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First American Home Warranties Review


ConsumersAdvocate.org Rating: 4 / 5 (Very good)
588 Customer Comments & Reviews - see all comments
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First American Home Warranty is a California-based company founded in 1984 for the purpose of providing home warranty products and services in the United States.

They provide coverage for home systems and appliance repairs for homeowners, sellers, buyers. The company is BBB-accredited, with a B+ rating, and a four-star TrustPilot score.

How Do We Rate First American?

Breakdown

3.5/5
Transparency
4.5/5
Claims Processing
4.5/5
Coverage Options
4.0/5
Additional Benefits
3.5/5
Customer Experience

Our Overall Rating: 4 / 5 (Very good)

With more than 30 years of experience, First American has proven itself a leader in the home warranty industry.

The company serves over 450,000 customers across the nation, offering year-round repair and replacement services, even on holidays.
Some of the most attractive features of First American home warranty plans are their comprehensive coverages, standard prices, and lower-than-average service call fees.
First American is an excellent option for anyone looking to protect their homes at a reasonable price and receive quality service 365 days a year.

Coverage

Key Facts

Plan Types
Appliances
Combo Plan
Benefit Limit Type
Per Item
Unlimited

Coverage Options - 4.5 / 5

First American offers two plans, the Basic coverage, and Premier coverage.

While their basic coverage protects mainly kitchen appliances, their Premier plan offers complete protection for all main home systems as well as appliances.

In line with most businesses in the industry, however, they will not cover cosmetic damages, damages due to improper maintenance or installation, and any known or unknown pre-existing conditions.

Coverage amounts differ by contract, yet their limits range around $3,000 in the aggregate for kitchen refrigerators, $1,500 for heating systems, and $500 for ductwork, which are substantially higher than comparable companies.

What does First American cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater

Covered Appliances

  • Refrigerators
  • Clothes Dryers
  • Clothes Washers

Exclusions

For a full list of First American exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump

Contract & Price

Contract Details

Annual Premium
Starting at $300
Minimum Contract Length
12 month(s)
Online Quote/Application

Contract & Price - 3.5 / 5

Annual premiums with First American can range from $300 to $500+ depending on the plan and option selections, quite reasonable within the home warranty industry.

The company extends a standard 12-month contract term and allows customers to obtain quotes and enroll online. Contracts seem to have different cancellation policies according to geographical location, so customers are advised to read their warranty agreements thoroughly before signing.

For instance, Texas residents may cancel their plans within the first seven days of coverage for a full refund, whereas Virginia residents have 20 days to cancel and receive back the entirety of their payment, provided they have not filed any claims under said contract.

Sample Contract

First American provides a sample contract for potential customers on its website: First American Sample Contract

Claims & Service

Claims

Service Fee
$75 - $100
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
0 days

Claims Processing - 4.5 / 5

First American has some of the most affordable service call fees in the industry, which range from $75 to $100, depending on the plan selected and state.

The company also offers a vast network of pre-screened contractors and technicians, as well as a 24/7 claims department.

Although their service offer is similar to that some competitors, it must be noted that First American contracts are short and easy to understand, which is another feature that potential clients will surely appreciate.

First American Reputation

Company Details

Year Founded
1984
NHSCA Membership
Number of Customers
450,000
Number of Employees
351
TrustPilot Rating
8.0 out of 5
BBB Rating
B+
BBB Positive Reviews
6
BBB Neutral Reviews
4
BBB Negative Reviews
277
Date Collected
2025-07-14

Reputation - 3.5 / 5

First American is a BBB-accredited business with a B+ rating and composite score of 2.82 out of 5 stars based on 321 customer reviews.

Although they have received a considerable amount of negative client feedback at the Better Business Bureau's website, the agency has granted them accreditation based on their commitment to making a good faith effort to resolve consumer complaints.

Additionally, the company is a member of the NHSCA and holds a noteworthy Trustpilot score of 8.0 (Great).

Contact & Additional Information

Homepage URL
Company Phone
(800) 992-3400
Mailing Address
P.O. Box 7248, Santa Rosa, CA, 95407
Year Founded
1984

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588 Customer Comments & Reviews

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J
John D
7/16/2016
We have used First American Home Warranty since we bought this house in 2004. It was included in the purchase the first year, then we continued to pay each year. Overall we e found it a good value. We've had one full a/c unit replaced and the evaporator coil on the other unit. We've had both water heaters replaced as well as two front load washers that could not be repaired and a dishwasher. We've also had minor plumbing and electrical problems repaired. The only claim we were denied was a lever on our built in oven that locks the door for the self cleaning oven to function. That was ok, we still can use the oven and manually clean it. However, it is important to understand that... Read More


Rachel B
7/13/2016
This company rarely answers the phone, places customers on hold for extensive amounts of time and then disconnects the call. They are not fast to aid any customer with any issues and take excessive time to address needs. Additionally the contractors they use are regularly rated as some of the worst in the industry. Their lack of customer support and service make their rating horrible!


P
Patricia S
7/12/2016
I had one of the worst experiences I have ever had working with this company. I had two rental properties that I used First American Home Warranty to cover for over 13 years. I had a problem with a leaky toilet in one of my units. My tenant reported the issue on January 22, 2016 at which time arrangements were made to have First American's approved contractor come out to evaluate the issue. It was determined at that time that the toilet needed to be replaced. There was no indication of any other damages that needed attention(Floor or Drywall damage). First American never followed up or set up a time and date to replace the toilet. After numerous phone calls(averaging 1 hour wait... Read More


R
Randy M
7/6/2016
Their service techs "up sell" services which they know are not covered in the warranty. Then they refuse to do the covered work until you pay the extra money to do the uncovered "up sell" work first. Classic "bait-n-switch" consumer fraud. TOTAL RIP-OFF. I paid the $65 service call before the tech would do anything. Once I paid the $65, he demanded I pay an additional $150 "cleaning fee" before he would do anything more. So basically I wasted $65 and then got blackmailed for another $150 cleaning fee before he would start diagnosing the ELECTRICAL problem. Their service tech also tried to tell me there was no Freon in my AC unit. THAT WAS A TOTAL LIE, and an attempt to sell me... Read More


J
Jessica L
7/5/2016
My husband filed a claim on 6/21/16 that our air conditioner has stopped working. It has been two weeks since the original claim was placed and I have not received even a timeline on when our air conditioner will be fixed. Temperatures have exceeded 90 degrees multiple days during these 2 weeks, which threatened the safety of my dog. On 6/22/16 the contractor came out for about 5 minutes and said he had to talk to First American Home Buyers Protection Corporation to see what they would like to do. The contractor reported to me that he filed the report on 6/23/16. A representative lied to my husband during phone conversations on 6/24/16 and 6/26/16 stating the report was not filed yet.... Read More


J
Jo U
7/5/2016
All the reviews are bad. Nothing is ever covered, first they say they don't cover routine maintenance,when the contractor tells them that's not the case the installation was done wrong, they don't cover that either. So what so they cover? Nothing!!!


P
Pamela R
6/28/2016
Upon first use, the contractor sent to us to repair a stove was a no-show 3 times! After insisting on a different contractor, appliance was repaired in a fairly timely manner. Second use was very aggravating. I had a contractor, sent via First American, check my heating system related to extremely high electric bill. Upon initial assessment, it was found that my air conditioning systems compressor needed replacement (was only 1 yr old). Upon receiving a bill for $180 for "line maintenance" (a normal part of installation), I requested information regarding their dispute process. I was told (after a chuckle) "a dispute system? We don't have a dispute system". I was dumb founded!... Read More


J
JoAnn S
6/27/2016
The worst!!! If you call to place a claim or get info plan to be on hold for at least 1 hour. There is nothing in there website for comments. Their contractors ask you to sign a release if liability before they even service you so if they break something they do not want to be held responsible. Not worth the aggravation.


J
John a
6/27/2016
We are Realtors and have had many different home warranties over the years for our personal homes. We also sell over 50 homes per year and buy home warranties for our clients. Our first claim with this company for our dishwasher has been a total disaster. 20 days into the claim we still have a broken dishwasher. The first repairman that First American sent out said the dishwasher was installed incorrectly collected his $60 service fee and left. Since then we confirmed with Bosch the manufacturer and the company that istalled the 18 month old dishwasher. The error code states it is a drain pump failure and we confirmed it is installed properly. We are still arguing with First American... Read More


C
Carlos
6/22/2016
Be very careful using this company. They play games and at the end you end up paying a lot of extras that they considered modifications. My story begins with a air conditioner unit coil going bad. I have the Plus plan, it "supposedly" cover labor and parts. The game the First American decided to play is since they have to cut the old coil out and install a new coil... they called it modification to the unit. At an addition cost of 150.00. If you ask any technicians that work with air conditioners how do you replace a coil, ALL of them tell you you will need to cut the old out and weld a new one in. So basically First American refuses to pay for the labor. I will put them in BBB with a bad... Read More



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