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First American Home Warranty Guide

Get the lowdown on First American Home Warranty, including what each plan covers and how much a warranty costs.

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PROS

A First American Home Warranty plan can save you thousands of dollars every year because the plans cover repairs and the replacement costs of items that aren’t suitable for repairs. All technicians in the company’s network go through rigorous screening before they can work in the field.

CONS

It can take weeks and up to a full month after filing a claim to get a tech sent out. When you call about a claim, the company may claim that it doesn’t cover some appliances or areas of your home.

BOTTOM LINE

Though it can take some time to get a response, First American Home Warranty offers convenient payment plans that fit your budget. You’ll find an extensive network of technicians and contractors who can help with your problems.

What is the First American Home Warranty?

First American Home Warranty is a company in California that offers warranty plans for those who recently bought a home. It also has plans suitable for those who never purchased a home warranty before. The average appliance repair can easily cost $300 to $500 or more, but your warranty will cover the repairs that you need. If the tech determines that they cannot repair your item, the warranty will cover the full replacement value. With two plans to choose from and prices that start at less than $1 per day, First American Home Warranty is highly affordable.

Features and Services

Before signing up for a First American Home Warranty, you can enter your zip code and instantly see if coverage is available in your area. It’s worth noting that the company has its headquarters in California and does not offer service in 15 states. This is due to the network of contractors that it hires to handle claims from customers. That network is one of the largest around and includes only licensed technicians who completed the company’s screening process. You can trust anyone who comes to your home.

Once you select a plan, you’ll receive full coverage on your appliances that cover both repair expenses and replacement costs. The tech who comes to your home will examine the appliance and let you know if a fix is possible. With repairs, you usually need to wait a few days for the new parts to arrive. The tech may have those parts available and can repair faster. When the appliance needs replaced, First American Home Warranty will cover the cost of a new item. Though it attempts to find the same appliance, it may replace it with one of an equal value. You also have the option of setting up an online account to avoid the hassles of phone calls. In just a few minutes, you can explain your issues and request a service appointment. First American Home Warranty will contact you with the name of your tech and the date of your appointment.

Plans and Coverage

When you sign up with First American Home Warranty, you have the choice between two different plans: Basic and Premier. The Basic Plan is – as the name implies – a basic option that only covers a handful of appliances. Your washer, dryer, refrigerator, cooktop, oven/range, dishwasher, garbage disposal, trash compactor and microwave are appliances covered under the warranty. It lets you seek help with a small microwave that you bought for the home and a built-in one that came with the home. This plan does not cover anything else.

More than 90% of the company’s customers choose the Premier Plan. While it covers all the appliances that the Basic Plan does, it also covers other appliances, including your water heater, central vacuum system and garage door opener. This is the most popular plan because it also includes coverage for your home’s electrical and plumbing systems. If you have an issue with your heating system or ductwork, you can also get help from First American Home Warranty.

Both plans include some optional upgrades that you can add for a small fee such as coverage for your HVAC system. It can cost more than $3,000 to replace the system and more than $900 to make some minor repairs. The optional upgrade covers all parts of the system, including the cooler and thermostat as well as the lines. You can add coverage for a spa or pool and well pump too, which is a feature usually found on holder homes in rural areas.

First American Home Warranty now offers a First Class Upgrade that comes in handy if you plan on doing work to your home. Not only does it pay the first $250 towards any permits that you need, but it will pay the same amount towards any fines that you receive for having the wrong permits. This upgrade will also cover the cost of removing items from your home such as an old appliance that you need to throw away after replacing it.

Who is This For?

First American Home Warranty offers the best warranty plans for those who don’t mind waiting for a repair and don’t have a time frame in mind. One of the biggest complaints about this warranty plan is that it takes too long to get an appointment. Depending on where you live, you might find that it takes two weeks to get an appointment and up to a full month or longer. This is due to the lack of screened techs in your area. It’s also a good choice for anyone who wants a basic plan that doesn’t cost a lot of money. You have the option of changing your plan or adding upgrades later if you want.

How it Works

It takes just a few steps to file a claim with First American Home Warranty. You must first have a plan through the company that is in good standing. It will not cover repairs or replacements if you are behind on your account. As soon as a problem occurs, you can call First American Home Warranty and speak to a service rep. You also have the option of filing a claim online if you have an account with the website. The rep will take down your information and contact a service provider. That contractor will then contact you and arrange a time to come to your home. Keep in mind that it can take several weeks to get an appointment depending on your area. The provider will both diagnose the problem and decide if it’s something they can fix. This means that you’ll either get a replacement or see your item repaired.

Pricing

The price that First American Home Warranty charges you will depend on the plan that you choose and any upgrades that you add. Those who opt for the Basic Plan pay $25 a month, which comes to less than $1 per day. When you select the Premier Plan, you pay $39.50 per month. Adding the First Class Upgrade to your package will cost an extra $9 per month. You’ll also pay $7 to $9 per month to cover your well pump or HVAC system. If you need coverage for a spa or pool equipment, you’ll pay the base rate for your plan and another $15 each month. With multiple payment plans available, you have the option of paying each month or for a year of service upfront.

Warranty Claims

One of the easiest ways to file a claim is online because you don’t need to speak to someone or wait on hold. You must first sign up for an online account that includes your warranty number and other information. When you file over the phone, you need to have your account number handy. The company usually requires that the person calling be the same person listed on the paperwork. You’ll need to explain the reasons for your call and what you need fixed or replaced. If you file a warranty claim online, you will generally get a response faster.

Final Verdict

Though not quite as strong as some of the other home warranty companies that are around today, First American Home Warranty is still a good choice for some. With the Basic Plan, you get coverage for most of the appliances that you have without spending more than $30 a month. The Premier Plan covers more appliances but doesn’t add much to the total cost. You can also choose from a range of upgrades to cover your pool or well pump on top of your HVAC system. For basic coverage that won’t break the bank, First American Home Warranty is a good choice.