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First American Home Warranty Review

Looking for a home warranty and not sure whether First American Home Warranty, also known as First American Home Buyers Protection, is the right company for you? Let us help you make an informed decision. This First American Home Warranty review describes the key facts of this home warranty company, outlines the key points in the policy terms and conditions and contract coverage, and analyzes consumer reports.

Verified as secured
Official website: homewarranty.firstam.com
First American Home Warranty Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Pros And Cons
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Excellent BBB rating B+
  • Accredited by BBB
  • Low optional coverage costs

  • Limited plan selection
  • Limited optional coverage items
Covered Appliances and Systems
  • Icon
view more
Air conditioner
Covered as optional
Get coverage with First American Home Warranty
Heating system
Covered by Premier Plan
Get coverage with First American Home Warranty
Ductwork
Covered by Premier Plan (up to $500.00)
Get coverage with First American Home Warranty
Humidifier
Not covered
Air cleaner
Not covered
Refrigerator
Covered by Basic Plan, Premier Plan (up to $3,500.00)
Covered as optional (up to $1,000.00)
Get coverage with First American Home Warranty
Refrigerator ice maker
Not covered
Free-standing ice maker
Not covered
Wine refrigerator
Not covered
Stand-alone freezer
Not covered
Microwave
Covered by Basic Plan, Premier Plan (up to $3,500.00)
Get coverage with First American Home Warranty
Oven
Covered by Basic Plan, Premier Plan (up to $3,500.00)
Get coverage with First American Home Warranty
Dishwasher
Covered by Basic Plan, Premier Plan (up to $3,500.00)
Get coverage with First American Home Warranty
Water dispenser
Covered by Basic Plan, Premier Plan
Get coverage with First American Home Warranty
Trash compactor
Covered by Basic Plan, Premier Plan (up to $3,500.00)
Get coverage with First American Home Warranty
Disposal
Covered by Basic Plan, Premier Plan (up to $3,500.00)
Get coverage with First American Home Warranty
Cooktop exhaust fan
Covered by Basic Plan, Premier Plan
Get coverage with First American Home Warranty
Ceiling fan
Covered by Basic Plan, Premier Plan
Get coverage with First American Home Warranty
Attic fans
Covered by Basic Plan, Premier Plan
Get coverage with First American Home Warranty
Bath exhaust fan
Not covered
Whole house fan
Not covered
Washer
Covered by Basic Plan, Premier Plan
Get coverage with First American Home Warranty
Dryer
Covered by Basic Plan, Premier Plan
Get coverage with First American Home Warranty
Plumbing
Covered by Premier Plan
Get coverage with First American Home Warranty
Plumbing stoppages
Covered by Premier Plan
Get coverage with First American Home Warranty
Water heater
Covered by Premier Plan
Get coverage with First American Home Warranty
Water purification
Not covered
Water softener
Not covered
Well pump
Covered as optional (up to $1,500.00)
Get coverage with First American Home Warranty
Septic
Not covered
Sump pump
Not covered
Septic tank pumping
Not covered
Outside sewer line
Not covered
Outside water line
Not covered
Electrical
Covered by Premier Plan
Get coverage with First American Home Warranty
Generator
Not covered
Garage door
Covered by Premier Plan
Get coverage with First American Home Warranty
Doorbell
Not covered
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Not covered
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Not covered
our overall rating 93.10%
Updated for Jul 01, 2019
Facts and Figures
  • Effective in30 days
  • Hours 24/7
  • Cancellation$50
  • Premium $300 - $534
  • Deductible$75
  • Limits$500 - $3,500
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
Editorial Notes

First American Home Warranty company is one of the veterans in the home warranty industry. The company has been providing services to millions of households all across the contiguous United States since 1984. Currently, FAHW one of the biggest companies on the market with 755 employees and an annual revenue of $275,800,000.

In the first quarter of 2019, First American reported total revenues for the Specialty Insurance segment at $122.2 million, an increase of 8 percent compared to the first quarter of 2018. The home warranty business benefited from lower claim losses driven by both lower claim frequency and severity, due in part to milder weather and improvements in claim cost management. 

FAHW policy becomes effective 30 days after the contract has been signed, and this is a usual practice in the industry. The company wants to make user that all home systems and appliances are operational before the coverage starts. As soon as this waiting period expires, you may file a claim any time, since the customer service is available around the clock. In case you have an emergency, First American Home Warranty will dispatch their contractors to fix the problem as soon as possible. However, in non-emergency cases, there were complaints about repair delays.

Even though there are only two coverage plans available, First American Home Buyers Protection is popular among homeowners. They praise good work and the contractors' professionalism in their feedback about this company. Many of them leave high ratings in their First American Home Warranty reviews on Google Reviews, Yelp, and other consumer reporting sites.

In our Vis a Vis section, we compared the leader of the industry, American Home Shield vs First American Home Warranty, and we can say that First American has similar coverage and service call fees, but lower premiums. This explains why this company is so popular among the homeowners.

In 2019, First American Home Warranty was nominated for home warranty insurance awards and won the medal in Best Value for the Money category. 

We highly recommend reading this First American Home Warranty review, as well as the advertiser disclosure above, in full. This will help you make an informed decision in regards to the home warranty plans available to you, and the company's terms and conditions, including the fine print.

Summary rating:
Value for money:
Great
800-220-5990 Visit website
Trustworthiness

First American Home Buyers Protection Corporation was established in February 1984 and is currently headquartered in Santa Ana, California. This home warranty company serves customers from 35 states, including California, Texas, Arizona, and Colorado.

Legal
Ownership
First American Home Buyers Protection Corporation; First American Financial Corporation
Established
1984
CEO
Kristin Swan, Principal
Registered in
Santa Ana, CA
Address
P.O. Box 7248, Santa Rosa, CA 95407
Available states
All except: Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Dakota, Rhode Island, Vermont, Wisconsin
Full list of states
Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wyoming, District of Columbia
Type of company (private, public)
Private
Mediation and arbitration bodies
Disputes are resolved in American Arbitration Association

First American Home Warranty has been getting mixed attention by the media. For example, KATV, an ABC-affiliated television station licensed to Little Rock, Arkansas, shared a story about an 87-year old woman who could not get her HVAC unit fixed because FAHW insisted on her pay extra $335 on top on the contract. Usually, in case of any misunderstandings that cannot be resolved by the customer service, the clients may file a complaint with the American Arbitration Association.

Accessibility
Online chat
Yes
Social media

One of the best indicators of a company’s trustworthiness is how easy it is to reach the customer service. To get a free estimate or file a claim, you may either fill in the contact form online if you have the First American Home Warranty login or you can give them a call. The company has accounts on YouTube, Twitter, and Facebook, so you may also contact them via Messenger.

Benchmarks
First American Home Warranty
Other companies
Company size
755
0
1,650
Annual revenue
$275,800,000
0
$1,276,000,000
Number of homeowners
523,600
0
2,200,000
Number of BBB complaints closed within last 3 years
3,140
0
12,770
Traffic
96,500
0
383,900
Number of independent contractors
No data
0
44,000
Reputation
BBB accreditation
B+ (Accredited)
Awards
Fortune 100 Best Companies to Work For 2019

Over the years, FAHBP has developed a solid reputation as a reliable home warranty provider for homeowners. First American Home Warranty BBB ranking is B+.

Trustworthiness Rating
5.0 / 5.0
800-220-5990 Visit website
Coverage

There are two First American Home Warranty plans available to customers in eligible states. The Basic Plan includes the following home appliances only: garbage disposal, dishwasher, oven range, cooktop, microwave, trash compactor, refrigerator, washer, and dryer. None of the home systems are included.

The FAHW Premier Plan covers all home appliances mentioned in the Basic Plan plus some home systems including heating, plumbing, electrical, and central vacuum. This plan works best for customers who want almost everything in their house covered by a home warranty. The total cost for each plan can be split into twelve monthly payments without any extra fees. The service call fee with any plan is $75.


Optional coverage by First American warranty is available for customers who would like to include a central air conditioning system, well pump, additional refrigerator, or pool/spa equipment to their plan. Each item in this plan is priced separately. Please refer to the table below for current prices.

Summary of plans and coverage:
Coverage Term
Service Call Fee
Items
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Premium Amount
$498.00
$300.00
$48.00 - $180.00
 
Coverage
$500.00 - $3,500.00
80%
44%
9%
Coverage details
Attic fans
-
Details
Covered by FAHW
  • All parts
Not Covered by FAHW
No Info
Ceiling fan
-
Details
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Light kits and remote transmitters
Cooktop exhaust fan
-
Details
Covered by FAHW
  • All parts
Not Covered by FAHW
No Info
Dishwasher
$3,500.00
Details
Covered by FAHW
  • All Parts
Not Covered by FAHW
  • Racks
  • Baskets
  • Rollers
  • Knobs
  • Dials
Disposal
$3,500.00
Details
Covered by FAHW
  • All Parts
Not Covered by FAHW
No Info
Dryer
-
Details
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Plastic mini-tubs
  • Soap dispensers
  • Filter and lint screens
  • Knobs and dials
  • Venting
  • Damage to clothing
Ductwork
$500.00
Details
Covered by FAHW
  • Ductwork from the heating or cooling unit to the connection at register or grill
Not Covered by FAHW
  • Grills and registers
  • Insulation
  • Dampers
  • Locating leaks to ductwork
  • Diagnostic testing of ductwork
Electrical
-
Details
Covered by FAHW
  • Plugs
  • Wiring
  • Conduit
  • Junction boxes
  • Telephone wiring
  • Switches and fuses
  • Panels and sub panels
  • Circuit breakers (including ground fault)
Not Covered by FAHW
  • Door bells
  • Computer
  • Audio
  • Video
  • Intercom
  • Fixtures
  • Alarm — and all associated wiring or cables
  • Inadequate wiring capacity
  • Sensor
  • Relay
  • Low voltage systems
  • Power surges
  • Timed circuits
  • Phone jacks and wiring which is the property of the phone company
Garage door
-
Details
Covered by FAHW
  • Motor
  • Carriage
  • Switches
  • Push arm
  • Capacitor
  • Receiver unit
  • Track assembly
Not Covered by FAHW
  • Remote transmitters
  • Adjustments
  • Doors
  • Hinges
  • Springs
Heating system
-
Details
Covered by FAHW
  • Radiators
  • Heat pump
  • Heating elements
  • Gas valves to furnace
  • Baseboard convectors
  • Hydronic circulating pumps
  • Gas, electrical, oil furnaces
  • Thermostats (including base)
  • Heat pump refrigerant recharging
Not Covered by FAHW
  • Auxiliary space heaters
  • Cable heat
  • Mini-split ductless systems (including heat pump versions)
  • Humidifier/dehumidifier systems or accessories
  • Filters (including electronic air cleaners)
  • Registers
  • Fuel storage tanks
  • Heat lamps
  • Fireplaces
  • Key valves
  • Baseboard casings and grills
  • Chimneys
  • Flues and vents
  • Underground or outside components and piping for geothermal or water source heat pumps
  • Well pumps and well pump components for geothermal or water source heat pumps
  • Grain, pellet, or wood heating units (even if only source of heating)
  • Electronic, computerized, pneumatic and manual system management and zone controllers and heat pump refrigerant recapture
  • Reclaim and disposal
Microwave
$3,500.00
Details
Covered by FAHW
  • All Parts
Not Covered by FAHW
  • Interior lining
  • Door glass
  • Clocks
  • Racks
  • Knobs
  • Removable trays
  • Rotisseries
  • Lights
  • Meat probe assemblies
Oven
$3,500.00
Details
Covered by FAHW
  • All Parts
Not Covered by FAHW
  • Rotisseries
  • Lights
  • Knobs
  • Dials
  • Racks
  • Door glass
  • Interior lining
  • Magnetic induction cooktops
  • Meat probe assemblies
  • Clocks
Plumbing
-
Details
Covered by FAHW
  • Pressure regulators
  • Circulating hot water pump
  • Whirlpool bath motor, pump and air switch assemblies
  • Permanently installed sump pumps (ground water only)
  • Valves: shower, tub, diverter, riser, angle stop and gate valves
  • Leaks and breaks of water, drain, gas, vent or sewer lines (except caused by freezing)
  • Toilet tanks, bowls and mechanisms (replaced with white builder's standard as necessary)
Not Covered by FAHW
  • Fixtures
  • Faucets
  • Filter
  • Shower head
  • Shower arm
  • Shower enclosure and base pan
  • Caulking and grouting
  • Septic tank
  • Hose bibbs
  • Flow restrictions in fresh water lines
  • Water conditioning equipment
  • Sewage ejectors
  • Saunas or steam rooms
  • Whirlpool jets
  • Fire suppression systems
Plumbing stoppages
-
Details
Covered by FAHW
  • Clearing of stoppages in sink, tub, shower drains and toilets
  • Clearing of sewer and mainline stoppages (including hydrojetting if stoppage is unable to be cleared with cable) to 125 feet of point of access where ground level cleanout is existing
  • Clearing of lateral drain lines to 125 feet from point of access including accessible cleanout, p-trap, drain or overflow access point
Not Covered by FAHW
  • Stoppages caused by foreign objects, roots, collapsed or broken lines outside the foundation
  • Access to drain or sewer lines from roof vent and costs to locate
  • Access or install a ground level cleanout
Refrigerator
$3,500.00
$48.00
Details
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Insulation
  • Racks
  • Shelves
  • Drawers
  • Tracks
  • Handles
  • Lights
  • Ice crushers
  • Beverage dispensers and their respective equipment
  • Interior thermal shells
  • Food spoilage
  • Stand alone freezers
  • Refrigerators located outside kitchen area and refrigerant recapture
  • Reclaim and disposal
Toilet
-
Details
Covered by FAHW
No Info
Not Covered by FAHW
No Info
Trash compactor
$3,500.00
Details
Covered by FAHW
  • All Parts
Not Covered by FAHW
  • Removable buckets
  • Knobs
  • Lock assemblies
Vacuum
-
Details
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Hoses and accessories which are removable
Washer
-
Details
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Plastic mini-tubs
  • Soap dispensers
  • Filter and lint screens
  • Knobs and dials
  • Venting
  • Damage to clothing
Water dispenser
-
Details
Covered by FAHW
  • All Parts
Not Covered by FAHW
No Info
Water heater
-
Details
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Holding or storage tanks
  • Flues and vents
  • Fuel storage tanks
  • Solar equipment
Spa
-
$180.00
Details
Covered by FAHW
  • Filters
  • Valves
  • Timers
  • Pumps
  • Circuit board
  • Heating units
  • Pump motors
  • Salt water cell
  • Pool sweep motor and pumps
  • Above ground plumbing and electrical
Not Covered by FAHW
  • All cleaning equipment, including pop up heads, turbo valves, pool sweeps
  • Liners
  • Lights
  • Structural defects
  • Solar equipment
  • Inaccessible components
  • Humidifier/dehumidifier systems or accessories
  • Jets and respective parts and components
  • Fuel storage tanks
  • Fill valves
  • Electronic, computerized, pneumatic and manual system management and zone controllers
  • Disposable filtration media, chlorinators, ozonators and other water chemistry control equipment and materials
  • Auxiliary, negative edge, waterslide, waterfall, ornamental fountain and their pumping and motor systems
  • Any other pump or motor that does not circulate water from the pool or spa directly into the main filtration system as its primary function
  • Heat pumps
  • Salt
  • Panel box
  • Remote controls and dials
Pool
-
$180.00
Details
Covered by FAHW
  • Filters
  • Valves
  • Timers
  • Pumps
  • Circuit board
  • Heating units
  • Pump motors
  • Salt water cell
  • Pool sweep motor and pumps
  • Above ground plumbing and electrical
Not Covered by FAHW
  • All cleaning equipment, including pop up heads, turbo valves, pool sweeps
  • Liners
  • Lights
  • Structural defects
  • Solar equipment
  • Inaccessible components
  • Humidifier/dehumidifier systems or accessories
  • Jets and respective parts and components
  • Fuel storage tanks
  • Fill valves
  • Electronic, computerized, pneumatic and manual system management and zone controllers
  • Disposable filtration media, chlorinators, ozonators and other water chemistry control equipment and materials
  • Auxiliary, negative edge, waterslide, waterfall, ornamental fountain and their pumping and motor systems
  • Any other pump or motor that does not circulate water from the pool or spa directly into the main filtration system as its primary function
  • Heat pumps
  • Salt
  • Panel box
  • Remote controls and dials
Air conditioner
-
$108.00
Details
Covered by FAHW
  • Refrigeration System (Includes heat pump):
  • - thermostats
  • - condensing unit
  • - refrigerant lines
  • - air handling unit
  • - liquid and suction line dryers
  • - refrigerant recharging
  • - fuses, breakers, disconnect boxes and wiring
  • - evaporator coils (including thermostatic expansion valves)
  • Evaporative Cooler
  • Built-in Electric Wall Units
Not Covered by FAHW
  • Mini-split ductless systems (including heat pump versions)
  • Humidifier/dehumidifier systems or accessories
  • Registers
  • Grills
  • Filters (including electronic air cleaners)
  • Gas air conditioners
  • Window units
  • Underground or outside piping and components for geothermal or water source heat pumps
  • Cooler pads
  • Roof jacks or stands
  • Electronic, computerized, pneumatic and manual system management and zone controllers and refrigerant recapture
  • Reclaim and disposal.
Well pump
$1,500.00
$84.00
Details
Covered by FAHW
  • All parts of well pump utilized exclusively for domestic use
Not Covered by FAHW
  • Well casings
  • Booster pumps
  • Piping or electrical lines
  • Holding
  • Pressure or storage tanks
  • Redrilling of wells
  • Damage due to lack of water
  • Tampering
  • Well pump and well pump components for geothermal or water source heat pumps
  • Improper installation and access to repair well pump system
Premium Amount
Platinum Combo Plan
80%
$498.00
Silver Combo Plan
44%
$300.00
COVERAGE DETAILS
Attic fans
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All parts
Not Covered by FAHW
No Info
Ceiling fan
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Light kits and remote transmitters
Cooktop exhaust fan
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All parts
Not Covered by FAHW
No Info
Dishwasher
Expand
Limit
$3,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All Parts
Not Covered by FAHW
  • Racks
  • Baskets
  • Rollers
  • Knobs
  • Dials
Disposal
Expand
Limit
$3,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All Parts
Not Covered by FAHW
No Info
Dryer
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Plastic mini-tubs
  • Soap dispensers
  • Filter and lint screens
  • Knobs and dials
  • Venting
  • Damage to clothing
Ductwork
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • Ductwork from the heating or cooling unit to the connection at register or grill
Not Covered by FAHW
  • Grills and registers
  • Insulation
  • Dampers
  • Locating leaks to ductwork
  • Diagnostic testing of ductwork
Electrical
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • Plugs
  • Wiring
  • Conduit
  • Junction boxes
  • Telephone wiring
  • Switches and fuses
  • Panels and sub panels
  • Circuit breakers (including ground fault)
Not Covered by FAHW
  • Door bells
  • Computer
  • Audio
  • Video
  • Intercom
  • Fixtures
  • Alarm — and all associated wiring or cables
  • Inadequate wiring capacity
  • Sensor
  • Relay
  • Low voltage systems
  • Power surges
  • Timed circuits
  • Phone jacks and wiring which is the property of the phone company
Garage door
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • Motor
  • Carriage
  • Switches
  • Push arm
  • Capacitor
  • Receiver unit
  • Track assembly
Not Covered by FAHW
  • Remote transmitters
  • Adjustments
  • Doors
  • Hinges
  • Springs
Heating system
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • Radiators
  • Heat pump
  • Heating elements
  • Gas valves to furnace
  • Baseboard convectors
  • Hydronic circulating pumps
  • Gas, electrical, oil furnaces
  • Thermostats (including base)
  • Heat pump refrigerant recharging
Not Covered by FAHW
  • Auxiliary space heaters
  • Cable heat
  • Mini-split ductless systems (including heat pump versions)
  • Humidifier/dehumidifier systems or accessories
  • Filters (including electronic air cleaners)
  • Registers
  • Fuel storage tanks
  • Heat lamps
  • Fireplaces
  • Key valves
  • Baseboard casings and grills
  • Chimneys
  • Flues and vents
  • Underground or outside components and piping for geothermal or water source heat pumps
  • Well pumps and well pump components for geothermal or water source heat pumps
  • Grain, pellet, or wood heating units (even if only source of heating)
  • Electronic, computerized, pneumatic and manual system management and zone controllers and heat pump refrigerant recapture
  • Reclaim and disposal
Microwave
Expand
Limit
$3,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All Parts
Not Covered by FAHW
  • Interior lining
  • Door glass
  • Clocks
  • Racks
  • Knobs
  • Removable trays
  • Rotisseries
  • Lights
  • Meat probe assemblies
Oven
Expand
Limit
$3,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All Parts
Not Covered by FAHW
  • Rotisseries
  • Lights
  • Knobs
  • Dials
  • Racks
  • Door glass
  • Interior lining
  • Magnetic induction cooktops
  • Meat probe assemblies
  • Clocks
Plumbing
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • Pressure regulators
  • Circulating hot water pump
  • Whirlpool bath motor, pump and air switch assemblies
  • Permanently installed sump pumps (ground water only)
  • Valves: shower, tub, diverter, riser, angle stop and gate valves
  • Leaks and breaks of water, drain, gas, vent or sewer lines (except caused by freezing)
  • Toilet tanks, bowls and mechanisms (replaced with white builder's standard as necessary)
Not Covered by FAHW
  • Fixtures
  • Faucets
  • Filter
  • Shower head
  • Shower arm
  • Shower enclosure and base pan
  • Caulking and grouting
  • Septic tank
  • Hose bibbs
  • Flow restrictions in fresh water lines
  • Water conditioning equipment
  • Sewage ejectors
  • Saunas or steam rooms
  • Whirlpool jets
  • Fire suppression systems
Plumbing stoppages
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • Clearing of stoppages in sink, tub, shower drains and toilets
  • Clearing of sewer and mainline stoppages (including hydrojetting if stoppage is unable to be cleared with cable) to 125 feet of point of access where ground level cleanout is existing
  • Clearing of lateral drain lines to 125 feet from point of access including accessible cleanout, p-trap, drain or overflow access point
Not Covered by FAHW
  • Stoppages caused by foreign objects, roots, collapsed or broken lines outside the foundation
  • Access to drain or sewer lines from roof vent and costs to locate
  • Access or install a ground level cleanout
Refrigerator
Expand
Limit
$3,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$48.00
Expand
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Insulation
  • Racks
  • Shelves
  • Drawers
  • Tracks
  • Handles
  • Lights
  • Ice crushers
  • Beverage dispensers and their respective equipment
  • Interior thermal shells
  • Food spoilage
  • Stand alone freezers
  • Refrigerators located outside kitchen area and refrigerant recapture
  • Reclaim and disposal
Toilet
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
No Info
Not Covered by FAHW
No Info
Trash compactor
Expand
Limit
$3,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All Parts
Not Covered by FAHW
  • Removable buckets
  • Knobs
  • Lock assemblies
Vacuum
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Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Hoses and accessories which are removable
Washer
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Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Plastic mini-tubs
  • Soap dispensers
  • Filter and lint screens
  • Knobs and dials
  • Venting
  • Damage to clothing
Water dispenser
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Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All Parts
Not Covered by FAHW
No Info
Water heater
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by FAHW
  • All parts
Not Covered by FAHW
  • Holding or storage tanks
  • Flues and vents
  • Fuel storage tanks
  • Solar equipment
Spa
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Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$180.00
Expand
Covered by FAHW
  • Filters
  • Valves
  • Timers
  • Pumps
  • Circuit board
  • Heating units
  • Pump motors
  • Salt water cell
  • Pool sweep motor and pumps
  • Above ground plumbing and electrical
Not Covered by FAHW
  • All cleaning equipment, including pop up heads, turbo valves, pool sweeps
  • Liners
  • Lights
  • Structural defects
  • Solar equipment
  • Inaccessible components
  • Humidifier/dehumidifier systems or accessories
  • Jets and respective parts and components
  • Fuel storage tanks
  • Fill valves
  • Electronic, computerized, pneumatic and manual system management and zone controllers
  • Disposable filtration media, chlorinators, ozonators and other water chemistry control equipment and materials
  • Auxiliary, negative edge, waterslide, waterfall, ornamental fountain and their pumping and motor systems
  • Any other pump or motor that does not circulate water from the pool or spa directly into the main filtration system as its primary function
  • Heat pumps
  • Salt
  • Panel box
  • Remote controls and dials
Pool
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Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$180.00
Expand
Covered by FAHW
  • Filters
  • Valves
  • Timers
  • Pumps
  • Circuit board
  • Heating units
  • Pump motors
  • Salt water cell
  • Pool sweep motor and pumps
  • Above ground plumbing and electrical
Not Covered by FAHW
  • All cleaning equipment, including pop up heads, turbo valves, pool sweeps
  • Liners
  • Lights
  • Structural defects
  • Solar equipment
  • Inaccessible components
  • Humidifier/dehumidifier systems or accessories
  • Jets and respective parts and components
  • Fuel storage tanks
  • Fill valves
  • Electronic, computerized, pneumatic and manual system management and zone controllers
  • Disposable filtration media, chlorinators, ozonators and other water chemistry control equipment and materials
  • Auxiliary, negative edge, waterslide, waterfall, ornamental fountain and their pumping and motor systems
  • Any other pump or motor that does not circulate water from the pool or spa directly into the main filtration system as its primary function
  • Heat pumps
  • Salt
  • Panel box
  • Remote controls and dials
Air conditioner
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Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$108.00
Expand
Covered by FAHW
  • Refrigeration System (Includes heat pump):
  • - thermostats
  • - condensing unit
  • - refrigerant lines
  • - air handling unit
  • - liquid and suction line dryers
  • - refrigerant recharging
  • - fuses, breakers, disconnect boxes and wiring
  • - evaporator coils (including thermostatic expansion valves)
  • Evaporative Cooler
  • Built-in Electric Wall Units
Not Covered by FAHW
  • Mini-split ductless systems (including heat pump versions)
  • Humidifier/dehumidifier systems or accessories
  • Registers
  • Grills
  • Filters (including electronic air cleaners)
  • Gas air conditioners
  • Window units
  • Underground or outside piping and components for geothermal or water source heat pumps
  • Cooler pads
  • Roof jacks or stands
  • Electronic, computerized, pneumatic and manual system management and zone controllers and refrigerant recapture
  • Reclaim and disposal.
Well pump
Expand
Limit
$1,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$84.00
Expand
Covered by FAHW
  • All parts of well pump utilized exclusively for domestic use
Not Covered by FAHW
  • Well casings
  • Booster pumps
  • Piping or electrical lines
  • Holding
  • Pressure or storage tanks
  • Redrilling of wells
  • Damage due to lack of water
  • Tampering
  • Well pump and well pump components for geothermal or water source heat pumps
  • Improper installation and access to repair well pump system

Heating System

The FAHW contract covers gas, electric, oil furnaces, and thermostats, as well as heat pumps, radiators, and heating elements. The service providers will recharge the heat pump refrigerant or replace the whole split system if needed. However, no auxiliary space heaters, fireplaces, chimneys, or underground or outside components are covered. For the full list of covered and not covered parts of the heating system, please see the table below. Additional First American Home Warranty coverage is available with the purchase of the First Class upgrade.

Plumbing System

For the plumbing system, First American Home Buyers Protection contract covers leaks and breaks in the pipes, pressure regulators, toilet tanks and mechanisms, permanent sump pumps, hot water pump, various valves, and more. In case any walls, floors, or ceilings need to be penetrated for the repair of piping, the company will return the opening to a rough finish. The coverage for diagnostics, access, and repair or replacement is capped at $500. Additional coverage with the purchase of the First Class upgrade will include all faucets, shower heads, and hose bibs for up to $600 per occurrence.

Electrical System

As for the electrical system in the house, all wiring, plugs, conduit, junction boxes, switches, and circuit breakers are covered by the First American Home Warranty contract, including the ground fault. The company will provide access to covered electrical repairs through the walls, floors, or ceilings, and will return the opening to a rough finish. However, none of the computer, video, intercoms, alarms, doorbells, or any wiring associated with them will be covered. For additional coverage with the purchase of the First Class upgrade, the contract will include smoke detectors, correction of code violations, and obtaining building permits for up to $250.

Home Appliances and Fixtures

The First American Home Warranty Plans cover most home appliances, including oven/range/cooktop, built-in microwave, dishwasher, clothes washer and dryer, trash compactor, garbage disposal, instant water dispenser, and a kitchen refrigerator. Additionally, attic and exhaust fans, as well as ceiling fans, are covered for all parts, except light kits and remote transmitters. For other parts that are not covered, please refer to the table below.

Coverage Rating
3.9 / 5.0
800-220-5990 Visit website
The Fine Print
Item
Value
Comparison to Industry
Coverage effective after
30 days
Above industry average
Expand
1
24.86
30
31
Cancellation with refund within
30 days
Above industry average
Expand
3
28.15
30
60
Cancellation fee
$50.00
Above industry average
Expand
0.00
49.79
50.00
200.00
Automatic policy renewal
Yes
As 95% of industry
Expand
Time to cancel automatic renewal
30 days
Below industry average
Expand
1
31.25
30
60
Fee for contract transfer
$Unknown
n/a
Expand
Unknown data
Max time to submit claim
Unknown days
n/a
Expand
Unknown data
Repair timeframe
2 business days
At industry maximum
Expand
1
2
2
Repair timeframe (weekends and holidays)
Unknown days