Empire Home Protect vs First American Home Warranty
Side-by-side comparison of plans, pricing, claims, and coverage for 2026. Pick the home warranty that actually fits your home.
The Short Answer
Empire Home Protect and First American Home Warranty both offer home warranty coverage, but they take different approaches to pricing, claims, and what is included in the base plan. This page is a factual comparison — not a bashing session — so you can decide which provider actually fits your home and your budget.
Empire Home Protect stands out for transparent coverage, a 30-day money-back guarantee, plans starting at $49/month, and a nationwide service network of licensed local technicians. First American Home Warranty home warranty arm of First American Financial Corporation, historically focused on real estate transactions and closings.
Side-by-Side Comparison
| Feature | Empire Home Protect | First American Home Warranty |
|---|---|---|
| Plans Start At | $49/mo | Varies by plan tier |
| Typical Service Fee | Flat per-visit fee | $75 to $100 per service call |
| Claim Processing | Typically 24 to 48 hours | Varies |
| Money-Back Guarantee | 30 days | Varies by provider |
| Waiting Period | 30 days (standard) | Typically 30 days |
| Network | Nationwide licensed local technicians | Nationwide |
| Coverage Categories | HVAC, plumbing, electrical, water heater, major appliances, laundry, garage door opener | HVAC, plumbing, electrical, major appliances (specifics vary by tier) |
| Founded | Covers 400,000+ homeowners | 1984 |
What Empire Home Protect Does Differently
Three things set Empire Home Protect apart from most of the home warranty industry, and why homeowners often make the switch:
1. Transparent Coverage
We publish what is covered and what is not before you enroll. No buried exclusions, no industry jargon hiding the limits. If a system is covered, we cover it. If it is not, we say so upfront — so there are no surprises when you file a claim.
2. 30-Day Money-Back Guarantee
Every new Empire Home Protect plan comes with a full 30-day money-back guarantee. If you enroll and decide within 30 days that it is not right for you, we refund your payment in full. After that, coverage can be cancelled any time for a pro-rated refund. This reduces the risk of trying a home warranty for the first time.
3. Fast Claims With Real Humans
Most Empire Home Protect claims are reviewed within 24 to 48 hours, with a licensed local technician dispatched shortly after. And when you call 1-888-211-4182, you reach a real team member — not a phone tree that times out.
4. Competitive Starting Price
Plans start at $49 per month. That is designed to be an accessible entry point for homeowners who want real coverage without premium pricing.
Where First American Home Warranty Has Strengths
To be fair, First American Home Warranty has real strengths. Strong real-estate-transaction focus, backed by a larger financial services parent company, established buyer/seller warranty programs.
When First American Home Warranty might be the better pick: If you are buying or selling a home and want a home warranty specifically included in the real estate transaction, First American has long-standing realtor relationships.
Common Concerns With First American Home Warranty
Plans are more standardized than customizable, and customer reviews note that claim processing times and coverage limits feel conservative compared to newer entrants. If any of these are deal-breakers for you, Empire Home Protect is worth a closer look.
Which Plan Is Right for You?
Here is a simple decision framework for choosing between Empire Home Protect and First American Home Warranty:
- Choose Empire Home Protect if: you want transparent coverage, a 30-day money-back guarantee, fast claims, and a plan starting at $49/month.
- Consider First American Home Warranty if: you are buying or selling a home and want a home warranty specifically included in the real estate transaction, first american has long-standing realtor relationships.
- Either one if: your core need is basic HVAC + plumbing + electrical + appliance coverage. Both providers cover these categories. The differentiators are pricing, claim speed, and cancellation flexibility.
Frequently Asked Questions
Is Empire Home Protect cheaper than First American Home Warranty?
Empire Home Protect plans start at $49/month, which is competitive with or below First American Home Warranty’s mid-tier pricing. Your exact Empire Home Protect price depends on your plan tier and home — a free quote takes under two minutes.
How fast does Empire Home Protect process claims compared to First American Home Warranty?
Empire Home Protect typically reviews claims within 24 to 48 hours. Customer reviews of First American Home Warranty report claim processing times that vary from days to weeks depending on the situation and documentation.
Can I switch from First American Home Warranty to Empire Home Protect?
Yes. You can enroll in Empire Home Protect at any time. If you already have a First American Home Warranty plan, you can run both until your First American Home Warranty coverage expires, or cancel First American Home Warranty per their cancellation policy. Call 1-888-211-4182 for help planning the switch.
Does Empire Home Protect cover the same systems as First American Home Warranty?
Yes. Both providers cover core home systems: HVAC, plumbing, electrical, water heater, and major appliances. Coverage caps and specific inclusions vary by plan tier on both sides — check each provider’s plan documents for details.
What is the 30-day money-back guarantee?
If you enroll in Empire Home Protect and decide within 30 days that the plan is not right for you, we refund your payment in full, no questions asked. After that, plans can be cancelled any time for a pro-rated refund.
See Your Empire Home Protect Plan and Price
Free quote in under two minutes. Plans from $49/mo. Cancel within 30 days for a full refund.
