African-American family unpacking.

2022 First American Home Warranty Reviews And Coverage

Andrew Dehan5-minute read

November 23, 2022


Getting a home warranty is a perfect way to cover home systems and appliances should something go wrong. With a variety of home warranty companies available choosing the best home warranty company for you can be hard.

This article will look at First American Home Warranty and help you determine if this is the right company for you. We’ll start with an overview of First American Home Warranty – plans they offer, the coverage and costs you can expect.

Tested. Trusted. Top-rated.

Visit Rocket HomesSM to get a proven real estate agent that’s handpicked just for you.

About First American Home Warranty

First American Home Warranty was founded in 1984. Its parent company, First American Family, has more than 125 years of experience providing valuable real estate services and more. First American Home Warranty offers a few different home warranty plans at different levels of coverage and pricing.

First American Home Warranty Plans

There are a couple different plans for homeowners to choose from, along with options to upgrade. Depending on what you’re looking for, these plans range from essential appliance coverage to comprehensive coverage of appliances and home systems.

Here’s what First American Home Warranty offers:

  • Basic Plan: This plan covers your major appliances, like your refrigerator, oven range, cooktop, etc.
  • Premier Plan: The Premier Plan covers everything in the Basic Plan, plus your major home systems, like heating, electrical and plumbing.
  • First-Class Upgrade: This upgrade covers additional costs associated with repairing or replacing appliances and home systems. This includes the cost to dispose of old appliance coverage up to $250 to pay for new building permits required when making a replacement and up to $250 coverage to fix code violations with old appliances or

Optional Add-Ons

What else does First American Home Warranty cover? On top of your plan coverage, you can select additional add-ons to cover:

  • Pools and spas
  • Well pumps
  • Additional refrigeration
  • And more

First American Home Warranty Coverage

Directly from First American Home Warranty, here is what each plan covers.

Basic Plan

Premier Plan

Optional Coverage

Garbage disposal

Everything in the Basic Plan

Central air conditioning (electric)



Additional refrigeration

Oven range

Plumbing stoppages

Pool/spa equipment



Well pump


Water heater

First class upgrade

Trash compactor


Septic tank pumping/system


Garage door opener

HVAC tune-up





Central vacuum system


First American Home Warranty Cost

Costs for First American Home Warranty coverage can vary between locations. The Basic Plan tends to cost around $28/month and the Premier Plan averages around $42.50/month. For monthly payments, there’s an additional $3 payment fee. Each service request you file will cost a flat fee of $85.

Additional upgrades range in cost from an extra $4 – $15/month. Here’s the breakdown of the costs of these add-ons:


Cost per month

Air conditioning


Additional refrigerator units


Pool/spa equipment


Well pump


First-class upgrade (covering additional costs, such as the removal and disposal of broken items)

$9 claims that the average yearly premium for a home warranty is $900, or $75/month, and the average service fee is $125 per visit. Compared to this, First American Home Warranty is a more affordable option than many of its competitors.

First American Home Warranty Availability

First American Home Warranty offers coverage in 36 states. Here’s where First American is NOT available:

  • Alaska
  • Connecticut
  • Delaware
  • Hawaii
  • Illinois
  • Louisiana
  • Maine
  • Minnesota
  • New Hampshire
  • New York
  • North Dakota
  • Rhode Island
  • Vermont
  • Wisconsin

2022 First American Home Warranty Reviews

First American Home Warranty is a considerable option when looking for a home warranty company, but as the saying goes, don’t just take our word for it. First American Home Warranty is accredited with the Better Business Bureau with a solid B rating.


First American Home Warranty has a 3.9 out of 5 stars.

Reviewers commonly cite:

  • Long wait times for claims to be addressed
  • Problems mostly occur with the technicians hired

When reviewers leave negative comments, First American Home Warranty is quick to respond and attempt to address the situation.


On the ConsumerAffairs site, First American Home Warranty scores a 3.7 out of 5 stars.

Reviewers frequently cite:

  • Affordable pricing
  • Helpful service
  • Occasional long service times, due to waiting on parts and/or COVID-19 delays

Like Trustpilot, First American Home Warranty is active on this site, seeking to address complaints customers have.

U.S. News & World Report

U.S. News & World Report awards First American Home Warranty 3.8 out of 5 stars. Here are the pros and cons listed in their review:


  • Low monthly fee
  • Fixed service fee rate


  • Not available in 14 states
  • No optional roof coverage
  • Only offers two plans

Why We Like First American Home Warranty

When compared to other home warranty companies, there are many pluses to going with First American. One big reason we’ve already discussed is how affordable it is compared to the national average.

Here are some other big reasons we like this company.

Covers Preexisting Problems With Home Systems

First American Home Warranty covers problems with preexisting systems. Say you move into a home, get a home warranty with First American and after a couple months, have a major plumbing system problem. With the Premier Plan and a First-Class Upgrade, you not only have coverage to fix the plumbing system, but First American will cover costs to correct any code violations with the previous system (up to $250).

24/7 Claim Submission

You can reach someone at First American 24 hours a day, 365 days a year to submit a service request. So, if your furnace conks out on Christmas morning, you can reach someone to get the ball rolling so you aren’t left in the cold.

Over 35 Years Of Experience

First American Home Warranty has been in business for over 35 years. While you can read all the online reviews, the fact that this company has been successful for this long speaks volumes. You’re working with a company that has ample experience and has had many returning customers.

Large Network Of Prescreened Contractors

First American boasts a large network of prescreened contractors and technicians. These independent companies and individuals work hand-in-hand with First American to respond promptly to service requests.

First American Home Warranty FAQs

Does First American Home Warranty have any coverage limits?

Yes, they do. In fact, many home warranty companies limit what they’ll cover depending on the appliance or system. Fortunately, First American makes sample contracts available on their site so you can see what’s covered and how much before signing up.

How do I file a service claim with First American Home Warranty?

You can file a service claim 24/7, 365 days a year either on their homepage or by calling (888) 875-0533.

How often can I request service?

One great thing about First American is there’s no limit on the number of times you can request service a year. This means if your home has several problems in a year, you could be saving thousands as opposed to paying out-of-pocket for each repair/replacement.

Are there age limitations on appliances and systems covered?

No, there are no age limitations. First American Home Warranty will cover appliances and systems no matter what their age.

The Bottom Line

First American Home Warranty is an affordable home warranty company, known for their decades of experience and customer service. For those in their areas of coverage, they offer flexible plans to cover home appliances and systems. They’re regarded as one of the best in their field.

Before signing up with a home warranty company, do your research. Read our article on top home warranty companies to compare First American to other companies and find a plan that works for you.

Get approved to buy a home.

And see how much down payment assistance you may need.


Our writers perform in-depth research from various sources that may feature customer reviews and third-party ratings. These sources include – but are not limited to – Better Business Bureau (BBB) and U.S. News & World Report. We take into account company transparency and plan exclusions, as well as pricing, coverage options and any outstanding legal issues. Writers use this research to compose their reviews of each company. 

Andrew Dehan Headshot

Andrew Dehan

Andrew Dehan is a professional writer who writes about real estate and homeownership. He is also a published poet, musician and nature-lover. He lives in metro Detroit with his wife, daughter and dogs.