Editorial Score8.6Overview
Founded in 1984, First American Home Warranty has more than four decades of experience providing home service contracts across much of the United States. Its plans are designed to help homeowners manage the cost of repairing or replacing covered systems and appliances when they fail due to normal wear and tear.
The company offers three homeowner plans—Starter, Essential, and Premium—allowing customers to choose coverage based on their home's needs and budget. In addition to standard coverage for major systems and appliances, First American offers optional protection for items such as pools, spas, well pumps, roof leaks, and additional refrigeration units.
Customers can file claims online or by phone 24 hours a day, and First American works with a nationwide network of pre-screened service contractors to arrange repairs. As with any home service contract, coverage is subject to the terms, limits, and exclusions outlined in the service agreement.
Pros
- Three homeowner plan options
- 24/7 online and phone claims
- Optional add-on coverage available
- Established provider since 1984
Cons
Plans and Pricing
First American Home Warranty currently offers three homeowner plans.
- The Starter Plan covers many essential home systems and appliances, including plumbing, electrical, heating, refrigerators, ovens, dishwashers, and built-in microwaves.
- The Essential Plan expands coverage by adding items such as air conditioning, clothes washers, dryers, water heaters, and garage door openers.
- The Premium Plan includes the broadest coverage, adding protection for luxury appliances, central vacuum systems, faucets, and additional HVAC-related components.
Plans currently start at $33 per month, although pricing varies by state, home type, and selected options. Customers can also purchase optional add-ons including pool and spa equipment, roof leak protection, septic systems, well pumps, and secondary appliances.
Terms of Service
First American Home Warranty provides renewable one-year home service contracts rather than traditional warranties. Customers may submit service requests online or by phone at any time, after which the company dispatches a qualified contractor from its service network.
Covered repairs and replacements are handled according to the terms of the contract, and service call fees apply to each request. As with most home warranty providers, homeowners should review coverage limits, exclusions, and eligibility requirements before purchasing a plan.
Customer Support
First American offers 24/7 claims submission through its online Homeowner Center and by phone at 800-992-3400. Customers can also manage their contracts, track service requests, and review coverage details through their online account portal.
Word on the Street
Customer feedback for First American Home Warranty is mixed, which is common across the home warranty industry. Many homeowners appreciate the convenience of having repair coordination handled through a single provider and value the wide range of covered systems and appliances.
Bottom Line
First American Home Warranty is a strong option for homeowners looking for flexible coverage on major home systems and appliances. Its three-plan structure, optional add-ons, and 24/7 claims service make it suitable for a variety of homes and budgets. Before purchasing, it's important to compare plans carefully and review the service agreement to understand coverage limits, exclusions, and applicable service fees.
