Home Warranty

Comprehensive Guide to Top Home Warranty Providers in 2025

Are you tired of unexpected repair bills for your home’s systems and appliances? A home warranty might be the solution you’re looking for. In this comprehensive guide, we’ll explore four leading home warranty providers: Choice Home Warranty, American Home Shield, ARW Home Warranty, and First American Home Warranty. We’ll dive deep into their offerings, pricing, and what sets them apart in the competitive home warranty market of 2025.

Choice Home Warranty: Affordable Protection with Comprehensive Coverage

Choice Home Warranty has established itself as a leader in the home warranty industry, offering affordable plans with robust coverage options. Let’s take a closer look at what they bring to the table in 2025.

Plans and Pricing

Choice Home Warranty offers two main plans:

• Basic Plan
• Total Plan

Both plans come with a $100 service fee per visit, which is standard within the industry average.

What’s Covered?

The Basic Plan covers 14 essential home systems and appliances, while the Total Plan expands this to 18 items. Here’s a breakdown of what each plan covers:

Covered Item	Basic Plan	Total Plan
Air Conditioning System	–	✓
Heating System	✓	✓
Electrical System	✓	✓
Plumbing System	✓	✓
Plumbing Stoppages	✓	✓
Water Heater	✓	✓
Whirlpool Bathtub	✓	✓
Oven/Range/Stove	✓	✓
Cooktop Exhaust Fan	✓	✓
Dishwasher	✓	✓
Microwave (Built-in)	✓	✓
Garbage Disposal	✓	✓
Ceiling Fans	✓	✓
Garage Door Opener	✓	✓
Refrigerator	–	✓
Clothes Washer	–	✓
Clothes Dryer	–	✓
Ductwork	✓	✓

Additional Coverage Options

Choice Home Warranty also offers nine elective coverage riders that can be added to your policy. Some popular add-ons include:

• Pool and spa coverage
• Limited roof leak protection (coverage capped at $500)
• Second refrigerator coverage
• Well pump
• Septic system

Discounts and Promotions

Choice Home Warranty often runs promotions for new customers. As of March 2025, they’re offering additional discounts plus the first month of coverage for free with the purchase of any single-payment home warranty plan.

Why Choose Choice Home Warranty?

• Handled more than 8,000,000 Service Requests
• Covered more than 2,400,000 Homes Across the USA
• Tens of Thousands of 5 Star Ratings from our Customers
• Nationwide Network of more than 25,000 Contractors

Considerations

Choice Home Warranty offers exceptional value with comprehensive coverage, designed to safeguard a variety of home systems and appliances. Their plans provide reliable protection for key areas, including roof leak coverage, ensuring that you’re well-covered for a wide range of potential issues.

American Home Shield: Customizable Coverage for Every Home

American Home Shield (AHS) is a prominent home warranty provider in the United States, known for its comprehensive coverage options and flexible pricing plans. Below is a breakdown of AHS’s pricing and plans, including an analysis of the coverage offered, and overall value.

Plans and Pricing

American Home Shield offers three main plans:

• ShieldSilver: Covers essential home systems.
• ShieldGold: Includes systems and appliances.
• ShieldPlatinum: Comprehensive coverage with premium features.

What’s Covered?

American Home Shield’s plans are designed to provide comprehensive coverage for both home systems and appliances. Here’s an overview of what each plan typically covers:

Covered Item	ShieldSilver	ShieldGold	ShieldPlatinum
Air Conditioning	✓	✓	✓
Heating	✓	✓	✓
Electrical System	✓	✓	✓
Plumbing System	✓	✓	✓
Water Heater	✓	✓	✓
Ductwork	✓	✓	✓
Ceiling Fans	✓	✓	✓
Refrigerator	–	✓	✓
Oven/Range/Cooktop	–	✓	✓
Dishwasher	–	✓	✓
Built-in Microwave	–	✓	✓
Garbage Disposal	–	✓	✓
Washer	–	✓	✓
Dryer	–	✓	✓
Garage Door Opener	–	✓	✓

Coverage Limits

One of American Home Shield’s standout features is its generous coverage for HVAC systems and appliances with the ShieldPlatinum plan.

Why Choose American Home Shield?

1. Customizable Plans: With three main plans and various add-on options, you can tailor your coverage to your specific needs.
2. High Coverage Limits: AHS offers some of the highest coverage limits in the industry, particularly for HVAC systems and appliances.
3. Established Reputation: As one of the oldest home warranty companies, AHS has a long-standing reputation for reliability and customer service.
4. Flexibility: You can often choose your own service fee, which can help you balance monthly costs with out-of-pocket expenses.
5. Comprehensive Coverage: Even basic plans cover a wide range of systems and appliances.

Considerations

While American Home Shield offers excellent coverage, their plans may be more expensive than some competitors. However, the higher coverage limits and customization options can provide better value for many homeowners, especially those with newer or high-end appliances and systems.

ARW Home Warranty: Comprehensive Protection for Your Home

American Residential Warranty (ARW) offers a variety of plans designed to meet different needs and budgets. Let’s explore their current offerings and what they provide homeowners.

Plans and Pricing

ARW Home offers three primary warranty plans:

• Platinum Premier
• Platinum
• Kitchen Plus

These competitive prices make ARW an attractive option in the home warranty market, with plans tailored to different coverage needs and budgets.

What’s Covered?

Each plan offers different levels of coverage:

• Platinum Premier provides the most comprehensive coverage, including central air conditioning, heating, plumbing, electrical systems, and major appliances like refrigerators, ranges, washers, and dryers.
• Platinum focuses on home systems including air conditioning, heating, ductwork, plumbing, water heater, and electrical systems, but doesn’t cover appliances.
• Kitchen Plus specifically covers kitchen appliances and laundry equipment including refrigerators, ranges, dishwashers, microwaves, garbage disposals, kitchen exhaust fans, washers, and dryers.

Additional Coverage Options

ARW Home also offers optional add-on coverages:

• Water & Sewer Line Protection
• Electronics Protection
• Pool Protection

These additional options allow homeowners to customize their coverage for specific areas of concern beyond the standard warranty plans.

Why Choose ARW Home Warranty?

• Flexible Plans: With options focusing on systems, appliances, or both, you can choose the coverage that best fits your needs.
• Competitive Pricing: ARW’s plans are priced competitively, with promotional rates making them even more accessible.
• Specialized Coverage: The additional coverage options for water lines, electronics, and pools provide extra protection for specific concerns.
• Simple Claims Process: Claims can be filed online or by phone, with technicians dispatched within 24-48 hours.

Considerations

When selecting an ARW plan, keep in mind that a service fee (typically around $125) applies per claim. Also, be sure to review the detailed coverage terms as promotional rates are subject to change and specific limitations may apply to certain components or situations.

First American Home Warranty: Comprehensive Options with Unique Features

First American Home Warranty has established itself as a solid provider in the home warranty industry, offering comprehensive coverage options with some unique features. Let’s dive into what they offer in 2025.

Plans and Pricing

First American Home Warranty offers two main plans:

• Basic Plan
• Premier Plan

All plans come with a $85 service call fee per visit, which is competitive within the industry standards.

What’s Covered?

The Basic Plan covers essential home appliances, while the Premier Plan extends this coverage to include both appliances and systems. Here’s an overview of what’s typically included:

Covered Item	Basic Plan	Premier Plan
Heating System	–	✓
Air Conditioning/Cooling	–	✓
Electrical System	–	✓
Plumbing System	–	✓
Water Heater	–	✓
Oven/Range/Cooktop	✓	✓
Dishwasher	✓	✓
Built-in Microwave	✓	✓
Garbage Disposal	✓	✓
Trash Compactor	✓	✓
Central Vacuum System	✓	✓
Refrigerator	✓	✓
Clothes Washer & Dryer	✓	✓

Unique Features

First American Home Warranty stands out with some unique offerings:

• First Class Plus: This feature adds an allowance for code violations and required modifications, which can be a significant benefit when repairs or replacements require bringing systems up to current building codes.
• Outdoor Kitchen Coverage: For homeowners with outdoor cooking areas, this add-on can provide valuable protection for outdoor appliances and systems.
• HVAC Tune-ups: Regular maintenance can extend the life of your HVAC system, and First American offers this as an add-on service.

Why Choose First American Home Warranty?

• Comprehensive Basic Plan: The Basic Plan covers a wide range of home appliances at an affordable price point.
• Unique Add-ons: Features like Outdoor Kitchen Coverage and HVAC Tune-ups set First American apart from many competitors.
• Code Violation Coverage: The First Class Plus feature can save homeowners significant money when repairs require bringing systems up to code.
• Established Company: First American has been in business for over 35 years, indicating stability and reliability.
• Flexible Options: With various add-ons and upgrades available, you can customize your coverage to fit your needs.

Considerations

While First American offers solid coverage and unique features, it’s important to carefully review the terms of each plan. Pay particular attention to coverage limits, service fees, and any exclusions that may apply to your specific situation. Also note that First American Home Warranty is not available in all states, so check availability in your area before proceeding.

How to Choose the Right Home Warranty

When selecting a home warranty provider, consider the following factors:

1. Coverage Needs: Assess which systems and appliances in your home are most important to protect.
2. Budget: Compare monthly premiums, annual costs, and service fees to find a plan that fits your budget.
3. Coverage Limits: Look for plans with higher coverage limits, especially for expensive items like HVAC systems.
4. Customization Options: Choose a provider that allows you to tailor your coverage with add-ons or upgrades.
5. Company Reputation: Research customer reviews and the company’s history in the industry.
6. Claims Process: Understand how claims are filed and processed, and look for companies with 24/7 customer service.
7. Exclusions and Limitations: Carefully read the contract to understand what’s not covered and any coverage caps.
8. Waiting Periods: Be aware of any waiting periods before coverage begins.
9. Cancellation Policy: Understand the terms for cancelling your policy if needed.
10. Local Service Providers: Check if the company has a network of reputable service providers in your area.

Final Thoughts

Choosing the right home warranty can provide peace of mind and potentially save you thousands on home repairs and replacements. Each of the four providers we’ve explored – Choice Home Warranty, American Home Shield, ARW Home Warranty, and First American Home Warranty – offers unique benefits and features.

Choice Home Warranty stands out for its affordable plans and low service fees, making it an excellent option for budget-conscious homeowners. American Home Shield offers high coverage limits and customizable plans, which can be ideal for those with newer or high-end appliances and systems. ARW Home Warranty provides flexible plans with unique specialty coverage options, while First American Home Warranty offers comprehensive coverage with distinctive features like outdoor kitchen protection and code violation allowances.

Remember, the best home warranty for you depends on your specific needs, the age and condition of your home’s systems and appliances, and your budget. Take the time to carefully compare plans, read the fine print, and consider your home’s unique requirements before making a decision.

By investing in a home warranty, you’re not just protecting your home’s systems and appliances – you’re investing in peace of mind and financial security for years to come.

Frequently Asked Questions About Home Warranties

Below are answers to some of the most common questions about home warranties to help you make an informed decision.

General Home Warranty Questions

• What exactly is a home warranty?
  A home warranty is a service contract that covers the repair or replacement of major home systems and appliances that break down due to normal wear and tear. Unlike home insurance which covers damage from disasters, a home warranty focuses on mechanical failures of covered items.
• How is a home warranty different from home insurance?
  Home insurance typically covers structural damage and personal property loss due to events like fires, storms, theft, or other disasters. A home warranty covers repairs and replacements of specific home systems and appliances due to normal wear and tear.
• Are home warranties worth the cost?
  The value depends on several factors including the age of your home, condition of your appliances and systems, and your comfort with unexpected repair costs. Homes with older systems and appliances often benefit more from warranty coverage.
• How long does a home warranty last?
  Most home warranties are annual contracts that can be renewed each year. Some companies offer multi-year plans at discounted rates.

Coverage Questions

• What items are typically covered under a home warranty?
  Basic coverage often includes major appliances (refrigerator, oven, dishwasher) and home systems (HVAC, electrical, plumbing). More comprehensive plans may include additional items like washers, dryers, and garage door openers.
• What’s typically NOT covered by home warranties?
  Most warranties exclude pre-existing conditions, improper maintenance, cosmetic issues, structural features, and damage from natural disasters. Luxury items like pools and spas usually require additional coverage.
• Can I choose which items to cover?
  Many providers offer tiered plans plus optional add-ons, allowing you to customize coverage based on your needs. Some offer appliance-only or systems-only plans.
• Are there coverage limits?
  Yes, most warranties specify maximum payout amounts per item, per system, or per contract term. These limits vary significantly between providers and plans.

Cost and Payment Questions

• How much does a home warranty cost?
  Basic plans typically range from $300-$600 annually, while comprehensive plans can cost $500-$800+ per year. Prices vary based on property size, location, and coverage options.
• What’s a service call fee?
  This is the amount you pay each time a technician is dispatched for a repair, similar to a deductible. Fees typically range from $75-$125 per service call, regardless of the actual repair cost.
• Can I choose a higher service fee for lower premiums?
  Some companies like American Home Shield offer this flexibility, allowing you to pay higher service fees in exchange for lower monthly premiums.
• Are there any discounts available?
  Many providers offer discounts for paying annually instead of monthly, multi-year contracts, or when purchasing a plan during special promotions.

Claims and Service Questions

• How do I file a claim?
  Most companies allow claims through their website, mobile app, or by phone. After filing, a service technician will be assigned to assess and repair the issue, usually within 24-48 hours.
• Is there a waiting period before coverage begins?
  Yes, most home warranties have a 30-day waiting period from the purchase date before you can file claims, though this varies by provider.
• Can I choose my own repair technician?
  Most home warranty companies require you to use their network of pre-approved service providers. Some companies may allow you to request your own technician, but this often requires prior approval.
• What happens if an item can’t be repaired?
  If a covered item cannot be repaired, the warranty company will typically replace it with a similar item of comparable functionality, or provide a cash settlement up to the coverage limit.

Provider-Specific Questions

• Which provider has the most affordable plans?
  Choice Home Warranty generally offers some of the most competitive rates in the industry with reasonable service fees.
• Which provider offers the highest coverage limits?
  American Home Shield stands out with generous coverage limits, particularly for HVAC systems and appliances with their premium plans.
• Which provider is best for older homes?
  First American Home Warranty may be advantageous for older homes thanks to its First Class Plus feature, which provides allowances for code violations and required modifications.
• Can I transfer my warranty if I sell my home?
  Yes, most home warranties are transferable to new homeowners, which can be an attractive selling point. Some companies charge a small transfer fee.

Contract and Cancellation Questions

• Can I cancel my home warranty?
  Yes, most providers allow cancellation at any time, though you may only receive a partial refund depending on how long you’ve had the plan and if any claims have been filed.
• Is there a limit to how many claims I can file?
  Most home warranties don’t limit the number of claims you can file, but they do set maximum payout amounts per item or per contract term.
• What if I’m not satisfied with a repair?
  Reputable warranty companies typically offer workmanship guarantees, ensuring that if the same issue recurs within a certain timeframe (often 30-90 days), they’ll send a technician back at no additional service fee.
• Should I read the entire contract?
  Absolutely. The fine print contains important details about coverage limits, exclusions, and procedures. Understanding these before purchasing can prevent disappointment when filing claims.

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