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Choice Home Warranty vs. Home Warranty of America

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Choice Home Warranty

What is the difference between Choice Home Warranty and Home Warranty of America?

Home warranties are useful when essential household systems and appliances break down. But with considerations like cost, service call fees and coverage, it can be hard to find the right warranty company to work with. We are here to help by breaking down two home warranty companies —Choice Home Warranty and Home Warranty of America — side by side to help make your choice easier.


choice home warranty logohome warranty of america logo
Monthly premium cost$46.83 to $54.75$43 to $55.31
Average cost for combo plan$54.75 (Total plan)$55.31 (Premier Plus)
Annual premium cost$532 to $627 (for 13 months)$516 to $663.72
Service call fee$85$75 or $100
Discounts availableDiscounts for paying annually; free 13th monthNot specified
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
home warranty of america logo$43 to $55.31$55.31 (Premier Plus)$516 to $663.72$75 or $100Not specified


choice home warranty logohome warranty of america logo
Plans availableBasic, TotalPremier, Premier Plus
Covered systems810
Covered appliances810
Combo plan covered items1620
Service recall period30 days for labor; 90 days for parts90 days on parts; 30 days on labor
Availability48 states50 states
choice home warranty logoBasic, Total881630 days for labor; 90 days for parts48 states
home warranty of america logoPremier, Premier Plus10102090 days on parts; 30 days on labor50 states

Appliances coverage

choice home warranty logohome warranty of america 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
home warranty of america logo

Systems coverage

choice home warranty logohome warranty of america logo
Air conditioning
Ceiling fans
Central vacuumsAdd-on
Garage door openers
Garbage disposals
Smoke detectors
Water heaters
choice home warranty logoAdd-on
home warranty of america logo

Other coverage

choice home warranty logohome warranty of america logo
Guest unitAdd-onAdd-on
Roof leak repairsAdd-onAdd-on
Second refrigeratorAdd-onAdd-on
Septic pumpAdd-onAdd-on
Stand-alone freezerAdd-onAdd-on
Well pumpAdd-onAdd-on
choice home warranty logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
home warranty of america logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on

Reputation on ConsumerAffairs

choice home warranty logohome warranty of america logo
Overall star rating4.03.7
Verified customer reviewsRead reviewsRead reviews
choice home warranty logo4.0Read reviews
home warranty of america logo3.7Read 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 offers two home warranty plans, each with an $85 service call fee. Both plans cover systems and appliances. Customers can make claims 24/7 either by using the online account center or calling. It works with prescreened local contractors for repair work. Coverage is available in every state except Washington and California.

    Choice Home Warranty plans

    Choice Home Warranty offers two plans: Basic and Total.

    • Basic: The Basic plan covers the electrical system, plumbing system, plumbing stoppage, heating system, oven/range/stove, ductwork, water heater, cooktop, whirlpool bathtub, garage door opener, ceiling fan, kitchen exhaust fan, dishwasher, garbage disposal and built-in microwave.
    • Total: The Total plan covers everything in the Basic plan, plus your air conditioning system, refrigerator, washer and dryer.

    Choice Home Warranty also offers add-on coverage for a pool/spa, limited roof leak, well pump, septic system, sump pump, septic tank pumping, stand-alone freezer, second refrigerator and central vacuum.

    What Choice Home Warranty customers say

    Choice Home Warranty customers rate the company positively on ConsumerAffairs. Customers are pleased with knowledgeable and friendly technicians. Additionally, customers have said the claims process is quick and easy. Some customers have expressed frustration with long waits for essential repairs.

    Best home warranty company! Have used many before but this is by far the best. Great prices and very fast to send someone professional as soon as possible. Highly recommend. Will definitely use them whenever I can. The person who set it up was very kind and knowledgeable too.”

    Farah of Dallas, TX

    Home Warranty of America

    Home Warranty of America has two home warranty plans and service call fees of $75 and $100, depending on the plan and state where you live. Plans cover systems and appliances, but the higher-end Premier Plus option covers more parts and components per item. Customers can make claims 24/7 online or by phone to get service from a prescreened, licensed service technician. Coverage is available in all 50 states.

    Home Warranty of America plans

    • Premier: With the Premier plan, you get “basic coverage” for your heating system, water heater, plumbing system, dishwasher, built-in microwave, range/oven/cooktop, trash compactor and garage door system. You also have coverage for your electrical system, ductwork, whirlpool bathtub, permanent sump pump, washing machine, dryer, refrigerator, garbage disposal, central vacuum, ceiling fans, exhaust fans, doorbell and burglar and fire alarm systems.
    • Premier Plus: Home Warranty of America’s Premier Plus plan includes coverage for everything offered in the Premier plan, with “premium coverage” instead of basic coverage, which protects more components in certain items. Premier Plus also covers your air conditioning system.

    Home Warranty of America also offers optional coverage for roof leak repair, a pool and spa, stand-alone freezer, second refrigerator, well pump and septic tank pumping. You can add the Green Plus option, which replaces covered systems and appliances with Energy Star-certified products. The Orange Plus add-on covers re-keying, removal of defective equipment, code violations and permits up to $250, increased toilet replacement up to $600 and more.

    What Home Warranty of America customers say

    Reviews for Home Warranty of America are mixed on ConsumerAffairs. Many say that customer service is top-notch and representatives are helpful. Additionally, customers are happy with the quick turnaround after a claim is filed. On the other hand, some customers say claims have been closed out before repairs are completed and are dissatisfied with service from representatives.

    They were quick, no fuss, and got somebody out there. It was middle of summer and the AC went out. It was probably 30 minutes that they had somebody set up and on the way. A technician came out and fixed it and I totally recommend that AC service. ...”

    Brian of Wake Village, TX

    Bottom line: Choice Home Warranty or Home Warranty of America?

    Choice Home Warranty and Home Warranty of America both provide similar options for home warranties, with two plans that cover systems and appliances. The prices are also comparable: You can expect to pay around $55 per month for each company’s higher-end plan (though the service call fee is different). Home Warranty of America offers customers the ability to cover a slightly wider variety of household items.

    • Choice Home Warranty is best for customers who want coverage for both systems and appliances from an experienced home warranty company that has protected over 1 million homes in the U.S.
    • Home Warranty of America is best for homeowners who want more coverage depth and add-on options.
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