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First American Home Warranty Reviews & Complaints

First American Home Warranty sells home warranty plans and is a California corporation and subsidiary of First American Financial Corporation. This page sets out the company's own service-request, fee, cancellation and arbitration statements, BBB and Trustpilot figures with the dates they were read, federal court records including a 2024 class settlement, and 252 reader posts in the site's archive dated 2000 to 2012.

REVIEWS & COMPLAINTS239on USAComplaints · none in last 3 yrs · latest 2012
WEBSITEhomewarranty.firstam.com
HEADQUARTERSWest Hills, CA
PROFILE CHECKED2026-10-19
Submit a Complaint Read reviews & complaints ↓ Official website ↗
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Contacts

Customer service & general contact

Cancel, billing & returns

Account & login

VERIFIED

Locations

  • Headquarters8511 Fallbrook Ave., Suite 100 West Hills CA 91304
  • Mailing addressP.O. Box 7248 Santa Rosa CA 95407
EDITORIAL

First American Home Warranty claims, cancellation, fees and disputes: what the company's own pages say (checked October 11 and 19, 2026)

First American Home Warranty sells home warranty plans: one-year renewable service contracts under which the company arranges and pays for repair or replacement of covered home systems and appliances, subject to the contract's terms, limits and service fees. The points below come from the company's FAQ, Contact and File a claim pages on homewarranty.firstam.com, opened on October 11, 2026. The contract you received controls. The FAQ and File a claim pages refer to a "sample contract", and the company hosts contract PDFs under homewarranty.firstam.com/media/contracts/; terms differ by state and plan, so read the version that applies to you.

Request service. The File a claim page says to log into your online account and choose "Request New Service", pick the item, describe the problem and pay the service fee by card before submitting. The Contact page lists 800.992.3400 under "Request Service". The FAQ says a service provider "will contact you to schedule a mutually convenient appointment" and that "Simple repairs are typically made during the first appointment", with parts sometimes requiring additional visits.

Phone numbers differ between pages. The phone numbers inside the FAQ answers on the same site changed between page loads (for example 866.513.2103 and 877.617.0812 for service requests, and 888.674.2085 and 855.396.4713 Ext. 7521 for cancellation), while the Contact page consistently showed 800.992.3400 for service, 800.327.9292 for renewals and 800.327.9292 Ext. 7521 for cancellation support. Use the numbers on your contract or in your signed-in account if they differ.

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Service fee and waiting period. The FAQ says: "You will pay a service fee each time you make a new service request. Your service fee is listed in your contract, or you can see it when you get a quote." It also says: "For many new customers, there is a 30-day waiting period before requesting service. Please see your contract for specific details." On frequency it says "There is no limit to the number of times you can request service during your contract."

Contractors. The FAQ says the company sends "a local technician from our network of thousands of independent service providers who are prescreened", and answers "Can I choose my own contractor?" with "There's no need to."

Repair, replacement or cash. The FAQ says: "If a covered system or appliance is beyond repair, we will replace it with a brand new unit with like functionality. In some instances, you may be offered cash in lieu of repair or replacement. Payment will be made based on First American's negotiated rates with its suppliers, which may be less than retail." Ice makers, ice crushers and beverage dispensers are repaired or replaced only when parts are available.

What is not covered. The FAQ says: "Your home warranty contract covers only items listed as covered and excludes all others", giving as examples costs to bring out-of-code systems into compliance, structural modifications, modifications to existing equipment, secondary damage and cosmetic fixes. It adds that most pre-existing breakdowns are not covered: "In most situations we will not repair or replace an item that was broken prior to the start of the home warranty coverage." It also says some items carry dollar limits (appliances and roof leak coverage are named) and, answering "Is roof leak coverage included?", that "Roof leak coverage is not included in our plans, but it's available as an add-on" covering up to $1000 for leaks from normal wear and tear. The home page's Premium Plan card, read on October 19, 2026, lists "Roof Leaks" among its features; the two pages are not reconciled here, so check the plan and contract you were quoted. It also says some plans bought in a real estate transaction protect against unknown pre-existing conditions.

Cancel or renew. The FAQ calls the plan an annual contract and says to call to "discuss options" when cancelling. The Contact page lists the Cancellation Support line quoted above. The Terms and Conditions page (homewarranty.firstam.com/terms-and-conditions, opened on October 11, 2026) says: "This contract is cancellable up to the 30th day from the effective date of coverage for a full refund of paid contract fees, provided you have not utilized the product. After 30 days from the effective date of the contract, please refer to your contract for specific cancellation terms and conditions." The same page says contracts on monthly auto-charge payment plans continue for another one-year term "unless the contract holder notifies First American in writing to discontinue future plan coverage 30 days prior to the expiration of the current contract." One contract PDF on the site (10.B.pdf, which carries the heading "Mountain States") says a cancellation request "must be in writing and can be submitted to [email protected]" and, for non-Wyoming residents, that on cancellation the holder is entitled to "a pro rata refund of the paid Contract fee for the unexpired term, less a $50 administrative fee and all service costs incurred by Company." That wording is from one state version; other versions may differ, so use the contract you were issued.

Claim records. The File a claim page says claims can be filed by calling 24/7 at 800.992.3400 and that, in the online account under Service Requests, a customer can "View appointment updates", "Check claim status" and see "messages between you and First American"; these account entries give a written record of a dispute.

Emergencies and escalation. The FAQ says that when a failure makes the home uninhabitable "we will make all reasonable efforts to expedite and initiate emergency service within 24 hours", giving no power, no water or no available toilets as examples. If the company's own channel does not resolve a dispute, a complaint can be filed with your state's insurance or consumer regulator (the California Department of Insurance lists 1-800-927-4357 and an online complaint form) and with the BBB; the website's Terms of Use contain an arbitration clause described in the court-record section below.

EDITORIAL

Company Information

Legal name
First American Home Warranty Corporation
Founded
1984
Business type
Seller of home warranty (residential service) contracts for home systems and appliances; a California corporation and wholly owned subsidiary of First American Financial Corporation
Website
homewarranty.firstam.comSource: First American Home Warranty home page, checked 2026-10-11
Headquarters
West Hills, CASource: Contact Us page, checked 2026-10-11
Owned by
First American Financial CorporationSource: California Department of Insurance examination report as of December 31, 2020, checked 2026-10-11

First American Home Warranty Corporation is a California corporation incorporated on February 8, 1984 and a wholly owned subsidiary of First American Financial Corporation, which is listed on the New York Stock Exchange (FAF) and files annual reports with the SEC. The California Department of Insurance examined the company as of December 31, 2020 and published the report; its company profile page, opened on October 11, 2026, lists License Status UNLIMITED-NORMAL, Company Type HOME PROTECTION and telephone 800-992-3400. BBB listed the company as accredited with a B+ letter grade, 2,654 complaints in three years and a 1.99 out of 5 average from customer reviews when read on October 11, 2026 (its complaints tab was being updated on October 19, 2026); Trustpilot displayed 4.0 from 19,315 reviews on October 19, 2026. Federal court records show consumer class litigation from 2013 to 2017 and TCPA suits from 2023 onward, one of which ended in a court-approved $700,000 settlement in 2024. Whether a particular claim decision was correct depends on the contract and the facts of that claim, which none of these sources can establish.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBB, Canoga Park, CA
1,377 reviews · 2,654 complaints · BBB business grade B+ · average customer rating 1.99 / 5
Trustpilot
19,315 reviews · TrustScore 4 / 5
CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 239 historical complaints about First American Home Warranty, published between 2000 and 2012. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

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EDITORIAL

Complaint record: BBB, Trustpilot and the usacomplaints archive (as read on October 11 and 19, 2026)

BBB, as displayed on October 11, 2026. The BBB profile for First American Home Warranty (Canoga Park, CA) shows a B+ rating and "BBB Accredited Business". The complaints tab says "2,654 total complaints in the last 3 years. 769 complaints filed in the last 12 months." The main profile's rating-reasons box says "2,655 complaint(s) filed against business". The customer-reviews tab shows 1.99 out of 5 from an average of 1,377 customer reviews; BBB states that reviews are not used in the letter grade. On October 19, 2026 the BBB complaints tab for this profile instead displayed "This profile is currently being updated. You will not be able to read any existing complaints at this time, but you may file a complaint.", and the main profile page text read that day did not show a letter grade, complaint count or review average, so the October 11 figures above could not be re-checked and are kept as dated observations only; BBB's own counts change over time. BBB raw page data (read again on October 19, 2026) gives an accreditation date of May 30, 2000 and a business start and incorporation date of February 8, 1984.

Trustpilot, as displayed on October 19, 2026. The page for go.fahw.com (titled First American Home Warranty) shows 19,315 reviews with a TrustScore of 4.0, including 2,062 reviews in the last 12 months, with 63 percent 5-star and 19 percent 1-star. The profile has been claimed since January 2017 and has a paid Trustpilot subscription; the company invites customers to review and replied to 91 percent of negative reviews, according to Trustpilot. On October 11, 2026 the same page had shown 19,274 reviews, 2,021 in the last 12 months and a 92 percent reply rate. Trustpilot says it does not fact-check reviews. The BBB and Trustpilot figures measure different things over different periods and are not combined here.

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The usacomplaints.com archive. This site's archive holds 252 approved posts linked to this profile: 239 naming the company itself (under its former name First American Home Buyers Protection and variants) and 13 naming a contractor that the writer says was sent through the company. They are dated from July 2000 to December 2012, with the largest yearly counts in 2006 to 2009, and all predate the 2016 name change. Another 28 candidate posts were read and not linked because the text was machine-altered, duplicated another post or contained no complaint facts. Posts are reader allegations that this site did not verify.

By keyword match (computed on October 11, 2026 over the posts naming the company itself and not recomputed since; the profile now links 239 such posts), the posts mention: Contractor quality or contractor charges: 128; Heating, air conditioning or HVAC repair or replacement named: 120; Delay, no-show or repeated service calls: 117; Water heater, plumbing or drain issue named: 79; Claim denied or item described as not covered: 60; Cancellation, refund, renewal or billing: 55; Appliance (refrigerator, oven, washer, dishwasher, dryer) named: 43; Service fee or copay charged: 24. A post can match several keywords, so the counts overlap and do not add up to the number of posts; they are keyword matches, not a single-theme classification and not findings.

EDITORIAL

Court record: TCPA suits, a 2024 settlement and earlier class litigation (through 2017)

A CourtListener search on October 11, 2026 for case names containing "First American Home Warranty" returned 12 federal dockets between 2018 and 2026, and a search for the former name returned three published opinions dated 2013 to 2016; a Ninth Circuit memorandum disposition of November 16, 2017 in the class-certification appeal (described below) was read on the court's own site. The matters below are those whose dockets or orders were opened and read; all are allegations, orders or procedural events, not findings of wrongdoing unless stated.

Telephone Consumer Protection Act (TCPA) suits. Kimble v. First American Home Warranty Corp. and FiveStrata LLC (E.D. Mich., No. 2:23-cv-10037) alleged unsolicited calls to numbers on the National Do-Not-Call Registry made by FiveStrata on behalf of First American. On July 8, 2024 the court granted final approval of a class settlement: a $700,000 non-reversionary common fund for a class of 21,953 persons, with fees, expenses, administration and a $5,000 incentive award paid from the fund, and dismissed the case with prejudice. The claim deadline was April 30, 2024 and has passed. Weingrad v. First American Home Warranty Corporation (E.D. Pa., No. 2:24-cv-05488), filed October 15, 2024, is a putative class action over calls to numbers on the Do-Not-Call Registry; the court denied the company's motion to dismiss on May 4, 2026, the company answered on May 18, 2026, and on October 8, 2026 the court stayed the case while the parties finalize their resolution. Dobronski v. First American Home Warranty Corporation (E.D. Mich., No. 2:23-cv-11412), listed by CourtListener as a TCPA case, was dismissed by stipulated order on May 30, 2024.

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Earlier consumer class litigation. In Diaz v. First American Home Buyers Protection Corp. (9th Cir., No. 11-57239) the Ninth Circuit decided on October 4, 2013 that an unaccepted Rule 68 offer did not moot the plaintiff's claims and vacated the dismissal of her misrepresentation, breach of contract and implied covenant claims; the plaintiff had alleged delayed repairs, substandard contractors and wrongful claim denials. On remand the consolidated case In re First American Home Buyers Protection Corp. (S.D. Cal., No. 13-cv-01585) the district court denied the plaintiffs' motion for class certification, in an order listed by CourtListener on February 22, 2016. The plaintiffs were permitted to appeal under Rule 23(f), and in Carrera v. First American Home Buyers Protection Co. (9th Cir., No. 16-56038) a panel affirmed the denial in a memorandum disposition filed November 16, 2017, marked not for publication; it held the district court did not abuse its discretion in concluding that common questions did not predominate. This page did not review other events in the case.

Other dockets. A 2026 filing, Adam v. First American Home Warranty Corporation (C.D. Cal., No. 8:26-cv-00842), was voluntarily dismissed under Rule 41(a)(1) on June 9, 2026; the docket entries read do not describe the claims. The company is also the plaintiff in First American Home Warranty Corporation v. Page-Azambuja (M.D. Tenn., 2018), which CourtListener lists as a trade-secret suit the company brought; its docket entries include a joint stipulation of dismissal and dissolution of a preliminary injunction.

Website arbitration clause. The Terms of Use for the website (homewarranty.firstam.com/legal, no date shown) contain an arbitration agreement that says "YOU WAIVE YOUR RIGHTS TO LEAD OR PARTICIPATE IN A CLASS ACTION", allows an individual action in small claims court instead, places arbitration in Orange County, California or the county where the customer lives, and applies California law. The same terms say FAHWC pays all AAA filing, administration and arbitrator fees for any arbitration it initiates and for any arbitration initiated by another party where the value of the claims is $75,000 or less, unless an arbitrator determines the claims were brought in bad faith or for an improper purpose. The page is the website's terms, not the warranty contract; the 10.B.pdf contract version on the site has its own arbitration section (county of the covered property, AAA rules, company pays AAA fees for claims of $75,000 or less on the same bad-faith exception).

Parent disclosure. First American Financial's 2025 Form 10-K says its ordinary-course lawsuits "include class actions or purported class action lawsuits, which challenge practices in the Company's home warranty and title insurance and settlement services businesses", and that it does not expect a material adverse effect from them.

PUBLIC RECORD

Court & Public Records

Kimble v. First American Home Warranty Corp. and FiveStrata LLC

Settled

U.S. District Court, E.D. MichiganDocket No. 2:23-cv-10037Source ↗

Settled

Putative class action under the Telephone Consumer Protection Act alleging unsolicited calls to numbers on the National Do-Not-Call Registry, made by FiveStrata on behalf of First American. On July 8, 2024 the court granted final approval of a class settlement: a $700,000 non-reversionary common fund for a class of 21,953 persons, from which fees (up to $195,000), expenses, administration costs and a $5,000 incentive award were paid before equal shares to claiming class members, and dismissed the case with prejudice. The claim deadline was April 30, 2024.

Weingrad v. First American Home Warranty Corporation

Filed

U.S. District Court, E.D. PennsylvaniaDocket No. 2:24-cv-05488Source ↗

Filed — no final outcome recorded

Putative class action under the Telephone Consumer Protection Act alleging telemarketing calls to numbers on the National Do-Not-Call Registry. The court denied the company's motion to dismiss on May 4, 2026; the company answered on May 18, 2026. On October 1, 2026 the plaintiff filed a notice of resolution and joint request to stay, and on October 8, 2026 the court stayed the case while the parties finalize their resolution and required a joint status report within 60 days if it is not resolved. Newest docket entry read: October 8, 2026.

Dobronski v. First American Home Warranty Corporation

Dismissed

U.S. District Court, E.D. MichiganDocket No. 2:23-cv-11412Source ↗

Dismissed

Listed by CourtListener under the Telephone Consumer Protection Act. On January 24, 2024 the court declined to exercise supplemental jurisdiction over state-law claims, and on May 30, 2024 a stipulated order dismissing the case was entered. The pleadings were not read for this page.

Diaz v. First American Home Buyers Protection Corp.

Appeal decided

U.S. Court of Appeals, Ninth CircuitDocket No. 11-57239Source ↗

Appeal decided — see outcome

Appeal by a home warranty holder who sued on behalf of a putative class alleging refused timely repairs, substandard contractors and wrongful claim denials. The Ninth Circuit held that an unaccepted Rule 68 offer that would have fully satisfied the claim did not render it moot, vacated the dismissal of the misrepresentation, breach of contract and implied covenant claims and remanded.

In re First American Home Buyers Protection Corp. (Carrera et al.)

Filed

U.S. District Court, S.D. CaliforniaDocket No. 13-cv-01585-BAS(JLB)Source ↗

Filed — no final outcome recorded

Consolidated putative class action alleging, among other claims, breach of the implied covenant of good faith and fair dealing, misrepresentation, concealment and California unfair competition claims over home warranty claim handling. The court's order denied the plaintiffs' motion for class certification, a motion for sanctions and several motions on supplemental authority; the date shown is the date CourtListener lists for the order. The plaintiffs appealed under Rule 23(f); the Ninth Circuit affirmed the denial on November 16, 2017 (see Carrera v. First American Home Buyers Protection Co.).

Adam v. First American Home Warranty Corporation

Dismissed

U.S. District Court, C.D. CaliforniaDocket No. 8:26-cv-00842Source ↗

Dismissed

Complaint filed April 7, 2026; a voluntary dismissal under Federal Rule of Civil Procedure 41(a)(1) was filed June 9, 2026 (docket entry 11). The docket entries read do not describe the claims, and the complaint was not read.

Carrera et al. v. First American Home Buyers Protection Co.

Appeal decided

U.S. Court of Appeals, Ninth CircuitDocket No. 16-56038Source ↗

Appeal decided — see outcome

Interlocutory appeal, allowed under Rule 23(f), from the Southern District of California order denying class certification of fraudulent concealment and Unfair Competition Law claims (D.C. No. 3:13-cv-01585-BAS-JLB). In a memorandum disposition marked not for publication and not precedent except as Ninth Circuit Rule 36-3 provides, the panel affirmed, holding the district court did not abuse its discretion in concluding that common questions did not predominate over individual ones.

EDITORIAL

Who First American Home Warranty is and who owns it

First American Home Warranty Corporation is a California corporation. According to the California Department of Insurance's report of examination as of December 31, 2020 (dated January 31, 2022), it was incorporated on February 8, 1984, began transacting home warranty business on March 31, 1984, and changed its name from First American Home Buyers Protection Corporation to its current name with approval effective November 16, 2016. The same report describes it as a wholly owned subsidiary of First American Financial Corporation (FAFC), a publicly traded company, and says First American Home Warranty Corporation of Florida, a subsidiary, writes the home protection business in Florida.

The report says the company provides home protection service contracts, typically for one year and renewable annually, and that in 2020 it wrote $376.3 million of direct premiums, of which 40.6 percent was written in California and 14.2 percent in Texas; renewals were about 58 percent of premium revenue. The examination covered January 1, 2016 through December 31, 2020 and its summary lists one recommendation, to evaluate procedures so that expense allocations conform to the terms of the affiliated-companies service agreement; it records no adjustments to the financial statements.

First American Financial's Form 10-K for fiscal 2025 (filed February 18, 2026; opened October 19, 2026) says its home warranty segment "currently operates in 36 states in the United States and the District of Columbia" and that its home warranty and settlement services businesses "are also subject to regulation in some states by insurance authorities or other applicable regulatory entities." First American Home Warranty Corporation (California) appears in the Exhibit 21 list of the parent's subsidiaries, which is labelled as of December 31, 2024. The company's address on its Contact page is 8511 Fallbrook Ave., Suite 100, West Hills, California; the BBB lists a Canoga Park post office box.

The company says on its FAQ page that it has "more than 40 years of experience" and that it spent "more than $174 million" on repairs and replacements in the last year, a footnote describing the figure as paid invoices net of service fees in 2025; these are company statements. First American Home Warranty is a different business line from First American's title insurance and settlement services; the sources read here do not tie complaints about one to the other.

VERIFIED

Company Relationships

  • Owned byFirst American Financial Corporation
  • Affiliated withFirst American Home Warranty Corporation of Florida
  • Formerly known asFirst American Home Buyers Protection Corporation
CONSUMER ALLEGATION

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

EDITORIAL

Frequently Asked Questions

How do I request service from First American Home Warranty?

The File a claim page says to sign in to your online account, choose Request New Service, pick the item and describe the problem, then pay the service fee by card before submitting. The Contact page lists 800.992.3400 for service requests. The FAQ says a service provider then contacts you to schedule an appointment.

How do I cancel a First American Home Warranty contract?

The FAQ describes the plan as an annual contract and asks customers to call to discuss options before cancelling; the Contact page lists Cancellation Support at 800.327.9292 Ext. 7521. The Terms and Conditions page says the contract is cancellable up to the 30th day from the effective date of coverage for a full refund of paid contract fees, provided the product has not been utilized, and refers to the contract for terms after 30 days; monthly auto-charge contracts continue for another year unless written notice is given 30 days before expiration. One contract PDF on the site (10.B.pdf, "Mountain States") states a pro rata refund less a $50 administrative fee and service costs incurred; other state versions may differ.

What service fee and waiting period does First American Home Warranty charge?

The FAQ says a service fee is paid each time a new service request is made and that the amount is listed in the contract or shown with the quote. It says "For many new customers, there is a 30-day waiting period before requesting service" and to see the contract for details.

Will First American Home Warranty replace an item it cannot repair?

The FAQ says a covered item beyond repair will be replaced with a new unit with like functionality, and that in some instances cash in lieu may be offered, paid at the company's negotiated supplier rates, "which may be less than retail."

Can I choose my own contractor with First American Home Warranty?

The FAQ answers "There's no need to" and says the company sends a technician from its network of independent service providers. Whether the contract permits an outside contractor is a contract question; the pages read do not address it.

Who owns First American Home Warranty?

The California Department of Insurance's examination report as of December 31, 2020 describes First American Home Warranty Corporation as a wholly owned subsidiary of First American Financial Corporation, a publicly traded company. Florida business is written by a subsidiary, First American Home Warranty Corporation of Florida.

What do BBB and Trustpilot show for First American Home Warranty?

On October 11, 2026 the BBB profile for the Canoga Park listing showed a B+ letter grade, 2,654 complaints over three years and a 1.99 out of 5 review average (1,377 reviews); on October 19, 2026 its complaints tab displayed that the profile was being updated, so those figures were not re-checked. On October 19, 2026 Trustpilot's page for go.fahw.com showed a 4.0 TrustScore across 19,315 reviews. Each site counts different things over a different period, so the two sets of figures are kept separate.

Was there a class action settlement involving First American Home Warranty?

In Kimble v. First American Home Warranty Corp. (E.D. Mich.), the court granted final approval on July 8, 2024 to a $700,000 settlement of Do-Not-Call Registry claims for a class of 21,953 people. The claim deadline was April 30, 2024 and has passed.

Where can I complain about a First American Home Warranty claim decision?

Start with the company's channels and keep written records. The California Department of Insurance, which examined the company, lists 1-800-927-4357 and an online complaint form on its consumer help page; consumers outside California can contact their own state insurance or consumer protection regulator. BBB also accepts complaints.