First American Home Warranty Review

High payout caps and the category's best Trustpilot score, from a Fortune 500 parent. Independent First American Home Warranty review: 4.1/5 for home.

About First American Home Warranty

High payout caps and the category's best Trustpilot score, from a Fortune 500 parent. First American Home Warranty is offered by First American Home Warranty Corp. (NYSE: FAF subsidiary) and currently holds an average rating of 4.1 out of 5 across 17,276 user reviews. It falls into the Home Warranty category and tends to be the strongest fit for homeowners who want the highest system payout ceilings.

Editorial grade: B+ (composite score 79/100).

Highlights

No stated per-repair cap on most systems including HVAC; appliances capped $3,500-$7,000 by tier
Service fees of $75, $100, or $125; pick lower fees for a higher premium
4.1/5 on Trustpilot across 17,000+ reviews, unusually strong for this category

What we like

40+ years operating under First American Financial (Fortune 500)
High or uncapped system payouts on the Premium tier
No annual claim-count limit

Where it falls short

Not sold in 14 states + DC
Starter plan excludes A/C (upgrade or add-on required)
BBB customer-review score is weak (~2/5), typical of the category

Fees, minimums, and rates

Monthly fee: From $35/month (varies by tier and zip). Minimum to open: $75-$125 service call fee. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.

How we reviewed it

For this review of First American Home Warranty, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Home Warranty shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.