First American Home Warranty Review

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.

This will help you – 

  • Assess how First American Home Warranty compares against its competitors
  • Determine if any FAHW plans fit your needs
  • Perceive overall customer opinion about the company

prosPERKS :

  • Upgradable plans
  • Unlimited service calls per contract term
  • Flat-rate Deductible


  • No nation-wide coverage
  • Limited add-on range

Disclosure: We may receive a commission for quotes accepted by the customers, but this has no bearing on the legitimacy of our review process.

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 – 


Aggregate Limit

Monthly Premium Prices


No. of items covered

Industry Average





First American Home Warranty




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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 – 


Basic Plan

Premier Plan


Oven Range


Garbage Disposal

Trash Compactor






Garage Door Opener


Central Vacuum System


Heating system




Water Heater




Plumbing Stoppages


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.

Want to learn more about coverage details? - Claim your free quote!

Add – Ons 

  • Central Air Conditioning
  • First Class Upgrade
  • HVAC Tune-up
  • Pool/Spa Equipment
  • Septic Tank/Pumping System
  • Additional Refrigeration

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.

First American Home Warranty Comparison

Premium (Monthly)
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.

Key Details

Waiting Period

-30 days

Dollar Limit For Access


Free Cancellation


Contract Transfer Fee


Cancellation Fee


Customer Service


Automatic Renewal


State Availability - All except Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin

Company Information

Parent Company
First American Financial
Registered Company Name
First American Home Warranty Corp
Company Type
Matthew Wendi
Established In
Years In Business
Corporate Office/Headquarters
1244 Apollo Way, Santa Rosa, CA 95407
First American Home Warranty Corporation of Florida

First American Home Warranty: Consumer Ratings

Here’s how consumers rated First American Home Warranty -

Review Platform No. of Reviews Rating
Google 1,102
3.6 / 5
Yelp 1,532
1 / 5
BBB 2,216
2.5 / 5
Trustpilot 8,882
4 / 5
Pissed Consumer 494
1.3 / 5
Site Jabber 10
1.2 / 5

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.

Our Methodology

First American Home Warranty has been compared and analyzed while keeping the following in mind -

  • Plans: Are the plans covering everything necessary? Are they offering anything unique? Do they offer options and cater to homeowners whose requirements range from basic to comprehensive?
  • Coverage: Is the offered coverage enough for potential fixes? Are they in line with living standards and current home maintenance trends? 
  • Contract terms: What parts are excluded? What is not covered? What’s the extent of the coverage? Do their promises find a place in the fine print?
  • Quality of customer service: What are their customers saying? Are they satisfied, or could things be improved?
  • Credibility: Are they registered? How long have they been in the industry? What’s their reputation?
  • Pricing: Are the costs too high? Is the pricing appropriate for the offered coverage? 

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.

Frequently Asked Questions (FAQs)

Is First American Home Warranty The Same as American Home Shield?

No, First American Home Warranty and American Home Shield are two different home warranty companies.

Which is better: American Home Shield Or First American Home Warranty?

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.

What Is A First Class Upgrade For The First American Home Warranty?

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.

What Is The Cash-out Option With First American Home Warranty?

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.

Does First American Home Warranty Cover Roof Leaks?

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.

Will First American Home Warranty Replace AC?

Yes, First American Home Warranty’s replacement policy includes ACs.

How Do I Renew My First American Home Warranty?

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.

How Long Do I Have To Wait To Get A Service Repair From FAHW?

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

How Do I Cancel My First American Home Warranty Agreement?

To cancel your First American Home Warranty agreement, you need to request a cancellation and submit it in writing to You will be eligible for a pro-rata refund, less a $50 administrative fee and any other costs incurred by the company for cancellation.

Is Home Warranty The Same As Home Insurance?

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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