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
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.
Continue reading for House Method’s 2020 review of First American Home Warranty. We compare the company’s plans and pricing, do a deep dive into the company and how it stacks up against its competition, and discuss First American Home Warranty reviews from current customers.
|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 First American contracts is confusing|
|24/7 service calls available|
|Offers replacement of some covered items that are too damaged to repair|
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. First American also offers 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 FAHS plan covers essential home appliances.
Premier Plan: $42.50 per month ($510.00 per year). Under this First American plan, all major home systems and all items in the Basic Plan are covered.
Optional coverage: First American offers optional coverage for five home items. To get pricing for these items, call First American today or request a free quote online.
Note: You also have the option of including pest control services for termites under a First American contract.
With this type of coverage, we recommend First American 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. In the event that this happens, First American will still provide coverage of your items.
*Note: First American 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.
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 how those findings translate under First American Home Warranty coverage:
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.
The only parts of these appliances that aren’t covered under a First American home warranty 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.
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.
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.
First American 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.
First American’s 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 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.”
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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.
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, First American still has years of experience over other companies like Select Home Warranty and The Home Service Club.
Regarding coverage, FAHW does have comprehensive coverage, however, it doesn’t include basic coverage for air conditioning—which is one of the most valued systems by homeowners. If you want AC coverage, you’ll have to tack on optional coverage at an additional cost.
Another drawback to signing with First American is that they only cover 35 U.S. states. In other words, 30% of the U.S. isn’t covered by First American. While this may not sound like a lot, our 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.
3.8 / 5
Breadth of coverage
2.1 / 5
1.8 / 5
4.5 / 5
4.8 / 5
4.0 / 5
1.0 / 5
As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by First American Home Warranty customers. That’s where we come in. At House Method, we go through user complaints, reviews, 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.
|Reviewer||First American Ratings||Industry Average Ratings|
|Average # of Reviews||Average Score||Average # of Reviews||Average Score|
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 BBB reviews from FAHW 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.
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.
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.
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.
Plumbing problems are covered by all First American home warranty plans. Plumbing insurance under this home warranty company includes:
Yes. If you want to cancel your plan, call First American at 800.992.3400 or send your cancellation request to firstname.lastname@example.org.
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.
First American Home Warranty is a good choice for you if…
First American Home Warranty might not be your first choice if…
2 + add-ons
Covers improperly installed/maintained items
Sample contracts are difficult to find online
4 + add-ons
Up to $3,000 limit on appliances
Higher service fees and longer wait times than average
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.
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