Choice Home Warranty vs First American Home Warranty
Simple direct-to-consumer plans vs a real-estate brand with higher limits
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The verdict
9.6/10 vs 8.9/10
Choice Home Warranty is the stronger pick for most people - Sold in 49 states. Full reasoning, pricing and the cases where First American Home Warranty wins are below.
| At a glance | Choice Home Warranty | First American Home Warranty |
|---|---|---|
| Starting price | ~$46-$58/mo (reported) | ~$40-$140/mo by plan & state |
| Service fee | ~$100 per visit | $75, $100 or $125 |
| Plans | Basic, Total | Starter, Essential, Premium |
| Coverage caps | $3,000 per covered item | $3,500-$7,000 appliances; high HVAC limits |
Prices are the providers’ published rates at our last verification - confirm the final figure at checkout, as offers change. How we verify prices
Two simple plans covering home systems and appliances, with a $3,000 per-item cap and coverage in 49 states
- Basic & Total plans
- $3,000 per covered item
- Online claims, 24/7
A real-estate favorite backed by First American Financial, with high appliance limits and generous HVAC terms
- Up to $7,000 appliance limit
- Choose a $75-$125 service fee
- Popular with buyers & sellers
The full breakdown
Choice Home Warranty vs First American Home Warranty: a closer look at each
Both are credible providers in this category, and the right pick comes down to fit. So instead of crowning a “winner,” here’s the real rundown on each - what you get, what it actually costs, and what real customers are saying - so you can pick the one that fits you.
What is Choice Home Warranty?
Choice Home Warranty has sold home warranties since 2008 and is one of the most heavily advertised brands in the industry. Its lineup is deliberately simple: a Basic Plan for core systems and kitchen appliances, and a Total Plan that adds air conditioning, the refrigerator and laundry machines.
Read the full Choice Home Warranty breakdown▾
Optional add-ons cover items such as pools, spas, well pumps and septic systems. This review covers what Choice includes, what it costs, the limits in its contract and who it suits best.
What you get with Choice Home Warranty
- Two plans: Basic and Total
- $3,000 cap per covered item per term
- Online and phone claims
- Add-ons for pool/spa, well pump, sump pump, septic and roof leak
- 30-day workmanship guarantee on repairs
- Sold in every state except Washington
Who Choice Home Warranty is best for
- Homeowners who want simple, affordable systems-and-appliance coverage
- Buyers who want a solid per-item cap without paying premium-tier prices
- Anyone comfortable reading the contract's exclusions before signing
How much does Choice Home Warranty cost?
Approximate only - prices depend on your address and promotions.
Full pricing details▾
Third-party quotes from 2025 put Choice's Basic Plan at roughly $46-$49 a month and the Total Plan at roughly $55-$58 a month. The service call fee is typically about $100 per claim (lower in some markets), and it is generally owed when a technician visits even if the claim is denied.
Choice frequently advertises first-month-free and dollar-off promotions. Get a quote for your address before buying.
Basic Plan
Heating, plumbing, electrical, water heater, ductwork + kitchen appliances
Reported
- Systems + kitchen appliances
- $3,000 per covered item
Total Plan
Everything in Basic + AC, refrigerator, clothes washer and dryer
Reported
- Adds AC and laundry
- Most popular for full coverage
What we like about Choice Home Warranty
- Simple, easy-to-compare plans
- $3,000 per-item cap is solid for the price
- Available in 49 states
- Large customer review base on Trustpilot
Worth keeping in mind
- $11.8 million consent judgment with the Arizona Attorney General in 2026 over claim-handling allegations (no admission of wrongdoing)
- Service fee generally owed even if a claim is denied
- Not sold in Washington
- Low BBB customer review average, typical of the industry
What is First American Home Warranty?
First American Home Warranty is part of First American Financial, the title and settlement company, and is one of the most common warranties offered at real estate closings. It also sells directly to homeowners.
Read the full First American Home Warranty breakdown▾
2026 sources describe three tiers - Starter, Essential and Premium - with Premium raising appliance limits and its contracts noting generous HVAC terms. This review covers what First American offers, what it costs and who it suits.
What you get with First American Home Warranty
- Tiered plans (Starter, Essential, Premium per 2026 sources)
- Appliance limits of $3,500 (lower tiers) to $7,000 (Premium), reported
- Contracts note no dollar limit on AC refrigerant
- Choose a $75, $100 or $125 service fee
- Real estate plans for buyers and sellers
- 4.0 on Trustpilot across roughly 19,000 reviews
Who First American Home Warranty is best for
- Home buyers and sellers whose agent offers it
- Homeowners in served states who want high limits
- Anyone prioritizing HVAC coverage
How much does First American Home Warranty cost?
Approximate only. Reported prices range from about $37 to $142 a month depending on plan and state, with typical averages in the $50-$90 range. You choose a $75, $100 or $125 service fee - a higher fee lowers the premium. Real estate plans are priced separately. Get a quote for your address to confirm.
What we like about First American Home Warranty
- High appliance limits on the top plan
- Generous HVAC terms
- Strong Trustpilot record
- Flexible service fee choice
Worth keeping in mind
- Available in only about 35-37 states plus D.C.
- Plan names and details vary by state and over time
- Low BBB customer review average
- Repair delays while waiting for parts are a common complaint
Choice Home Warranty vs. First American Home Warranty: What’s the Difference?
The key differences to consider when comparing the two providers.
| Choice Home Warranty | First American Home Warranty | |
|---|---|---|
| Starting price | ~$46-$58/mo (reported) | ~$40-$140/mo by plan & state |
| Service call fee | ~$100 per visit | $75, $100 or $125 |
| Plans | Basic, Total | Starter, Essential, Premium |
| Coverage caps | $3,000 per covered item | $3,500-$7,000 appliances; high HVAC limits |
| Waiting period | 30 days | 30 days |
| Not available in | Washington | AK, CT, DE, HI, LA and others |
| In business since | 2008 | 1984 |
So which one should you pick?
Find the line that sounds like you - that’s your answer.
Here’s the short version
Choice sells mainly direct to homeowners with two simple plans; First American is backed by First American Financial and is a staple of real estate closings. Here's how they compare on price, coverage and availability.
The quick answer
Go with Choice Home Warranty if you want
- Sold in 49 states
- Two simple plans
- $3,000 per item
First American Home Warranty makes more sense if you want
- Higher limits on Premium
- 4.0 Trustpilot score
- Strong real-estate channel
Had to pick one for most people? Choice Home Warranty. The numbers and customer feedback below are why - and where First American Home Warranty wins instead.
Choice vs First American: FAQs
Which is better, Choice vs First American?
Choice wins for broad availability and simplicity - it sells in 49 states with two easy plans. First American is worth a look if you live in one of its states, especially if you want high appliance limits or generous HVAC coverage.
Which is available in more states, Choice Home Warranty or First American Home Warranty?
Choice is reported unavailable only in Washington; First American serves roughly 35-37 states.
Which has better coverage, Choice Home Warranty or First American Home Warranty?
First American's Premium plan reportedly allows up to $7,000 for appliances, above Choice's $3,000 per item.
Which has simpler plans, Choice Home Warranty or First American Home Warranty?
Choice's Basic and Total plans are easy to compare online.
Which has better customer reviews, Choice Home Warranty or First American Home Warranty?
First American lets you choose a $75, $100 or $125 fee to balance premium against per-visit cost.
Related Comparisons
Sources & methodology
We built this comparison of Choice Home Warranty and First American Home Warranty from each provider's own published pricing, plans and sample contracts, cross-checked against regulator and public-record sources, and read alongside real customer feedback. Prices and plan details were verified against the provider's published information; we do not take providers' word for their own claims without checking.
Provider information
Pricing, plans, caps and contract terms, checked against each provider's own site.
- Choice Home Warranty - full pricing & plan breakdown
- First American Home Warranty - full pricing & plan breakdown
Provider data checked October 2026
Customer & community feedback
Third-party signals shown on this page and in our full reviews: Trustpilot ratings and Better Business Bureau records, as captured on the dates we note. We report what these sources say - we never fold their ratings into our own scores.
Regulatory & public-record references
- 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
- 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
- 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
- 4.American Home Shield plans - American Home Shield
- 5.Choice Home Warranty user agreement - Choice Home Warranty
- 6.Select Home Warranty terms and conditions - Select Home Warranty
- 7.The Home Service Club pricing and plans - The Home Service Club
Last reviewed October 2026. We revisit comparisons when providers change their pricing or policies. This page is information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.