The Showdown: Choice Home Warranty vs First American Home Warranty
By Ben Carter
The Showdown: Choice Home Warranty vs First American Home Warranty
Choosing a home warranty is a critical decision for protecting your home's most vital systems and appliances. Two of the biggest names in the industry are Choice Home Warranty and First American Home Warranty. Both offer peace of mind, but their plans, pricing, and service approaches have key differences. In this showdown, Consumer's Best breaks down the essential factors to help you understand which provider might be the right fit for your home and budget.
Coverage Options: What's Protected?
The core of any home warranty is its coverage. First American Home Warranty often provides straightforward plans that cover essential items, with options to upgrade for more comprehensive protection, including items that may have been improperly installed. Choice Home Warranty is known for its two primary plans, a Basic Plan and a Total Plan, which covers a wide array of appliances and systems. Both providers also offer optional add-ons for things like pools, spas, and secondary refrigerators, allowing for customized protection.
Cost and Value: Comparing Premiums and Fees
When comparing Choice Home Warranty vs First American Home Warranty on price, it's about more than the monthly premium. You must also consider the service call fee, or deductible, which you pay per claim. First American often offers multiple service fee options, allowing you to choose a higher fee for a lower monthly premium, or vice versa. Choice typically has a standard service fee. The total annual cost will depend on the plan you select, your chosen deductible, and your home's location and size.
Service and Reputation: Who Can You Trust?
A warranty is only as good as the service behind it. Both companies have extensive networks of pre-screened service technicians across the country. First American has been in business for decades, building a long-standing reputation in the real estate and home warranty sectors. Choice Home Warranty is a newer but highly visible player known for its broad marketing and large customer base. Customer experiences can vary by location and the specific technician assigned, making it crucial to look at recent reviews for your area.
The Verdict: Which Plan is Best for You?
So, who wins in the Choice Home Warranty vs First American Home Warranty matchup? The truth is, the 'best' plan depends entirely on your unique needs. If you want flexible deductible options, First American might be appealing. If you prefer simplified plan choices with comprehensive coverage, Choice could be the way to go. The ideal decision requires a closer look at the specific coverage limits, exclusions, and costs for your home. For a complete side-by-side analysis and to see which provider Consumer's Best recommends, explore our in-depth product reviews.
