First American Home Warranty

First American Home Warranty

First American Home Warranty
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$42 to $67
Monthly premium cost
29 states
Starts at $75
Service fee
Overall Rating3.9 out of 5
See all 8,165 reviews

About First American Home Warranty

First American Home Warranty is a home warranty company that’s been in business for over 35 years. Its plans protect homeowners' budgets from unforeseen expenses due to normal wear and tear of a home's major systems and appliances.

Pros & Cons


  • Roof coverage
  • HVAC tuneup


  • Not available in all states

Bottom Line

First American Home Warranty has been in the industry for more than three decades. Although plans include some exclusions, the company’s add-on coverage allows customers to tailor the warranty to fit their needs.

Featured Reviews

Redmond, OR

Outstanding customer service help. The people in the customer service department that I worked with were knowledgeable, friendly and worked to make sure my issue was resolved. The...

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Show Low, AZ

Established claim online and Within a couple days … a company we have used several times through the years, called me on the phone. We proceeded to set up an appointment, and than...

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First American Home Warranty coverage

First American Home Warranty covers essential appliances and systems through its three plans. Its Premium Plan offers the most comprehensive coverage, while the Essential Plan is the most popular.

Across its plans, First American Home Warranty offers coverage for the following items. Note that not every item is available on every plan:

  • Dishwasher
  • Ceiling fans
  • Garbage disposal
  • Instant hot water dispenser
  • Microwave (built-in only)
  • Trash compactor
  • Oven/range/cooktop
  • Water heater
  • Air conditioning and heating
  • Attic and exhaust fans
  • Central vacuum system
  • Electrical
  • Garage door opener
  • Plumbing system
  • Plumbing stoppages


In business for more than 35 years, First American Home Warranty offers comprehensive plans that protect homeowners’ budgets when critical home systems and appliances break down. When it comes to systems and appliances, there are no age limits. First American Home Warranty will cover a system or appliance provided it is in safe working order at the start of your contract, no matter how old it is.

  • Starter Plan: Covers essential kitchen appliances, plus some plumbing and electrical.
  • Essential Plan: Covers washer and dryer, A/C and water heaters.
  • Premium Plan: Includes everything covered by the Starter and Essential plans, plus more expansive coverage for home systems such as heating, electrical and plumbing.

First American Home Warranty cost

First American Home Warranty pricing ranges from $47 per month to $87 per month. Prices can vary based on your service call fee as well as home size and location, so it’s best to request a quote directly from the company to get a true picture of the cost to cover your house. You choose your service call fee of $75, $100 or $125, which you’ll pay each time First American sends a technician to your home.

Below are prices that were quoted for a home in Houston, Texas, with a $125 service fee.

Coverage planCost
Starter Plan $47 per month
Essential Plan $57 per month
Premium Plan $72 per month
Note: Costs are accurate as of the time of publishing for a home in Houston, Texas, with a $125 service fee.

First American Home Warranty exclusions

Coverage exclusions will be outlined in your contract and usually pertain to circumstances outside of normal wear and tear.

Item parts that are deemed nonessential to the core functioning of the appliance or system may also be excluded from coverage. For example, First American Home Warranty will cover your plumbing system but will not cover fixtures, faucets, filters or showerheads. You can find a full list of exclusions via First American's sample contract for Texas.

First American Home Warranty coverage limits

First American Home Warranty places dollar limits on certain items. This is the total amount it will pay to access, diagnose, repair and/or replace items covered in your contract. Coverage limits range from $500 to $2,500 per item, which is comparable to the industry average home.

ItemFirst American Home Warranty coverage limit
Concrete-encased plumbing and ductwork $500
Steam, heated water or glycol heating $1,500
Kitchen refrigerator $2,500
Additional refrigeration $500
Seller’s heating, central air conditioning and ductwork $1,500
Septic tank system $500

First American Home Warranty FAQ

Is First American Home Warranty legit?

First American Home Warranty provides coverage for all your essential home systems and household appliances. Overall, the price for homebuyers and homeowners not in a real estate transaction is on the lower side compared with the rest of the industry. We think First American offers good coverage at a decent price.

What is First American Home Warranty?

First American is a home warranty company that offers three different coverage plans.

How does First American Home Warranty work?

First American service contracts typically last for one year and protect a home’s systems and appliances from unexpected repair or replacement costs caused by normal wear and tear.

Where is First American Home Warranty available?

First American Home Warranty is available in 35 states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Iowa
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Michigan
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wyoming
Does First American Home Warranty require a home inspection?

No, a home inspection is not required to get coverage from First American Home Warranty, but preexisting conditions are generally not covered.

Can I cancel First American Home Warranty before my contract is up?

You can cancel your warranty within seven days of the contract effective date (generally 30 days after purchase). After that period, the contract is considered non-cancelable. A written request must be made for cancellation (dependent on approval). If approved, you will get a prorated refund and be charged a $50 administrative fee.

First American Home Warranty Reviews

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2 featured reviews
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Verified purchase
Customer ServiceClaims HandlingCoverageTechPricePunctuality & Speed

Reviewed March 10, 2023

I had an AC that broke and First American was very deceiving. They would fix the AC but I needed the platform fixed because they wouldn’t pay for that. There are certain things that if they don’t fix that, they can’t fix the whole unit. Otherwise, everything's been good and it's quick. I go online, put in the thing and they send me an email with the company's name. Usually, the company will contact you or you can call the company that they want you to set up with and you set an appointment. But when I called First American about plumbing, I didn't understand. The plumbing was covered but the faucet wasn't, and the plumber wasn't very clear on why. He was having a hard time explaining to me, which is why I try not to call, I just do the claim online.

First American had other companies come out for my dryer. I called the company directly and the tech came out and he was great. He knew what he needed to do and he fixed it. It wasn't a hassle. If I didn't have a warranty company and I have his card somewhere, I would call him. The quality of the work is good for the most part. I've never had a complaint about work that's been done. The only thing is First American does replacements, they lowball what the replacement price would be. I had a dishwasher that had to be replaced and they only gave me $300. There's no dishwasher out there that's worth $300. They said they buy directly. So, if you don't get it from what they are offering you, you're not getting a lot of money. First American is there until something breaks. It's easy to deal with and to get ahold of. I have recommended people. It's a good company.

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Response from First American Home Warranty

Momotaz, Thank you for taking a moment to share your feedback with us. It is great to know that we have been able to be there for you throughout your claims. Regarding coverage, we do offer additional coverage which allows you to tailor a plan more to your needs. On renewal, our team can review your coverage with you and determine if that is what is working the best for you. We look forward to being there for you, should you ever need us again.

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    Customer ServiceClaims HandlingTech

    Reviewed March 7, 2023

    We've had First American for nine years now and my experience up until my last repair has been fabulous. I have recommended them to friends of mine. We bought a home and we were given a warranty with another company and we dropped that and switched back to First American. I have never been able to find their online site very easy to submit a claim through that process, so I call in. Their reps have always been very courteous. It always takes a little bit longer than I wish. But they've been responsive to my calls.

    I had plumbing problems with my kitchen and my bathroom. I was assigned a contractor whom I adore. I've had them before. He diagnosed the problem. The next thing I knew, I was assigned a different contractor who I've also had in the past, and he confirmed all the problems, and then I never heard back from anybody. I continued to call repeatedly. I couldn't figure out what was going on. I finally called the first contractor back on my own, and he told me that he was too small of a contractor. He did not have access to the things that I needed and he had declined to do the claim.

    The second person never returned my calls. I kept calling to see what was going on but never heard from him. This claim was placed in November. By January, First American told me that they had said that they repaired my shower. There was never anything wrong with my shower and I was furious because I figured they had really hurt First American with a false claim. First American asked me to send them photos of my shower proving that there was nothing wrong with it and of all the things that were broken.

    I did all that. Finally, after many calls, I was given the opportunity to hire my own contractor. He repaired all the things. Interestingly enough, the two First American contractors had said I needed a new faucet and I was reluctant to do that because it matches another faucet in my kitchen. The contractor that I ultimately hired was able to get a replacement part to repair the faucet rather than replace it. He did all the repairs. First American paid the bill. I'm a happy camper. I have never had such a negative experience with First American. This is so not typical of how they have handled claims. It is not causing me to leave them because ultimately, they stood behind me and they were supportive. But, it was a bad experience.

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    Response from First American Home Warranty

    Cheryl, Thank you for taking the time to share your experience with us. We are sorry to hear that you had experienced this delay in having your claim resolved. This is certainly not the level of service that we typically provide you. We will share this feedback with our team to ensure our quality of service meets our customers’ expectations. We hope the next time you may need us, you will give us another chance to meet your needs.

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    Customer ServiceClaims HandlingTechPunctuality & Speed

    Reviewed Jan. 25, 2023

    First American is always on top of everything and they're always great at communication. I also have no issues with the monthly fee that I have to pay since it comes right out of my account. But the company that was chosen for my last claim, Eagle Eye, was terrible. They sent a serviceman out who was in and out in less than three minutes. He took a couple of photos, and said that they had to order the part to my washing machine and would get back to me. So weeks went by, then all of a sudden I got another phone call from them saying they were ready to schedule to come out and service my washer. So I thought that they had received the part and was coming to fix my washing machine.

    But the same service man came back, took apart my whole washing machine, took pictures of it, and said that he had to order the part then someone would be back at me. I told him that we was just here a few weeks before, that this time I thought he brought the part with him, and that he was putting it in. I also told him that it had been almost a month already. He then asked if I had the part with me. I told him that I didn't have it and asked why would I have it. He then said that First American Warranty did not allow them to get the parts and that they send them directly to the customers. Also, when I asked him if he remembered me and what he did the last time he came out, he said he didn't.

    I then asked him how long would it take to get the part and he answered that it could be anywhere from two to three weeks. So, I told him that I needed him to put my washing machine back, because it was working fine. I just needed him to fix the button that seemed to have a short. He then said that once he took apart the washing machine, he couldn't put it back. So, I had to go almost three weeks without my washing machine. Then they got the part mailed to me, and once I got it, I had to schedule for the tech to come out which took another week. By this time, I filed a complaint with Eagle Eye. They apologized and said that they would send out a new service man. The new service man came, installed the part, and I have had no issues since then.

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    Response from First American Home Warranty

    Terry, We appreciate you taking the time to share your experience with us! It is wonderful to know that we have been able to successfully communicate updates to you. We are disappointed however, to know that you experienced a delay with your claim and was not satisfied with the service of the first contractor assigned to assist you. We are glad that a new technician was able to be dispatched and your claim successfully resolved. We look forward to being there for you, should you ever need us again.

    Verified purchase
    Customer ServicePunctuality & Speed

    Reviewed Nov. 2, 2022

    First American has always been responsive to us. We used it once last year. Unfortunately, we didn't use it the second time because we were out of the country and I got a thing about doing my air conditioner. I thought, "Well, we'll wait till we get back to do it because there won't be anybody to open the house." The day we got back, we found out that it was one day late to call to get this air conditioner seasonally serviced. We used them one time and the experience was very good, and that's partly because of the company that they use. We got home after driving 18 hours and we had no water in our house. We couldn't flush toilets, we could drink because we had bottled water, but we couldn't shower.

    We called and they said they would answer me back in 72 hours. I called them and said, "We're senior citizens. We really need this." The rep said, "I can't send somebody on Sunday, but I will call the very next day." The kid came early in the morning and he said he could do the repair, but he was gonna need to dig up my yard. He called the company and said, "I know that there's other stuff set up for me for the day, but I'd like to stay and finish this job for these people, even if it takes all day." This was in Texas in the hottest summer. They gave him permission to do it and he was here for at least five hours digging up a stone-hard ground because we're in droughts in Texas. He said he went and bought what equipment he needed and brought it back and was very good. We were very impressed with him. If I had gone the regular route, it would have been 72 hours before they even contacted me.

    Earlier this week, we had somebody come to do our heating system. The guy got here on time. He might have been here for 20 minutes because it was outside my house and was in my attic. My husband went with him and the only thing he told him was, "Everything looked good and you should be fine." He didn't give him any kind of piece of paper saying, "I checked this or this or this or this." He had to turn on our system and had to wait about 10 minutes for it to get from cool to heat as far as the temperature coming up in my house.

    He waited until he could see that it was coming up and didn't shut off. My husband asked him, "Well, do you need some vinegar to pour down the little clean-out spout that's up there?" He said no, but told him it was best to go ahead and do that at least twice a year. We should put the vinegar in the boiling water down then and that cleans out that pipe that the drainage goes through. He was polite and knowledgeable. There was no real repair of that, but it was just a system check before we turn on our heat, which could be in December or January.

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    Response from First American Home Warranty

    Marian, We appreciate you taking the time to share your full experience with us! It is always great to hear when our customers are provided excellent service. We know how many choices you have when deciding on a home warranty company, and we are glad you chose us.

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    Claims HandlingCoverageTechPrice

    Reviewed Oct. 20, 2022

    Around November, our heat didn't work, so we ended up calling First American. I actually forgot that we had an extended warranty on the home, so I called some HVAC companies. The lady said, “Well, you haven't had a warranty?” I said, “Wait, I think I do have a warranty.” So, she said, “Well, if you have a warranty, go ahead and check with them first, make sure, because what we're gonna charge, it's gonna be really high compared to what you would have to pay with the home warranty.” So, on that day, I set the account up with First American Home Warranty and I put in a claim for someone to come and look at the heater.

    When I did the claim, I got a notification for me to go into the app and I was texted who was gonna be coming to the home. I had to confirm with them what time they would be showing up. So, I knew what company was gonna be coming. I knew the person. They sent me a photo of the person who would be arriving, and they said they would be contacting me 30 minutes before their arrival.

    For the most part, I've had really good interactions with First American's contractor. I had one experience where I kinda felt like the contractor was trying to get over on me. Other than that one experience, I've had really good experiences. Everybody has been really polite and nice. They came in and did what they were supposed to do, and I just had to pay the fee that goes along with it. I would tell others that they need to get First American because being a homeowner is difficult and they wanna be prepared for the worst.

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    Response from First American Home Warranty

    Camilla, Thank you for taking the time to share your review with us! It is great to know that we were able to be there for you when you needed it most.

    Verified purchase

    Reviewed Sept. 14, 2023

    I've had to file two claims, and I have an account manager that I can contact and communicate with. One of the things that I had was the rekey, and that was a simple process, because it's something that is normal. The other claim was for my HVAC system. There was an issue with it which made it stop working in 100 degree weather, and First American couldn't get me somebody soon enough. It takes 48 hours for them to source people, and I couldn't be bothered with that whole process. I have an 11-month-old, so I needed something done that same day.

    I got it done, and I paid for it. I reached out to First American to see if they would cover it, and they needed more detailed information about what happened. I was able to provide that, so they were able to provide me with the reimbursement for that. That was a great experience. When people are buying a house, they go through an inspection report and that's fine, but they really don't know what sort of issues they're going to run into in the first year. One of the best things with having a home warranty policy is having that cushion, and having that peace of mind is helpful.

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    Response from First American Home Warranty

    Mary, Thanks so much for taking the time to share your experience with us! It is fantastic to know that you were provided five star service. We look forward to being there for you, should you ever need us again.

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    Customer Service

    Reviewed Sept. 13, 2023

    When I had a claim, the first person that came out seemed like wanted to do a whole lot. But he did answer the questions I asked, so I felt better after that. The second person was excellent. It was easy for First American to solve my problem.

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    Response from First American Home Warranty

    Vera, Thank you for taking the time to share your review with us!

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    Customer Service

    Reviewed Sept. 13, 2023

    I called First American Home Warranty. They took the information down. They had a contractor call me. And within 24 hours, somebody called me. We set up an appointment and started the process. And within two weeks, it was resolved. The parts wouldn't be available. So, they replaced the washing machine.

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    Response from First American Home Warranty

    Carole, We appreciate you taking the time to share your review with us! It is great to know that we were able to replace your washing machine. We know how many choices you have when deciding on a home warranty company, and we are glad you chose us.

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    Customer ServicePricePunctuality & Speed

    Reviewed Sept. 12, 2023

    Two plumbers came. Quickly determined that the garbage disposal needed replacement. They had a suitable replacement with them and changed the disposal without delay. Very satisfied with their kindness and professionalism. First American’s online request process was simple and straightforward. The cost was reasonable and the response was satisfactory. The request was on a late Friday of a holiday weekend and luckily there was not an emergency. It was not clear what to do if it was an emergency.

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    Response from First American Home Warranty

    Raymond, Thank you for taking the time to share your experience with us! It is fantastic to hear that your issue was resolved. We look forward to providing you great service in the future.

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    Punctuality & Speed

    Reviewed Sept. 12, 2023

    Reacted quickly to our problem this time. Service provided was 'A' one. Very happy with the results. Workers were friendly and respectful. Informed me of the issue and described to me each step (and why) they were making.

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    Response from First American Home Warranty

    Dan, Thank you for taking a moment to share your five star review with us!

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    First American Home Warranty Company Information

    Company Name:
    First American Home Warranty
    Year Founded:
    Santa Rosa