First American Home Warranty Review: Prices and Ratings (2025)

Established more than 40 years ago, First American is a home warranty company that provides systems and appliance coverage for normal wear and tear. Homeowners insurance doesn’t cover wear-and-tear damage, so a home warranty can help homeowners budget for costly repairs and replacements.

First American customers report being generally happy with the service they receive from the company’s network of technicians, but it’s crucial to ensure a warranty contract provides the right coverage for your home.

Here, you can compare First American home warranty plans against other companies to find the best protection for your budget.

First American Home Warranty at a glance

First American offers three home warranty plans — Starter, Essential, and Premium — with pricing to fit a range of budgets. Customers can make service requests to First American’s prescreened contractors online or by phone. The company has mostly positive customer reviews, with 4 out of 5 stars on Trustpilot and a B+ rating from the Better Business Bureau (BBB).^{[1] [2]}

First American Home Warranty plans and coverage

First American offers three tiers of warranty plans with the following coverages:

• Starter plan: The Starter warranty provides basic coverage for plumbing, electrical, and heating systems, dishwashers, refrigerators, garbage disposals, ovens and cooktops, and built-in microwaves. Pricing starts at about $37 per month.

• Essential plan: First American’s most popular warranty plan covers everything in the Starter plan, plus water heaters, air conditioning, clothes washers and dryers, and garage door openers. Pricing starts at $50 per month.

• Premium plan: The most comprehensive warranty, the Premium plan, covers everything in the Essential and Starter plans, plus luxury appliances, complete garage door systems, faucets, instant hot water dispensers, and central vacuum systems. Pricing starts at $68 per month.

Service call fees through First American are $100 or $125 per visit, depending on your chosen plan. Warranty plans with higher service fees have lower monthly premiums.

Customers can customize their home warranty with add-on coverage for pool and spa equipment, well pumps, electric central air conditioning, septic systems, up to three additional refrigerators, water softeners, limited roof leaks, and HVAC tune-ups. Each add-on costs between $2 and $20 monthly.

Here, you can compare First American’s coverage options.

Covered Item	Starter Plan	Essential Plan	Premium Plan
Air conditioning	𝗫	✔	✔
Oven and cooktop	✔	✔	✔
Built-in microwave	✔	✔	✔
Plumbing system	✔	✔	✔
Dishwasher	✔	✔	✔
Refrigerator	✔	✔	✔
Garbage disposal	✔	✔	✔
Clothes dryer	𝗫	✔	✔
Clothes washer	𝗫	✔	✔
Garage door opener	𝗫	✔	✔
Full garage door system	𝗫	𝗫	✔
Luxury appliances	𝗫	𝗫	✔
Central vacuum system	𝗫	𝗫	✔
Faucets	𝗫	𝗫	✔
Instant hot water dispenser	𝗫	𝗫	✔

What does First American Home Warranty not cover?

A First American home warranty covers systems and appliances that break down through normal wear and tear. The policies typically exclude the following:

• Appliances or systems covered by a manufacturer’s warranty

• Chimneys

• Cosmetic damage

• Damages that home insurance covers

• Hot water heater vents

• Improperly installed items

• Items a customer tries to fix or has a contractor fix before filing a claim

• Items broken through misuse

• Items damaged by pests

• Power surges and timed circuits for electrical systems

• Propane systems

• Repairs or replacements requiring changes to your home’s structure

• Solar electric systems

• Weather damage and acts of nature

Coverage and payout limitations of First American Home Warranty

Home warranties have different coverage limitations depending on the plan. First American’s payout limits are:

• $3,500 per appliance for the Starter and Essential plans

• $7,000 per appliance for the Essential plan

First American doesn’t limit the number of service calls members can make on any plan, but a service fee of $100 to $125 applies for each visit.

How customers feel about First American Home Warranty

First American has mostly positive customer reviews. The company has a “Great” rating on Trustpilot and a B+ rating with the BBB, meaning most home warranty policyholders had a good customer experience.

Happy customers reported saving thousands of dollars with successful repair claims for HVAC systems, sump pumps, and garage doors.

Some First American home warranty customers mentioned the qualified and friendly technicians, while others reported poor service. Customer complaints include delays in the claims process and low reimbursement rates.

Where First American stands out

About two-thirds (74%) of First American home warranty customers gave the company a 4- or 5-star rating on Trustpilot. The company stands out for:

• Helpful technicians: Customers mentioned knowledgeable and personable service technicians. While some reviewers were unhappy with the service they received, feedback for First American’s contractor network is overwhelmingly positive.

• Flexible plans: First American has three tiers of home warranty plans and add-ons for highly customizable coverage.

• Payouts for multiple claims: First American doesn’t limit the number of claims members can make, and several customers rated the home warranty company highly for paying for multiple repairs or replacements.

Where First American falls short

About one-fifth of First American customers gave the home warranty a 1-star rating on Trustpilot. Unhappy customers reported:

• Delays in the claims process: Some customers faced lengthy reimbursement delays or felt First American poorly resolved their claims.

• Automated customer service: Customers complained about long, automated prompts to reach a human customer service representative.

• Inconsistent experiences with technicians: Most First American customers had positive experiences with service technicians, but some report inconsistencies in the quality of service.

How First American Home Warranty compares to other companies

Every home warranty company offers different coverage, add-ons, and pricing. Comparing multiple quotes and plans can help you find the best home warranty for you.

First American vs. American Home Shield

Like First American, American Home Shield has three plan tiers. Basic coverage, or the Silver plan, covers 14 major HVAC, plumbing, and electrical systems. The Gold plan covers 23 systems and appliances, and the Platinum plan has higher limits and roof leak repair coverage.

The home warranty company has a higher Trustpilot rating than First American, at 4.2 compared to 4 stars, but it also has a higher percentage of 1-star reviews, suggesting a less consistent service experience.

American Home Shield doesn’t provide appliance coverage on its Silver plan, unlike First American, which covers $3,500 per appliance on its lowest-tier plan.

The table below compares home warranty coverage from American Home Shield versus First American.

Factor	First American	American Home Shield
Monthly cost	$37–$68	$36–$100
BBB rating	B+	B
Service fee	$100–$125	$100–$125
Response time	48 hours	24–48 hours
Workmanship guarantee	30 days	30 days
Appliance coverage limit	$3,500–$7,000	$2,000–$4,000

First American vs. Choice Home Warranty

Choice Home Warranty has mostly positive reviews on Trustpilot, with an average of 4 out of 5 stars and 61% 5-star ratings. Happy customers mentioned easy scheduling, prompt service, and knowledgeable technicians.

The home warranty provider has two plans: a Basic plan covering 14 appliances and systems and a Total plan covering 18 appliances and systems. Choice Home Warranty also offers add-on coverages.

The company offers a longer workmanship guarantee than most home warranty providers, backing their work for up to 90 days compared to the 30-day industry standard. But unlike First American and American Home Shield, Choice Home Warranty isn’t BBB-accredited.^[3]

Factor	First American	Choice Home Warranty
Monthly cost	$37–$68	$60–$68
BBB rating	B+	Not BBB accredited
Service fee	$100–$125	$100
Response time	48 hours	Could be more than 48 hours, depending on availability
Workmanship guarantee	30 days	90 days
Appliance coverage limit	$3,500–$7,000	$500–$3,000

How to file a home warranty claim with First American

Filing a home warranty claim with First American is a relatively simple process, according to most Trustpilot company reviews. To file a claim, follow these steps:

• 

  1. Request service

  First American customers can request a service call for covered items 24/7 through First American’s online portal or by phone.

• 

  2. Get a diagnosis

  Once you request a technician, First American will book the appointment, and the provider will assess the damage and diagnose the issue.

• 

  3. Repair or replace the appliance or system

  If the damage is fixable, a service technician will repair it, ordering parts as needed. For replacements, First American replaces covered items with new appliances or systems that have similar features, efficiency, and capacity. In some cases, the home warranty company may offer a reimbursement check.

First American Home Warranty FAQs