First American Home Warranty: 2024 Expert Review

LAST UPDATED: December 18th, 2024

First American Home Warranty has been a leader in the home warranty industry for over 35 years, providing reliable and comprehensive coverage to homeowners across the country. In 2021 alone, the company handled millions of claims and saved homeowners over $219 million in covered repairs and replacements. First American offers a large network of prescreened technicians, ensuring customers don't have to find their own contractors. With competitive pricing and flexible payment options, First American Home Warranty is a solid choice for many homeowners seeking protection for their home systems and appliances.

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Pros

35+ Years of Industry Experience

First American Home Warranty has been in business since 1984, serving homeowners in 35 states. With more than three decades of experience, the company has built a reputation for stability and reliability, offering homeowners peace of mind through their extensive network of technicians and repair specialists.

Comprehensive Plan Options

First American offers two primary plans: The Basic Plan and The Premier Plan, each covering a wide range of essential home systems and appliances. These plans allow homeowners to choose coverage based on their needs and budget. Optional add-ons, such as air conditioning, pool/spa coverage, and well pumps, are also available for additional fees.

No Age Limits on Covered Items

One of First American’s standout features is that it does not impose age limits on covered systems and appliances. This means even older equipment is eligible for coverage, as long as it is in working condition at the start of the contract.

24/7 Claims Service

First American offers 24/7 claims service via phone or their online portal, making it convenient for homeowners to file claims at any time. The company uses a nationwide network of prescreened technicians who go through a probation period to ensure quality service, based on customer feedback.

High Coverage Limits

Unlike many competitors, most items covered by First American Home Warranty do not have specific dollar limits for repairs or replacements. This high coverage can be an attractive feature for homeowners who want robust protection for their systems and appliances.

Online Homeowner Center

First American’s online homeowner center allows customers to easily manage their accounts. From this portal, homeowners can file and track claims, renew their warranties, and view contract details—all in one place.

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Cons

Limited Service Availability

While First American Home Warranty provides coverage in 35 states, homeowners outside of these areas will be unable to benefit from the company’s services.

First American Home Warranty is not available in the following states:

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 does not include air conditioning in its Basic or Premier plans. Homeowners who want air conditioning coverage must add it for an extra monthly fee. This exclusion may be a drawback for those seeking comprehensive coverage that includes A/C, though it does contribute to keeping the overall cost of the warranty lower.

Customer Service Complaints

Some customer reviews mention slow service response times, hidden fees, and issues with customer support. These negative experiences suggest that some customers have faced delays and communication problems when trying to file claims or resolve repair issues.

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First American Home Warranty Plans

First American offers two main plans - the Basic Plan and the Premier Plan - that cover a wide range of systems and appliances. Optional add-ons are available for more comprehensive protection.

Covered Items	Basic Plan ($28/month or $336/year)	Premier Plan ($42.50/month or $510/year)
Washer/dryer	✔	✔
Refrigerator	✔	✔
Dishwasher	✔	✔
Oven/range	✔	✔
Cooktop	✔	✔
Microwave	✔	✔
Garbage disposal	✔	✔
Trash compactor	✔	✔
Plumbing system		✔
Plumbing stoppages		✔
Heating system		✔
Water heater		✔
Electrical system		✔
Garage door opener		✔
Ductwork		✔
Central vacuum system		✔

Both plans offer comprehensive coverage for common household systems and appliances, while the Premier Plan adds coverage for critical systems like plumbing, heating, and electrical systems.

Optional Coverage

For an additional fee, First American allows customers to add optional coverage for specific items:

Central air conditioning (electric) – $9 per month
Additional refrigeration – $4 per month
Pool/spa equipment – $15 per month
Well pump – $7 per month
First class upgrade – $9 per month

This flexibility allows homeowners to customize their protection based on the unique needs of their home.

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First American Home Warranty Pricing

First American Home Warranty is competitively priced, starting at $28 per month for the Basic Plan and $42.50 per month for the Premier Plan. The service call fee typically starts at $75 but may vary by location. Optional add-ons come at an additional monthly cost, depending on the coverage selected.

Customers can choose monthly payments or opt to pay for a full year upfront. First American also offers a 30-day review period for new contracts, allowing homeowners to evaluate their plan and make adjustments as needed.

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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.

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The Bottom Line

With 35+ years of experience and a large network of service providers (each contractor is reviewed and put through a probation period to ensure customer satisfaction), First American Home Warranty has comprehensive protection with high coverage limits for major appliances and systems. With a competitive cost and service call fee and multiple plan options, First American Home Warranty gives you more value for your money and covers customers with flexible payment options for various budgets.

The company offers a Basic Plan for customers that are looking for more standard coverage, as well as a Premier Plan for homeowners wanting more robust coverage. Additional add-on items are also available for coverage so consumers can pick and choose other major systems and appliances they want covered. Note that First American Home Warranty only covers the wear and tear of major appliances and systems. Like most home warranty companies, First American does not cover pre-existing conditions.

When compared to other home warranty companies, First American Home Warranty has a competitive monthly cost and service fee. Some warranty providers charge upwards of $600 per year with a $100 service fee.

First American Home Warranty created its home warranty programs with not just homeowners in mind but network service providers and real estate professionals as well. Typically, for whichever home warranty plan you select, the service contract will last for one year.

If you want to learn about what customers think of the company, such as response time, customer service, and quality of repair, check out First American Home Warranty reviews below.

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