First American Home Warranty Review

Our Opinion

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 Cost

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 – 

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Discounts/Offers

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.

First American Home Warranty Plans & Coverage

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.

• Basic Plan – This plan offers protection for selected appliances within your budget.
• Premier Plan – This plan consists of all the items listed in the basic plan, First Class Upgrade, and coverage of major home systems.

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 – 

Here’s is a list of the parts and components FAHW covers for the following items – 

• Central Air Conditioning (optional) – Evaporative cooler, built-in electric wall units, mini-split ductless systems, refrigeration system (includes heat pump) – thermostats, liquid and suction line dryers, refrigerant recharging, fuses, disconnect boxes and wiring, breakers, condensing unit, refrigerant lines, evaporator coils (including thermostatic expansion valves).
• Plumbing – Toilet tanks, bathtub motor, air switch assemblies, pump, circulating hot water pump, water, leaks and breaks, drain, gas, vent or sewer lines (except caused by freezing), circulating hot water pump, pressure regulators, valves: shower, diverter, angle stop, rise, gate valves, permanently installed sump pumps (ground water only).
• Septic Tank Pumping/System (optional) – System – Aerobic pump, sewage ejector pump, jet pump, septic tank line from house to septic tank.
  Pumping –  One time pumping per Contract if the stoppage is due to septic tank backup.
• Pool/Spa Equipment (optional) – Pumps, timers, valves, heating units, salt water cell, above ground plumbing and electrical, filters, pool sweep motor and pumps, heating units, circuit board.

Note: This information was sourced from FAHW’s sample contract.

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Add – Ons 

First American Home Warranty Coverage Limits 

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.

Plan Exclusions

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.

Quality Of FAHW Customer Service

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.

FAHW Claim Filing Process

The claims process of this company is as follows:

• Call the company’s hotline/phone number (800.992.3400) or log into the website to file a claim.
• A service contractor will be assigned within 48h of claim confirmation, with the visit scheduled at your convenience.
• The service fee of $85 is to be paid by you during this visit. The company has a recall period of 30 days if the problem recurs.