First American Home Warranty Review



It is important to know what is included in any home warranty service. First American Home Warranty gives you great coverage limits that range from $500 to $2,500 per item which is rare in the industry. First American sets its limits per item, which means each is covered individually should you experience multiple breakdowns.

First American also lets you cover optional items such as:

  • Additional Refrigeration (Up to 4 units)
  • Central Air Conditioner
  • Pre-Season HVAC Tune-up
  • Pool / Spa Equipment
  • Well Pump
  • Septic Tank Pumping / System

Take your time and do your homework before committing to a Home Warranty plan. Study what you have at home and decide what you want to have covered. Its important to do this before talking to First American Home Warranty as it will be less time and money consuming.

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Home Warranty Companies

In a few words

First American is a cherished Home Warranty company that has been catering to the U.S. market for over 30 years. Apart from providing one of the most diverse coverages in the industry, First American is also known for the quality service it offers and dedicated support/contractor staff.


  • As low as $25/month
  • 24/7 dedicated support
  • Generous repair limits
  • Experienced contractors


  • Only available in 36 states
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First American Home Warranty
Premiums $300/year
Coverage 36 states
Customer Service Available 24/7
Contractor Network Number not disclosed
Home Inspection Not needed
Service Fee $75
Item Basic Plan Premier Plan
Range / Oven / Cooktop + +
Dishwasher + +
Garbage Disposal + +
Built-in Microwave + +
Kitchen Refrigerator + +
Trash Compactor + +
Clothes Washer + +
Clothes Dryer + +
Ceiling / Attic / Exhaust Fans + +
Instant Hot Water Dispenser + +
Central Vacuum Systems - +
Electrical System - +
Ductwork - +
Plumbing - +
Plumbing Stoppages - +
Sump Pump - +
Toilet Tanks and Bowls - +
Garage Door Opener - +
Water Heater - +
Heating System - +
Whirlpool Bath Pump and Air Switch Assemblies - +

While the basic option has you covered when it comes to the most important home appliances, the Premier plan further includes major home systems. 

First American also has what they call the First Class Upgrade which lets you add:

  • 35 additional covered items 
  • Local Building Permit Fees (up to $250)
  • Refrigerant costs (recapture, reclaim and disposal)
  • Improper use of items prior to the home warranty coverage

You can find easy to read contract samples of what each plan includes on First American Home Warranty’s website. This is a really nice touch and something you don’t see every day. 


Technicians & Contractors

First American Home Warranty has a high number of pre-screened technicians and contractors available to help you with any issue. All these professionals work in the community which guarantees that you get a fast and friendly service.

Filing a claim with First American Home Warranty is available 24/7 thanks to its dedicated customer service team. A technician is usually sent to your doorstep within JUST 4 hours on business days (less if urgent). 

Unlike other companies, First American Home Warranty lets you hire your own contractor if you are not comfortable with any of the in-house options. First American’s hiring system is so impressive that customers are asked to grade their satisfaction with a contractor whenever you get a visit from one.​​​​​​​


First American Home Warranty specializes in 2 plans – Basic and Premier.

Basic $25/month
Premier $40/month
Concrete encased plumbing and ductwork $500 per item
Steam, heated water or glycol heating $1,500 per item
Kitchen refrigerator $2,500 per item
Additional refrigeration (up to 4 units) $1,000 per item

Customer Reviews

“Very pleased with the service. The staff did a great job of getting the schedule set up. Very professional” – Janis, February 22nd 

“Responds quickly. Easy claim process. FAHW gets a local repair company to call me.” -  Gary, July 1st 2020

“We have always had great service and no issues with coverage or the local contractor.” – Dianne, August 16th 2019

Final Verdict

First American Home Warranty gives you all the important coverage you need for home systems and appliances. They have been around for decades so that alone speaks for itself. Plans start at a very affordable price of $25 per month and both the basic and premier plans are not lacking in value.  First American is also super-fast at sending contractors (within 4 hours) so there is a lot to like about this standout company. Gets an A from us. We recommend it.

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What are the coverage limits?

Most home warranty contracts set a coverage limit or cap, which is the most the company will pay out per item or per contract term. If the cost of a repair or replacement exceeds the set limit, the customer is responsible for paying the difference to get the item fixed.

First American coverage limits range from $500–$2,500 per item, which is comparable to the industry average.

Very Good

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