Is First American Home Warranty a good home warranty?
First American offers some of the highest limits in the industry, but it is available in fewer states and costs more in many areas.
- Our score: 4.0/5 (Best for High Coverage Limits).
- Price: about $42-$172/mo (Starter to Premium, varies widely by location); service fee $100 or $125.
- Availability: 36 states.
- Coverage caps: Unlimited on HVAC, plumbing & electrical; appliances $3,500-$7,000.
- Stands out for: unlimited caps on HVAC, plumbing and electrical.
- Our top-rated provider is Liberty Home Guard (4.8/5), available in all 50 states and DC with fees from $65.
- Unlimited caps on HVAC, plumbing and electrical
- Covers some rust, sediment and corrosion failures
- Only 36 states
- Premium pricing in many ZIP codes
- Starter plan excludes AC, washer and dryer
- Only a 30-day repair guarantee
First American Home Warranty at a Glance
| First American Home Warranty | |
|---|---|
| Monthly cost | about $42-$172/mo (Starter to Premium, varies widely by location) |
| Service call fee | $100 or $125 |
| Coverage caps | Unlimited on HVAC, plumbing & electrical; appliances $3,500-$7,000 |
| Waiting period | Typically 30 days |
| Workmanship guarantee | 30-day repair guarantee |
| Add-ons | Pools, septic and more |
| Availability | 36 states |
| In business since | 1984 |
| Third-party ratings | Mixed across review sites |
First American Home Warranty Plans and Pricing
Prices vary by ZIP code, home size and the service fee you choose.
| Plan | What it covers | Price |
|---|---|---|
| Starter | Core systems and kitchen appliances (no AC, washer or dryer) | $42-$137/mo |
| Essential | Starter + AC, washer/dryer | $57-$152/mo |
| Premium | Highest limits, extras like rust/corrosion and code upgrades | $77-$172/mo |
How First American Compares to Our Top Pick
| First American Home Warranty | Liberty Home Guard (#1) | |
|---|---|---|
| Our score | 4.0/5 | 4.8/5 |
| Monthly cost | about $42-$172/mo | $44.99-$54.99/mo |
| Service fee | $100 or $125 | $65-$125 |
| Availability | 36 states | All 50 states + DC |
| Add-ons | Pools, septic and more | 40+ optional add-ons |
| Coverage caps | Unlimited on HVAC, plumbing & electrical; appliances $3,500-$7,000 | $2,000 per item for most systems & appliances |
Read the full Liberty Home Guard vs. First American Home Warranty comparison →
Frequently asked questions
How much does First American Home Warranty cost?
First American Home Warranty plans cost about $42-$172/mo (Starter to Premium, varies widely by location), with a service call fee of $100 or $125.
Where is First American Home Warranty available?
36 states.
What are First American Home Warranty's coverage limits?
Unlimited on HVAC, plumbing & electrical; appliances $3,500-$7,000.
Is First American Home Warranty better than Liberty Home Guard?
In our ratings, First American Home Warranty scores 4.0/5 versus 4.8/5 for Liberty Home Guard. Liberty is available in more states (all 50 + DC), offers more add-ons (40+) and has service fees starting at $65. See the full comparison.