ServicePlus Home Warranty vs. First American Home Warranty

What is the difference between ServicePlus Home Warranty and First American Home Warranty?

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.

Cost

Monthly premium cost	$53.67 to $60.33	$38 to $48.50
Average cost for combo plan	$56.17 (Platinum)	$48.50
Annual premium cost	$569 to $649	$420 to $546
Service call fee	$75	$85
Discounts available	2 months free and limited roof coverage with annual payment	Discount for paying annually

	$53.67 to $60.33	$56.17 (Platinum)	$569 to $649	$75	2 months free and limited roof coverage with annual payment
	$38 to $48.50	$48.50	$420 to $546	$85	Discount for paying annually

Plans

Plans available	Gold, Platinum	Basic Plan, Premier Plan
Covered systems	9	7
Covered appliances	7	10
Combo plan covered items	16	17
Service recall period	30 days	Not specified
Availability	43 states	29 states

	Gold, Platinum	9	7	16	30 days	43 states
	Basic Plan, Premier Plan	7	10	17	Not specified	29 states

Appliances coverage

Built-in food centers	—	—
Built-in microwaves
Clothes dryers
Clothes washers
Dishwashers
Ice maker	Add-on	—
Instant hot/cold water dispensers	—	—
Ranges, ovens and cooktops
Refrigerators
Trash compactors
Water sensors	—
Whirlpool bathtub

—

Add-on

—

—

—

—

—

Systems coverage

Air conditioning		Add-on
Ceiling fans		—
Central vacuums	Add-on
Doorbells	—	—
Ductwork
Electrical
Garage door openers
Garbage disposals
Heating
Plumbing
Smoke detectors	—	—
Water heaters

Add-on

—

—

Add-on

—

—

—

Other coverage

Guest unit	—	—
Pools	Add-on	Add-on
Roof leak repairs	Add-on	—
Second refrigerator	Add-on	—
Septic pump	Add-on	Add-on
Spas	Add-on	Add-on
Stand-alone freezer	Add-on	—
Well pump	—	Add-on

	—	Add-on	Add-on	Add-on	Add-on	Add-on	Add-on	—
	—	Add-on	—	—	Add-on	Add-on	—	Add-on

Reputation on ConsumerAffairs

Overall star rating	3.3	3.9
Verified customer reviews	Read reviews	Read reviews

	3.3	Read reviews
	3.9	Read 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.

ServicePlus Home Warranty

ServicePlus Home Warranty, formerly called Total Home Protection, offers home warranty plans that include a combination of systems and appliances coverage. It provides a 30-day money-back guarantee, and customers have access to an online portal and claims center.

ServicePlus Home Warranty plans

ServicePlus Home Warranty has two plans:

• Gold: Gold is ServicePlus’s more basic package. Coverage includes your home’s plumbing system (and stoppages), water heater, whirlpool tub, electrical system, oven, range, stove, cooktop, sump pump, built-in microwave, dishwasher, garbage disposal, trash compactor, ductwork, garage door opener and ceiling and exhaust fans.
• Platinum: Platinum includes everything covered in the Gold package plus additional coverage for your air conditioning system, heating system, washer, dryer and refrigerator.

Add-on coverage is available for both packages. This includes options for your:

• Pool
• Spa
• Roof leaks (limited)
• Central vacuum
• Sump pump
• Well pumps
• Septic system
• Septic plumbing
• Second refrigerator
• Stand-alone freezer
• Water softener
• Ice maker

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.

First American Home Warranty

First American Home Warranty provides you with access to a 24/7 online portal and claims center for a relatively low price. The company prescreens technicians, and it has a policy to replace things that cannot be repaired.

First American Home Warranty plans

First American Home Warranty offers two home warranty plans. One focuses on appliances, and the other has a combination of appliances and systems coverage.

• Basic Plan: The Basic Plan includes coverage for your garbage disposal, dishwasher, oven range, cooktop, microwave, trash compactor, washer-dryer and refrigerator.
• Premier Plan: The Premier Plan covers everything in the Basic Plan plus your home’s plumbing (including stoppages), water heater, heating system, ductwork, electrical system, garage door opener and central vacuum system.

Other coverage options are available for an additional fee. These include your central air conditioning, pool, spa, well pump, additional refrigeration and a suite of coverages the company calls its First Class Upgrade.

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.

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.