First American Home Warranty Review - Is It Worth It?

If you're looking for a home warranty, read our comprehensive review on First American Home Warranty to learn about the company's coverage, costs, and plans.
By Home Service Research Team
November 30, 2020
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Home warranty plans provide peace of mind coverage for home systems and appliances for those involved in a real estate transaction or who currently own their homes. Generally, a policy is purchased in 12-month intervals. It ensures that once your equipment begins showing signs of wear and tear, a contractor will address the issue. The financial responsibility to repair or replace a system or appliance is limited to a service call fee if the problem is covered under warranty. 

Our team of researchers will educate you about the advantages of a home warranty and how a typical policy works. We aim to provide you with the knowledge you require to make an informed decision when finding a plan that works for you.

Let's take a closer look at the provider First American Home Warranty. It is a group with a solid reputation and numerous years of experience in the home warranty industry. We will show you the details of its basic plan vs. more comprehensive packages, coverage limits, and pricing tiers. Our team will also disclose what is included in the warranty against issues that are excluded.  

To get a free quote from First American Home Warranty, call 833-777-0049 or fill out this simple form online.

Most Comprehensive Claim Coverage
First American Home Warranty

After learning about First American Home Warranty, we will reveal why we chose American Home Shield as the Best Overall provider. Its commitment to customer service, a large network of service experts, and transparency regarding its terms and conditions make it our choice for the most well-rounded home warranty company in operation.  

Pros and Cons of First American Home Warranty

Pros:
✓ Package pricing is affordable when compared to other industry leaders
✓ Online claims processing line is available 24/7 

Cons:
☓ Only available in 35 states–exclusions include AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI.
☓ A central air conditioner is not included in either bundled package and must be purchased through an optional add-on.

Background on First American Home Warranty

Established in 1984, First American Home Warranty has a long-standing reputation within the home warranty industry. Its parent company, First American Family, was built more than 125 years ago and excels in fields like trust services, title insurance, and real estate solutions. 

First American Home Warranty has earned a B+ rating from the Better Business Bureau. After receiving over 1,400 reviews from actual customers, the group has a three out of a five-star rating with the BBB.

Policyholders receive benefits like 24-hour accessibility to file a service request, unlimited service calls, and flexible payment options. 

First American Home Warranty Plans

The home warranty company only offers two packages to choose between — a basic plan and a premier bundle. Check out how the plans differ and if more comprehensive coverage makes sense to your budget and the current condition of your home systems and appliances

While pre-existing conditions are excluded from coverage, First American Home Warranty does not limit the age of a system or appliance it protects. Before acquiring a contract, it's a good practice to document maintenance and service records to ensure they are in safe and efficient working order. 

Most Comprehensive Claim Coverage
First American Home Warranty

First American Home Warranty Coverage

While home warranty companies offer financial peace of mind and a way to protect your budget from unforeseen expenses, their terms and conditions are limited. For instance, exclusions and coverage caps are in place to prevent unapproved issues with home systems and appliances under the warranty. 

Under a First American Home Warranty, the components required for equipment to function correctly are included. For a heating system, repairs or replacements are limited to $1,500 per contract and covers expensive items like the heat pump and heating elements. Coverage for a garage door includes switches, motors, the center rail assembly, and adjustments. 

Optional Add-Ons

To further customize your warranty, First American Home Warranty offers optional add-ons for an additional fee. 

First American’s optional add-ons include the following items:

  • Central air conditioning system
  • Secondary refrigeration
  • Pool and spa equipment
  • Well pump
  • First-class upgrade

When adding the First Class Upgrade, policyholders gain protection for factors like cosmetic damage to a home system or appliance. It is also a valuable coverage to offer financial assistance for circumstances that are common during replacing irreparable equipment, like:

  • Covers the expenses from using cranes during installation. 
  • Pays up to $250 where local building permits are required for replacing appliances. 
  • It pays for the expenses related to the removal or hauling away of an appliance. 

What's Not Covered by First American?

Excluded parts from common systems and appliances include: 

  • Water heater exclusions: Holding or storage tanks, flues, vents, and fuel storage tanks. 
  • Heating systems: Space heaters, chimneys, filters, and grills. 
  • Kitchen appliances: Rotisseries, knobs, dials, lock assemblies, and door glass. 
  • Electrical systems: Low voltage systems, power surges, timed circuits, and door bells. 

Cost of First American Home Warranty

One of your first questions when choosing a home warranty company is how much the service contract will cost. So you can get an idea about the fees from First American Home Warranty, our team analyzed a sample contract for policyholders residing in Texas. 

First American Home Warranty Plan Costs

When researching contract costs from First American Home Warranty, our team discovered the average price differences between the offered packages and what you can expect when including add-ons.

  • Basic Plan: $25/month
  • Premier Plan: $39.50/month

Additional add-on prices include the following:

  • Pool/spa: $15/month
  • Central air conditioner: $9/month
  • Additional refrigeration: $4/month
  • Well pump: $7/month
  • First-class upgrade: $9/month

After agreeing to a contract, a First American Home Warranty sample contract reveals policyholders have 60 days to add optional coverage. 

When compared to the average cost of a contract, First American Home Warranty is competitive. Typically, the expenses begin at $20 per month for basic coverage and $50 for more comprehensive protection that can cover over $20,000 worth of home systems and appliances. 

Most Comprehensive Claim Coverage
First American Home Warranty

First American Home Warranty Service Fees

A service call fee is standard upon most home warranty companies. The expense is paid for by a policyholder and is due when a technician arrives to address an issue. We found that the average cost for a service request is between $75–$125. Fees from First American Home Warranty are inline with others in the industry. Depending on your location and plan, a service request will usually cost between $75–$100.

First American Home Warranty Quote Process

Our team received a mock quote in Santa Rosa, CA, to find out how easy or difficult the process is. We discovered that after entering an eligible address into the quote form, we were directed to learn more by choosing between the basic plan and premier package. Within minutes, an agent reached out to the phone number and email address we supplied. 

Another way to get a free quote is by calling 833-777-0049.

First American Home Warranty Claim Process

When claiming a problematic system or appliance, policyholders of a First American Home Warranty service contract have a few options. The most convenient way to make a claim is to log into an Account Center, and explain the issues you are experiencing. Or, you can call 800-992-3400 to speak with an agent and request service. 

Typically, a technician will contact a homeowner within 48 hours to set up a mutually convenient appointment. Once on the property, the expert will diagnose the problem and determine if a repair or replacement is necessary. 

First American Home Warranty Claim Process

Before buying a home warranty contract from a company, you can get to know its operation by researching online reviews left by current customers. Our team has scoured review sites to disclose highlights from policyholders and comments that we found concerning. 

On the site, TrustPilot, First American Home Warranty has been given a four-star rating after over 3,700 reviews. A one-star comment from a customer claims, “They have one plumber that has three employees for my entire location...there is a huge language barrier...no matter how many times I call, they do not understand or care about the severity of my issue.”  When discussing terms with the company during the quote process, it’s imperative to find out if they have a large network of technicians or if contractors are limited in your area. 

Amongst other reviews, we found that 62% of ratings given to American Home Warranty were five stars while only 16% were rated as one star.  

When researching the company's BBB page, we found a three-star rating after over 1,400 reviews. One of the most recent comments were left by a customer who has held a contract since 2002. They said, “We have nothing but good things to say about how they stand behind their product offerings. FAHWC has always treated us with respect and have gone the extra mile to ensure our satisfaction, even on a few big ticket items.”

Our Verdict On First American Home Warranty

After reviewing the available plans, prices, and sample contracts from First American Home Warranty, we found both advantages and disadvantages regarding the company. 

For one, it's an affordable option for many homeowners. Ultimately, we recommend getting at least 2 quotes from different companies in order to weigh your options and pricing. Call 833-777-0049 or fill out this form online to get a quote from First American.

Most Comprehensive Claim Coverage
First American Home Warranty

Other Recommended Provider: American Home Shield

American Home Shield is an industry leader that has been in operation for over 45 years. Its commitment to customer service and comprehensive packages help make it our recommended provider for those seeking home warranty coverage. 

To get a free quote from American Home Shield, call 844-529-9298 or fill out this online form.

Top Highlights of American Home Shield: 

  • State Availability: The company offers a warranty in 49 states—excluding Alaska—which means it is active in 14 more states than First American Home Warranty. It is accredited by the BBB and boasts a B rating partly due to how it communicates with its customers. 
  • Comprehensive Packages: The group offers three packages for policyholders to choose between to protect their systems, appliances, or both. We found that the costs for the individual plans average about $49.99 per month. The service call fee can also be negotiated during the buying process. American Home Shield allows policy buyers to choose from payments of $75, $100, and $125. The higher costs can result in lower contract premium costs. 
  • More Efficient Coverage for Plumbing Access: Some plumbing repairs may require excessive measures to access leaking pipes that are hidden under concrete. Under an American Home Shield warranty plan, the renovation is covered up to $1,000. Compare this coverage cap to the one offered from First American Home Warranty, of only $500.

Learn More About First American Home Warranty

If you're interested in learning more about First American Home Warranty, the company can be contacted by calling 833-777-0049.Or, you can begin the process of purchasing a contract by filling out this online form and selecting the type of coverage you require.