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Choice Home Warranty vs First American Home Warranty

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Last updated: October 2026 · Consumer education page · Editorial disclaimer

Comparing Choice Home Warranty vs First American Home Warranty? If you want a third option, Property Warranty offers a free personalized quote with no inspection required. This page provides a neutral, side-by-side comparison based on publicly available information. We do not accuse either company of wrongdoing — this page exists to help homeowners compare before purchasing.

Choice Home Warranty vs First American Home Warranty at a glance

 Choice Home WarrantyFirst American Home Warranty
Founded20081984
HeadquartersEdison, New JerseyVan Nuys, California
Plan tiersBasic Plan, Total PlanStarter Plan, Essential Plan, Premium Plan
Free quoteFree personalized quoteFree personalized quote

Plan names, fees, and coverage caps change frequently. Always confirm current details on each company's official site or in a written quote before buying.

Coverage themes — Choice

  • Online discussions reference disputes over claim denials tied to "pre-existing conditions" language in the contract.
  • Some customers report wait times for technician dispatch during peak season.
  • Public review sites mention difficulty reaching a representative during cancellation requests.

Coverage themes — First American

  • Online discussions reference disputes about whether a failure was caused by lack of maintenance versus normal wear.
  • Some customers report that secondary HVAC components (modifications, ductwork) were excluded from a covered repair.
  • Public reviews mention regional differences in technician availability.

Which company is right for which homeowner?

Compare coverage: Choice and First American each offer different plan tiers. Compare the coverage details carefully to find the best fit for your home.

If you have an older home or older HVAC system: read the "pre-existing conditions" and "improper installation" sections in each contract first — these clauses are the most common source of public complaints across every home warranty company.

If you want a longer track record: First American Home Warranty has been in business longer (since 1984) and a longer history can make BBB ratings, public complaints, and review patterns easier to evaluate.

If you want a written quote without a phone call: you can get an independent home warranty quote in minutes — get a free personalized quote with no inspection required — useful as a third reference point alongside Choice and First American.

Frequently asked questions

Is Choice better than First American?

"Better" depends on what you need: best coverage for your systems, broadest contractor network, or shortest claim turnaround. Read each company's most recent reviews and a sample contract before deciding.

Do Choice and First American cover the same systems and appliances?

Both companies offer tiered plans that typically cover HVAC, plumbing, electrical, and major appliances. The differences are usually in coverage caps, exclusions, add-ons (pools, septic, roof leaks), and service-call fees.

Can I switch from one to the other mid-policy?

Yes. Most home warranty plans allow cancellation with a prorated refund after the first 30 days. New coverage from a different provider usually has a 30-day waiting period before claims are eligible.

Are there alternatives to both Choice and First American?

Yes — you can get a Property Warranty quote in minutes — free personalized quote, no inspection required — and use it as a third reference point.

Head-to-head comparisons

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Editorial disclaimer. This page is for consumer education only. We do not accuse any company of fraud or wrongdoing. Information may reference publicly available reviews, complaints, ratings, and consumer-reported experiences. Customers should verify details directly with the company before making decisions.
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