First American Home Warranty Review for 2020

If you’re looking for a home warranty provider that’s been in business for decades, you’ll find it in First American Home Warranty. The business has been in the home warranty industry for over 35 years and operates nationwide. According to First American, the company spent over $177 million in 2019 to replace or repair warrantied systems and appliances.

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Offering two straightforward plans, a variety of payment options, and a competitively priced service call fee, First American can be a great fit for a variety of homeowners and sellers. The company also offers a First Class Upgrade that provides some of the most comprehensive coverage that you’ll find in the industry.

Whether you’re looking for a basic plan to help minimize the costs of selling a house or the peace of mind that extensive protection can provide, First American plans can help.

First American Home Warranty Plans

Before you consider a First American Home Warranty plan, it’s best to first verify that coverage is available in your area. The company only offers home warranties in 35 states, and if you’re in a state that isn’t covered, the online quote system will route you to another home warranty provider.

First American Home Warranty offers two home warranty plans that provide decent coverage. Both of the plans have a $75 service call fee, which is on the lower end of the industry standard. You’ll pay this fee when a technician comes to your house to provide service.

Keep in mind that if you choose to pay monthly, you’ll incur a $3 monthly handling fee with each payment. If you can afford to pay annually, you can save $36 per year. This variety of payment options can help these plans fit into your monthly or yearly budget. The following prices reflect quotes received for a single-family home under 5,000 square feet in South Carolina.

Basic Plan ($32 per month or $348 per year)

  • Washer and dryer
  • Refrigerator
  • Dishwasher
  • Oven range
  • Cooktop
  • Microwave
  • Garbage disposal
  • Trash compactor

Premier Plan ($46.50 per month or $522 per year)

The Premier Plan includes all of the coverage of the Basic Plan, plus:

  • Plumbing
  • Plumbing stoppages
  • Heating
  • Water heater
  • Electrical
  • Garage door opener
  • Ductwork
  • Central vacuum system

Optional Coverage

While the Basic and Premier Plans do offer a good deal of coverage, First American also provides some optional coverage upgrades. With these upgrades, you can increase your coverage to be more comprehensive and to include the systems or appliances that matter most to you:

  • Central air conditioning
  • Additional refrigeration
  • Pool/spa equipment
  • Well pump

You may also choose a First Class Upgrade. This upgrade includes some valuable coverage like:

  • Refrigerant recapture, reclaim and disposal
  • Costs associated with removing an appliance that is replaced
  • Up to $250 toward correcting code violations
  • The replacement or repair of a system or appliance that was improperly installed or repaired

When added on to the Basic Plan, a First Class Upgrade includes:

  • Clothes washer and dryer knobs and dials
  • Dishwasher racks, baskets, rollers, knobs, and dials
  • Microwave oven interior lining, door glass, clocks, racks, and knobs
  • Oven/range/cooktop rotisseries, racks, knobs, dials, and interior lining
  • Smoke detectors, including all parts and components
  • Trash compactor removable buckets and knobs

When added on to the Premier Plan, a First Class Upgrade includes all of the items above, plus:

  • Plumbing faucets, shower heads and arms, hose bibbs, and toilets
  • Heating registers, grills, filters, and heat lamps
  • Fees associated with cranes or other equipment needed to service rooftop heating units
  • Garage door opener hinges, springs, and remote transmitters
  • Ductwork grills and registers

Special Features

The First American Service Department is available to assist you with claims 24/7, 365 days a year. You can initiate your service request online or call and speak with a representative. Technicians will usually contact you within 48 hours to schedule a service appointment.

First American’s home warranties cover items regardless of brand or age. Additionally, the warranties cover unknown conditions like rust, corrosion, sediment, and problems that are caused by a lack of maintenance. These warranties do not cover pre-existing conditions.

How to Get a Quote from First American Home Warranty

You can get a quote by filling out a short online form. You will need to provide your contact information and the address of the property that will be covered. The online form, particularly the property address section, is touchy and doesn’t recognize some addresses as being legitimate properties. You may have better luck calling First American at 888-875-0533 to speak with a representative.

First American has a 30-day wait period, so your coverage will start approximately a month after you sign up. You can also choose a different start date up to 45 days from your signup date.

Is First American Home Warranty Right for You?

If you’re considering a warranty through First American Home Warranty, you’ll want to weigh the pros and cons. The $75 service call fee is reasonable and on the lower end of average service call costs.

Both the Basic and the Premier Plan offer decent value, but neither plan includes air conditioning, which is often included in even basic plans offered by other home warranty providers. However, the plan costs are competitively priced, and the ability to choose a First Class Upgrade allows you to access comprehensive coverage for increased peace of mind.

The First American Home Warranty Corporation has a B+ Better Business Bureau rating. The company also has a 3 out of 5-star rating based on 1,659 customer reviews.

Many of the reviews reference issues with service technicians not arriving at their scheduled times. First American Home Warranty seems to be highly responsive to customer concerns and reviews, and many customers on both platforms updated their reviews to be more positive after the company helped to resolve their problems.

With coverage available for appliances and systems that weren’t properly maintained or that have been affected by issues like rust, a First American plan may be ideal if your home has older appliances. These warranties are some of the most affordable in the industry, and the $75 service call fee is also one of the lowest that you’ll find. Unfortunately, First American plans aren’t available in every state, so this company won’t be the right choice for every homeowner or seller.

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