First American Home Warranty vs Choice Home Warranty

Kalicia Bateman
Kalicia Bateman | Contributor

First American Home Warranty and Choice Home Warranty are both well-known companies in the industry, offering a variety of coverage and plan options.

Industry experience isn’t a deal breaker in deciding between home warranty companies, but First American has been in the home warranty business for 35 years, whereas Choice has been in business for 14 years. However, Choice’s home warranty services are available in all 50 states, while First American’s services are only available in 30 states.

Overall, the companies are comparable in what home warranty services they offer, as well as in customer reviews.

First American Home Warranty logo
#5 First American Home Warranty
7.4 Overall Score
4.0
star star star star star_border
(3,895)
Choice Home Warranty logo
#2 Choice Home Warranty
8.2 Overall Score
3.8
star star star star star_border
(28,849)

Overview

First American Home Warranty

Number of Plans

2

Service Fee

Undisclosed

Contract Options Available

Annual

Home Inspection Required

N/A

Time in Business

38 Years

Choice Home Warranty

2

$85

N/A

No

14 Years

Ratings

First American Home Warranty

Overall Score
7.4 of 10
Review Score
4.0
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Value for Money
3.8
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Quality of Product or Service
3.8
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Company Trustworthiness
3.8
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Likely to Recommend
7.4 of 10

Choice Home Warranty

8.2 of 10
3.8
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3.7
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3.7
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3.7
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6.7 of 10

Pros & Cons

First American Home Warranty

PROS

  • 24/7 claims filing
  • Customizable plans

CONS

  • 2 plan options
  • No online sample contract

Choice Home Warranty

PROS

  • Customizable plans
  • 30-day repair guarantee
  • Transferrable contracts
  • Plans for homeowners and real estate professionals

CONS

  • 2 plan options
  • 30-day waiting period
  • Service fees charges for cancellation

Reviews

First American Home Warranty

Number of Reviews
3,895
Review Breakdown
4.0
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1 star
17%
2 star
3%
3 star
6%
4 star
15%
5 star
58%

Choice Home Warranty

28,849
3.8
star star star star star_border
1 star
17%
2 star
6%
3 star
10%
4 star
13%
5 star
53%

Reviews for First American Home Warranty

Helpful Favorable Review

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Kathy

November 10th, 2022

DETAILS

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Verified Customer

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Review Source

Horrible experiences when I have to get permission for an outside contractor when. They don't have a contractor in my area that works with them. Enormous amount of time to wait to get permission. Took over 10 hours to get this permission and all the while I had raw sewage in my home that we had to endure.

Helpful Critical Review

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Alan Neff

December 1st, 2022

DETAILS

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Review Source

First American denied a claim for a washer because the stainless steel drum had a lifetime warranty. They said that if any part of the appliance is under warranty that the entire appliance is not covered by the home warranty.

Reviews for Choice Home Warranty

Helpful Favorable Review

star star star star star

Lenora Coleman

December 6th, 2022

DETAILS

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Review Source

For some reason, the company did not have me on the schedule on Monda. Since they did not arrive as scheduled, I called, and they scheduled me for the next day. After an hour (running the snake) I was able to use my kitchen sink, washer, and toilet.

Helpful Critical Review

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Margie Albrecht

December 4th, 2022

DETAILS

we have not had good service because CHW does not have service people who could repair our covered hot tub and pool. technician. Then 2 different companies accept the posted repair. Had a date and time. They did not call or show up. You offer us a solution of finding our own People just don’t want to work with home warranty companies. We were out the cost of the policy plus the entire repair of the appliance. CHW did not offer to cover any of the cost. On 2 calls CHW came out and stated, we can’t repair it because it’s too old, took the service call fee, then left.

The Final Word

First American Home Warranty and Choice Home Warranty offer similar plans, coverage, and service. Let’s take an inside look at how they compare:

Service Fee
Home Warranty Cost
Contract
Basic Coverage
Combo Coverage
Add-On Coverage
Build-Your-Own Coverage
Waiting Period
Licensed Contractors
24/7 Claims Service
Time in Business
Customer Reviews
First American Home Warranty vs. Choice Home Warranty: Which is Better?

Service Fee (Winner: First American and Choice)

First American Home Warranty service fees vary by location, and you can get an exact fee estimate by getting a free online quote. However, starting service fees typically range from $75 to $85.

Choice Home Warranty has a set service fee of $85 no matter the cost or repair or replacement. This fee is paid directly to the technician that comes to your home, and eligible discounts can be applied. 

Home Warranty Cost (Winner: Choice Home Warranty)

At first glance, First American Home Warranty has lower plan costs, but Choice Home Warranty has more comprehensive plan options.

First American Home Warranty costs range from $28 to $42.50 per month ($336 to $510 per year), and for any add-on coverage you will have to pay extra for each additional service/system.

Choice Home Warranty costs range from $43.75 to $52.50 per month ($495 to $600 per year), and you will be charged for any add-on coverage. However, you will have a flat service fee of $85. Therefore, you might have more of an opportunity to save money on larger appliances and systems because your service fee won’t rise or fall with specific services, which would be the case with First American Home Warranty.

It is important to assess your specific home warranty needs to make a decision between the two companies.

Contract (Winner: Choice Home Warranty)

Both First American Home Warranty and Choice Home Warranty have one-year contracts. However, Choice offers increased flexibility with a transferable service contract, meaning that if you have an existing contract with another company, Choice’s contract will begin immediately when the other ends. In addition, Choice offers one month of free service with the purchase of either its single-payment or one-year home warranty plans.

Basic Coverage (Price Winner: First American; Coverage Winner: Choice)

  • First American Home Warranty Basic Plan: $28 per month ($336 per month)
  • Choice Home Warranty Basic Plan: $43.75 per month ($495 per year)
 

First American Home Warranty
Basic Plan

Choice Home Warranty 
Basic Plan

Clothes Washer and Dryer

Refrigerator

Dishwasher

Oven Range/Stovetop

Microwave

Garbage Disposal

Trash Compactor

Heating System

Electrical System

Plumbing System

Plumbing Stoppage

Water Heater

Whirlpool Bathtub

Ductwork

Garage Door Opener

Ceiling and Exhaust Fans

While First American Home Warranty’s basic plan price point is lower than that of Choice Home Warranty, Choice offers more comprehensive coverage. Thus, although the price tag is higher with Choice, you will get extensive coverage for a reasonable price.

However, it is worth noting that refrigerator, clothes washer, and clothes dryer coverage isn’t included in the Choice basic plan, but it is included in the First American basic plan. Thus, depending on your needs, the First American basic plan might be a better choice for you, even with reduced coverage for other appliances and systems.

Combo Coverage (Winner: First American Home Warranty)

  • First American Home Warranty Premier Plan: $42.50 per month ($510 per year)
  • Choice Home Warranty Total Plan: $52.50 per month ($495 per year)
 

First American Home Warranty
Premier Plan

Choice Home Warranty
Total Plan

Basic Coverage Included

Plumbing

(Included in Basic)

Plumbing Stoppage

(Included in Basic)

Heating

(Included in Basic)

Water Heater

(Included in Basic)

Electrical

(Included in Basic)

Garage Door Opener

(Included in Basic)

Ductwork

(Included in Basic)

Central Vacuum System

Air Conditioning System

Refrigerator

(Included in Basic)

Clothes Washer and Dryer

(Included in Basic)

Choice Home Warranty has a much more comprehensive basic home warranty plan, but First American Home Warranty’s Premier Plan covers essentially everything that Choice covers in both its basic and total plans, but with a lower price tag. 

Add-On Coverage (Winner: Choice Home Warranty)

Both First American Home Warranty and Choice Home Warranty offer additional coverage options that you can add to your plan. Add-on coverage will have additional costs, but Choice offers more options than First American.

First American add-on coverage includes the following:

  • Central Air Conditioning
  • Additional Refrigeration
  • First Class Appliance Upgrades
  • Pool/Spa Systems
  • Well Pump

Choice add-on coverage includes the following:

  • Second Refrigerator
  • Stand Alone Freezer
  • Central Vacuum System
  • Pool/Spa Systems
  • Well Pump
  • Sump Pump
  • Limited Roof Leak
  • Septic System
  • Septic Tank Pumping

Build-Your-Own Coverage (Winner: N/A)

Neither First American Home Warranty nor Choice Home Warranty offer a build-your-own coverage option — an option which is offered by some home warranty companies. Build-your-own home warranty plans can offer increased flexibility in price and coverage.

Waiting Period (Winner: First American and Choice)

For new customers, both First American Home Warranty and Choice Home Warranty have a 30-day waiting period before service can be requested.

Licensed Contractors (Winner: First American and Choice)

Both First American Home Warranty and Choice Home Warranty have networks of licensed contractors who will respond to any service calls. If you have a preferred technician, in most cases you can choose to work with that individual instead.

24/7 Claims Service (Winner: First American and Choice)

Both First American Home Warranty and Choice Home Warranty have a 24/7 claims service. Service claims can be submitted online or over the phone.

Time in Business (Winner: First American Home Warranty)

First American Home Warranty has been in business for 35 years, while Choice Home Warranty has been in business for 14 years. Time in business is not a reliable indicator of overall service or expertise, but it may give you greater peace of mind to work with a company that has been in the home warranty business for a substantial amount of time.

Customer Reviews (Winner: First American Home Warranty)

First American Home Warranty and Choice Home Warranty have comparable reviews on BestCompany.com — 72 percent of First American Home Warranty reviews are 4 or 5 stars, and 67 percent of Choice Home Warranty reviews are 4 or 5 stars.

Although both companies have comparable customer sentiment ratings (3.5/5 stars) in all four sentiment categories (value, quality, service, and trustworthiness), Choice has a large number of reviews in comparison to First American. More reviews means that you will get an even better idea of the customer experience with a company, giving Choice an advantage over First American.

Positive First American Home Warranty reviews typically highlight the following:

  • Excellent customer service, including prompt and professional technicians
  • Easy claim service (either online or over the phone)
  • Reasonable or low service fees

Positive Choice Home Warranty reviews typically highlight the following:

  • Excellent customer service
  • Prompt response to service claims
  • Customer is kept informed throughout the claims process

First American Home Warranty vs. Choice Home Warranty: Which Is Better?

First American Home Warranty and Choice Home Warranty are both highly rated and well-known home warranty companies, and you likely won’t go wrong with either company. Choosing between the two companies will come down to your needs and what kind of coverage you’re looking for — for more comprehensive coverage, Choice Home Warranty would be the better option, but for affordable pricing, First American Home Warranty would be the better option.

We recommend reading customer reviews to compare the companies further and to provide further information in the decision process.

Top Choice

Choice Home Warranty Logo
Choice Home Warranty

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