Backed by a Fortune 500 parent company since 1984, First American offers uncapped coverage on several systems — but plan availability and pricing vary more than most competitors.

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First American Home Warranty (FAHW) has one advantage most competitors in this category can’t claim: it’s a subsidiary of First American Financial Corporation. A Fortune 500 company with decades of financial stability behind it, and FAHW itself has been operating since 1984 — more than 40 years. That pedigree shows up in genuinely strong coverage limits on several major systems, though it comes with a plan structure and pricing that’s reported inconsistently across review sources, which is worth flagging directly rather than glossing over.

Quick Facts

Founded	1984
Parent company	First American Financial Corporation (Fortune 500)
Customers	590,000+
Availability	Reported around 36 states — confirm for your specific state
Plans	Starter, Essential, Premium (three tiers, each broader than the last)
Monthly premium	Reported roughly $40 – $87 depending on plan and source
Service fee	Reported roughly $75 – $125 depending on source
Appliance coverage cap	$3,500/item (Starter, Essential); $7,000/item (Premium)
HVAC/electrical/plumbing caps	Reported as largely uncapped by several sources, though at least one review cites a $1,500 heating cap — confirm your specific contract
Roof leak coverage	$1,000/contract term, included in Premium or available as an add-on
BBB rating	Reported inconsistently across sources, ranging from B to A-
Trustpilot	Around 4/5 (“Great”), generally positive

Plans Explained

Starter Plan

Covers plumbing, electrical, and heating systems, plus dishwashers, refrigerators, garbage disposals, ovens, cooktops, and built-in microwaves. Notably excludes air conditioning, water heaters, and laundry appliances — a meaningful gap if you’re comparing this to competitors’ entry-level plans that include AC by default.

Essential Plan

Expands appliance coverage to 11 items, adding washers, dryers, and trash compactors, and broadens systems coverage to include water heaters, air conditioning, ceiling/exhaust fans, and garage door openers. Water heater coverage is specifically capped at $1,000.

Premium Plan

The most comprehensive tier, adding coverage for luxury and high-end appliances, a full garage door system, faucets, and an instant hot water dispenser, with appliance coverage limits rising to $7,000 per item — among the higher appliance caps in the industry. Roof leak coverage (tar/gravel, shingle, tile, or composition roofs in watertight condition at enrollment) is typically included at this tier, capped at $1,000 per contract term.

Coverage Caps: A Genuine Strength, With One Caveat

Several independent reviews highlight that First American doesn’t apply a hard dollar cap to a number of its covered systems — including HVAC, electrical, and plumbing outside of water heaters — which stands out against competitors that cap HVAC at $1,500–$5,000. If accurate for your specific plan and state, this would make FAHW one of the stronger options available for homeowners specifically worried about a major, expensive system failure.

That said, at least one independent review reports a $1,500 cap on heating system coverage specifically, which directly contradicts the “uncapped” framing found elsewhere. This kind of discrepancy between sources is exactly why coverage caps are worth confirming directly in your actual contract before assuming a specific number applies — plan details can also vary by state, and older review data may not reflect current contract terms.

Pricing: Wide Range Reported

Pricing for FAHW is reported inconsistently across sources — one review cites a Starter plan around $39.99/month with Premium reaching roughly $86.58/month, while another cites a simpler two-tier structure from about $42 to $58/month.

This spread is wider than what we typically see for other major providers in this comparison set, which may reflect genuine state-by-state pricing variation, different plan-year data, or differences in how each review site collected quotes. Service fees are similarly reported inconsistently, ranging from as low as $75 to as high as $125 depending on the source.

Get a live quote for your specific address before assuming any of these figures apply directly to you — this is one provider where published averages diverge more than usual.

Reputation: Generally Positive, With the Usual Caveats

FAHW holds a Trustpilot rating of roughly 4 out of 5 (“Great”), with customers frequently reporting successful, sizable claims on HVAC systems, sump pumps, and garage doors. BBB ratings reported across sources range from B up to A-, a wider spread than most competitors in this review set, alongside a meaningful volume of BBB complaints centered on claim delays and denials — a pattern consistent with the rest of the industry. Some reviewers specifically praise FAHW for not applying a hard cap on the number of claims filed, meaning repeat issues with the same system generally don’t get shut down after one or two uses the way some competitors’ contracts allow.

FAHW also offers member discounts through partners like Porch and Helpful Heroes for services such as light fixture installation and TV mounting, plus manufacturer discounts on brands like Electrolux, Frigidaire, and GE — a modest but genuine value-add not offered by most competitors.

Pros and Cons

Pros	Cons
Backed by a Fortune 500 parent company with a long operating history	Not available nationwide — confirm coverage in your state
High $7,000/item appliance cap on the Premium plan	Pricing and coverage cap figures vary unusually widely across review sources
Several systems reported as uncapped (HVAC, electrical, plumbing)	Starter plan excludes AC, water heaters, and laundry appliances entirely
No hard limit on number of claims for the same issue	Only a 30-day workmanship guarantee per some sources — shorter than several competitors
Member discounts on home services and appliance brands	BBB rating reported inconsistently (B to A-) — verify current standing

Who First American Home Warranty Is Best For

• Homeowners in a state where FAHW operates who want the financial backing of a large, established parent company
• Buyers specifically worried about appliance replacement costs, given the high $7,000/item Premium cap
• Anyone who wants a provider without a hard cap on the number of claims for a recurring issue

Who Should Consider a Different Provider

• Homeowners outside FAHW’s roughly 36-state footprint — check availability before comparing further
• Anyone who wants AC coverage in an entry-level plan, since FAHW’s Starter tier excludes it
• Buyers who want consistent, verifiable pricing data upfront rather than a wider-than-usual reported range across review sources

The Verdict

First American Home Warranty’s biggest asset is what’s behind it: a 40+ year operating history and a Fortune 500 parent company, paired with genuinely competitive (and in some reports, uncapped) coverage on major systems. The tradeoffs are a more limited state footprint than nationwide competitors like American Home Shield, an entry-level plan that excludes AC, and — notably — pricing and coverage-cap figures that vary more across independent review sources than almost any other provider in this comparison set. That inconsistency isn’t necessarily a red flag about the company itself, but it does mean a live, personalized quote matters more here than it does with most competitors.

Frequently Asked Questions

Is First American Home Warranty available in my state? Reported availability sits around 36 states, which is narrower than nationwide providers like American Home Shield — confirm directly on First American’s site for your specific address.

Does First American’s Starter Plan cover air conditioning? No. AC coverage begins with the Essential Plan; the Starter Plan covers plumbing, electrical, and heating systems along with a handful of kitchen appliances, but not AC, water heaters, or laundry appliances.

Is First American Home Warranty’s HVAC coverage really uncapped? Several sources report HVAC, electrical, and plumbing (outside water heaters) as largely uncapped, but at least one independent review cites a $1,500 heating cap specifically — this is a case where confirming your actual contract terms matters more than relying on any single published source, including this one.

Who owns First American Home Warranty? It’s a subsidiary of First American Financial Corporation, a Fortune 500 company, which is part of why it’s often cited as having stronger financial backing than several smaller competitors.

What’s First American’s BBB rating? Reported inconsistently across sources, ranging from B to A- depending on when and where the rating was pulled — check the current live BBB listing directly before relying on any specific letter grade.

How long is First American’s workmanship guarantee? Reported at 30 days by at least one source — shorter than Cinch’s 180 days or Liberty Home Guard’s up to 365 days on select items, worth factoring in if a longer guarantee matters to you.

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Related reading: Best Home Warranty Companies of 2026 (Ranked & Reviewed) · American Home Shield vs Choice Home Warranty: Which Is Better? · What Is a Home Warranty and How Does It Work?

Information in this review reflects publicly available pricing, coverage, and reputation data as of mid-2026, drawn from multiple third-party review sources that report some figures inconsistently. All figures are subject to change — always verify current pricing, coverage terms, state availability, and company standing directly with First American Home Warranty before purchasing a plan.