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How Much Does First American Home Warranty Cost?

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Key Takeaways
Monthly cost ranges between $45 and $65.
Annual cost ranges from $400 to $1,000.
Service visit fees fall between $75 to $125.
Coverage includes appliances and systems with coverage limits.
Flexible payment options and upgrades available.

$45 – $65 Average Monthly Cost

The monthly cost for First American Home Warranty plans typically ranges between $45 and $65. The exact cost may vary based on factors such as the specific plan chosen, optional add-ons, and location.

$400 – $1,000 Average Annual Cost

On an annual basis, First American Home Warranty plans cost between $400 and $1,000. This annual expenditure can provide peace of mind by covering unexpected repair costs for various home systems and appliances.

$75 – $125 Average Service Visit Fee

In addition to the monthly or annual cost, there is a service visit fee each time a technician comes to diagnose or repair a problem. This fee ranges from $75 to $125, depending on your plan and service request specifics.

First American Home Warranty Cost

First American Home Warranty Plan Prices

Plan LevelAverage Annual Cost*Coverage Details
Starter$400 – $720Covers dishwasher, refrigerator, oven, cooktop, built-in microwave, plumbing, electrical, and heating systems.
Essential$600 – $900Includes everything in the Starter plan, plus clothes washer, dryer, water heater, garage door opener, and air conditioning.
Premium$780 – $1,000Covers all from above plans, plus luxury appliances, garbage disposal, full garage door system, hot water dispenser, and more.

First American Home Warranty Service Fee

The service fee for First American Home Warranty service visits ranges from $75 to $125. This fee is charged each time a service technician visits to diagnose or repair a covered item. The amount may vary based on the chosen plan or specific service needs.

What Does First American Home Warranty Cover?

First American Home Warranty Plans & Coverage Details

Plan LevelAverage Monthly Cost*Coverage Details
Starter$35 – $60Covers plumbing system, electrical, heating systems, dishwasher, refrigerator, oven, cooktop, and built-in microwave oven.
Essential$50 – $75Includes everything in Starter plus clothes washer, dryer, water heater, air conditioning, and garage door opener.
Premium$65 – $85Includes everything in Starter and Essential, plus luxury appliance coverage, garbage disposal, full garage door system, faucets, hot water dispenser, and other enhancements.
Optional Add-ons$2 – $20 eachAdditional refrigeration, Central AC (Starter add-on), HVAC tune-up (2/year), roof leak, pool/spa equipment, septic system, water softener, well pump, and more.

First American Home Warranty Upgrades

First American Home Warranty plans offer several upgrade options to enhance your coverage. These optional add-ons can include additional appliances, extra systems, and special services like an HVAC tune-up or coverage for a pool and spa equipment. The cost for these upgrades ranges from $2 to $20 each, depending on the specific addition.

First American Home Warranty Coverage Limits

First American Home Warranty Coverage Caps

Covered Item or System*Coverage Limit*
Limited Roof Leak$1,000
Kitchen Appliances$3,500 per appliance (Starter & Essential) / $7,000 per appliance (Premium)
Additional Refrigerator$1,000
Steam, Heated Water, Glycol Heating$1,500
HVAC / Heating & Cooling$3,000
Concrete Encased Items, Septic System, Sewage Ejector Pump, Ornamental Fountain, Water Softener/RO Filtration System$500 per category
Outdoor Kitchen Components$1,000
Well Pump$1,500

First American Warranty Exclusions

First American Home Warranty plans do come with exclusions. For instance, pre-existing conditions, items under manufacturer warranty, and repairs due to lack of maintenance are typically not covered. Always ensure to read the contract thoroughly and understand what is included and excluded.

First American Home Warranty Pros & Cons

First American Home Warranty Pros & Cons

Higher than average appliance coverage limitsNot available in all 50 states
Only one service call fee per claimNo systems-only or appliance-only plans
Flexible payment optionsNo AC coverage in the Starter plan

First American Home Warranty Reviews

Customer reviews can be an invaluable resource in evaluating any service. First American Home Warranty generally receives mixed reviews, with some clients praising the quick response to service requests and comprehensive coverage, while others note delays in claim processing and dissatisfaction with certain exclusions.

First American Home Warranty vs. Other Companies

First American Home Warranty vs. Other Companies

CompanyAverage Monthly Cost*Average Service Fee Per Visit*
First American Home Warranty$45 – $65$75 – $125
American Home Shield Cost$40 – $90$75 – $125
America’s 1st Choice Home Club (AFC)$45 – $65$75 – $125
Choice Home Warranty Cost$45 – $55$65 – $100
Cinch Home Services$35 – $65$100 – $150
Home Warranty of America (HWA)$45 – $60$75 – $100
Liberty Home Guard$50 – $85$75 – $125
Select Home Warranty Cost$40 – $65$75 – $100

FAQs About First American Home Warranty

How Does First American Home Warranty Work?

When a covered item breaks down, you can request service online or by phone. A licensed, approved technician will visit your home to diagnose and repair the issue. The service fee is paid at the time of the visit.

How Long Does a First American Home Warranty Last?

Most First American Home Warranty plans are annual, lasting 12 months from the date of purchase. Renewals are available, and often, there may be discounts for extending the coverage beyond the initial year.

How Do I Cancel My First American Home Warranty Policy?

To cancel your policy, you’ll need to contact First American Home Warranty’s customer service department. Cancellation terms and any potential refunds will depend on how long you’ve had the policy and the specific terms laid out in your contract.

Do I Need a Home Warranty if I Have Homeowners Insurance?

Yes, homeowners insurance and home warranties serve different purposes. Homeowners insurance typically covers structural damage and loss due to events like fires or natural disasters, whereas a home warranty covers the repair or replacement of home systems and appliances due to normal wear and tear.

Getting Quotes from First American Home Warranty

Questions to Ask

When getting quotes, there are several important questions to consider:

  1. What specific items and systems are covered under each plan?
  2. What are the service fee options, and how do they affect the monthly or annual cost?
  3. Are there any add-ons that suit your particular home needs?
  4. What are the contract terms, including any potential exclusions or limitations?
  5. How does the claims process work, and what is the average response time?

By considering these questions and understanding the costs and coverage details, you can make an informed decision about whether First American Home Warranty is the right choice for your home.

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