Molly Ayala
First American Home Warranty is one of the top home warranty providers in the industry. The company offers three comprehensive plans: Starter, Essential, and Premium. The Starter plan covers basic electrical systems, while the Essential plan expands coverage to include clothes washers and dryers. The Premium plan offers the highest coverage limit for electrical systems, with no maximum dollar limit on the repair or replacement of covered items during the contract term. First American Home Warranty also provides add-ons for budget-friendly options like HVAC tune-ups and higher-cost coverage for pool and spa equipment. The company has received positive reviews for its high coverage limits, affordable pricing, and flexibility, but it is important to note that its services are limited to 36 states.
| Characteristics | Values |
|---|---|
| Number of plans offered | 3 |
| Plan names | Starter, Essential, Premium |
| Average monthly price | $51.24 to $86.03 |
| Items covered | Electrical systems, plumbing, HVAC, appliances |
| Coverage limit | No limit on certain repairs; $3,500 per appliance for Starter and Essential plans, $7,000 for Premium plan |
| Service fees | $100 to $125 |
| Add-ons | Yes, starting at $2.08 for HVAC tune-ups |
| Discounts | Yes, for military, multiproperty, referrals, and AARP members |
| Coverage area | 36 states |
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What You'll Learn
First American Home Warranty's Starter plan
First American Home Warranty offers three plans with average prices ranging between $42 and $86.03 per month. The Starter plan is the most basic combination plan, covering plumbing, electrical, and heating systems, as well as appliances such as dishwashers, refrigerators, ovens, and built-in microwaves.
The Starter plan covers eight major appliances and four key systems. The covered appliances include dishwashers, refrigerators, ovens, range hoods, built-in microwaves, and cooktops. The four key systems covered are plumbing, including stoppages, toilets, and garbage disposals; basic electrical systems; heating systems, including ductwork; and HVAC systems. The plan provides up to $3,500 for appliance coverage with no limits on systems.
The Starter plan does not include coverage for air conditioning, clothes washers, clothes dryers, water heaters, or garage door openers. If you require coverage for these items, you would need to upgrade to a higher-tier plan, such as the Essential or Premium plan offered by First American Home Warranty.
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Essential and Premium plans
First American Home Warranty offers three plans: Starter, Essential, and Premium. The Essential and Premium plans cover electrical systems.
The Essential Plan covers 11 appliances, including those covered by the Starter Plan, and adds coverage for air conditioning, clothes washers, clothes dryers, and trash compactors. The average monthly price of the Essential Plan is $66.11.
The Premium Plan covers everything from the Essential Plan and adds coverage for luxury appliances, the full garage door system, faucets, and instant hot water dispensers. The Premium Plan also provides higher coverage limits for appliances and systems, with an appliance coverage limit of $7,000. The average monthly price of the Premium Plan is $86.03.
First American Home Warranty offers one of the highest coverage counts of all home warranty companies. The company provides unlimited coverage for certain systems, including no coverage limit on electrical systems and water heater coverage under its top-tier Premium Plan. First American also offers higher coverage limits for most appliances, with limits ranging from $7,000 to no coverage cap.
In addition to its comprehensive coverage, First American Home Warranty provides access to discounts on services such as light fixture installations, TV mounting, and handyman tasks through partners such as Porch and Helpful Heroes. First American customers can also save on appliances from brands like Electrolux, Frigidaire, and GE.
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Coverage for electrical systems
First American Home Warranty offers three comprehensive plans that cover both systems and appliances. The company's plans are called Starter, Essential, and Premium.
The Starter plan covers eight major appliances, including dishwashers, refrigerators, and ovens, and four key systems, including heating, electrical, and plumbing. The plan provides up to $3,500 for appliance coverage with no limits on systems. However, it does not include air conditioning, clothes washers, clothes dryers, and water heaters.
The Essential plan expands the coverage to 11 appliances, including clothes washers, clothes dryers, and trash compactors. It also includes coverage for air conditioning, which is not included in the Starter plan.
The Premium plan covers everything from the Essential plan and adds coverage for luxury appliances, full garage door systems, faucets, and instant hot water dispensers. This plan also provides higher coverage limits for appliances and systems, with an appliance coverage limit of $7,000.
First American Home Warranty's service fees range from $100 to $125, which is higher than many other companies. However, the company does not limit the number of service requests during a contract period. Additionally, if a covered item cannot be repaired, the company will replace it with a new or similar item.
The company also offers add-ons, such as HVAC tune-ups starting at $2.08 and pool and spa equipment coverage for $20.83. These add-ons can provide coverage for specific items or systems that may not be included in the standard plans.
Overall, First American Home Warranty provides comprehensive coverage for electrical systems, especially when combined with the appropriate add-ons. It is important to review the specific plan details, including service fees, limitations, and exclusions, to understand the full extent of the coverage provided.
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Add-ons and coverage limits
First American Home Warranty offers three comprehensive plans: Starter, Essential, and Premium. The Starter plan covers eight major appliances, including dishwashers, refrigerators, and ovens, along with four key systems, including heating, electrical, and plumbing. The Essential plan covers everything in the Starter plan, plus air conditioning, clothes washer and dryer, water heater, and garage door opener. The Premium plan covers everything in the Essential plan, plus luxury appliances, full garage door system, faucets, and instant hot water dispenser.
The Starter plan provides up to $3,500 for appliance coverage with no limits on systems. The Essential plan has the same coverage limits as the Starter plan, while the Premium plan increases the appliance coverage limit to $7,000. First American Home Warranty's service fees range from $100 to $125, which is higher than those of many other companies.
First American Home Warranty offers a range of add-ons with its plans. These add-ons start as low as $2.08 for HVAC tune-ups, with higher-cost options like pool and spa equipment coverage for $20.83. The company also offers discounts on add-ons, such as $25 off for active and former U.S. Armed Forces members and up to $48 per year for 2-4 properties.
First American Home Warranty covers multiple refrigeration units and water softeners with add-ons, which are not available with American Home Shield. However, American Home Shield provides specialized options like the Electronic Protection Plan and coverage for guest units, which First American Home Warranty does not offer. Overall, First American Home Warranty offers a wider selection of add-ons with higher coverage limits, while American Home Shield offers more specialized coverage options.
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First American Home Warranty vs. American Home Shield
When considering First American Home Warranty vs. American Home Shield, it is important to note that both companies offer three plans with varying coverage levels. However, they differ in the number of items they cover and the specific coverage provided.
First American Home Warranty's three plans are Starter, Essential, and Premium, ranging from $47 to $86.03 per month. The Starter plan covers plumbing, electrical, and heating systems, as well as appliances such as dishwashers, refrigerators, and ovens. The Essential plan adds coverage for air conditioning, clothes washer and dryer, and water heater. The Premium plan offers the most comprehensive coverage, including luxury appliances, full garage door systems, faucets, and instant hot water dispensers. First American provides higher coverage limits for essential household items, with no cap on electrical systems and water heater coverage under its Premium plan.
On the other hand, American Home Shield (AHS) has three plans: ShieldSilver, ShieldGold, and ShieldPlatinum, ranging from $29.99 to $89.99 per month. The ShieldSilver plan covers heating, AC, plumbing, and electrical systems. The ShieldGold plan adds coverage for kitchen and laundry appliances, while the ShieldPlatinum plan includes roof leak repair, unlimited AC refrigerant, and more member perks. AHS covers pre-existing conditions and offers a 90-day parts guarantee.
When choosing between the two companies, consider your specific needs. AHS is ideal for homeowners with older systems or appliances, as it covers pre-existing damage and wear. First American Home Warranty, on the other hand, is better suited for those with high-end appliances, offering up to $7,000 in annual repair coverage. AHS is available in 47 states, while First American Home Warranty is available in 35 to 37 states.
Customer reviews for both companies vary, with some expressing dissatisfaction with the quality of service and contractors used. It is always advisable to research and compare the specific coverage details, pricing, and customer feedback before selecting a home warranty plan that best suits your individual needs.
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Frequently asked questions
The Starter plan covers eight major appliances, including dishwashers, refrigerators, and ovens, along with four key systems, including heating, electrical, and plumbing.
The Starter plan costs on average $51.24 per month.
The plan does not include air conditioning, clothes washers, clothes dryers, and water heaters.
First American Home Warranty offers a range of add-ons, including HVAC tune-ups, pool and spa equipment coverage, and coverage for multiple refrigeration units and water softeners. They also offer discounts on appliances and services such as light fixture installations and TV mounting.
