Range across tiers
Choice Home Warranty
3.7/5 · BBB B
“Budget-focused homeowners who want predictable low service fees and straightforward plan choices.”
Photo · Im Greg / Unsplash
First American Home Warranty
3.8/5 · BBB B
“Owners of newer homes who prioritize appliance coverage and want a low, selectable service fee.”
Photo · Avi Werde / Unsplash
vs
§ 01Round by round
The Warranta verdict
Both are budget-tier picks, so the split is about what you trade for the low price. Choice keeps it simple: two tiers, a flat $85 fee, predictable per-claim cost, but a 2023 regulatory action and a mandatory arbitration clause. First American costs more once add-ons stack, yet a $75 entry fee, up-to-$3,500/yr appliance caps, a 3.4 claims score, and improper-installation coverage make it the stronger choice for a newer home.
Round by round · 11 criteriaSourced ratings
| Criterion | Choice Home Warranty | First American Home Warranty | Tradeoff |
|---|---|---|---|
| Overall | 3.7 | 3.8Wins | — |
| Pricing | 4.3Wins | 4.2 | — |
| Coverage | 3.6 | 3.7Wins | — |
| Claims process | 3.2 | 3.4Wins | — |
| Customer service | 3.3 | 3.5Wins | — |
| Contractor network | 3.5 | 3.8Wins | — |
| Pricing | Tie | Tie | First American's appliance tier starts at $37/mo with a $75 entry fee; Choice's flat $85 fee is more predictable but its monthly pricing starts higher at $46/mo. |
| Annual caps | — | WinsWins | First American caps appliances at up to $3,500/yr versus Choice's $3,000/yr per-item cap. |
| Coverage breadth | — | WinsWins | First American covers some improper-installation and maintenance failures; Choice excludes pre-existing conditions and code violations with no comparable allowance. |
| Claims experience | — | WinsWins | First American's claims sub-score is 3.4 with dispatch complaints on older gear; Choice's is 3.2 with a 2023 regulatory action over denials and mandatory arbitration. |
| Plan simplicity | WinsWins | — | Choice's two-tier lineup is simpler than First American's three-tier Starter, Essential, and Premium structure. |
Choice Home Warranty
BBB B · 2008
3.7
Overall
First American Home Warranty
BBB B · 1984
3.8
Overall
§ 02Who wins for you
If
“Annual caps matters most”
First American caps appliances at up to $3,500/yr versus Choice's $3,000/yr per-item cap.
EdgeFirst American Home Warranty
If
“Coverage breadth matters most”
First American covers some improper-installation and maintenance failures; Choice excludes pre-existing conditions and code violations with no comparable allowance.
EdgeFirst American Home Warranty
If
“Claims experience matters most”
First American's claims sub-score is 3.4 with dispatch complaints on older gear; Choice's is 3.2 with a 2023 regulatory action over denials and mandatory arbitration.
EdgeFirst American Home Warranty
If
“Plan simplicity matters most”
Choice's two-tier lineup is simpler than First American's three-tier Starter, Essential, and Premium structure.
EdgeChoice Home Warranty
Across 5 rounds, First American Home Warranty takes more than it loses, but the right pick still turns on which of these criteria you weight. See the verdict above.
§ 03The figures, side by side
Choice Home Warranty
- Monthly premium
- $46–$65/mo depending on plan
- Service fee options
- $85
- Service fee range
- Flat $85 service-call fee
- Annual coverage limit
- $3,000/yr per covered system or appliance
- Waiting period
- 30-day waiting period for new direct-purchase plans
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
- Available in
- 7 states (VA, TX, FL, NC, CO, GA…)
At a glance
Per visit, paid to tech
Across plan tiers
Resets each contract year
Before claims are eligible
Home age / pre-existing
Excludes territories
First American Home Warranty
- Monthly premium
- $37–$82/mo depending on plan tier
- Service fee options
- $75$100$125
- Service fee range
- $75–$125 selectable service-call fee
- Annual coverage limit
- Up to $3,500/yr per covered appliance; system caps vary
- Waiting period
- 30-day waiting period for direct-purchase plans
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
- Available in
- 8 states (TX, FL, NC, CO, CA, GA…)
At a glance
Range across tiers
Per visit, paid to tech
Across plan tiers
Resets each contract year
Before claims are eligible
Home age / pre-existing
Excludes territories
Choice Home Warranty
3.7/5 · BBB B
“Budget-focused homeowners who want predictable low service fees and straightforward plan choices.”
See a quote
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy
First American Home Warranty
3.8/5 · BBB B
“Owners of newer homes who prioritize appliance coverage and want a low, selectable service fee.”
See a quote
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy
Round winners and the use-case cards above reconcile against Warranta’s rating methodology. Scores are on a 5-point scale.
Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay.
Commissions are paid by the provider. Affiliate program applications are pending, so outbound links are currently placeholders.
We review monetized pages quarterly for FTC-compliant disclosure placement.
How we get paid →