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2020’s First American Home Warranty Reviews, Pricing & Alternatives

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Strengths

  • The warranty covers the replacement of items that can’t be repaired
  • Repairs or replaces improperly installed, maintained, or modified appliances
  • Allows you to submit a claim 24/7 via the phone or online

Weaknesses

  • The pricing plans can be technical and hard to follow

Breakdown

SERVICE FEE

$75 - $100

Annual Cost

$300 - $1,100

REPAIR GUARANTEE

No

BBB ACCREDITATION

B+

CANCELLATION Policy

30-Day Money-Back Guarantee

HOME INSPECTION

Recommended

First American Home Warranty has been in the homeowner protection business since 1984. With 36 years behind them, this makes them one of the most experienced providers on the market today. 

They are also a member of the National Home Service Contract Association and have become one of the most recognizable names in the industry, with lots of First American Home Warranty reviews giving them good ratings.

In this review, we’ll cover:

  • Pros, cons, and standout features
  • Pricing plans and options
  • First American Home Warranty coverage, exclusions, and details
  • How to file a service request
  • First American Home Warranty reputation and customer reviews
  • Top First American Home Warranty competitors and alternatives
  • FAQs

Standout services

  • First American Home Warranty reviews highlight that their warranty covers the repair or replacement of improperly installed, maintained, or modified appliances.
  • Moreover, First American Home Warranty will replace items that cannot be repaired.

First American Home Warranty Breakdown

Feature/Benefit Details
Coverage Area Available in 35 states and the District of Columbia:

Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, 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, Wisconsin, Wyoming

Annual Cost Varies from state to state but is typically between $300 and $1,100.
Service Fees Differs from state to state but is typically $75-$100.
Waiting Period to Start Coverage Although the terms of home warranty service contracts might differ, the standard waiting period is 30 days.
Repair Facilities First American Home Warranty works with a network of home service providers across the U.S. All providers are prescreened and monitored for performance. When you file a home warranty service request, a local service provider will be sent to your home.
Turnaround Claim Process Time The claim process depends on a number of factors, such as your schedule, the availability of local repair services, etc. However, you can file a claim immediately 24/7.
Repair Guarantee As it depends on various factors, there is no repair period guarantee.
Customer Service Availability Customer service is available 24/7/365 via the phone and claims can be filed at any time. There is also a live chat, although this is only available Mon – Fri from 6 a.m. to 4 p.m. PST.
BBB Accreditation Yes, First American Home Warranty is BBB accredited and has a B+ rating.
Renewal policy All plans can be renewed.
Cancellation Policy First American Home Warranty has a risk-free 30-day money-back guarantee. After that, you can cancel the contract for a pro-rata refund of the remaining period.
Home inspection or Maintenance records It is recommended that you follow maintenance instructions for all relevant objects.

First American Home Warranty Details

As you can see from the table above, First American Home Warranty is available in over two-thirds of the states. They offer a 3-tier pricing structure with premium service suites to cater to a variety of homeowners, buyers, and sellers – all with a 30-day waiting period.

First American Home Warranty is a member of the National Home Service Contract Association, so you can rest assured that they provide a reputable and above-board service.

Like most other home warranty providers, First American Home Warranty does not cover mold or other bacterial problems, nor any damage resulting from them. The same goes for water damage, although they do provide coverage for the repair of appliances that might cause water damage down the road. They also don’t cover pre-existing damage and items that are not an essential part of home systems, for example, the electrical system.

First American Home Warranty always tries to source a local technician first. However, should they fail to do so, you are free to hire a technician of your choice and to be reimbursed for the repair costs.

First American Home Warranty covers appliance breakdowns due to improper installation, modification, or maintenance, something that most other providers do not cover.

First American Home Warranty Pricing & Plan Options

According to most reviews, customers agree that First American Home Warranty has a flexible warranty plan catalog. Basic Plan customers can pick between Buyer or Seller warranties to suit their individual circumstances. The First Class Upgrade is an additional package that you can use to extend your Basic Plan coverage.

Basic Plan Value Plus Plan Eagle Premier
Cost – The total cost of each plan depends on the state as well as the type of home. Quotes are thus generated on a case by case basis, although there does seem to be a standard pricing model. Starts at $290 for a single-family home. Starts at $440 for a single-family home. Starts at $530 for a single-family home.
Coverage Heating (optional for sellers), ductwork (optional for sellers), electrical system, garage door openers, attic, ceiling, exhaust fans, central vacuum system, plumbing system, toilet tanks plus bowls, water heater, circulating pump, sump pump, pressure regulators, built-in microwave, dishwasher, oven, cooktop, garbage disposal, instant hot water dispenser, and trash compactor. Everything in the Basic Plan, plus heating, central air conditioning, and ductwork. Also comes with a free First Class Upgrade that includes heating, lifting equipment, code violation correction, improper installation, modifications, refrigerant recapture, reclaim, and disposal, smoke detector, and appliance replacement according to building permits.  Everything in the Value Plus plan, plus kitchen refrigerator.
What’s not covered Heating, central air conditioning, ductwork, clothes washer/dryer, kitchen refrigerator, additional refrigeration, pool and/or spa equipment, septic tank, pumping system, and well pump. Clothes washer/dryer, kitchen refrigerator, additional refrigeration, pool and/or spa equipment, septic tank, pumping system, and well pump. Additional refrigeration, pool and/or spa equipment, septic tank, pumping system, and well pump.
Service fee $75-$100 $75-$100 $75-$100
Reimbursement options First American Home Warranty will pay the contractor for the repair/replacement. If no contractor can be found and you have to hire an independent contractor, you will be reimbursed.

For a more detailed breakdown of the available plans, you should check the example home warranty policy on First American Home Warranty’s website and get a free quote. All plans are customizable in the sense that you can add many optional home systems components to be covered at extra cost (usually between $50-$120).

While all plans are renewable, you can save up to 25% on your second year if you commit to a two-year period from the onset. There is also a risk-free 30-day cancellation policy and cancellations can be made thereafter, although you will only receive a prorated refund.

How To File Your Service Request Step By Step

Before filing a claim, ensure that you have your contract at hand because it explains your coverage and exclusions. This will help you proceed on an informed basis and make the whole process a lot smoother. Luckily, filing warranty claims with First American Home Warranty isn’t that complicated:

  1. First of all, check whether the type of damage you have sustained is covered by your warranty.
  2. You can then either call the toll-free service number or fill out and submit a claim form online on the First American Home Warranty website.
  3. First American Home Warranty will then try to locate a contractor in your area and put them in touch with you. It will be up to you and the service contractor to find a mutually agreeable date and time for a visit.
  4. When the contractor arrives, you’ll need to pay the once-off service fee and they will inspect your home to establish exactly what needs to be done and to confirm your coverage. If something is not covered, you will need to pay the service contractor for that as well.
  5. If it’s possible, the service contractor may complete the repairs then and there. Otherwise, they might need to come back another day with the appropriate equipment/replacement parts.

Once the work is completed, First American Home Warranty will directly reimburse the service contractor without any further action needed from you.

Pros & Cons

The warranty covers the replacement of items that can’t be repaired

Repairs or replaces improperly installed, maintained, or modified appliances

Allows you to submit a claim 24/7 via the phone or online

The pricing plans can be technical and hard to follow

There are some complaints about the speed of customer service

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First American Home Warranty Reviews & Reputation

First American Home Warranty is BBB accredited, with a B+ BBB rating. There are numerous First American Home Warranty reviews available on BBB, and it seems the company has closed more than 1,100 customer complaints over the last year. Although it’s slightly concerning that they have so many complaints, at least it shows a willingness to address customer concerns.

First American Home Warranty also has a 4-star rating out of almost 5,000 reviews on Trustpilot and a respectable 3.5-star rating out of 915 ConsumerAffairs reviews.

First American Home Warranty customer support is available via a 24/7 toll-free phone number and via email. Although First American Home Warranty makes numerous claims about being very responsive, there are a number of consumer complaints about claims taking an unacceptably long time to process as well as other response-time related issues.

First American Home Warranty Alternatives

American Residential Warranty

If you compare First American Home Warranty with its competitors, American Residential Warranty not only has a wider range of 5 plans to choose from, but prices also start at a very low $24.99. Service fees are also low, and the company has an A+ BBB rating.

Select Home Warranty

Select Home Warranty offers 3 pricing plans with monthly or yearly billing. Prices start at an affordable $36 per month with a range of optional add-on appliances.

Wrap-Up

Thanks to the fact that First American Home Warranty coverage also includes improperly installed, maintained, or modified appliances and will replace appliances that can’t be fixed, they are the best option for people buying older homes or those who haven’t updated their appliances in some time.

First American Home Warranty’s plans generally offer comprehensive coverage at relatively low prices. There are some concerns about customer support response times, but most First American Home Warranty user reviews are nonetheless positive.

Editor Rating
VISIT SITE

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Editor Rating
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FAQ

Are there any exclusions to my contract or limits to my coverage?

Yes, as with all home warranty providers, not everything in your home will be covered. That said, First American Home Warranty covers major appliances that have been improperly installed, maintained, or modified, which most of its competitors do not cover. It doesn’t cover water, mold, or other bacterial damage.

What if I have an appliance that can’t be fixed?

If it’s covered according to your contract, First American Home Warranty will pay for the replacement and installation of the appliance. The appliance will be selected by First American Home Warranty according to their own negotiated rates at or below market value.

How can I reach customer service?

You can reach customer service via the company’s toll-free line or email or submit a claim 24/7 on the company’s website. You can find First American Home Warranty reviews that detail customer experience so that you know what to expect.

Are there any referral programs in place?

Yes. If you refer someone and they sign up for a First American home warranty, both parties will receive a $25 Amazon gift card.