Cancel First American Home Warranty in 2026: Complete Guide

Updated February 2026 • 6 min read

First American Home Warranty: Cost vs Reality

First American charges $40-60/month ($480-720/year) plus a $75-100 service call fee. They're the second-largest home warranty company in the US, but their 1.3/5 BBB rating reveals a pattern of denied claims and delayed repairs.

The most common complaint: filing a claim for a broken AC in July and waiting 3-6 weeks for a resolution while paying for hotel stays or portable units out of pocket.

How to Cancel First American Home Warranty

Option 1: Phone (Recommended)

1. Call 1-800-992-3400 (Mon-Fri 6am-5pm PT)
2. Have your contract number ready (on your welcome packet or billing statement)
3. State: "I want to cancel my home warranty contract effective immediately."
4. Decline all retention offers
5. Get a confirmation number and email confirmation

Option 2: Written Request

Mail certified letter to: First American Home Warranty, P.O. Box 7248, Santa Rosa, CA 95407

Include: contract number, property address, name on account, effective cancellation date, and a clear statement that you do not want to be contacted with retention offers.

Option 3: Online Portal

Log into homewarranty.firstam.com, navigate to your contract, and look for cancellation options. Note: online cancellation may not be available in all states — if the option isn't visible, call instead.

Refund Calculation

First American's refund depends on your state and plan type:

• First 30 days: Full refund minus a small admin fee ($25-50)
• After 30 days (annual): Pro-rata refund minus admin fee minus total claims paid
• Important: If claims paid exceed the pro-rata refund amount, you owe nothing extra — but you get $0 back
• Monthly plans: Cancel before next billing cycle; no refund for current month

Common First American Claim Denials

• "Lack of maintenance": Without receipts for annual HVAC servicing, they deny heating/cooling claims
• "Code upgrade required": If repair requires bringing systems to current building code, that's excluded
• "Cosmetic damage": Rust, dents, or discoloration on appliances — even if affecting function
• "Known condition": Anything a home inspector noted (even as "monitor") becomes pre-existing

What to Do Instead

After canceling, set up a simple home repair fund:

1. Save 1% of your home's value per year for maintenance (industry rule of thumb)
2. Get annual HVAC service ($100-200) — prevents the most expensive breakdowns
3. Build a list of vetted local contractors before you need them
4. For major systems (HVAC, plumbing), consider manufacturer extended warranties — they actually cover things