First American Home Warranty
First American’s home warranty business is a segment of the title insurer we profile in our lenders section, so it reports its claims cost. In 2025 claims were 41.4% of premiums, down from 46.4% in 2024 and 48.8% in 2023, while pretax margin rose to 19.5%. The filing says premiums rose mainly because the average price per policy went up. It operates in 36 states and DC, so check whether it covers yours.
Last verified: 2026-10-20
Unscored
Segment of a public title insurer.
Not scored in this section.
At a glance
| Legal entity | Home warranty segment of First American Financial Corporation (NYSE: FAF) |
| Headquarters | Not stated in the passages we read |
| Segment | Home warranty companies |
| Scale (as published) | $442.9M segment revenue (2025); operates in 36 states and DC |
| Score | Unscored |
What the sources reveal
First American’s home warranty business is a segment of the title insurer we profile in our lenders section, so it reports its claims cost. In 2025 claims were 41.4% of premiums, down from 46.4% in 2024 and 48.8% in 2023, while pretax margin rose to 19.5%. The filing says premiums rose mainly because the average price per policy went up. It operates in 36 states and DC, so check whether it covers yours.
Key facts
| Fact | Source | Checked |
|---|---|---|
| Home warranty segment revenue $442.9M in 2025 ($425.7M in 2024); direct premiums $415.2M. | source | |
| Provision for claims was 41.4% of home warranty premiums in 2025, 46.4% in 2024 and 48.8% in 2023. | source | |
| Pretax income $86.5M; pretax margin 19.5% in 2025 (15.1% in 2024). | source | |
| Direct premium growth was primarily from higher average price per policy. | source | |
| Operates in 36 states and the District of Columbia. | source | |
| Home warranty business is subject to CFPB regulation and, in some states, to insurance regulators. | source |
Who it’s actually for
- Buyers and sellers in the 36 states it serves, often through a title or escrow closing.
What we could not verify
- Number of contracts in force.
- Plan prices.
Related
Frontdoor (American Home Shield) vs First American Home Warranty · Home services hub · All profiles · Parent profile: First American (lenders and title)
Last verified 2026-10-20. Figures were re-read from the linked sources that day.
View changelog
- Profile published from sources read this day.
Sources
- First American Financial Form 10-K for 2025 · accessed 2026-10-20
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