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Choice Home Warranty vs. First American Home Warranty

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.


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


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
Ice maker
Instant hot/cold water dispensers
Ranges, ovens and cooktops
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
Garage door openers
Garbage disposals
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
Roof leak repairsAdd-on
Second refrigeratorAdd-on
Septic pumpAdd-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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    The ConsumerAffairs Research Team believes everyone deserves to make smart decisions. We aim to provide readers with the most up-to-date information available about today's consumer products and services.