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First American Home Warranty Reviews: Coverage, Costs & Our Verdict
By Ben Carter
8.2
Consumers Best Verdict: First American Home Warranty Highlights
First American Home Warranty offers protection for essential home systems and appliances, aiming to shield homeowners from unexpected repair costs. They provide various plans covering items like HVAC, plumbing, electrical systems, and major kitchen appliances, with options for additional coverage.
First American Home Warranty presents a solid option for homeowners seeking budget predictability for repairs, especially those with older homes. While no warranty is without limitations, its established presence and range of coverage make it a contender worth considering.
In-Depth Look: First American Home Warranty Features & Considerations
Core Features & Consumer Benefits
First American Home Warranty provides peace of mind by covering the repair or replacement of crucial home systems and appliances. Understanding its core offerings helps in assessing its value.
Comprehensive Coverage Options
Multiple plans allow homeowners to choose the level of protection that best suits their needs and budget, from basic appliance coverage to more extensive system protection.
Budget Protection
Helps manage unforeseen repair expenses by converting potentially large, unexpected bills into predictable monthly premiums and a set service call fee.
Access to Vetted Technicians
Utilizes a network of pre-screened service professionals, saving homeowners the hassle of finding reliable contractors.
24/7 Claims Service
Offers round-the-clock claim filing online or by phone, ensuring assistance is available whenever an issue arises.
Optional Add-on Coverage
Provides flexibility to cover additional items not included in standard plans, such as pools, spas, or secondary refrigerators.
Important Considerations & Potential Downsides
- Service Call Fees
A per-incident service fee is charged each time a technician visits, which can add up if multiple issues occur.
- Coverage Limitations & Exclusions
All plans have specific limitations, exclusions (e.g., pre-existing conditions, cosmetic damage), and coverage caps that consumers must understand.
- Contractor Choice
Homeowners typically cannot choose their own contractor; they must use one from First American's network, which may not always align with personal preferences.
- Claim Denials & Disputes
Like all warranty companies, there can be instances of claim denials or disagreements over coverage, requiring careful review of the contract terms.
Who Is the First American Home Warranty Best For?
New Homeowners
Those who want to mitigate the risk of unexpected repair costs shortly after a major home purchase.
Owners of Older Homes
Homes with aging systems and appliances are more prone to breakdowns, making a warranty potentially more valuable.
Budget-Conscious Individuals
People who prefer predictable monthly expenses over potentially large, lump-sum repair bills.
Landlords and Property Investors
Helps manage repair costs and provides a selling point for rental properties.
Busy Homeowners
Individuals who appreciate the convenience of having a pre-vetted network of service technicians handle repairs.
Who Might Want to Explore Other Options?
- DIY Enthusiasts
Individuals comfortable and capable of handling most home repairs themselves may find less value.
- Homeowners with New Appliances/Systems
If major items are still under manufacturer warranties, a home warranty might be redundant for those specific items.
- Those with Significant Emergency Funds
If you have a robust savings account specifically for home repairs, self-insuring might be preferred.
- Individuals Who Prefer Choosing Their Own Contractors
If having control over who services your home is a top priority, the network model might be a drawback.
