Choice Home Warranty vs First American Home Warranty
Last updated July 2026
Choice Home Warranty
Lower-cost home warranty with simple two-plan structure
Advantages
- Simple two-plan structure: Basic and Total
- $45-$60/mo typical, among the cheapest in the industry
- $85 flat service call fee
- Coverage begins 30 days after enrollment
- Nationwide coverage in most states
Drawbacks
- Coverage caps lower than AHS ($1,500 per HVAC unit is the cap)
- Claims denial rate reported as higher than AHS in third-party reviews
- Fewer service technicians in some rural markets
- Multi-year plans push aggressive upsell
First American Home Warranty
Mid-market home warranty with strong per-appliance coverage limits
Advantages
- Higher per-appliance coverage caps than most competitors
- Basic Plan starts at ~$40/mo, undercuts AHS
- First Class Upgrade adds coverage for pre-existing conditions and modifications
- Choose your service fee ($85, $100, or $125)
- Available in most states
Drawbacks
- Fewer plan tiers than AHS
- Systems coverage caps lower than AHS Platinum
- Waiting period of 30 days
- Claims turnaround inconsistent in some markets
Choice Home Warranty and First American Home Warranty both play in home warranty plans, but they're aimed at different buyers. Choice Home Warranty is built for budget-conscious homeowners who want basic breakdown coverage. First American Home Warranty is built for homeowners with newer or high-value appliances who want strong per-appliance caps. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Choice Home Warranty | First American Home Warranty |
|---|---|---|
| Plan Lineup | Basic and Total | Starter, Essential, Premium |
| Starting Price | $45-$60/mo typical | $40-$75/mo typical |
| Service Call Fee | $85 flat | $85, $100, or $125 (customer choice) |
| Coverage Limits | $1,500 per major system; $500 per appliance | Up to $3,500 per appliance; $1,500 per system |
| Waiting Period | 30 days | 30 days |
| Appliances Covered | Refrigerator, dishwasher, oven, washer/dryer (Total plan only) | Refrigerator, dishwasher, oven, washer/dryer, more |
| Systems Covered | HVAC, plumbing, electrical, water heater | HVAC, plumbing, electrical, water heater |
| Claims Rating | Below average, higher reported claim denial rate | Average, inconsistent by market |
Too Close to Call
Choice Home Warranty and First American Home Warranty land roughly even overall; the right pick depends on which of their strengths matters more to you.
Choice Home Warranty's standout strength: Simple two-plan structure: Basic and Total. First American Home Warranty's standout strength: Higher per-appliance coverage caps than most competitors. Neither dominates across the board, and both have well-known weak spots. Choice Home Warranty's biggest drawback: Coverage caps lower than AHS ($1,500 per HVAC unit is the cap). First American Home Warranty's biggest drawback: Fewer plan tiers than AHS. Pick the one whose strengths line up with what you actually need.
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