First American Home Warranty: 2025 Expert Review

LAST UPDATED: April 2nd, 2025

First American Home Warranty is a long-standing leader in the home warranty industry, offering reliable coverage for home systems and appliances. With over 35 years of experience and millions of claims processed, the company helps homeowners save on costly repairs and replacements. Backed by a nationwide network of prescreened technicians and flexible pricing options, First American is a solid choice for affordable home protection.

First American Home Warranty Plans

First American Home Warranty (FAHW) offers three primary plans:

Starter Plan:
Covers essential appliances like dishwashers, refrigerators, ovens, and critical systems, including plumbing (with stoppages), toilets, garbage disposals, electrical systems, and heating systems with ductwork.
Starting at approximately $42 per month.
Essential Plan:
Includes everything in the Starter Plan and adds coverage for clothes washers and dryers, trash compactors, water heaters, all fans (including exhaust), garage door openers, and air conditioning systems. It also increases coverage caps on certain items.
Starting at approximately $57 per month.
Premium Plan:
Provides the most extensive coverage, including all items in the Essential Plan, plus central vacuum systems, garage door components, various plumbing fixtures, additional HVAC components, and window units.
Starting at approximately $77 per month.

Optional add-ons are available for items like pool and spa equipment, septic systems, well pumps, water softeners, and additional refrigeration units.

thumb_up

Pros

35+ Years of Industry Experience

First American Home Warranty has been operating since 1984, currently serving homeowners in 35 states. Its long-standing presence and large network of contractors give customers peace of mind and access to quality service.

Comprehensive Plan Options

With three plan tiers, Starter, Essential, and Premium, plus optional add-ons, First American makes it easy to customize coverage based on your specific needs and budget.

No Age Limits on Covered Items

First American does not impose age limits on covered systems and appliances. As long as the equipment is functional when coverage begins, it’s eligible, even if it’s older.

24/7 Claims Service

You can file a claim anytime via First American’s 24/7 phone support or online homeowner portal, making the process more convenient.

High Coverage Limits

The company offers generous coverage caps, starting at $3,500 per appliance and increasing to $7,000 under the Premium Plan. Essential systems like HVAC, electrical, and plumbing often have unlimited coverage.

Flexible Service Fees

Customers can choose between service fees of $75, $100, or $125 per claim, giving them control over how much they pay upfront versus at the time of service.

Online Homeowner Center

The online portal allows customers to easily manage their accounts, file and track claims, review contracts, and renew warranties.

Ready to connect with First American Home Warranty?

Tell us about your project and receive a personalized estimate.

Visit Site

Ready to connect with First American Home Warranty?

Tell us about your project and receive a personalized estimate.

Visit Site

thumb_down

Cons

Limited Service Availability

First American Home Warranty operates in 35 states, meaning homeowners in the following states are not eligible for coverage:

Alaska
Connecticut
Delaware
Hawaii
Illinois
Louisiana
Maine
Massachusetts
Minnesota
New Hampshire
New York
North Dakota
Rhode Island
Vermont
Wisconsin

Additional Cost for Air Conditioning Coverage

Unlike some competitors, First American’s Starter Plan does not include air conditioning. To receive A/C coverage, homeowners must purchase the Essential or Premium Plan or add it as an optional upgrade.

Customer Service Complaints

Some customers have reported negative experiences, including delayed claim responses, unclear fees, and communication issues. These reviews suggest inconsistent customer service quality.

Short Repair Guarantee

Repairs completed through FAHW only come with a 30-day workmanship guarantee. If an issue recurs after this period, customers must pay another service fee to have the problem addressed.

rate_review

First American Home Warranty Reviews

First American Home Warranty has a mix of customer reviews, with some homeowners praising the company's coverage and affordability, while others express concerns about customer service and slow response times. While many customers appreciate the wide range of covered items and reasonable pricing, some have experienced delays in claim processing and hidden fees that were not clearly communicated upfront.

gavel

The Bottom Line

First American Home Warranty offers solid protection for homeowners looking to safeguard their appliances and home systems from everyday wear and tear. With flexible plan options, no age limits on covered items, and high coverage caps, FAHW provides value for the price. Their large contractor network and 24/7 claims service add extra convenience.

However, potential customers should be aware of some drawbacks, including limited service availability in certain states, additional costs for air conditioning coverage, and reports of customer service issues.

Compared to other home warranty companies, First American’s pricing is competitive, with lower annual costs and service fees than many competitors. Just keep in mind that, like all home warranties, coverage does not extend to pre-existing conditions or cosmetic damages — it’s designed to cover breakdowns due to normal wear and tear.

If you’re looking for flexible, affordable protection for your home systems and appliances, First American Home Warranty is worth considering.

Was this content helpful?

thumb_up Yes thumb_down No