Home warranties are a good way to protect yourself from expensive home repair bills not covered by insurance. Finding a company that fits your needs and budget can be tough, though. That’s why we’ve broken down two home warranty companies side by side to make your decision easier.
ServicePlus Home Warranty vs. First American Home Warranty cost
When comparing costs, ServicePlus Home Warranty has a lower potential service fee, the amount paid when a technician visits. However, First American Home Warranty's monthly premiums start at a lower price point for its basic plans. For customers seeking the most comprehensive coverage, First American Home Warranty offers a more affordable top-tier plan.
ServicePlus Home Warranty plans and pricing
ServicePlus Home Warranty’s two plans always have a $75 service fee, which is your out-of-pocket expense when you file a claim. You can get a discounted rate if you opt to pay annually rather than monthly:
- Gold plan: $849 per year
- Platinum plan: $999 per year
| Service fee | Gold | Platinum |
|---|---|---|
| $75 | $87.42 | $99.92 |
First American Home Warranty plans and pricing
You can select a service fee of $100 or $125 with First American Home Warranty. You’ll pay $25 more out of pocket for repairs with the higher service fee, but your plan will cost you $5 less monthly.
| Service fee | Starter | Essential | Premium |
|---|---|---|---|
| $100 | $47 | $62 | $82 |
| $125 | $42 | $57 | $77 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
ServicePlus Home Warranty vs. First American Home Warranty coverage
Both ServicePlus Home Warranty and First American Home Warranty 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 and 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 | | |
ServicePlus Home Warranty vs. First American Home Warranty add-ons
When comparing optional add-ons First American Home Warranty offers unique coverage for electronics protection and guest units. ServicePlus Home Warranty provides a more standard list of extras. They both offer common options like pool and spa coverage and well pumps.
ServicePlus Home Warranty add-ons
You can cover up to 20 additional items with ServicePlus Home Warranty’s add-on options. Here are the monthly costs for some of the most popular add-ons:
| Optional coverage | Monthly cost |
|---|---|
| Sump pump | $2.08 |
| Central vacuum | $2.08 |
| Second refrigerator | $2.92 |
| Stand-alone freezer | $2.92 |
| Roof leak repair | $4.17 |
| Septic tank pumping | $5 |
| Well pump | $6.25 |
| Guest unit | $12.50 |
| Spa | $12.50 |
First American Home Warranty add-ons
If you’d like additional coverage, First American Home Warranty lets you pick up to 12 add-ons. Here’s the monthly cost of the most popular options:
| Optional coverage | Monthly cost |
|---|---|
| Septic pump | $4.99 |
| Roof leak repair | $9.99 |
| Well pump | $9.99 |
| Guest unit | $12.99 |
| Pool and spa | $20.99 |
What ServicePlus Home Warranty customers say
ServicePlus Home Warranty generally has positive reviews on our site. Many customers say the representatives take time to answer questions and concerns. However, some customers have expressed concern with unresponsive service when dealing with claims and other issues.
Total Home was recommended to me by a friend and signing up was great. I understood everything the reps were talking about. They explained the policy to me very well. I'm satisfied.”
– Brian of New Orleans, LA
What First American Home Warranty customers say
First American Home Warranty customers usually speak positively about the company. They are generally pleased with the technicians/contractors that the company partners with, and they say that the company’s representatives are polite and the claims process is easy. However, some customers are frustrated with the amount of time claims are open and express dissatisfaction with customer service.
I've had two claims since I switched to First American a couple of years ago and it's been okay. When I make a call with an issue, they immediately process the claim and connect me with a provider. Also, I'm satisfied with the technicians they've sent out and the quality of work.”
– William of Olympia, WA
Bottom line: ServicePlus Home Warranty or First American Home Warranty?
ServicePlus Home Warranty and First American Home Warranty offer similar home warranty options. Both have packages that combine coverage for appliances and home systems, and both offer discounts if you pay for a year’s worth of coverage upfront.
- ServicePlus Home Warranty is best for people who want more add-on options.
- First American Home Warranty is best for people who only want coverage for appliances.
