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Home Warranty of America vs First American Home Warranty

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HOME WARRANTY OF AMERICA

Since 1996, Home Warranty of America has been protecting homeowners with their home warranty packages. Claims can be made online 24/7/365, or you can contact their customer service team during regular business hours.

Home Warranty of America offers two main plans for home warranty coverage: Premier and Premier Plus. Each one allows you to choose between a $75 and $100 Trade Service Call Fee, with lower monthly premiums for the higher call fee. The Premier plan is priced at $41 to $44 per month, while the Plus package costs $50 to $53. Both plans cover the major systems and appliances of the average home. So, what's the difference between the two packages? The Premier Plus covers the air conditioning, toilet replacement, plumbing fixtures/faucets/shower heads, and more than 25 "other items traditionally not covered by basic home warranty plans". We would have liked to see a list or a link to a list for what those 25+ items actually are.

You have an extensive list of add-ons possible with Home Warranty of America's plans. Options include salt water pools, septic systems, roof leak repair, well pumps, and more. The additional premiums for these upgrades are clearly spelled out on the plan summary page, and the sample contract for all plans is readily available for downloading and viewing on the Coverage Options page as well. Home Warranty of America gets points for both of these features, since many of their competitors do not provide that information so freely.

Be aware that Home Warranty of America's plans are all 13-month packages, not the typical one-year timeframe that most home warranty companies sell. This would be an advantage if it were a fixed-price structure, but since you're paying monthly for a Home Warranty of America plan, you're essentially just obligated to pay for an extra month.

On the positive side, there are no age restrictions on any of the appliances or systems covered by Home Warranty of America, so whether your dishwasher is 10 months or 10 years old, it'll still be eligible for coverage.

How does Home Warranty of America compare with other providers when it comes to reputation? On average, Home Warranty of America has solid positive customer feedback. We found many compliments to the responsiveness of their customer representatives, and the lack of pushy sales tactics towards prospective clients. Although some policyholders have experienced mixed results with the quality of the technicians assigned to do repairs, they've been satisfied with Home Warranty of America's efforts to make sure the job is (eventually) completed right.

Home Warranty of America offers comprehensive coverage, transparent fees and pricing, and a solid "B" grade with the Better Business Bureau, making them a good choice for your home warranty plan.

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FIRST AMERICAN HOME WARRANTY

Established in 1984, First American Home Warranty has more than 500,000 customers and offers around-the-clock service on their home warranty contracts.

In order to find out if First American can cover your property, you'll need to enter your zip code. You'll be taken to a page that shows you what is covered for your area. But, in order to get pricing, you'll have to enter your full information: name, address, zip code, and so forth. For our residence, we were given these two options:

  • Basic Plan: service call fee of $75, priced at $28/month (or a one-time yearly payment of $300, a savings of $21). Includes coverage of appliances: disposal, dishwasher, range, cooktop, microwave, trash compactor, refrigerator, washer/dryer
  • Premier Plan: service call fee of $75, priced at $44/month (or one-time yearly payment of $492, a savings of $21). Includes coverage of appliances and major systems, such as plumbing, electrical, heating/ductwork, garage door opener, and central vacuum system.

Both plans offer upgrades to cover pool/spa equipment, well pumps, central air (electric), as well as a "First Class Upgrade" that covers more components within the various appliances and systems.

When you look at the quote page, you'll notice plus signs (+) next to each listed component. We weren't thrilled to read that "company shows examples of components 'not covered' to assist your understanding of this Contract, and examples are not exhaustive". In other words, could there be things that are actually not covered, but they're not listed on the quote page? That's not reassuring, to have to download the sample contract just to look up every possible exclusion.

And reassurance may be exactly what you want, because most of the complaints we found regarding First American center around excluded coverage items. Customers described systems that needed repair, and the most common replacement items were actually not covered. We also read a number of reviews that complained about less-than-competent technicians contracted by First American, who wound up causing more damages than they fixed.

But, compared with some of the home warranty companies we surveyed, it does look like First American makes the effort to address such complaints. Both with their "B" rating with the Better Business Bureau and their responses to negative reviews, this company does show respect for the customer.

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Best Home Warranty

To help you find the Best Home Warranty Companies, TopConsumerReviews.com provides you with an in-depth comparison of Home Warranty of America and First American Home Warranty.

Who has the best Home Warranty? Whether you're a homeowner, landlord, or home seller hoping to sweeten the deal for prospective buyers, a home warranty can make a significant difference. From appliances like washers and dryers to home systems such as HVAC and electrical, home warranty policies protect you in the event of a malfunction or needed repair.

Given that the average costs of even a minor fix can easily run into the hundreds or thousands of dollars, it's easy to understand why many people purchase home warranties every month. The coverage purchased typically explains what is and is not covered, so you know exactly what you're getting. Also, most plans have some kind of deductible or service fee once a technician has been dispatched for your repair or claim.

You should be aware that home warranties are one of the most complained-about services available today. Why? The main reason is that customers don't pay attention to the fine print. When considering a home warranty policy, be sure to take a look at a sample contract. Like all warranty and insurance companies, they're hoping that you don't need to make a claim - and so many of the cosmetic, non-essential inner workings and components may be excluded from coverage.

However, if you take the time to educate yourself on the home warranty you're purchasing, there should be no unpleasant surprises, and your covered systems will be repaired in a timely fashion by a licensed, reputable technician.

As you decide which company earns your business for a home warranty plan, here are several criteria to consider:

  • Coverage. What is included, and what is specifically excluded? Do the plans offered cover the systems and appliances you most want to protect?
  • Premiums and Fees. What will you pay for your coverage? Will you pay monthly, quarterly, or yearly? What are the fees you pay for service calls? Do you have a deductible?
  • Reputation. What is the company's rating with the Better Business Bureau, if they have one? What do current and previous clients have to say about the home warranty, both during the purchasing process and especially during the claims/repairs experience?

TopConsumerReviews.com has reviewed and ranked the best home warranty companies available today. We hope this research helps you find the best home warranty policy for your home or rental property!



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