First American Home Warranty Reviews
A real-estate favorite backed by First American Financial, with high appliance limits and generous HVAC terms
Last updated: Oct 12, 2026
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The bottom line
First American Home Warranty is a solid, established choice with high limits on its top plan, strong HVAC terms and one of the better Trustpilot records in the industry. It ranks fourth mainly because it isn't available in many states and its plan details vary by location.
If you live in a state it serves - especially if you're buying or selling a home - it deserves a quote.
First American Home Warranty is part of First American Financial, the title and settlement company, and is one of the most common warranties offered at real estate closings. It also sells directly to homeowners.
2026 sources describe three tiers - Starter, Essential and Premium - with Premium raising appliance limits and its contracts noting generous HVAC terms. This review covers what First American offers, what it costs and who it suits.
Is First American Home Warranty legit?
Yes - First American Home Warranty is part of First American Financial, a long-established, publicly traded title and settlement company, and is widely sold through real estate agents. It is available in fewer states than some competitors, so check your address first.
- Backed by First American Financial
- Strong real estate channel
- Large Trustpilot review volume
- Rated 4.0/5 across 19,270 Trustpilot reviews
“Legitimate” here means a real, operating home warranty company - not a guarantee that any claim will be approved. Coverage depends on your contract. Always confirm current terms and availability with the company.
Key Features
- Tiered plans (Starter, Essential, Premium per 2026 sources)
- Appliance limits of $3,500 (lower tiers) to $7,000 (Premium), reported
- Contracts note no dollar limit on AC refrigerant
- Choose a $75, $100 or $125 service fee
- Real estate plans for buyers and sellers
- 4.0 on Trustpilot across roughly 19,000 reviews
Plans & Coverage
- Starter - core coverage (check current plan names on the site)
- Essential - adds air conditioning, washer/dryer, water heater and garage door opener
- Premium - higher appliance limits
- Add-ons - pool/spa, well pump, septic and more
Pricing
Approximate only. Reported prices range from about $37 to $142 a month depending on plan and state, with typical averages in the $50-$90 range.
You choose a $75, $100 or $125 service fee - a higher fee lowers the premium. Real estate plans are priced separately.
Get a quote for your address to confirm.
How First American Home Warranty Works
- 1Step 1
Check your state and plan
Confirm First American serves your state and compare the tiers available there.
- 2Step 2
Pick a service fee
Choose $75, $100 or $125 to balance premium against per-visit cost.
- 3Step 3
Request service
File online or by phone; First American dispatches a contractor from its network.
Pros
- High appliance limits on the top plan
- Generous HVAC terms
- Strong Trustpilot record
- Flexible service fee choice
Cons
- Available in only about 35-37 states plus D.C.
- Plan names and details vary by state and over time
- Low BBB customer review average
- Repair delays while waiting for parts are a common complaint
Interested in First American Home Warranty?
Visit their site to see plans and pricing for your address.
Visit First American Home WarrantyWho It's Best For
- Home buyers and sellers whose agent offers it
- Homeowners in served states who want high limits
- Anyone prioritizing HVAC coverage
Final Verdict
First American Home Warranty is a solid, established choice with high limits on its top plan, strong HVAC terms and one of the better Trustpilot records in the industry. It ranks fourth mainly because it isn't available in many states and its plan details vary by location.
If you live in a state it serves - especially if you're buying or selling a home - it deserves a quote.
First American Home Warranty Review: FAQs
Is First American Home Warranty legit?
Yes - First American Home Warranty is part of First American Financial, a long-established, publicly traded title and settlement company, and is widely sold through real estate agents. It is available in fewer states than some competitors, so check your address first.
How much does First American Home Warranty cost?
Approximate only. Reported prices range from about $37 to $142 a month depending on plan and state, with typical averages in the $50-$90 range. You choose a $75, $100 or $125 service fee - a higher fee lowers the premium. Real estate plans are priced separately. Get a quote for your address to confirm.
What plans does First American Home Warranty offer?
First American Home Warranty offers Starter - core coverage (check current plan names on the site), Essential - adds air conditioning, washer/dryer, water heater and garage door opener, Premium - higher appliance limits, Add-ons - pool/spa, well pump, septic and more.
Who is First American Home Warranty best for?
First American Home Warranty is best for Home buyers and sellers whose agent offers it; Homeowners in served states who want high limits; Anyone prioritizing HVAC coverage.
Is First American Home Warranty worth it?
First American Home Warranty is a solid, established choice with high limits on its top plan, strong HVAC terms and one of the better Trustpilot records in the industry. It ranks fourth mainly because it isn't available in many states and its plan details vary by location. If you live in a state it serves - especially if you're buying or selling a home - it deserves a quote.
How much does First American Home Warranty cost?
Reported prices range from roughly $40 to $140 a month depending on plan and state, with service fee options of about $75, $100 or $125. A higher service fee lowers the premium. Get a quote for your address to confirm.
Which states does First American serve?
First American sells plans in roughly 35-37 states plus Washington, D.C.; states reported as not served include Alaska, Connecticut, Delaware, Hawaii and Louisiana. Check the state selector on First American's site.
Related
Sources & methodology
We built this review of First American Home Warranty from the provider's own published pricing, plans and sample contracts, cross-checked against regulator and public-record sources, and read alongside real customer feedback. Prices and plan details were verified against the provider's published information; we do not take providers' word for their own claims without checking.
Provider information
Pricing, plans, caps and contract terms, checked against each provider's own site.
- First American Home Warranty - pricing, plans & policies as published on its own site
Provider data checked October 2026
Customer & community feedback
Third-party signals shown on this page and in our full reviews: Trustpilot ratings and Better Business Bureau records, as captured on the dates we note. We report what these sources say - we never fold their ratings into our own scores.
Regulatory & public-record references
- 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
- 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
- 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
- 4.American Home Shield plans - American Home Shield
- 5.Choice Home Warranty user agreement - Choice Home Warranty
- 6.Select Home Warranty terms and conditions - Select Home Warranty
- 7.The Home Service Club pricing and plans - The Home Service Club
Last reviewed October 2026. We revisit comparisons when providers change their pricing or policies. This page is information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.