First American Home Warranty: Reviews, Plans, Pricing, & Ratings (2020)

First American Home Warranty (FAWH) has been a leader in the home warranty industry for over 35 years, serving more than 590,000 customers. What distinguishes them from other home warranty companies is that they offer First Class Upgrade optional coverage, which covers systems and appliances even if they were improperly installed, modified, or maintained. Here is House Method’s 2020 First American Home Warranty review. We compare the company’s plans and pricing, do a deep dive into the company, show how it stacks up against its competition, and provide reviews from current customers.

Best HVAC coverage

  • Provides coverage of improperly installed or maintained appliances and systems
  • Offers flexible payment options for customers
  • Recommended by realtors
  • Has a risk-free, 30-day, money-back guarantee
Pros Cons
Established company with a BBB accreditation Doesn’t let customers choose their own contractor
Doesn’t have a coverage cap on heating, cooling, or ductwork According to some customer reviews, the technical jargon in contracts is confusing
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair

First American Home Warranty plans, coverage, and cost

FAHW offers two plans—a Basic Plan and a Premier Plan—at an average cost of $28–$43 per month. The exact price of your home warranty plan will depend on your location and the type of coverage you choose. They also offer optional coverage for items like your pool, well pump, and central air conditioning, for an additional cost.

Basic Plan: $28.00 per month ($336.00 per year). This plan covers essential home appliances.

  • Clothes washer
  • Clothes dryer
  • Refrigerator
  • Dishwasher
  • Oven range
  • Cooktop
  • Microwave
  • Garbage disposal
  • Trash compactor

Premier Plan: $42.50 per month ($510.00 per year). Under this plan, all major home systems and all items in the Basic Plan are covered.

  • Clothes washer
  • Clothes 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

Optional coverage: FAHW offers optional coverage for five home items. To get pricing for these items, call or request a free quote online.

  • Central air conditioning (electric)—Unfortunately, air conditioning is not covered in either FAHW plan, so you’ll have to add this on if you want coverage.
  • Additional refrigeration—If you have a second refrigerator, a wet bar refrigerator, or a wine refrigerator, you can add this coverage to your current plan.
  • Pool/Spa equipment—The cost to repair or replace pool and spa equipment can range between $600–$2,100. With additional pool coverage, you’ll have protection for your filters, pumps, timers, valves, heating units, pump motors, and more.
  • Well pump—All parts of a well pump used for domestic use are covered. Note: FAHW offers customers up to $1,500 for well pump coverage.
  • First Class Upgrade—If you choose to opt into this upgrade, you’ll receive coverage for the following items:
    • Fees associated with the use of lifting equipment (i.e. cranes) that are required to service rooftop HVAC
    • Up to $250 per local building permits if needed prior to replacing appliances, home systems, or components
    • Refrigerant recapture, reclaim, and disposal
    • Haul away services (this is when the company pays costs related to the removal of an appliance, system, or component)
    • Appliances and systems that have been insufficiently installed or modified

Note: You also have the option of including pest control services for termites.

With this type of coverage, we recommend FAHW to home buyers whose appliances or systems were included in their real estate transaction since the previous owners may not have installed or maintained an appliance correctly. Additionally, they may have modified these systems and appliances in a way that you’re unaware of—if so, FAHW will still provide coverage of your items.

*Note: FAHW charges a $75 service call fee, which is in line with the industry average. You’ll have to pay this fee anytime a contractor comes to your house to diagnose an issue on a covered item.

Price of First American Home Warranty vs. competitors

This graph represents the monthly premium customers would pay under First American's most basic plan against what they would pay for competitor plans. Note: these prices do not include the service fee amount.

Details for top systems and appliances

Our team at House Method wanted to understand which major appliances and systems were most important to homeowners. To get this data, we surveyed 1,000 homeowners and asked them which systems and appliances they valued most. From our results, we gathered that the top three systems that are most important to homeowners are the electrical, plumbing, and air conditioning. The top three appliances that hold the most importance are the refrigerator, washer/dryer, and oven/stove/range.

Here’s a closer look at First American Home Warranty’s coverage:

  • Refrigerator: All parts and components that fail due to normal wear and tear will be covered under your home warranty. Here are some parts that are not included with refrigerator coverage: insulation, racks, shelves, drawers, handles, lights, ice crushers, and beverage dispensers.
  • Oven/stove/range: The only parts of these appliances that aren’t covered include the rotisseries, lights, knobs, dials, racks, door glass, interior lining, magnetic induction cooktops, meat probe assemblies, and clocks. If you want protection for the rotisseries, racks, knobs, dials, and interior lining, you can purchase additional coverage by adding the First Class Upgrade for $9/month.
  • Clothes washer and dryer: All parts of your washer and dryer are covered except any plastic mini-tubs, soap dispensers, filter and lint screens, knobs and dials, and venting.
  • Electrical: Did you know that an electrical system replacement can cost almost $2,000? With FAHW electrical coverage, you can have peace of mind and know that the following electrical parts and components are covered: plugs, wiring, conduit, junction boxes, telephone wiring, switches and fuses, panels, sub panels, and circuit breakers. Door bells, smoke alarms, and intercoms are not included.
  • Plumbing: This is included in FAHW’s Basic and Premier Plans. You’ll get coverage for pressure regulators; circulating hot water pumps; whirlpool bath motors, pumps, and air switch assemblies; permanently installed sump pumps; valves; and much more.
  • Air conditioning: FAHW is one of the only home warranty companies that doesn’t provide basic coverage for air conditioning in their plans. Even though it’s available for consumers to add on as optional coverage, we don’t think this is exceptional, seeing as how most homeowners use air conditioning on a daily basis and should have access to this coverage without paying an additional fee.
Ready to sign up for First American?

Coverage length

Home warranty coverage starts 30 days after you sign your contract and lasts for a standard 12 months with the option to renew at the end of the year (unless you’re a seller who has enrolled in basic coverage for your home while it’s listed). Sellers’ listing coverage lasts 180 days or until the close of sale or listing cancellation, whichever comes first.

As far as cancellation goes, the policy differs from state to state. The company’s customer service team encourages you to request a quote, apply for coverage, and then thoroughly read your service agreement before signing.

Coverage limits

Coverage limits to the Basic Plan include home systems and appliances that are malfunctioning due to improper maintenance or installation. To get coverage for these items, you’ll have to choose the First Class Upgrade. Unlike other home warranties, First American will cover malfunctioning items due to an unknown defect.

The sample contract reads, “[First American] will repair or replace a system or appliance (excluding roofs and ductwork) that was improperly installed, modified or repaired, or was not properly matched in size or efficiency at any time prior to or during the term of this contract.”

See if your state is covered by First American Home Warranty

AlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyomingDistrict of Columbia
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First American Home Warranty is not available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Dakota, Rhode Island, Vermont, or Wisconsin.

Our take

First American Home Warranty is definitely one of the more experienced home warranty providers in the industry, having been in business for over 35 years. Though it’s not as old as American Home Shield, FAHW still has years of experience over companies like Select Home Warranty and The Home Service Club.

Regarding coverage, they do have comprehensive coverage, however, it doesn’t include basic coverage for air conditioning. If you want AC coverage, you’ll have to tack on optional coverage at an additional cost. Another drawback is that they only cover 35 U.S. states, meaning 30% of the U.S. isn’t covered. While this may not sound like a lot, the top home warranty companies cover anywhere between 40–50 states.

Finally, FAHW doesn’t have the best reputation regarding customer service. The company itself claims to be responsive, but after reading reviews from current customers who have filed a claim, it appears that the company is so-so at responding to service requests and providing quick and efficient coverage for necessary repairs and replacements. While the company provides great HVAC coverage, we believe there are other home warranty companies out there that give you better coverage at a more affordable cost.

First American Home Warranty ratings

Plan options

3.8 / 5

Breadth of coverage

2.1 / 5

State availability

1.8 / 5

Cost

4.5 / 5

Trustworthiness

4.8 / 5

Customer service

4.0 / 5

Unique benefits

1.0 / 5

What others are saying

As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by customers. That’s where we come in. At House Method, we go through user complaints, feedback, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.

Below, we’ve included First American Home Warranty ratings compared to the industry average.

Summary of Customer Feedback

Reviewer First American Ratings Industry Average Ratings
Average # of Reviews Average Score Average # of Reviews Average Score
Yelp 770
1.0 375
1.2
BBB 1376
2.8 956
2.0
TrustPilot 3632
4.0 937
1.9

First American Home Warranty reviews

Although many FAHW reviews on the Better Business Bureau (BBB) site are negative, it’s important to remember these complaints have been accruing for 35 years. The BBB even raised First American’s score to a B+ because the home warranty company made a significant effort to address and resolve customer complaints over the years.

Here are a few FAHW reviews submitted to the BBB from customers:

Joyce P. on December 18, 2019, said:

I have a mixed review of this company. I purchased the warranty for two different properties. The service on our KCMO property has been great. However, when I went to use the warranty for our Colorado home, I have been given nothing but the run around. It’s been 3 weeks and I’m still waiting for a reply from the contractor they sent to look at my HVAC system. I guess it depends on what you’re asking for and the location of the property.

Janice K. on November 25, 2019, said:

My AC broke down in the middle of June. I was faced with the prospect of having to endure an entire summer without cooling. Then I suddenly remembered that I had a contract with First American Home Warranty. I called them and within a few hours, they were already at my place.

Brad H. on December 6, 2019, said:

First American has saved me from costly repairs on several occasions. Well worth the money, especially if you have appliances that you know are going to break down sooner or later.

Annette R. on November 2, 2019, said:

I am starting to lose faith in my dishwasher getting repaired. The tech came out and told me the part has been discontinued. The warranty company said they found the part. My dishwasher still isn’t fixed and I have sent them 4 messages with no reply.

Frequently asked questions about First American Home Warranty

Is First American Home Warranty any good?

While the company doesn’t provide as extensive coverage as American Home Shield, it does provide coverage for items that are improperly installed, modified, or maintained, which is something that most other companies don’t offer. Additionally, their plans are relatively inexpensive compared to companies like Choice Home Warranty or Select. Read our Choice Home Warranty review and our review on Select Home Warranty

How much does First American Home Warranty cost?

First American Home Warranty costs between $28 and $43 a month. The actual price of your home warranty will vary depending on your location and the level of home warranty coverage customers choose.

There’s also a $75 service fee which is paid to the pre-approved contractor upon appointment for service.

What does First American cover?

First American covers major systems and appliances that break from normal wear and tear. This includes home systems, like heating and plumbing, and home appliances, such as dishwashers and water heaters.

Read more: Home Appliance Insurance

The company has a multitude of other home protection plans in addition to home warranties, including First American renters insurance, auto insurance, and landlord insurance. You might also consider First American Property and Casualty Insurance Group, which covers condominiums, or First American’s personal umbrella policy, which keeps you covered when you have reached the underlying liability limits on your auto or homeowner insurance.

Does First American cover plumbing?

Plumbing problems are covered by all First American home warranty plans. Plumbing insurance under this home warranty company includes:

  • Pressure regulators
  • Circulating hot water pump
  • Bathtub motor, pump, and air switch assemblies
  • Permanently installed sump pumps (groundwater only)
  • Valves—shower, tub, diverter, riser, angle stop, and gate valves
  • Leaks and breaks of water, drain, gas, vent, or sewer lines (except caused by freezing)
  • Toilet tanks, bowls, and mechanisms (replaced with white builder’s standard as necessary)
  • Clearing of stoppages in sinks, tubs, shower drai

Does First American cover mold?

No, First American Home Warranty does not cover mold, nor does it cover damage due to bacteria, yeasts, mildew, viruses, fungi, mycotoxins, or other metabolic products.

Can I cancel my First American Home Warranty policy?

Yes. If you want to cancel your plan, call First American at 800.992.3400 or send your cancellation request to cancellationsupport@firstam.com.

Final thoughts

House Method gives First American Home Warranty 3.3 out of 5 stars. It’s been in the business long enough to know what customers want and need, and the company’s customer service has made evident strides to show it cares. From our review of the company, we deem them the best for HVAC coverage. 

FAHW is a good choice for you if…

  • you own an older home.
  • you’re unsure whether your systems and appliances have been properly installed or modified.
  • you’re a real estate professional who’s interested in free marketing materials.

FAHW might not be your first choice if…

  • you have brand new appliances that are already protected under a manufacturer’s warranty.

Compare First American to the competition

Best for
Plan options
Cost per month
Pros
Cons

Best for

HVAC coverage

Plan options

2 + add-ons

Cost per month

$28–$43

Pros

Covers improperly installed/maintained items

Cons

Sample contracts are difficult to find online

Best for

Customizable plans

Plan options

4 + add-ons

Cost per month

$50–$60

Pros

Up to $3,000 limit on appliances

Cons

Higher service fees and longer wait times than average

Best for

Workmanship guarantee

Plan options

4 + add-ons

Cost per month

$37–$40

Pros

Choose your own service provider

Cons

Customers are charged $60 per call even if the repair cost is less than the service fee

Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.

Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.

For more details, check out our affiliate disclosure and rating methodology.

Company information

  • Company name: First American Home Warranty Corp
  • Company type: Public
  • Ticker symbol: FAF
  • CEO: Kristin Swan, Principal
  • Founding date: 2/8/1984
  • Years in business: 35 years
  • Telephone: 833-204-7164
  • Address: P.O. Box 7248
  • State/province: Santa Rosa, CA
  • Postal code: 95407
  • State availability: 35 states
  • Service fee: $75
  • BBB rating: B+
  • Number of BBB complaints closed within last 3 years: 3,140

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