Recommended

First American Home Warranty Review

Backed by First American Financial (NYSE: FAF). B+ BBB accredited since May 2000. Solid mid-tier option with institutional financial stability - best for Western US homeowners.

Overall Score

7.5

out of 10

BBB Rating

B+

Accredited since 2000

Parent

NYSE: FAF

First American Financial

States

~35

Western US focus

Monthly: ~$37-$65/mo Service fee: $100 or $125 HVAC cap: Verify directly - not confirmed BBB: B+ accredited since May 2000 Last verified: June 2026

HVAC Cap: Not Confirmed

I was unable to confirm First American's HVAC coverage cap from available research. An unverified number is worse than no number. Verify the HVAC cap directly at firstam.com or from the Schedule of Covered Items before purchasing if HVAC protection is your primary reason for buying.

Our Verdict

First American Home Warranty operates under First American Financial Corporation - NYSE: FAF. Title insurance, settlement services, data analytics. A real financial services company with real institutional weight behind the home warranty product.

The B+ BBB accreditation since May 2000 is a real credential. That's over 25 years of continuous accreditation, through multiple housing market cycles, without a major regulatory stumble.

The main limitation is geographic. First American concentrates in the Western US - roughly 35 states, with stronger contractor depth in California, Arizona, Nevada, and neighboring markets. If you're in the Southeast or upper Midwest, verify coverage depth directly.

Score Breakdown

Coverage

7.5

Value

7.5

Customer Service

7.5

Contract Terms

Transparency

Consistently solid scores across all categories. The unconfirmed HVAC cap is the primary caveat.

Pros & Cons

What Works

+ B+ BBB with accreditation since May 2000 - over 25 years of continuous accreditation
+ First American Financial (NYSE: FAF) parent - major financial services company
+ Starter plans around $37/month - lower entry price than most competitors
+ Available in approximately 35 states
+ No enforcement actions in research history - clean regulatory record
+ Deep real estate ecosystem integration via parent company title insurance

What Doesn't

− HVAC cap unconfirmed in research - verify directly before purchasing
− Western US focus means thinner coverage in other regions
− Not as well-known nationally as AHS or Choice
− Coverage caps need direct verification before committing

Plans & Pricing

Starter

~$37-$44/mo

Basic systems and appliances. Entry-level coverage.

Essential

~$47-$56/mo

More items, higher limits. Mid-tier.

Best Coverage

Premium

~$55-$65/mo

Full coverage. Best caps and most comprehensive item list.

Service fee: $100 or $125 per trade. The Starter plan's entry price is genuinely competitive - lower than AHS, Choice, and most major competitors.

Institutional Backing: NYSE: FAF

First American Financial Corporation (NYSE: FAF) is a major financial services company with SEC reporting obligations. It handles real estate title insurance and settlement services for millions of transactions annually.

The home warranty subsidiary benefits from that institutional compliance culture - major violations at the home warranty level would create SEC disclosure issues for the parent. That's a meaningful structural incentive toward good behavior that PE-backed or private companies don't have.

Public company

NYSE: FAF

BBB accreditation

Since May 2000

Enforcement actions

None found

Who It's Best For

Good Match

✓Western US homeowners who want institutional financial backing at competitive pricing - strong in CA, AZ, NV, OR
✓Real estate transaction buyers - deeply embedded in the real estate ecosystem through the parent company's title insurance business
✓Budget-conscious buyers who want a reputable company - the $37/month Starter tier is one of the most competitive entry prices in the market

May Not Be Ideal

✗Anyone who needs confirmed HVAC caps before deciding - I couldn't confirm it; verify directly before committing
✗Homeowners outside their ~35-state area - geographic coverage is a real limitation

Contract Terms

Waiting Period	30 days standard
Service Fee	$100 or $125 per trade
Cancellation	Pro-rated refund after 30 days minus claims paid
Auto-Renewal	Yes, annual
Arbitration	Yes - standard
HVAC Cap	Unconfirmed - verify directly at firstam.com before purchasing

Frequently Asked Questions

Who owns First American Home Warranty?

First American Financial Corporation, NYSE: FAF. A major financial services company focused on real estate title insurance, settlement services, and data analytics.

What is First American's BBB rating?

B+ with accreditation since May 2000.

How many states does First American serve?

Approximately 35 states, with a Western US concentration. Verify availability at firstam.com.

What are First American's plan prices?

Roughly $37-$65/month depending on plan tier and location. Starter is the entry level, Premium is the flagship.

What is the HVAC coverage cap?

I was unable to confirm this figure from available sources. Verify directly with First American before purchasing if HVAC coverage is your primary concern.

Alternatives to Consider

Old Republic Home Protection

If you're in the Western US and Old Republic also serves your area - A+ BBB, confirmed $6,500 HVAC cap, NYSE-listed.

8.5

AFC Home Club

No HVAC cap, 47 states. Better for HVAC-primary buyers regardless of geography.

8.2

Liberty Home Guard

50-state availability, 4.7 Trustpilot, broader add-on catalog. Best for service quality track record.

8.0

Compare First American Against All 15 Providers

See how First American stacks up across coverage, price, BBB ratings, and institutional backing.

View All Reviews

Last verified June 2026. HVAC cap unconfirmed - verify directly at firstam.com. BBB data from bbb.org.