Choice Home Warranty vs First American Home Warranty

Choice Home Warranty vs First American Home Warranty

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A home warranty, also known as a home service contract, can prevent a homeowner from paying expensive repair costs when a major system or appliance breaks down. In this article, the This Old House Reviews team compares leading home warranty providers Choice Home Warranty and First American Home Warranty on their plans, pricing, and customer reviews.

Choice Home Warranty and First American Home Warranty provide comprehensive coverage plans for major home systems and appliances such as a water heater and refrigerator. While Choice Home Warranty covers more items in its plans and offers more optional add-ons than First American Home Warranty, First American offers a unique First Class Upgrade and holds a Better Business Bureau (BBB) accreditation.

Continue reading to learn more about Choice Home Warranty and First American plans, pricing, and customer reviews, and determine which is the best home warranty company for you and your home.

Known for its affordable cost and 24/7 customer service, Choice Home Warranty will send a service contractor out to a customer’s home within two business days of receiving a claim. Because of these positive traits, we recognized Choice as the home warranty company with the best service.

To get $50 off your plan and one month of coverage for free, call Choice Home Warranty at

800-495-1292 or fill out this simple form.

Note: Choice Home Warranty is currently facing a lawsuit that alleges misleading language and advertising related to claims. To read more about this lawsuit, click here.

First American Home Warranty is one of the most popular home warranty companies in the industry.

We named First American as the home warranty company with the best value because of its affordable plans and coverage for improperly installed or maintained appliances and systems.

Get a free quote from First American Home Warranty by calling 833-777-0049 or by submitting this easy form.

Choice Home Warranty vs. First American Home Warranty Coverage Choice Home Warranty covers more items in its plans than First American Home Warranty, and it offers more optional add-ons for purchase. However, First American offers a unique optional add-on with its First Class Upgrade that provides coverage for cosmetic damage on home systems or appliances.

Choice Home Warranty Coverage Choice Home Warranty offers two plans: a Basic Plan and Total Plan. The Basic Plan covers 14 essential appliances and systems in the home, while the Total Plan covers 18 items, including coverage for an air conditioner, refrigerator, washer, and dryer.

Compare Choice Home Warranty coverage below: Choice Home Warranty also offers these nine optional add-ons: Stand alone freezer Second refrigerator Sump pump Septic system Limited roof leaks Pool and spa Well pump Septic tank pumping Central vacuum

First American Home Warranty Coverage Like Choice Home Warranty, First American Home Warranty offers two coverage plans: a Basic Plan and Premier Plan. The Basic Plan covers eight home appliances, while the Premier Plan covers 16 systems and appliances, including coverage for heating, electrical, and plumbing systems.

Here’s what each First American plan covers: Additionally, First American Home Warranty offers these five optional add-ons:

Central air conditioning system Well pump Pool and spa equipment Secondary refrigeration First Class Upgrade* *In addition to covering systems and appliances if they were improperly installed, modified, or maintained, the First American First Class Upgrade comes with these benefits: 1. Covers expenses from using cranes during installation 2. Covers expenses related to the hauling away or removal of an appliance 3. Pays up to $250 where local building permits are required for replacing appliances

Choice Home Warranty vs. First American Home Warranty Cost Choice Home Warranty and First American Home Warranty offer affordable monthly premiums, but First American offers a lower premium cost than Choice Home Warranty. Regarding service fees, both providers allow you to select your own service fee within a given range, with Choice Home Warranty offering cheaper service call fees.

Note: The cost of a home warranty is affected by factors like the square footage of your home and where you live, so the best way to determine how much a home warranty plan will cost is by requesting a free quote from a few different home warranty companies.

Choice Home Warranty vs. First American Home Warranty Reviews First American Home Warranty is accredited by the BBB and received a slightly more positive rating from the organization than Choice Home Warranty did. Regarding customer reviews, First American Home Warranty reviews are slightly more positive, on average, than Choice Home Warranty reviews.

Our Conclusion Choice Home Warranty and First American Home Warranty both offer reputable home warranty plans at affordable prices. If you’re looking for basic coverage, consider Choice Home Warranty, but if you want protection for items that have been improperly installed or maintained, First American may be a better option.

Before you buy a home warranty, we recommend getting free quotes using the panel below to help you decide which provider is the best fit for your home warranty needs.

Compare Top-Rated Home Warranty Providers If you’re still not sure whether Choice Home Warranty or First American Home Warranty are right for you, take a look at other top-rated home warranty providers below.

Frequently Asked Questions About Home Warranties Is a home warranty worth it?

A home warranty can be beneficial for homeowners because it protects them from paying expensive home repair costs when their systems or appliances are damaged from normal wear and tear. When a system or appliance needs to be repaired or replaced, you simply pay a small service fee of about $75 to $125 instead of paying thousands of dollars out of pocket on expensive repair or replacement costs.

What is the difference between homeowners insurance and a home warranty?

A home warranty protects your home’s systems and appliances from damage caused by normal wear and tear, while homeowners insurance protects your home when it’s damaged from a natural disaster or theft.

What is the waiting period on a home warranty?

For most home warranty companies, including Choice Home Warranty and First American Home Warranty, there’s a 30-day waiting period before coverage kicks in and you can submit a claim.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhouse.com.