In this First American Home Warranty (FAHW) review, we go into detail about its cost, coverage, limitations, customer service, and more that can help you decide if this company’s the one for your home.
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One of the oldest home warranty companies in the industry, First American Home Warranty operates and offers services in 35 states. The company has the most affordable pricing despite offering similar coverage compared to its competitors. It also has the ‘First Class Upgrade’ option to increase coverage caps making it worthy enough for consideration. However, its lack of availability across the nation is a limiting factor when compared to other notable home warranty companies.
First American Home Warranty’s coverage cost ranges from $30-$50 per month or $320-$550 per year. The cost of its plans varies per state, region, the size of the property, optional add-ons, and more. However, it charges a standard deductible of $85.
Take a look at how its pricing compares to the industry standards –
|
Aggregate Limit |
Monthly Premium Prices |
Deductible |
No. of items covered |
|
|
Industry Average |
$10,785 |
$30-$80 |
$100 |
23 |
|
First American Home Warranty |
– |
$30-$45 |
$85 |
16 |
FAHW offers its plans at a discount to military personnel. If you are a veteran or have active military status, you can contact their customer support for more details.
The company has two options available – Basic Plan and Premier Plan. FAHW also offers Optional add-ons and the First Class Upgrade option that enhance your coverage.
Real Estate Plans
First American Home Warranty offers two real estate plans – Basic Plan & Eagle Premier. The real estate coverage is more comprehensive for sellers and homebuyers than the homeowner plans, offering three upgrades, re-key service, pest control services, and more.
First American Home Warranty covers the following items in its plans –
|
Items |
Basic Plan |
Premier Plan |
|
Dishwasher |
✓ |
✓ |
|
Oven Range |
✓ |
✓ |
|
Cooktop |
✓ |
✓ |
|
Garbage Disposal |
✓ |
✓ |
|
Trash Compactor |
✓ |
✓ |
|
Microwave |
✓ |
✓ |
|
Refrigerator |
✓ |
✓ |
|
Washer-Dryer |
✓ |
✓ |
|
Electrical |
✓ |
|
|
Garage Door Opener |
✓ |
|
|
Central Vacuum System |
✓ |
|
|
Heating system |
✓ |
|
|
Ductwork |
✓ |
|
|
Water Heater |
✓ |
|
|
Plumbing |
✓ |
|
|
Plumbing Stoppages |
✓ |
Here’s is a list of the parts and components FAHW covers for the following items –
Note: This information was sourced from FAHW’s sample contract.
There is a dollar/ceiling limit to the amount FAHW will spend on your covered items and a maximum amount for the complete coverage. For example, FAHW sets $3,500 to repair or replace kitchen appliances. Similarly, the systems and additional items also have limits attached.
As is standard practice in the home warranty industry, FAHW excludes certain parts and components of covered items. It also does not offer coverage for cosmetic defects and manufacturer’s defects.
Unknown or undetected pre-existing conditions are covered, while damages resulting from any cause other than routine wear and tear are not. Reading the sample contract can offer insight into the company’s coverage limitations.
First American Home Warranty’s customer service is available 24/7 to assist you regarding any queries or filing a claim. Your claim will be verified, and the company will arrange a service technician within 4 hours of your call during regular business hours. The company’s response time is set at 48 hours after the service request has been filed.
The company will expedite the process (reasonably) during emergencies. However, the company will charge you a small fee to offer any non-emergency services after regular business hours.
The claims process of this company is as follows:
|
Company
|
Premium (Monthly)
|
Deductible
|
Coverage Cap
|
State Availability
|
BBB Rating
|
|---|---|---|---|---|---|
| First American Home Warranty | $30-$50 | $85 | Up to $3.5k per item | 35 | B |
| American Home Shield | $39-$60 | $75-$150 | $6K-Unlimited | 49 | B |
| Choice Home Warranty | $40-$65 | $85 | Up to $3K/item | 49 | B |
| Select Home Warranty | $45-$50 | $60-$100 | $2,000 | 46 | B |
| 2-10 Home Buyers Warranty | $20-$70 | $85 | $25,000/term | 44 | B |
Looking for more options? Check our top 10 home warranty companies list.
Waiting Period
-30 days
Dollar Limit For Access
-$500
Free Cancellation
-No
Contract Transfer Fee
-Nil
Cancellation Fee
-Yes
Customer Service
-24/7
Automatic Renewal
-Yes
State Availability - All except Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin
Here’s how consumers rated First American Home Warranty -
| Review Platform | No. of Reviews | Rating |
| 1,102 | ||
| Yelp | 1,532 | |
| BBB | 2,216 | |
| Trustpilot | 8,882 | |
| Pissed Consumer | 494 | |
| Site Jabber | 10 |
Most First American Home Warranty reviews are littered with complaints about the delay in the company’s response time and service. Others express frustration at their service quality. However, the positive ones seem satisfied with its services and are happy with the generous coverage caps.
First American Home Warranty has been compared and analyzed while keeping the following in mind -
All of the above and more are considered when we review a company. We also consider how they perform compared to their competitors in these fields.
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No, First American Home Warranty and American Home Shield are two different home warranty companies.
Both companies have been a part of the home warranty industry for a long time and are backed by huge corporations. Aside from these similarities, it is evident that American Home Shield does better in almost all aspects when compared with each other.
Whether plan coverage, add-on options, dollar limits, or state availability, American Home Shield is a worthier consideration compared to First American Home Warranty. However, you should also consider local reviews of these companies to find out their service quality and standard in your area for a fair comparison.
The First Class Upgrade is an optional add-on of the First American Home Warranty. As the name implies, this add-on can upgrade your plan coverage. If you choose it, your coverage can extend to certain parts or components that are not a part of standard coverage.
The upgrade also covers refrigerant recapture, reclaim, and disposal costs, lifting equipment, local building permits, improper installations or modifications, code upgrades, etc.
First American Home Warranty’s cash-out option comes into play when it cannot arrange for a contractor to serve a valid claim. In such an occurrence, the company allows you to contact an independent licensed contractor of your choice. It authorizes covered repairs or replacements and reimburses up to an agreed-upon rate.
The company will pay your contractor directly if they bill First American Home Warranty for the repair costs, or you can get the amount upon presenting a paid invoice.
No, First American Home Warranty does not cover roof leaks. You can consider Choice Home Warranty, Liberty Home Guard, ServicePlus Home Warranty, etc., if you are looking for ones that do.
Yes, First American Home Warranty’s replacement policy includes ACs.
You won’t need to do much. Like most home warranty companies, First American Home Warranty does auto-renewals. If you choose the monthly payment option, your plan will be automatically renewed for an additional year unless you request cancellation in writing.
The company assures that services will be dispatched within 48 hours under normal circumstances. However, there may be delays due to unusual or unforeseen circumstances
To cancel your First American Home Warranty agreement, you need to request a cancellation and submit it in writing to cancellationsupport@firstam.com. You will be eligible for a pro-rata refund, less a $50 administrative fee and any other costs incurred by the company for cancellation.
No, a home warranty is not the same as homeowners insurance. The first offers protection to the major appliances and systems in a home whereas the latter protects the structural parts of the home and its property.
Another differing factor is the cause where both come into play. Home warranties cover damages arising due to wear and tear, while home insurance covers damages due to unforeseen circumstances like a fire, natural disaster, etc.
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