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Choice Home Warranty vs. First American Home Warranty

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Written by Leorah Gavidor
Edited by Jon Bortin

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    Choice Home Warranty and First American Home Warranty

    What is the difference between Choice Home Warranty and First American Home Warranty?

    To help make the choice of a home warranty provider easier, we did a side-by-side comparison of Choice Home Warranty and First American Home Warranty. We analyzed what items are covered, premiums, service call fees, optional coverages, extra benefits and customer reviews. Keep reading for help deciding which provider is right for your home and budget.

    Cost

    choice home warranty logofirst american home warranty logo
    Monthly premium cost$46.83 to $54.75$38 to $48.50
    Average cost for combo plan$54.75 (Total plan)$48.50
    Annual premium cost$532 to $627 (for 13 months)$420 to $546
    Service call fee$85$85
    Discounts availableDiscounts for paying annually; free 13th monthDiscount for paying annually
    choice home warranty logo$46.83 to $54.75$54.75 (Total plan)$532 to $627 (for 13 months)$85Discounts for paying annually; free 13th month
    first american home warranty logo$38 to $48.50$48.50$420 to $546$85Discount for paying annually

    Plans

    choice home warranty logofirst american home warranty logo
    Plans availableBasic, TotalBasic Plan, Premier Plan
    Covered systems87
    Covered appliances810
    Combo plan covered items1617
    Service recall period30 days for labor; 90 days for partsNot specified
    Availability48 states29 states
    choice home warranty logoBasic, Total881630 days for labor; 90 days for parts48 states
    first american home warranty logoBasic Plan, Premier Plan71017Not specified29 states

    Appliances coverage

    choice home warranty logofirst american home warranty logo
    Built-in food centers
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ice maker
    Instant hot/cold water dispensers
    Ranges, ovens and cooktops
    Refrigerators
    Trash compactors
    Water sensors
    Whirlpool bathtub
    choice home warranty logo
    first american home warranty logo

    Systems coverage

    choice home warranty logofirst american home warranty logo
    Air conditioningAdd-on
    Ceiling fans
    Central vacuumsAdd-on
    Doorbells
    Ductwork
    Electrical
    Garage door openers
    Garbage disposals
    Heating
    Plumbing
    Smoke detectors
    Water heaters
    choice home warranty logoAdd-on
    first american home warranty logoAdd-on

    Other coverage

    choice home warranty logofirst american home warranty logo
    Guest unitAdd-on
    PoolsAdd-onAdd-on
    Roof leak repairsAdd-on
    Second refrigeratorAdd-on
    Septic pumpAdd-onAdd-on
    SpasAdd-onAdd-on
    Stand-alone freezerAdd-on
    Well pumpAdd-onAdd-on
    choice home warranty logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    first american home warranty logoAdd-onAdd-onAdd-onAdd-on

    Reputation on ConsumerAffairs

    choice home warranty logofirst american home warranty logo
    Overall star rating4.03.9
    Verified customer reviewsRead reviewsRead reviews
    choice home warranty logo4.0Read reviews
    first american home warranty logo3.9Read reviews

    All prices are based on a quote for a house of less than 5,000 square feet in Austin, Texas. All information is accurate as of publishing.

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      Choice Home Warranty

      Choice Home Warranty has covered more than a million homes across the U.S. and has been in business for over 13 years. It sells two plans — Basic and Total — and a number of add-on coverages. The service call fee is $85. You can make a claim 24/7 using your online account or by calling, and CHW schedules a visit from a licensed and insured local service provider. CHW lets you transfer your contract at no charge if you sell your home. Plans are available in all states except California and Washington.

      Choice Home Warranty plans

      • The Basic plan covers the heating system, water heater, electrical system, plumbing system, plumbing stoppage, oven/range/stove, built-in microwave, cooktop, dishwasher, garbage disposal, ceiling and exhaust fans, ductwork, garage door opener and whirlpool bathtub.
      • The Total plan includes everything in the Basic plan, plus coverage for the air conditioning system, washer, dryer and kitchen refrigerator.
      • Optional coverage is available for a pool/spa, central vacuum, second refrigerator, well pump, limited roof leak, stand-alone freezer, sump pump, septic system and septic tank pumping.

      What Choice Home Warranty customers say

      Choice Home Warranty reviewers point out helpful customer service, quick response times and punctual and professional contractors. A few customers noted how easy it was to file a claim. Others experienced denied claims or found that the coverage they paid for was not adequate to cover needed repairs.

      Called and made a claim and within an hour emailed that technician would contact me. Four hours later my A/C was working again. Technician was cordial and knowledgeable. Great Service and was very appreciative he could come so quickly. I will not hesitate to call Choice in the future.”

      Dolores of Slidell, LA

      First American Home Warranty

      First American Home Warranty, founded in 1984, has over 590,000 customers throughout the country. It offers two plans — Basic and Premier — with over 94% of customers choosing the Premier Plan, according to the company. Optional add-ons are also available, including the First Class Upgrade, which covers costs for building permits, hauling away of old items being replaced and repair of improperly installed systems and appliances. Each plan has an $85 service call fee. First American has 24/7 claims service online and by phone and a network of prescreened, independent service providers.

      First American Home Warranty plans

      • The Basic Plan covers appliances including your refrigerator, dishwasher, cooktop, oven range, microwave, garbage disposal, trash compactor, washer and dryer.
      • The Premier Plan covers everything in the Basic Plan, plus plumbing and plumbing stoppages, heating system, water heater, electrical system, central vacuum system, ductwork and garage door openers.
      • Optional coverages are available for air conditioning, an additional refrigerator, well pump, pool and spa. You can also add the First Class Upgrade, which covers fees for cranes and other lifting equipment for service of rooftop systems, building permits for replacement items, hauling away of old items when they're replaced and additional parts and components of covered items.

      What First American Home Warranty customers say

      Overall, First American Home Warranty customers describe satisfactory resolutions of their claims. Reviewers liked the contractors the company sent to perform repairs, with one expressing appreciation for how the workers left her home spotless after completing the job. Other customers encountered unexpectedly denied claims and delays in responses from customer service and contractors.

      I was very happy with the repair of my microwave. I was called the same day as I requested repair and it was repaired the next day. The repairman was polite and considerate and finished the repair in a timely manner. Thank you for the service.”

      Marilyn of Pahrump, NV

      Bottom line: Choice Home Warranty or First American Home Warranty?

      First American Home Warranty’s average costs for home warranty plans are a bit cheaper, but Choice Home Warranty covers both appliances and systems in its Basic plan (First American only covers appliances in its Basic plan). CHW also is available in more states and has slightly better (and significantly more) reviews, on balance, than First American on ConsumerAffairs.

      • Choice Home Warranty is best for homeowners, buyers or sellers who want to cover both appliances and systems.
      • First American Home Warranty is best for customers who want to cover appliances only or want a cheaper combo plan (but keep in mind air conditioning coverage is an add-on).
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