First American Home Warranty Review

Customized home warranty coverage. Pricing to fit your budget. 24/7 support and claims filing. Online portal for account management.


First American is a company providing essential financial services for homeowners. They offer title insurance, lender solutions, real estate data solutions, home warranties and insurance, trust services, and much more. The company has been in operation since 1889 and has deep roots in helping homeowners with every aspect of the home buying and ownership process.

First American’s home warranty and insurance divisions have been leading the industry for over 30 years. They have an excellent reputation for providing quality plans with extensive coverage and great service. The plans include flexible payment options and customizable coverage based on zip code.

Coverage Features

First American offers many ways to protect your investment by covering common home repairs to help keep your house safe and sound. The following are some of our favorite First American Home Warranty coverage features.


Refrigerator Coverage: Have you ever woken up in the morning only to find that your milk is curdled, your leftovers are ruined, and your freezer is defrosting? All of the sudden you need to store your food somewhere else before the rest of it goes bad, and you need help fixing your refrigerator as soon as possible. With First American, you know you’ll either get it fixed or replaced in a timely manner, so you can get back to fresh food and healthy meals.

Washer and Dryer Coverage: Nobody wants to handwash or line dry all of their clothes. But when your washer or dryer bite the dust and you can’t afford a replacement, you may have no choice. First American Home Warranty has you covered, so you can keep your family’s clothes cleaned and pressed.

Cooktop Coverage: When the burners on your cooktop stop heating or the glass breaks, you need to get it fixed right away. You can’t cook without it, meaning you’ll be eating carry out until you can afford to fix or replace it. But First American will ensure you won’t wait long, with the hottest cooktop coverage around.

Oven Coverage: From cooking food unevenly to warming up at the incorrect temperature, your oven can do some things that make it really hard to prepare food by the recipe. If your oven starts to go downhill, First American Home Warranty will cover the cost of getting it fixed by pros or replaced.

Warranty Plans

First American offers multiple extended home warranty coverage plans. To help you decide if it’s the right home warranty provider for you, First American offers you a free quote by zip code, so you get the most accurate pricing and the best value.

Basic Plan: The basic plan provides essential appliance coverage for your refrigerator, washer, dryer, cooktop, oven, and more. For a customized quote and full coverage options, contact First American Home Warranty by phone or email.

Premier Plan: The premier plan provides coverage for all essential appliances in the Basic Plan plus heaters, plumbing, electrical, water heaters, and more. For a customized quote and full coverage options, contact First American Home Warranty by phone or email.

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The Good

As with all of our editor reviews, we put First American through its paces, so you don’t have to waste your time or money. Let’s take a look at some of our favorite First American Home Warranty benefits…

No Coverage Limits

With some home warranty providers, they limit the amount of money you can put toward each repair. That means there is a dollar limit assigned to each appliance which may or may not cover the full cost. With no age limits or limits to the number of claims you can file, you will have coverage for any appliance with First American. If they can’t repair it, they will replace it.

Online Homeowner’s Center and Blog

The First American online homeowner’s center gives you easy access to your account. You can access the portal at any time to track your claims, view contract details, renew your warranty, or manage your preferences. They also post regularly to their blog with maintenance and repair tips for homeowners to reduce the probability of a malfunction.

Budget Protection

By subscribing to a home warranty, you can build repairs into your monthly budget. You always know how much is coming out and you won’t experience any unnecessary expenses. First American Home Warranty allows you to prepare for an unchanging monthly expense and protect your budget from a large, one time hit that could be detrimental to your savings.

24/7 Claims Service

You can call First American to file a claim 24 hours a day. Their 24/7 service hotline has friendly and experienced customer service representatives who go through thorough training and screening to make sure they provide the best support possible. All repair work is guaranteed for 30 days, and if multiple items need care, they can be added to the same service call.

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The Bad

First American only has two warranty plan options. Many other companies have more plan options, as well as additional coverage you can add on if needed. However, First American has comprehensive coverage and they base your monthly premium on your zip code. You know you’re getting the best coverage at the best value in your specific area.

Coverage from First American varies by zip code. Their website doesn’t offer a list of all covered items because it depends on where you live. They also don’t cover all 50 states. What they do provide is the best prices because they won’t charge you for an appliance you don’t need. For instance, if you live in an area of the country where you don’t need an air conditioner, it won’t be covered in your plan and you won’t pay for it.

The Bottom Line

First American Home Warranty offers essential appliances with optional premium coverage for major systems. They have a limited number of warranty plans, but they provide comprehensive coverage by zip code and an excellent value.

The bottom line is that if you’re looking for a customized home warranty plan, First American is a great choice. Because they provide coverage and pricing by zip code, you’ll get exactly what you need and nothing that you don’t.

Enjoy customized coverage and peace of mind with a home warranty from First American!

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