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Home / Home & kitchen / Home Warranty / First American Home Warranty
8.0 Tested Aug 22, 2026 by Team RankingRight

First American Home Warranty (Premier) review 2026

Backed by a large title-insurance group, with unusually generous appliance caps and no limit on the age of the items it will cover

First American First American Home Warranty
Brand mark of homewarranty.firstam.com, used to identify the product; the trademark remains its owner's.
PriceFrom $47 · checked Sep 11, 2026
Annual cost at 2 claims1070 $
HVAC cap3500 $

Is the First American Home Warranty Worth It?

Best appliance caps. If the risk you are covering is a kitchen full of ageing appliances rather than the furnace, First American pays out further than anyone. Check it is sold in your state before reading further.

First American Home Warranty Pros & Cons

Pros
  • $7,000 appliance cap on Premier, comfortably the highest here
  • No age limit on covered items, which suits an older kitchen
  • Backed by First American Financial, a long-established public company
  • First Class Upgrade covers code and disposal costs others exclude
Cons
  • Sold in only 36 states
  • $1,070 a year at two claims
  • No choice of contractor

First American Home Warranty at a Glance

8.0 Editor Score
What is actually coveredWhich systems and appliances the contract names, the per-item and aggregate caps, and the exclusions we found by reading the sample contract rather than the brochure.
25/30
Claims experiencePublished response times, who chooses the contractor, complaint volume in state filings and Better Business Bureau records, and what happens when a claim is denied.
19/25
Total annual costPlan premium plus the service call fee at the number of claims a typical household makes, not the headline monthly price.
14/20
Terms & flexibilityWaiting period, cancellation rights, whether you can pick your own contractor, and coverage caps on the expensive items.
13/15
Add-ons & availabilityOptional cover for pools, septic, wells and second refrigerators, and which states the plan is sold in.
9/10
Reader ratingNo reader ratings yet — not part of the score
–

Rubric v1: What is actually covered 30 · Claims experience 25 · Total annual cost 20 · Terms & flexibility 15 · Add-ons & availability 10. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

First American — $47

Best priceVisit Site

First American Home Warranty specifications

Plan75 USD/mo
Service call fee85 USD
Annual cost at 2 claims1070 USD
Annual payout cap$7,000 appliances (Premier)
HVAC cap3500 USD
Waiting period30 days
Choose your own contractorNo
Inspection required?No inspection required
States36

Why it scored 8

If the risk you are covering is a kitchen full of ageing appliances rather than the furnace, First American pays out further than anyone. Check it is sold in your state before reading further.

Where it loses

State coverage.

Still the right pick for

Older kitchens in the 36 states served.

What owners say

No reader ratings yet. This block fills in from real submissions only — we never write, buy or generate reader reviews, and none of them touch the editor score.

Changelog: Sep 11 — rank 3 → 4 · all changes

First American Home Warranty8.0 · $47
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