Choice Home Warranty vs. HSA Home Warranty
Compare coverage, cost and reviews
 |  |
|---|---|
4.0
66,329 reviews
|
1.0
291 reviews
|
| No. of plans:2 | No. of plans:2 |
| Starting cost$46.83 | Starting cost$44.59 |
| Service fee$85 | Service fee$100 |
+1 more
Choice Home Warranty and HSA Home Warranty are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.
Choice Home Warranty is our recommendation for quick service. Most home warranty companies reach out to technicians within 48 hours of receiving a claim, but Choice contacts technicians more quickly — within four hours.
We recommend HSA Home Warranty if you are looking for a basic plan at a low price. The lowest-tier plan at HSA covers more systems and appliances than the starter plan offered by Choice.
Choice Home Warranty vs. HSA Home Warranty plans and pricing
Home warranty companies generally offer varying levels of coverage, but how companies separate their plans can be very different. Many companies split up coverage for appliances and systems.
Home warranty plans can be divided into three categories:
- Appliance plans cover common home appliances, including washers, ovens and refrigerators. Most appliance plans do not cover home electronics, including televisions, but some companies offer electronics coverage for an additional cost.
- System plans typically include coverage for your home’s plumbing, electrical and HVAC systems.
- Combo plans cover both systems and appliances, though not all combo plans provide the same level of coverage.
Take a look at what you want your plan to cover. If your appliances are new and covered under a manufacturer’s warranty, you can save money by choosing a plan that only covers your home’s systems.
Pricing for home warranty plans typically depends on your choice of service fee, which is your out-of-pocket cost when filing a claim. Choosing a lower service fee increases the plan's cost. If you don't expect to make many claims, a higher service fee might save you money overall.
Here's a breakdown of the cost of Choice Home Warranty and HSA Home Warranty plans based on the service fee you choose:
Choice Home Warranty 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: $560.00 per year
- Total plan: $660.00 per year
| Service fee | Basic | Total |
|---|---|---|
| $100 | $49.17 | $57.50 |
HSA Home Warranty pricing
HSA Home Warranty’s two plans have just one service fee option: $100. Additionally, there is no option to pay monthly for an HSA Home Warranty plan — you must pay for a year of coverage upfront.
| Service fee | Basic | Buyer 7-Star Upgrade |
|---|---|---|
| $100 | $535.00 | $684.00 |
*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. HSA Home Warranty coverage
Choice Home Warranty and HSA Home Warranty both offer a range of plans designed to protect your home's systems and appliances, but there are some notable differences in their coverage options.
Choice Home Warranty offers 2 plans, each of which cover both systems and appliances.
HSA Home Warranty offers two combo plans that each offer varying levels of coverage for systems and appliances in your home.
 |  | |
| 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. HSA Home Warranty add-ons
Choice Home Warranty and HSA Home Warranty also offer additional coverage options. These add-ons allow you to customize your home warranty coverage, ensuring that your plan includes protection for items that may not be included in the standard packages.
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 | $10.00 |
| Pool and spa | $15.00 |
| Additional spa | $15.00 |
HSA Home Warranty add-ons
HSA Home Warranty allows you to include up to 10 add-ons in your coverage. The monthly cost of popular add-ons is listed below:
| Optional coverage | Monthly cost |
|---|---|
| Stand-alone freezer | $3.33 |
| Septic pump | $8.33 |
| Well pump | $8.33 |
| Inground pool | $12.50 |
Choice Home Warranty vs. HSA Home Warranty reviews and ratings
We looked at thousands of reviews from real home warranty customers. Here’s what home warranty shoppers care about most:
- Technicians: Reviewers often mention the quality of a company’s in-network technicians. This typically relates to how quickly and adequately technicians identify and resolve issues with a home’s systems and appliances.
- Customer service: Being able to reach a representative easily and resolve account issues efficiently are the hallmarks of good customer service. Customer service reviews also frequently mention how knowledgeable and polite the company’s representatives are.
- Claims handling: Reviews about claims handling usually revolve around two things: speed and convenience. When customers complain about a poor claims process, it often relates to a slow response time for home repairs or a complicated system for submitting claims.
- Coverage: Reviewers who discuss coverage typically mention how well a home warranty company honors its contract (in the reviewer’s opinion). A denied claim or an unsatisfactory coverage limit frustrates customers and leads to poor reviews.
Below we break down what percentage of Choice Home Warranty and HSA Home Warranty customer reviews over the last year mentioning one these four important factors reflected a happy or satisfied customer. The closer a company is to a 100% satisfaction rate, the better it is in that area.
| Technicians | Customer service | Claims handling | Coverage | |
|---|---|---|---|---|
| Choice Home Warranty | 79% | 66% | 58% | 58% |
| HSA Home Warranty | 8% | 6% | 12% | 12% |
| Company | Customer rating | Starting cost | Service fee | Plans | Covered systems | Covered appliances | |
|---|---|---|---|---|---|---|---|
 | 3.9 | $29.99 | $100 or $125 | 3 | 14 | 9 | Learn more |
| 4.0 | $46.83 | $100 | 2 | 9 | 8 | Learn more |
 | 2.8 | $60.42 | $60 or $75 | 3 | 8 | 7 | Learn more |
 | 3.7 | $49.99 | $100 | 3 | 8 | 8 | Learn more |
 | 3.5 | $39.99 | $75 | 2 | 10 | 9 | Learn more |
 | 5.0 | $39.99 | $60 to $100 | 2 | 6 | 13 | Learn more |
 | 2.6 | $30 | $75 or $125 | 4 | 8 | 8 | Learn more |
 | 3.4 | $49.99 | $50 to $125 | 3 | 6 | 9 | Learn more |
 | 4.2 | $42 | $100 or $125 | 3 | 7 | 10 | Learn more |
 | 4.0 | $38.99 | $100, $125 or $150 | 3 | 10 | 12 | Learn more |
 | 4.0 | $50 | $100 or $125 | 3 | 10 | 10 | Learn more |
 | 2.3 | $41.99 | $70 to $150 | 3 | 6 | 12 | Learn more |
