First American Home Warranty Reviews

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About First American Home Warranty

First American Home Warranty is a home warranty company that’s been in business for over 40 years. Its plans protect homeowners' budgets from unforeseen expenses due to normal wear and tear of a home's major systems and appliances.

Pros
  • HVAC tuneup coverage available
  • No age limit on appliances
  • Discounts on related products and services
Cons
  • Not available in all states
  • Does not publish detailed pricing

Helpful Reviews

Redmond, OR
Verified purchase
We had a Realtor buy us a First American home warranty on a home that we bought a few years ago. We've maintained it on the last three homes. Filing a claim is easy, and it seems ...

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Fairhope, AL
Verified purchase
First American Home Warranty has been awesome. I gave them a call, and their prices were good, and their coverage was great. I signed up then. I did a claim for my HVAC system jus...

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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
  • Refrigerator
  • Clothes washer and dryer
  • Garbage disposal
  • Built-in microwave
  • Oven/range/cooktop
  • Range hood and vent
  • Trash compactor
  • Water heater
  • Luxury appliances
  • Air conditioning and heating
  • HVAC tuneups
  • Ductwork
  • Mini-split ductless system
  • Heat pump
  • Garage door opener
  • Garage door system
  • Electrical system
  • Plumbing system
  • Plumbing stoppages
  • Plumbing fixtures
  • Instant hot water dispensers
  • Sump pumps and circulating pumps
  • Central vacuum system
  • Exhaust, ceiling and attic fans
  • Doorbells
  • Roof leaks

First American Home Warranty plans

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 as long as it is in safe working order at the start of your contract, no matter how old it is.

First American Home Warranty cost

First American Home Warranty pricing ranges from about $33 per month to $78 per month at the time of publishing. 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.

First American Home Warranty exclusions

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

Cosmetic damage, secondary damage, structural modifications and item parts that are deemed nonessential to the core functioning of the appliance or system may also be excluded from coverage. Your contract with First American Home Warranty will include a full list of exclusions.

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 typically range from $500 to $3,500 per item, which is comparable to the industry average. Note that limits may vary based on you location and plan.

» READ MORE: Is a home warranty worth it?

FAQ

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 36 states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Iowa
  • Illinois
  • 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.

How do I request service with a First American Home Warranty plan?

To request service you can call or sign into your online account. You can request service 24/7. A technician will contact you after you’ve submitted a request to set up an appointment. At the appointment, the tech will confirm coverage, diagnose the problem and begin the repair or replacement process.

How long does it take to get service?

Service timelines can vary, but in many cases, service is initiated within 48 hours of claim approval. Appointment availability may depend on your location and the urgency of the issue.

What is the payout limit for First American Home Warranty?

First American Home Warranty sets coverage limits on certain items, usually ranging from $500 to $3,500 per item. These limits apply to the total cost of diagnosing, repairing or replacing covered systems and appliances.

Can you choose your own contractor with First American Home Warranty?

No — First American Home Warranty assigns you a contractor from its network.

Still have questions?

Is First American Home Warranty worth it?

First American Home Warranty may be worth it for homeowners who want predictable repair costs and coverage for major systems and appliances. Its plans cover a wide range of items, and there are no age limits as long as the equipment is in working condition at the start of coverage.

Pricing is relatively affordable compared with many competitors. However, coverage limits and exclusions can affect overall value, so it’s important to review the contract details carefully.

Overall, First American Home Warranty can be a good option for homeowners looking for budget protection against unexpected breakdowns, especially if they prioritize lower monthly costs and broad coverage.

First American Home Warranty Reviews

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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceCoverageTechPunctuality & SpeedMaintenanceStaffRates

    Reviewed June 12, 2026

    We're in our 80s. Even though my husband used to fix everything, he doesn't wanna climb up on ladders, and he doesn't wanna do those things anymore. That's why we decided to get a home warranty, so we could call someone. We’re going into our third year with First American. When it comes to plumbing and electrical, we like the contractors that have come out. We had a problem when we had a problem with our stove, and we don't know if it was a communication problem. But it seemed like that particular person who came out to fix things didn't have enough knowledge to fix it. He was on the phone all the time with his boss, and he didn't speak English very well. At any rate, he didn't fix it at that time. Then we had to wait a few weeks for them to get a part. But then the next time he came out, he was able to do the work and do it effectively. Other than that, we've been very happy.

    When we had our last problem with a leak, we had a company come out, and they fixed the leak, and they were terrific. We were concerned, we'd had that kind of leak in the house in the attic several times, that maybe the plumbing wasn't of good quality. That person said, “No, it's good quality,” but they thought that our water pressure was too high and that was causing the problem.

    Then we called to have somebody come out and do something about the water pressure. And we would have liked to have that same person do that, because he diagnosed it and he knew what he was doing. But First American said, no, they had to give the contract to the first person that responded. We did get another person, and that person had been out before for us. We knew who he was, and he was a good contractor as well. We ended up being satisfied, but we would have liked to have had that person out.

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    First American Home Warranty
    Response from First American Home Warranty

    Elisabeth, Thank you for taking a moment to share your experience with us!

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      Verified purchase
      TechPunctuality & SpeedMaintenanceStaffCommunicationWait Time

      Reviewed May 12, 2026

      I've not had a problem with First American. When I need something done, they take care of it even though I don't know whether or not it would be on them. The time from when a contractor comes out to evaluate my problem until the time they get it fixed sometimes can be quick, but other times, like this last time, it takes weeks. My furnace stopped working, and they had to come in and replace something. I was without heat for a week or two before they were able to get me taken care of. They had to order a part and First American kept telling them the part was coming.

      What made me feel good about the company was when the part came in, they were working another job by then, but the guy that owned the company was trying to make sure I didn't get sick because it was cold. He came immediately and put it in so that it would start working. The contractors have been very good. Even if there's a wait time, they keep me informed of what's going on.

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      First American Home Warranty
      Response from First American Home Warranty

      Debra, Thank you for taking a moment to share your review! It is wonderful to know that we have been able to be there for you when you needed it most. We know how many choices you have when deciding on a home warranty company, and we are glad you chose us.

      Verified purchase
      Customer ServiceContract & TermsClaims HandlingCoverageTechPriceRefunds & PayoutsMaintenanceStaffCoverage Limits

      Reviewed May 9, 2026

      My first experience with First American was about four years ago, and it was excellent. I had replaced a washer before they could even respond about it, ‘cause I had a load of clothes. And they just paid me exactly what I had paid for the washer. But subsequent things, the service fee for somebody coming out just keeps getting higher. Of course, it seemed to me like everybody has. But at the same time, it has been a good experience. 

      First American sends you an email when you submit a claim and tells you which company they have referred it to, and that company would be contacting you. 9 times out of 10, that company contacts you before they ever send an email. Then everything goes smoothly from there. However, it's expensive, depending on the options that you add to the basic coverage ‘cause there are some things, depending on where you live, that you might have or might not have. You don't have that equipment, so you don't need that coverage on that. But at the same time, the service fee is what ticks me off nowadays.

      Also, it's not that easy to find their phone number if you've misplaced your paperwork. I had to go on the internet and go to two different sites before the number popped up. But that number was also the same number for almost everything with them.

      One thing I do not like about them is that it’s not a US-based customer service. I had a hard time, even though the guy spoke what he thought was great English. He never quite understood that I needed somebody to check the wiring, as opposed to I needed somebody to come out here and check the whole system.

      I was trying to get them to get the same company to come back out. ‘Cause when I called, the company didn’t finish the work on my central heating. When it was time for my air conditioner to come on, it would not work. One of the only things that had been done was the wiring upstairs. The control board for everything is on the heater and that was replaced when they replaced the heating system. I could not get this guy to understand I don't need everything checked yet. I just want them to come back out, get the phone call from them to the air conditioning company. But everything went round and round. And when they did have the new company, it was the wiring that had been done on the heater, just like I asked them to come in.

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      Verified purchase
      Customer ServiceClaims HandlingCoverageTechPunctuality & SpeedRefunds & PayoutsMaintenanceStaffBillingWait Time

      Reviewed April 26, 2026

      My First American home warranty was acquired for us by the owners when we bought this house. They covered us for the first year, then we had to pick up the payments from then on. We've been with them for about 14 years now. When I have to submit a claim, I call them and their agents are good. They give me the name of the contractor and a contact number. Then, most of the techs they send out are pretty good. This last one was a little wagon, but most of the time, they're okay. Also, the waiting time could be improved because I had to wait two weeks for a new washer.

      For another claim, it took a a week before the plumber came out for my kitchen faucet. He said that the faucet was broken and that he had to submit a report to First American so they could order a faucet to replace it. All in all, it took two weeks before I had water in my kitchen. It was the same situation for my washing machine replacement as it took about two weeks to get a new washer in here. First American has an option where you can take a cash payout and go get your own. I'm going to do that next time because it'd be a lot quicker for me. Other than that, I haven't had a problem with the coverage. Also, my son bought a house up here and I told him to get First American. So he did.

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      First American Home Warranty
      Response from First American Home Warranty

      Richard, Thank you for taking the time to share your experience with us. It is great to know that we have been able to be there for you and your home for 14 years. We know how many choices you have when deciding on a home warranty company, and we are glad you chose us!

      Verified purchase
      Customer ServiceTechPunctuality & SpeedRefunds & PayoutsMaintenanceStaff

      Reviewed April 15, 2026

      I was purchasing a new house and my Realtor recommended First American Home Warranty. I've been protected for about a month now. It was easy to get enrolled. I have called them a couple of times for a couple of issues, and other than having to pay for the service call, they were simple issues. It turned out not really requiring much intervention, but the contractors were competent. They were friendly. So far, I’ve been pleased with the service that the contractors have provided.

      I had a garbage disposal that stopped working, and that was the most recent claim I did. The garbage disposal had jammed on a small piece of plastic. It's a very small piece of plastic, which I was impressed that the service guy found the thing and got it out. He was able to reset the disposal, and it worked fine. It's been working fine ever since. So, he explained what he did. He showed me the plastic, and I was happy with that. It was a simple jam and he had to pull the strainer and stuff to get to it.

      First American has been responsive, and the folks they sent out to deal with the issues have been friendly and competent, seemed to know what they were doing. They took care of the issues quickly. It’s been easy to get ahold of them, too. I've just gone online and made my requests. First American has been pretty prompt in getting the contractor assigned and come out. There have been issues that could wait a few days, and that was fine. I had no problem with that. They weren't emergency type things. They've handled them in timely fashion.

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      First American Home Warranty
      Response from First American Home Warranty

      Stephen, Thank you for taking the time to share your experience. We are delighted to hear that your interactions with First American Home Warranty have been positive. It's great to know that our enrollment process and online request system have been convenient for you. We're glad you chose us and look forward to being here when you need us again!

      Verified purchase
      Customer ServiceTechPunctuality & SpeedStaff

      Reviewed July 3, 2026

      Second attempt was great. On first service ticket, I had trouble finding a time to meet with the plumber. WE found a time and then they cancelled. And then they cancelled the service order without any follow up. I didn't understand... But, in summary, the second attempt with a different vendor was prompt and on-time.

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      First American Home Warranty
      Response from First American Home Warranty

      Don, Thank you for taking a moment to share your experience. We look forward to being there for you, should you ever need us again.

      Verified purchase
      Customer ServiceTechPunctuality & SpeedNetwork Quality

      Reviewed July 2, 2026

      The contractor that you assigned to my request was from Cader Rapids Iowa, which is about three hours east of Kamrar, Iowa. They were unable to even look at it until the 22nd of July; so, they canceled. I spoke with TE--Carlos **, he told me I could get my own contractor; which was what I did. I had Appliance Plus from Webster City, Iowa come and diagnose the refrigerator issue. They were very quick to respond. Their Tech is in on Wednesdays; he ordered parts today and will install them next Wednesday, the 8th of July. I gave them the contact information so they hopefully will become one of the approved contractors that First American uses. Thank You. Dave S.

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      First American Home Warranty
      Response from First American Home Warranty

      Dave, Thank you for taking the time to share your review. We have a great selection of contractors, but in some areas, options may be more limited. In cases like this, we may offer other options such as hiring a contractor outside of our network. We are glad that this option was available for you. We're glad you chose us and look forward to being here when you need us again!

      Verified purchase
      CoverageStaff

      Reviewed July 1, 2026

      Switching to First American Home Warranty was a the best decision after speaking with the representative. She was very professional, pleasant and thorough explaining the policies; therefore making the decision very easy.

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      First American Home Warranty
      Response from First American Home Warranty

      Cindy, Thanks so much for taking the time to share your review! We know how many choices you have when deciding on a home warranty company, and we are glad you chose us.

      Verified purchase
      Customer Service

      Reviewed July 1, 2026

      We bought a house, and First American was included in the purchase. I’ve submitted claims for several things and they’ve been pretty good. Their customer service has been pretty direct. I haven't had any issues with them.

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      First American Home Warranty
      Response from First American Home Warranty

      Kevin, Thank you for taking a moment to share your experience with us!

      CoveragePriceRefunds & PayoutsRates

      Reviewed June 30, 2026

      Takes weeks to get anything fixed and the price usually would be less if I paid for it myself. Service about my claims is extremely poor and overall this insurance is a rip off. Do not do business with them.

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      First American Home Warranty
      Response from First American Home Warranty

      Larry, Thank you for taking the time to share your feedback. We strive to provide every customer with an excellent experience and are disappointed to learn that we fell short of your expectations. We hope the next time you may need us, you will give us another chance to meet your needs.

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      First American Home Warranty Company Information

      Company Name:
      First American Home Warranty
      Year Founded:
      1984
      City:
      Santa Rosa
      State/Province:
      CA
      Website:
      homewarranty.firstam.com

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