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ByTaylor Moore Finance & Insurance Writer

Taylor Moore is the Finance & Insurance Writer for Reviews.com. Her work has been published in Chicago magazine, the Chicago Reader, and elsewhere.

First American Home Warranty Review

First American Home Warranty offers good coverage and affordable plans. Its Basic and Premier plans provide coverage and adequate liability caps on your most important appliances and systems. In particular, the Basic plan (about $25 per month) is a good deal if you only want to protect your appliances under your home warranty plan. The service fee is also relatively inexpensive at $75, compared to competitors that set them as high as $125. For that, we awarded First American “Best for Low Fees” in our home warranty review roundup. It’s worth noting that First American only offers services in 35 states.

States serviced by First American Home Warranty:

Alabama
Arizona
Arkansas
California
Colorado
Florida
Georgia
Idaho
Iowa
Kansas
Kentucky
Maryland
Michigan
Mississippi
Missouri
Montana
Nebraska
Nevada
New Jersey
New Mexico
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wyoming

The Claim

"First American can help protect you from expensive repairs on home systems and appliances," saving you "hundreds to thousands each year."

Is it true?

Yes. First American offers home warranty plans that are pretty affordable, when you take into account both the service fees and monthly premiums.

Product Overview

Best for

Homeowners on a budget, those who only want appliances covered under their home warranty

Not for

Residents of the fifteen states not within First American’s service areas (Alaska, Connecticut, Delaware, Hawaii, Illinois, Indiana, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Wisconsin)

Features

Price Varies by location
States served 35
Customer service hours 24/7
Plans offered Basic Plan
Premier Plan
Workmanship guarantee 30 days
Standout features Affordable plans
Comprehensive coverage
Low service fee

Affordable plans

First American’s Basic plan, which covers your major appliances, will run you about $25 per month (price varies based on location). If paid upfront, that’s only $300 annually to protect wear-and-tear on your washer, dryer, refrigerator, dishwasher, microwave, garbage disposal, and more. We think that’s a great deal compared to similar home warranties offered by competitors, which can often exceed $40 per month. The Premier plan (about $40 per month, depending on location) covers those same appliances, in addition to heating, electrical, plumbing, water heaters, garage door openers, and other systems. You can also add central air conditioning, well pumps, and pool/spa equipment to your coverage, à la carte.

Low service fee

Each of First American’s coverage plans come with a $75 service fee, which is on the cheaper side of the spectrum. For example, the premium plans for both American Home Shield and Sears have service fees of $125. This adds up over time, as appliances and systems inevitably break down, so we appreciate First American’s commitment to being affordable.

Possible drawbacks

Not available everywhere

As of August 2019, First American offers service in 35 states. Wondering if your state is covered? This information was notably difficult to find. We weren’t able to get this information from First American's website, or even by talking to a customer service representative; you’re only able to see if you’re covered by looking up your zip code or street address (which is what we did for every capital city in the country).

30-day workmanship guarantee

Of the providers we’ve reviewed, First American has the shortest recall period, or “workmanship guarantee,” of the bunch (30 days). This means that if a repair or replacement doesn’t work, First American will waive the service fee for the first 30 days — but not any time after. In comparison, AFC Home Club guarantees its work for the entire life of the contract, while others have recall periods of 60 to 180 days.

The Competition

  First American Home Warranty American Home Shield Choice Home Warranty The Home Service Club
BBB Rating B+ B B- N/A
Service fee $75 $75, $100, or $125 $85 $65 or $95
Workmanship guarantee 30 days 60 days 90 days parts, 30 days labor 90 days parts, 30 days labor
24/7 support
View plans View plans View plans View plans

First American Home Warranty vs. American Home Shield

American Home Shield, our pick for “Best Overall Home Warranty,” covers all 50 states, compared to First American, which has service in 35 states. Service fees with AHS are tiered ($75, $100, or $125), while First American service fees are a flat $75. However, First American has a much shorter workmanship guarantee at 30 days compared to AHS’s 60 days.

First American Home Warranty vs. Choice Home Warranty

Choice Home Warranty offers service in all 50 states, while First American Home only services 35 states. Choice, which we awarded “Best Claims Processing,” also has a good, albeit middle-of-the-road, workmanship guarantee. It insures faulty repairs and replacements at 90 days for parts and 30 days for labor, versus First American’s policy of just 30 days for both. However, Choice is $10 more expensive when it comes to service fees ($85).

First American Home Warranty vs. The Home Service Club

The comparison between First American and The Home Service Club is similar to the comparison with Choice. The Home Service Club provides service to all 50 states, while First American has gaps (you’ll need to fill in free quote form to see if they have technicians near you). First American guarantees waived service fees on faulty repairs and replacements for up to 30 days, while The Home Service Club’s deal is 90 days for parts, 30 days for labor. The Home Service Club also offers a lower service fee ($65) depending on what coverage plan you choose.

First American Home Warranty FAQ

Does First American Home Warranty require a home inspection?

No. Your home does not need to be inspected for your First American home warranty contract to be activated. You can sign up for a home warranty plan online or by calling a representative. From there, service will be activated 30 days after registration.

Does First American Home Warranty have a recall period for repairs?

Yes. First American Home Warranty has a recall period of 30 days, meaning if a repair or replacement is faulty, the service fee would be waived within the first 30 days. Compared to our other picks, many of which offer workmanship guarantees between 60 and 180 days, this policy from First American is on the weaker side.

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