First American Home Warranty Review (2018)

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First American Home Warranty

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Is buying a First American Home Warranty worth the money?

Overwhelmingly, customers are satisfied with their experiences with First American Home Warranty, with experiences of quick resolutions and good contractors. However, some had issues with the price and deductible, finding that deductible didn't necessarily cover a repair for them, just when a service agent had to come out. Although this may not be your experience, read the contract to make sure your expectations will meet reality.

Home Warranty Scores

Overall Score: 8.9/10

Customer Satisfaction: 8.9/10

Prompt Service: 8.7/10

Repair / Replace Quality: 8.8/10

Price Range: $288-$470

Deductible: $75-$95

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Company Details

First American is more than just a home warranty company. They also offer insurance, title services, and investment advisory services. Their revenues are extensive at over $5.5B annually. They have a lot of experience providing excellent service to customers in a variety of fields. With positive reviews from customers, there is a reason why First American should be on your list of potential companies.

First American
HeadquartersSanta Ana, CA
# of States ServedAll States
BBB RatingB
Employees850+
Customers~450,000

Product Details

First American has a variety of home warranty products for customers to choose from. Although prices vary by location, First American products start as low as $24/mo, which is much lower than many competitors.

PlanCoverage Items
BasicDepending on location:
  • dishwasher
  • garbage disposal
  • hot water dispenser
  • trash compactor
  • oven/range/cooktop
  • microvave (built-in)
  • kitchen refrigerator
  • washer/dryer
  • attic and exhaust fans
  • ceiling fans
PremierDepending on location:
  • all from basic + plumbing (incl. stoppages)
  • heating
  • ductwork
  • water heater
  • electrical
  • garage door opener
  • central vacuum

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Exclusions:

  • There are per-appliance exclusions (on both plans unless you purchase an upgrade)
  • Even with upgrade, pre-existing conditions and improper installations are not covered

Ease of Making Claims

Overall, customers report that making claims is a relatively painless process online and that the request portal is very user friendly. Some have described that though the process is simple, there are times where the contractor will not have all of the information submitted. Note: this may have been a temporary issue.

Positives

  • Simple online request portal
  • Promptness of assigning service providers

Negatives

  • Occasional reports of information not submitting to service providers
  • Long phone hold times
  • Phone support is not always great to work with

Repairs & Replacements

People are pleased by the speed and consistency of the service they receive. However, there are some people that have had issues with being nickled and dimed in terms of how much money to pay. Some have had experiences where they have to pay more money for repairing and replacing the same item (without it being properly repaired before). Although this criticism is not extremely widespread, it is very important to read your contract so you understand when you will be required and how often.

Realtor Tools & Plans

There are some nice benefits for realtors, including designated area managers that can help with plans and coverage questions for realtors their clients. Additionally, there are buyer and seller plan options with optional coverage upgrades. Below, find a coverage sample:

PlanCoverage Items
Basic Contract Coverage (Buyer)
  • attic and exhaust fans
  • ceiling fans
  • central AC
  • central vacuum
  • circulating pumps
  • dishwasher
  • ductwork
  • electrical
  • garage door openers
  • garbage disposal
  • heating
  • instant hot water dispenser
  • microwave (built-in)
  • oven/range/cooktop
  • plumbing (incl. stoppages)
  • pressure regulators
  • sump pumps
  • toilet tanks and bowls
  • trash compactor
  • water heater
Optional Contract Coverarge (Seller)
  • attic and exhaust fans
  • ceiling fans
  • central vacuum
  • circulating pumps
  • dishwasher
  • electrical
  • garage door openers
  • garbage disposal
  • instant hot water dispenser
  • microwave (built-in)
  • oven/range/cooktop
  • plumbing (incl. stoppages)
  • pressure regulators
  • sump pumps
  • toilet tanks and bowls
  • trash compactor
  • water heater
Optional Upgrades (Buyer)
  • additional refrigeration
  • washer/dryer
  • kitchen refrigerator
  • pool/spa equipment
  • septic tank pumping/system
  • well pump
  • optional upgrade against many exclusions (first class)
Optional Upgrades (Seller)
  • heating
  • AC
  • and ductwork addition
  • optional upgrade against many exclusions (first class)

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First American vs. Other Top Home Warranties

First American Home Warranty vs. American Home Shield

American Home Shield and First American Home Warranty have comparable pricing structures and pricing options. American Home Shield has more options on the higher end of the coverage range. There are some complaints from First American Home Warranty that the deductible is charged in any case of contact, whereas American Home Shield is more lenient in terms of its communications.

First American vs. Old Republic Home Warranty

First American has a better online web experience and usability versus Old Republic. Overall, the scores for repair and service are more desirable with First American than Old Republic.

First American vs. Choice Home Warranty

First American and Choice Home Warranty are comparable when it comes to service. First American has some more affordable options and entry-premiums versus Choice Home Warranty. However, Choice Home Warranty has a lower deductible overall.

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Home Warranty Score: 8.9 / 10 from 64 Ratings