First American Home Warranty Review

High payout caps and a 4.1 Trustpilot score, from a Fortune 500 parent. Independent First American Home Warranty review: 4/5 for home warranty.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

From $35 a month plus a $75 to $125 service fee, First American suits homeowners who want high system payouts, with no stated per-repair cap on most systems, HVAC included. Those ceilings earn the grade. It isn't sold in 14 states plus DC, and the Starter plan excludes A/C, so check your state and tier before the price.

Skip it if you live in one of the 14 states or DC where it isn't sold, or want A/C on the Starter plan.

About First American Home Warranty

High payout caps and a 4.1 Trustpilot score, from a Fortune 500 parent. First American Home Warranty is offered by First American Home Warranty Corp. (NYSE: FAF subsidiary). Our editorial rating is 4 out of 5.

Best 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 fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with First American Home Warranty Corp. (NYSE: FAF subsidiary). It is built from First American Home Warranty Corp. (NYSE: FAF subsidiary)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Home Warranty shortlist. The rubric is the same for every brand.

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Read our full editorial methodology for how we review products.