- Asks customers to review local contractors based on performance.
- Over 30 years in the home warranty business.
- Coverage of appliances and systems that malfunctioned due to sedimentation, rust and lack of maintenance.
- Can be transferred to a new owner if you sell your house during the term of the contract.
- Covers any properly working appliance of system, no matter how old it is.
While the coverage depends on your area, the plans are actually quite comprehensive no matter where you live. For instance, it doesn’t matter whether you live in a small town in Indiana or a big city like L.A, basic home systems and appliances will definitely be included in your plan. Again, depending on your location, your plan may include some interesting extra features, such as pest control. By offering plans that are custom made for your specific location, First American makes sure that you get the best possible coverage according to your needs.
The company website offers a tool for finding out what’s covered in your area in each of the plans by using your zip code.
For example, if you live in Los Angeles and you want a First American home warranty plan, you’ll have a chance to choose between the Basic and Premier plans. Basic coverage includes home appliances like dishwashers, ovens/ranges/cooktops, built-in microwaves, kitchen refrigerators, instant hot water dispensers, garbage disposals, trash compactors, clothes washers and dryers and attic, exhaust and ceiling fans. On the other hand, if you opt for the Premier plan, in addition to all these appliances your plumbing, heating, electrical and central vacuum system will be covered, as well as plumbing stoppages, ductwork, garage door opener and water heater.
If you find this insufficient for your household, then First American offers you an opportunity to select additional coverage. Among these additional options you’ll find: central air-conditioning, additional refrigeration, pool/spa equipment, and well pump. Again, additional coverage may vary depending on your location.
Terms and Conditions
After reading a sample contract, which, unlike the website, does contain Terms and Conditions, we found out one interesting thing – First American is willing to cover unknown conditions such as rust, sedimentation, and even lack of maintenance, which is definitely not something many home warranty companies dare do.
The sample contract is very in-depth, but it’s still just a sample and it’s there only to give you an idea of how everything will work.
However, in it there is an in-depth overview of which appliances and systems are covered by First American’s home warranty plan. You should pay extra attention to monetary limits that the company puts on some repairs. Since broken system parts can often be underground or inside a wall, the cost of repair could be quite high, but the company will not pay for floor, door or wall damage made during the reparation of the original repair. For instance, if a problem with your electrical system occurs, the company will return openings made to get to the electrical system to a rough finish. Hence, you’ll have to find another contractor by yourself to get your walls back in shape.
If you sell your home during the term of the contract, it can be transferred to the new owner. All you need to do is to inform the company and give them name of the new owner. You can do this over the phone.
If you cancel your contract within 7 days of the start date, you can get a full refund within 30 days. If you cancel after this initial period, you can get a pro-rated refund.
Bear in mind that while the company covers the costs of repairing or replacing your system or appliance, there is also a service call fee, which may range from $50 to $100, depending on your plan and location.
Besides online and phone support service, there is also a detailed FAQ section which is very comprehensive and written in simple language.
Pros & Cons
- Wide range of coverage
- Pre-screened contractors
- Possibility of contract transfer
- Many coverage exemptions