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ServicePlus Home Warranty vs. First American Home Warranty

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Written by Courtney Hamar
Edited by Vincent Landino
First American Home Warranty and ServicePlus 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.


serviceplus home warranty logofirst american home warranty logo
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 available2 months free and limited roof coverage with annual paymentDiscount for paying annually
serviceplus home warranty logo$53.67 to $60.33$56.17 (Platinum)$569 to $649$752 months free and limited roof coverage with annual payment
first american home warranty logo$38 to $48.50$48.50$420 to $546$85Discount for paying annually


serviceplus home warranty logofirst american home warranty logo
Plans availableGold, PlatinumBasic Plan, Premier Plan
Covered systems97
Covered appliances710
Combo plan covered items1617
Service recall period30 daysNot specified
Availability43 states29 states
serviceplus home warranty logoGold, Platinum971630 days43 states
first american home warranty logoBasic Plan, Premier Plan71017Not specified29 states

Appliances coverage

serviceplus home warranty logofirst american home warranty logo
Built-in food centers
Built-in microwaves
Clothes dryers
Clothes washers
Ice makerAdd-on
Instant hot/cold water dispensers
Ranges, ovens and cooktops
Trash compactors
Water sensors
Whirlpool bathtub
serviceplus home warranty logoAdd-on
first american home warranty logo

Systems coverage

serviceplus home warranty logofirst american home warranty logo
Air conditioningAdd-on
Ceiling fans
Central vacuumsAdd-on
Garage door openers
Garbage disposals
Smoke detectors
Water heaters
serviceplus home warranty logoAdd-on
first american home warranty logoAdd-on

Other coverage

serviceplus home warranty logofirst american home warranty logo
Guest unit
Roof leak repairsAdd-on
Second refrigeratorAdd-on
Septic pumpAdd-onAdd-on
Stand-alone freezerAdd-on
Well pumpAdd-on
serviceplus home warranty logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
first american home warranty logoAdd-onAdd-onAdd-onAdd-on

Reputation on ConsumerAffairs

serviceplus home warranty logofirst american home warranty logo
Overall star rating3.33.9
Verified customer reviewsRead reviewsRead reviews
serviceplus home warranty logo3.3Read reviews
first american home warranty logo3.9Read 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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    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.

    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

    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.

    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.
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