Choice Home Warranty vs. Home Warranty of America
Compare coverage, cost and reviews
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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 make your choice easier by breaking down two home warranty companies — Choice Home Warranty and Home Warranty of America — side by side.
Choice Home Warranty vs. Home Warranty of America cost
While Home Warranty of America's monthly premiums are lower for basic coverage, Choice Home Warranty is the more economical choice for comprehensive, high-tier plans. Another key cost to consider is the service fee, which is the amount you pay for a technician's visit; Home Warranty of America has a lower entry point for this one-time cost.
Choice Home Warranty plans and pricing
Choice Home Warranty offers two plans, but its service fee is always $100. You can get a discounted rate on either plan by paying annually instead of monthly:
- Basic plan: $560 per year
- Total plan: $660 per year
| Service fee | Basic | Total |
|---|---|---|
| $100 | $49.17 | $57.50 |
Home Warranty of America plans and pricing
You can select a service fee of $75 or $100 from Home Warranty of America. The monthly pricing in the plans below is based on a $100 service fee — we were unable to get a quote for the lower service fee, but we assume it’s a higher monthly rate.
Home Warranty of America offers a discount when you pay annually rather than monthly:
- Premier plan: $550 per year
- Premier Plus plan: $700 per year
| Service fee | Premier | Premier Plus |
|---|---|---|
| $100 | $48.33 | $60.84 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
Choice Home Warranty vs. Home Warranty of America coverage
Both Choice Home Warranty and Home Warranty of America build their coverage on all-in-one plans, meaning even their basic packages protect both systems and appliances. Their coverage approach is very similar at the entry-level. This similarity continues as you move up to their higher-priced tiers, where both offer robust protection for a comparable list of major home items.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
Choice Home Warranty vs. Home Warranty of America add-ons
Choice Home Warranty offers a wider variety of specialty add-ons including coverage for septic systems, septic tank pumping and a second refrigerator. Home Warranty of America covers the basics like pool and spa protection but has fewer unique options. Both companies provide coverage for well pumps.
Choice Home Warranty add-ons
You can choose to include up to 12 add-ons with any Choice Home Warranty plan. Here’s the monthly pricing for these additional coverage items:
| Optional coverage | Monthly cost |
|---|---|
| Ice maker | $2.08 |
| Second refrigerator | $3.33 |
| Stand-alone freezer | $3.33 |
| Sump pump | $3.33 |
| Central vacuum | $3.33 |
| Septic tank pumping | $5.42 |
| Roof leak repair | $5.83 |
| Well pump | $8.33 |
| Sprinkler system | $8.33 |
| Septic system | $10 |
| Pool and spa | $15 |
| Additional spa | $15 |
Home Warranty of America add-ons
You can choose up to 10 add-ons to customize your plan with Home Warranty of America. Some of the most popular add-ons’ monthly costs are listed below:
| Optional coverage | Monthly cost |
|---|---|
| Stand-alone freezer | $3.00 |
| Septic tank pumping | $4.54 |
| Septic system | $5.31 |
| Well pump | $6.08 |
| Second refrigerator | $7.62 |
| Pool and spa | $19.15 |
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.”
– Farah of Dallas, TX
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.”
– 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.
