Choice Home Warranty vs Home Warranty of America
Sister brands with different plans, caps and contract lengths
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The verdict
9.6/10 vs 8.7/10
Choice Home Warranty is the stronger pick for most people - Larger customer review base. Full reasoning, pricing and the cases where Home Warranty of America wins are below.
| At a glance | Choice Home Warranty | Home Warranty of America |
|---|---|---|
| Starting price | ~$46-$58/mo (reported) | ~$48-$61/mo (sample quote) |
| Service fee | ~$100 per visit | ~$100 per visit |
| Plans | Basic, Total | Premier, Premier Plus |
| Coverage caps | $3,000 per covered item | Up to $5,000 on most repairs |
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
Nationwide coverage with up to $5,000 on most approved repairs and 13-month contracts
- Premier & Premier Plus plans
- Up to $5,000 on most repairs
- Available in all 50 states
The full breakdown
Choice Home Warranty vs Home Warranty of America: 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 Home Warranty of America?
Home Warranty of America (HWA) has operated since 1996 and was acquired by Choice Home Warranty in 2022, though it still sells its own plans. For homeowners it offers Premier (which excludes air conditioning) and Premier Plus (which covers all major systems and appliances including AC); real estate plans are sold through agents.
Read the full Home Warranty of America breakdown▾
This review covers HWA's plans, cost, limits and who it suits.
What you get with Home Warranty of America
- Premier and Premier Plus consumer plans
- Up to $5,000 on most approved repairs (lower limits on some items)
- 13-month contracts
- Available in all 50 states
- 24/7 online and phone claims
- 30-day workmanship guarantee
Who Home Warranty of America is best for
- Homeowners in states other brands don't serve
- Buyers who want a higher repair limit at a mid-range price
- Anyone who wants a simple two-plan choice
How much does Home Warranty of America cost?
Approximate only.
Full pricing details▾
A ConsumerAffairs sample quote (Texas, $100 service fee) put Premier at about $550 a year (~$48/mo) and Premier Plus at about $700 a year (~$61/mo). Reported cancellation terms allow a full refund within 30 days and a prorated refund after that, minus the lesser of $30 or 10%.
Get a quote for your address.
Premier
Major systems and appliances, excluding air conditioning
Sample quote
- No AC coverage
Premier Plus
All major systems and appliances including AC
Sample quote
- Includes AC
- Up to $5,000 most repairs
What we like about Home Warranty of America
- Available in every state
- Higher repair limit than many budget brands
- 13-month contract gives an extra month
- Simple two-plan consumer lineup
Worth keeping in mind
- Short 30-day workmanship guarantee
- Poor ratings on some review sites (e.g. ConsumerAffairs)
- Lower limits on rust- and corrosion-related plumbing and electrical repairs
- Waiting-period details vary by source - confirm in your contract
Choice Home Warranty vs. Home Warranty of America: What’s the Difference?
The key differences to consider when comparing the two providers.
| Choice Home Warranty | Home Warranty of America | |
|---|---|---|
| Starting price | ~$46-$58/mo (reported) | ~$48-$61/mo (sample quote) |
| Service call fee | ~$100 per visit | ~$100 per visit |
| Plans | Basic, Total | Premier, Premier Plus |
| Coverage caps | $3,000 per covered item | Up to $5,000 on most repairs |
| Waiting period | 30 days | 30 days (reported) |
| Not available in | Washington | None - all 50 states |
| In business since | 2008 | 1996 |
So which one should you pick?
Find the line that sounds like you - that’s your answer.
Here’s the short version
Choice Home Warranty bought Home Warranty of America in 2022, but the two still sell separate plans. Choice offers Basic and Total plans with a $3,000 per-item cap; HWA offers Premier and Premier Plus with up to $5,000 on most approved repairs and 13-month contracts.
Here's how they compare.
The quick answer
Go with Choice Home Warranty if you want
- Larger customer review base
- Two simple plans
- Frequent first-month promotions
Home Warranty of America makes more sense if you want
- Up to $5,000 on most repairs
- Available in all 50 states
- 13-month contracts
Had to pick one for most people? Choice Home Warranty. The numbers and customer feedback below are why - and where Home Warranty of America wins instead.
Choice vs Home Warranty of America: FAQs
Which is better, Choice vs Home Warranty of America?
Choice edges this matchup on its simpler plans and a much larger base of customer reviews at a similar price. HWA is a strong alternative if you want higher repair limits, a 13-month term or you live in Washington, where Choice doesn't sell plans.
Which has better coverage, Choice Home Warranty or Home Warranty of America?
HWA reportedly pays up to $5,000 on most approved repairs; Choice caps covered items at $3,000.
Which is available in more states, Choice Home Warranty or Home Warranty of America?
HWA sells in all 50 states; Choice is not sold in Washington.
Which has better customer reviews, Choice Home Warranty or Home Warranty of America?
Choice has a far larger Trustpilot review base (60,000+) at a similar average score.
Is Choice Home Warranty cheaper than Home Warranty of America?
Reported prices are similar: HWA's sample quote was ~$48-$61/mo and Choice's plans ~$46-$58/mo.
Related Comparisons
Sources & methodology
We built this comparison of Choice Home Warranty and Home Warranty of America 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
- Home Warranty of America - 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.