Expert Review By: Patricia Barnes
First American Home Warranty provides a number of home warranty plans and customizations, including a unique ‘one day at a time’ option on some coverages, for homeowners who are in the process of selling their homes. It's best for those who want an extensive, personalized plan at a very affordable price.
Repair jobs are dispatched to service contractors within 4 hours during regular business hours.
Lower premiums for townhouses, mobile homes and condominiums.
Plan includes pest control services in some areas.
Extensive sample contract that details limits of coverage, warranty dollar amount limitations, buyer's responsibilities etc. available on the website.
Unlike other providers, the First American Home Warranty plans may cover issues caused by rust, corrosion, lack of maintenance and sediment. (See your particular plan for details).
Listing coverage available for sellers.
Sample policy clearly highlights elements that are not covered.
Service fee is $75 for each item - slightly higher than the $60 industry average.
Repair or replacement of ice makers, ice crushers, beverage dispensers, and their respective equipment will only be completed when parts are available.
The warranty coverage from First American Home Warranty is dependent on your geographic location but no matter where you live, the coverage is very good. They provide a ‘Basic’ plan, a ‘Value’ plan and an ‘Eagle Premier’ plan, all of which can be supplemented with various options such as well pumps or additional refrigerators if needed.
In some areas the plans include elements rarely included in most policies, such as pest control.
|Basic||Covers most home appliances|
|Premier||Basic + major home systems|
|First class upgrade||Adds up to 35 additional items|
Annual premiums range from $300-$500 or more, depending on selected plan and options. Monthly premiums range from $28-$44 or more, also depending on selected plan and options.
Although it is not immediately obvious where to find them, there are sample contracts available on the First American Home Warranty website. These PDF copies are very well laid out and make it easy to see what is and what is not covered by your plan.
Homeowners, realtors and contractors are all featured on the site, discussing their experiences with First American Home Warranty. There are also links to other sites where both positive and negative reviews can be found. This includes the Better Business Bureau where First American Home Warranty is an accredited business.
In line with other warranty providers, First American Home Warranty excludes pre-existing conditions and failures caused by misuse or a lack of maintenance. However, their sample contract reads “Our plans cover unknown conditions which can include rust, corrosion, sediment, problems resulting from lack of maintenance and much more!” and these issues are not covered by other companies. Also excluded is damage caused by “storms, war, riot, acts of God” etc, but again, this is in line with similar warranty companies.
Limits of liability dollar amounts vary greatly from item to item. For example, a toilet replacement is limited to $300 while heating is limited to $1,500 and a refrigerator is limited to $2,500, but these limits are printed very clearly in the contract.
First American Home Warranty uses local contractors, already established in their communities. This ensures faster service for the customer and the opportunity to build a trusting relationship with those that work on your home.
One unique program First American Home Warranty has implemented is a customer satisfaction survey which is used to monitor the performance of the contractors. If a contractor should receive consistently bad responses on the survey they are ‘let go’ from the program. Once your home is services, First American will warrant the contractor's work for 30 days.
The First American Home Warranty sample contract specifically addresses several elements of the customer service experience. Telephone service is available 24 hours a day and your service call will be dispatched to a contractor within 4 hours on a business day - unless it is an emergency. First American operates 4 claim centers and responds to around one-million claims per year.
No written claim form is required before diagnosis of the issue begins and if a properly qualified contractor is not available within their network locally, you can be given authorization to hire your own contractor and the company will reimburse you.
If you are looking for a well established company that has a fast response time and offers a wide variety of coverage options then First American Home Warranty is for you. Their nationwide network of contractors and their four hour commitment means you won’t be left waiting for days to have your issue addressed.
First American home Warranty can trace its roots all the way back to Orange County California in 1889. It was founded on the principle of putting customers first. A small title company grew and expanded eventually becoming First American Home Warranty Title and Trust Insurance Company in 1960. This company grew into a huge multinational financial company and in 1984 First American Home Warranty was created as a specialist sub-division. They have serviced around one-million claims in 2016 and in the same year saved homeowners from paying $171 million.
CEO: Larry Davidson
Founder: D.P. Kennedy
Last Updated: December, 2017