First American Home Warranty Review

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First American Home Warranty

First American Home Warranty

overall rating

Our Take

As an established name in the warranty industry, First American Home Warranty is a company consumers can trust to do a good job. They offer three consumer plans with two realtor plans, ensuring homeowners have many choices to get the coverage they need. 

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
  • Affordable plans beginning at $28/mo

  • Nationwide coverage

  • Competitive payout caps

  • Repair technician within four hours during normal working hours

  • Both plans lack options provided by other home warranty providers

  • Basic plan is extremely limited with coverage

Key Takeaways
  • First American Home Warranty quickly responds to service requests, dispatching a service provider within hours. 
  • Affordable plans start at $28 per month.  
  • First Class Upgrades are available to customize coverage for a nominal additional fee.  
  • Year Founded 1984
  • Coverage Nationwide
  • Customer Service 24/7 (800-992-3400)
  • Waiting Period 30 days
  • Contractor Network Network of licensed independent contractors
  • Service Recall Period 30-day workmanship guarantee
  • Number of Plans 3 homeowner plans, depending on your state. 2 real estate plans.
  • Coverage Limit Payout caps on various system/appliances/components (see payout cap section above)
  • Contract Length 12 months
  • Payment Options Company’s choice of repair, replacement, or cash payment
  • Cost Trade Service Call fees $75. Plan costs range from $28/month to $46.50/month.
  • Official Website

First American Home Warranty is an established name in the home warranty business. The company was founded in 1984 and is an experienced provider home warranty plans to homeowners and real estate professionals. Multiple plans are available starting at only $30 per month. 

During our review process, we considered pricing, plan options, coverage territory, customer service record and several other criteria. First American Home Warranty is a good choice for your home repair needs based on its affordable, nationwide coverage.

Company Overview

First American Home Warranty was founded in 1984. It has three offices in the U.S., giving the company plenty of manpower to fulfill service needs. It provides two or three homeowner warranty plans, depending on your location, as well as real estate plans and optional nationwide coverage.

Homeowner Plans

First American Home Warranty offers two or three homeowner plans, depending on your state; Basic, Value Plus, and Eagle Premier. The following optional coverages can be added to the Basic plan for an additional charge: central air conditioning, pool/spa equipment, clothes washer and dryer, additional refrigeration, well pump, and septic tank pumping/system. The waiting period for coverage is 30 days. You may only use your own contractor if you obtain approval from the company before having repairs completed.

Basic Premier
Electrical System
Garage Door Openers
Central Vacuum System
Plumbing System
Plumbing Stoppages
Toilet Tanks and Bowls
Water Heater
Sump Pump
Pool and/or Spa Equipment
Built in Microwave
Garbage Disposal
Trash Compactor
Clothes Washer and Dryer
Kitchen Refrigerator
Washer/Dryer/Kitchen Refrigerator
Pre-season HVAC Tune-up $2 $2
Septic Tank Pumping/System $7 $7

Real Estate Plans

First American Home Warranty offers realtor plans for real estate professionals who wish to offer clients a warranty when buying a home to protect them from any unexpected repairs they may incur after purchase. Sellers may also buy a policy if they wish to protect themselves against any liability issues arising from repairs needed by buyers because of unknown home defects. 

Talk to your realtor if you are buying a property. Oftentimes, the sellers will buy the policy for you or your realtor may offer it as a gift.

There is a Basic option for sellers and buyers as well as optional coverage. Optional coverage available for sellers includes First Class Upgrade that includes heating, air conditioning, and ductwork (details on the First Class Upgrade can be found here). The seller’s coverage begins when you receive your contract number and continues until the listing expires (not to exceed 180 days). Seller’s coverage may be extended at the company’s discretion. Optional coverage for buyers includes: additional refrigeration, clothes washer and dryer, First Class Upgrade, kitchen refrigerator, pool/spa equipment, septic tank pumping/system, and well pump.

For pricing on real estate plans, you must contact an area manager from the real estate professional page

Coverage Seller Buyer
Attic and Exhaust Fans
Ceiling Fans
Central Air Conditioning  
Central Vacuum System
Circulating Pumps
Garage Door Openers
Garbage Disposal
Instant Hot Water Dispenser
Built-in Microwave Oven
Plumbing Stoppages
Pressure Regulators
Sump Pumps
Toilet Tanks and Bowls
Trash Compactor
Water Heater
Re-Key Service

Homeowner Plan Pricing

All homeowner plans come with a service call fee, from $75-100 depending on the plan. Plan pricing is on a per-month basis. We took a sampling of state pricing for single-family homes less than 5,000 square feet.

Plan Alabama California Kansas Florida Maryland
Basic $32 $28 $32 $32 $32
Premier $46.50 $42.50 $45.50 $43.50 $46.50

Pricing for optional coverage listed by state. Optional coverage pricing in on a per-month basis.

Optional Alabama California Kansas Florida Maryland
Central Air Conditioning $9 $9 $9 $9 $9
Additional Refrigeration $4 $4 $4 $4 $4
Pool/Spa Equipment $15 $15 $15 $15 $15
Well Pump $7 $7 $7 $7 $7
*First Class Upgrade $9 $9 $9 $9 $9

*First Class Upgrade adds coverage for some excluded items for the plans, as well as optional coverage. The upgrade includes clothes washer and dryer, trash compactor, dishwasher, smoke detectors, and more. A full list of additional coverage provided by the First Class Upgrade can be found here.


Exclusions were obtained from a downloadable sample contract.

The exclusion list is long and detailed. Be sure to review the list prior to signing up for coverage so you don’t get caught expecting a claim to be covered that isn’t.

  • Kitchen Appliances: (Dishwasher, garbage disposal, instant hot water dispenser, trash compactor, oven/range/cooktop, built-in microwave oven): Rotisseries, lights, knobs, dials, racks, baskets, rollers, removable trays, removable buckets, door glass, interior lining, lock assemblies, magnetic induction cooktops, meat probe assemblies, and clocks (unless they affect the primary function of the unit).
  • Kitchen Refrigerator: Insulation, racks, shelves, drawers, tracks, handles, lights, ice crushers, beverage dispensers and components, interior thermal shells, food spoilage, stand-alone freezers, refrigerators outside of kitchen area, and refrigerant recapture, reclaim and disposal.
  • Ductwork: Grills and registers, improperly sized ductwork, insulation, dampers, and ductwork where asbestos is present.
  • Water Heater: Holding or storage tanks, flues and vents, fuel storage tanks, and solar equipment. 
  • Electrical: Doorbells, computer, audio, video, intercom, fixtures, alarm, and components.
  • Garage Door Openers: Remote transmitters, adjustments, doors, gates and gate motors, side rails, hinges, and springs.
  • Central Vacuum System: Hoses and accessories which are removable.
  • Clothes Washer and Dryer: Plastic mini-tubs, soap dispensers, filter and lint screens, knobs and dials, venting, and damage to clothing.
  • Ceiling Fans: Light kits and remote transmitters
  • Plumbing: Fixtures, faucets, filter, shower head, shower arm, shower enclosure and base pan, caulking and grouting, septic tank, hose bibbs, flow restrictions in freshwater lines, water conditioning equipment, sewage ejectors, saunas or steam rooms, whirlpool jets and fire suppression systems.
  • Plumbing Stoppages: Stoppages caused by foreign objects, roots, collapsed or broken lines outside the foundation, access to drain or sewer lines from roof vent and costs to locate, access, or install a ground-level cleanout.
  • Heating: Auxiliary space heaters, cable heat, mini-split ductless systems (including heat pump versions), humidifier/dehumidifier systems or accessories, filters (including electronic air cleaners), registers, fuel storage tanks, heat lamps, fireplaces and key valves, fireplace inserts, baseboard casings and grills, chimneys, flues and vents, underground or outside components and piping for geothermal or water source heat pumps, well pumps and well pump components for geothermal or water source heat pumps, grain, pellet, stove style or wood heating units, electronic, computerized, pneumatic and manual system management and zone controllers, and heat pump refrigerant recapture, reclaim, and disposal.
  • Central Air Conditioning: Mini-split ductless versions, humidifier/dehumidifier systems and accessories, registers, grills, filters (including electronic air cleaners), gas air conditioners, window units, underground or outside piping and components for geothermal or water source heat pumps, cooler pads, roof jacks or stands, electronic, computerized, pneumatic and manual system management and zone controllers and refrigerant recapture, reclaim, and disposal.
  • Pool/Spa Equipment: All cleaning equipment, including pop-up heads, turbo and actuator valves, pool sweeps, liners, lights, structural defects, solar equipment, inaccessible components, humidifier/dehumidifier systems or accessories, jets and components, fuel storage tanks, fill valves, electronic, computerized, pneumatic and manual system management and zone controllers, disposable filtration media, chlorinators, ozonators and other water chemistry control equipment and materials, auxiliary, negative edge, waterslide, waterfall, ornamental fountain and pumping and motor systems or any other pump or motor that does not circulate water from the pool or spa directly into the main filtration system, heat pumps, salt, panel box, remote controls, and dials.
  • Additional Refrigeration: Kitchen refrigerator, insulation, racks, shelves, drawers, tracks, handles, lights, ice makers, ice crushers, beverage dispensers and components, interior thermal shells, food spoilage and refrigerant recapture, reclaim, and disposal.
  • Well Pump: Well casings, booster pumps, pumps used exclusively for irrigations, animals and non-living quarters, piping or electrical lines, holding, pressure or storage tanks, redrilling of wells, damage due to lack of water, tampering, well pump and well pump components for geothermal or water source heat pumps, improper installation and access to repair well pump system.

Payout Caps

While there are several payout caps, the number of payout caps and the dollar amount are within industry standards.

  • Kitchen Appliances: $3,500 per appliance
  • Water Heater: $1,500
  • Central Air Conditioning: $1,500
  • Items In/Below Concrete Slab: $500
  • Saltwater Pool/Spa Equipment: $1,500
  • Well Pump: $1,500
  • Code Violation Correction: $250

Repair Time

When you call First American Home Warranty for service, it will dispatch a repair technician within four hours during normal working hours. If the repair is an emergency, the company will make an effort to expedite service. Non-emergency service requests outside of normal operating hours may require an additional payment. 

Customer Service/Claims

To request service, call First American’s service department, available 24/7, at 800-992-3400 or sign in to submit a new service request. To purchase a plan, homeowners can call 888-875-0533 and real estate professionals can call 800-444-9030. Quotes for both homeowners and real estate plans are available online.

Third-Party Reviews

First American Home Warranty has received many negative third-party reviews. The majority of the complaints fall under the category of “problem with a product or service.” Common complaints included a delay in repair technician arriving and complaints with completed work by contractors.

The Competition: First American Home Warranty vs. America’s Preferred Home Warranty

We took a look at the differences between First American Home Warranty vs. America’s Preferred Home Warranty to see if we can help you determine which company offers the better deal in home warranty coverage. Here are some key comparisons to consider.

Criteria First American Home Warranty America’s Preferred Home Warranty
Number of Homeowner Plans 2 2
Number of Real Estate Plans 1 1
Coverage Territory Most states Nationwide
Pricing $28/mo to $46.50/mo $38.75/mo to $45.79/mo
Workmanship Guarantee 30 days No guarantee

We feel that First American Home Warranty has plans starting at lower pricing and also provides a better workmanship guarantee, making it the winner of the two home warranty companies.

Final Verdict

First American Home Warranty provides nationwide coverage and four-hour dispatch no matter what time of day or night. Plans are affordable beginning at $28 per month; however, all of the plans lack the number of items covered compared to other home warranty providers we’ve reviewed. If you are just looking for a basic and affordable home warranty plan, this could be a good choice. However, if you have a large home with many appliances, systems, and components; you may be better off looking for more coverage options with another home warranty provider.


There are several aspects to think about in choosing a home warranty. To help readers pick the plan that works best for them, we created a methodology for reviewing home warranties, a quantified scoring system that evaluates plan pricing, exclusions, payout caps, repair times, and terms, comparing them to other carriers across the industry. Third-party ratings and customer satisfaction scores are factored in to help assess an insurer's overall quality and value.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Better Business Bureau. “First American Home Warranty.” Accessed Oct. 1, 2021.