- Allows customers to customize coverage with the Build-Your-Own Plan
- Lets customers choose a service fee of $75, $100, or $125
- Provides generous coverage caps on systems and appliances
American Home Shield and First American are two of the most well-known home warranty companies in the industry. When assessing companies in the home warranty industry, a home warranty should always include the option for full coverage, multiple home warranty plan tiers to choose from, and clear contracts.
This article breaks down American Home Shield vs. First American and the differences between coverage, cost, how each company’s claim process works, and policy differences. Keep reading to find the best home warranty for you.
4 plans - Build-Your-Own Plan Systems Plan, Appliances Plan, Combo Plan + optional add-ons
$75, $100, $125
60 days
All states except Alaska
24/7
More than 45 years
B
2 plans - Basic Plan, Review Plan + optional add-ons
$75
0 days
36 states and D.C.
24/7
35
B+
American Home Shield and First American Home Warranty both offer comprehensive plans that can accommodate the repair and replacement needs for a wide range of home appliances and services.
American Home Shield
American Home Shield offers four plans that protect major home systems and appliances:
Additional coverage is available for items like a pool, spa, septic pumping, well pump, and guest unit under 750 square feet.
First American Home Warranty
A leading home warranty company, First American Home Warranty offers two different plans that vary slightly for buyers and sellers:
The First Class Upgrade is also available for purchase to cover appliances and systems that have been incorrectly installed or maintained.
When comparing the cost of American Home Shield and First American Home Warranty, both companies offer similar services, however First American Home Warranty’s service fees are slightly more affordable.
American Home Shield
American Home Shield plans range between $50–$60 per month:
Systems Plan | Appliances Plan | Combo Plan | Build-Your-Own Plan |
$49.99 | $49.99 | $59.99 | $54.99 |
The service fee varies based on the coverage plan selected. There are three service fee rates: $75, $100, and $125. A higher service call fee will result in a lower monthly premium and vice versa.
First American Home Warranty
First American’s Basic Plan costs $28.00 per month, while the Premier Plan costs $42.50 per month. These prices may vary based on state and specific contracts. First American charges a $75.00 service call fee.
The process to submit a claim to American Home Shield and First American Home Warranty is similar. Both companies have convenient customer service access, both online and via toll-free phone numbers, and quick technician turnaround times.
American Home Shield
Contract holders can request service online 24 hours a day, seven days a week. Once a claim is approved, a technician is assigned to diagnose the problem and offer a solution. The technician typically reaches the customer within 24 hours from the time the claim is made.
Customers can reach the claims department by:
First American Home Warranty
First American has a 24-hour claims center available for customers. Customers can reach the claims department by:
American Home Shield and First American Home Warranty each have minor limitations and exclusions in their service contracts. Before signing up for a plan, thoroughly read through the terms and conditions to understand exactly what is and isn’t covered.
American Home Shield
There are sample contracts available on the American Home Shield FAQ page that outline the parts and components of major home systems and appliances that are covered under a contract. Remember: even though a system or appliance is covered doesn’t always mean your claim will be accepted.
American Home Shield doesn’t have a limit to the number of service requests a contract holder can make, but they will not be able to help with the claim if the service isn’t covered under the contract holder’s plan.
First American Home Warranty
First American Home Warranty’s contract is also specific to individual contract holders, however there are some basic general terms and limitations. Basic plan coverage limits include home systems and appliances that are not working because of improper maintenance or installation. Repair for this type of issue requires upgrading to First American’s First Class Upgrade, which offers coverage for appliances or systems that were installed or maintained incorrectly.
Both companies have their advantages and disadvantages, with First American Home Warranty offering the basic coverage with low deductibles and American Home Shield offering comprehensive and customizable plans and service call fee flexibility.
American Home Shield may be a good option if…
First American Home Warranty may be a good option if…
Our team recommends American Home Shield for its comprehensive coverage, customizable plans, flexible service fees, and excellent customer service.
7 Best Home Warranty Companies of 2021
Looking for the best home warranty? Our team at House Method reviewed the top home warranty companies in the industry so you can choose the right plan for your home.
First American Home Warranty Reviews
Over the past 35 years, First American Home Warranty reviews have been positive thanks to its lack of coverage limits, quality customer service, and large network.
American Home Shield vs. Choice Home Warranty
American Home Shield and Choice Home Warranty are two of the most well-known and consumer friendly home warranty companies. Read our comparison to find out what differentiates them.
By continuing to browse or by clicking “OK” you agree to the storing of first- and third-party cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. Privacy Policy.
OK