436 reviews on
Trustpilot
Pricing and Plans
First American Home Warranty offers three primary plans:
- Starter Plan: Covers 11 essential home systems and appliances, such as built-in microwaves, washing machines, heating systems, and refrigerators. This plan has a coverage cap of $3,500 per appliance and unlimited coverage for systems.
- Essential Plan: Expands coverage to 17 items, including air conditioning, trash compactors, water heaters, and clothes washers and dryers. The appliance coverage cap remains at $3,500, but the water heater has a cap of $1,000, and systems are covered without limits.
- Premium Plan: Covers 25 items, including all the Essential Plan items plus roof leaks, garbage disposals, and faucets. The appliance coverage cap increases to $7,000, with unlimited coverage for systems (NerdWallet: Finance smarter) (This Old House).
Monthly costs range from $42 to $82, depending on the plan and service fee selected. Service fees can be $75, $100, or $125, with higher fees resulting in lower monthly premiums (NerdWallet: Finance smarter) (Top Consumer Reviews).
Features and Usability
FAHW offers several notable features:
- High Coverage Limits: The Premium Plan provides up to $7,000 per appliance and unlimited coverage for home systems, which is significantly higher than many competitors.
- Flexible Service Fees: Customers can choose their service fee, allowing them to balance monthly premiums with out-of-pocket costs.
- First American Advantage: Additional services for code violations, improper installations, and appliance removal, with a combined limit of $500 (up to $1,500 with the Premium Plan) (NerdWallet: Finance smarter) (This Old House).
- 24/7 Claims Service: Homeowners can file claims online or via phone at any time, ensuring prompt attention to urgent issues (Top Consumer Reviews).
Customer Experience
Customer reviews for FAHW are mixed. Positive feedback often highlights the generous appliance coverage and the efficiency of the claims process. However, some negative reviews mention issues with the quality of contractors and delays in service. On Trustpilot, FAHW holds a rating of 4.1 out of 5, while the Better Business Bureau (BBB) gives it a B rating (NerdWallet: Finance smarter) (Top Consumer Reviews).
Pros
- Comprehensive Coverage Options: Multiple plans to fit different needs and budgets, with high coverage caps.
- Flexible Payment Options: Customers can choose their service fee and benefit from competitive pricing.
- Additional Benefits: The First American Advantage offers unique services not commonly included by other providers (NerdWallet: Finance smarter) (This Old House) (Top Consumer Reviews).
Cons
- Mixed Customer Reviews: Some customers report issues with service quality and contractor reliability.
- Limited Coverage Areas: FAHW is not available in all states, limiting its accessibility.
- Service Fee Structure: While flexible, the service fee options may confuse some customers (NerdWallet: Finance smarter) (Top Consumer Reviews).
Final Thoughts
First American Home Warranty is a robust option for homeowners seeking comprehensive coverage for home systems and appliances. Its high coverage caps and additional benefits make it a competitive choice, especially for those with high-end homes or new appliances. However, potential customers should carefully review the terms and conditions and consider the mixed reviews regarding service quality.
For more detailed information, you can visit First American Home Warranty’s website and read reviews on This Old House, NerdWallet, and TopConsumerReviews.
