Home Warranty Companies Reviews

Who's better?

American Home Shield vs Choice Home Warranty

We've analyzed the best Home Warranty Companies to help you find the right solution for your needs.

2025 Home Warranty Company Reviews

Here you can see how American Home Shield and Choice Home Warranty match up head-to-head in a battle for the Best Home Warranty Companies in 2025.

Winner

American Home Shield

  • Prices from $39.99 to $89.99 per month
  • Add-ons from $5 to $18 per month
  • Trade service fees from $100 to $125 per service request

American Home Shield has been a trusted provider of home warranties for over 50 years, serving over two million customers nationwide, and aims to protect your home and make repairs easy with its network of technicians. While American Home Shield has faced some criticism in the past, it has shown improvement in recent years, with a 4.1-star average rating on ConsumerAffairs and a 30-day workmanship guarantee, making it a solid middle-tier option for those seeking home warranty coverage.

Choice Home Warranty

  • Prices from $55.33 to $45 per month
  • Add ons from $3.33 to $15 per month
  • Trade service fees are around $85 per service request

Choice Home Warranty has been in business for over 15 years, with a significant amount of experience under its belt, which is reassuring for homeowners seeking reliable coverage. The company offers two main plans, Basic and Total, which cover essential systems and appliances, as well as optional add-ons for additional coverage. However, concerns about the company's reputation, including a low Better Business Bureau rating and a pending fraud lawsuit, make it difficult to recommend Choice Home Warranty for home warranty coverage.

Being prepared for unexpected expenses is part of homeownership. Whether you're a landlord looking to reduce operating costs, a homeowner trying to sell your property, or just a regular homeowner who wants to be protected against surprise repairs, having a good home warranty can be a lifesaver. A home warranty is a type of insurance, separate from your home insurance, that covers the cost of repairs or replacements for major systems and appliances in your home.

By choosing the right plan, you can avoid the financial burden of costly repairs so that your home remains safe and functional. Home warranty plans typically offer different levels for different home concerns and budgets. Basic coverage might include protection for appliances and systems like HVAC, plumbing, and electrical systems.

Premium plans, on the other hand, might cover more extensive components like electronics, septic systems, and pools and spas. Some providers offer add-on services for extra fees, such as coverage for sump pumps or water softeners.

When selecting a home warranty provider, you'll want to read the fine print and understand what's covered and what's not. Most policies have limits, exclusions, and caps on the amount they'll pay out over the contract's life. For example, some policies might only cover appliances up to a certain age or value. Others might exclude certain types of damage or wear and tear. Be sure to ask about these details before signing up. It's also important to note that most policies have a 30-day waiting period before coverage takes effect. So, if you need to make a claim soon after purchasing the policy, you'll have to wait a month before it kicks in.

During the waiting period, many providers offer a money-back guarantee. This allows you to cancel your policy if you're unsatisfied with the coverage or if you discover something you didn't expect. Another important consideration is the trade call service fee, which is similar to a copay on medical insurance or a deductible on car insurance. This fee can vary depending on the provider and may apply per service call or per repair. Be aware that you could be charged multiple fees for a single repair if different tradespeople are needed to fix the issue.

While it's great that there are a lot of companies to consider for your home warranty, sifting through them all can be stressful. To help you avoid getting overwhelmed by the numerous plans and companies, we've put together some helpful criteria to guide you through your vetting process:

To help keep your home safe from any eventuality, Top Consumer Reviews has reviewed and ranked the most popular home warranty providers out there today. We hope this information helps keep your home and appliances operating safely, and gives you a little extra financial peace of mind!

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Home Warranty Company FAQ

What is a home warranty?
Home warranties protect your home's appliances and systems in the event of a malfunction. Normal wear and tear takes a toll on all systems in your house, so a home warranty saves you from having to spend the hundreds or thousands of dollars it takes for even the smallest of repairs. By purchasing a home warranty plan, you're able to call a technician to repair or replace your faulty appliances when needed.
Why should I buy a home warranty?
Having a home warranty provides peace of mind. It usually comes as a surprise when your heating system stops working, your dryer breaks, or your air conditioner goes out. When your systems and appliances need a repair, it is an urgent matter and you want to make sure you're able to afford the cost of getting them fixed. If you have a plan that covers the item that malfunctions, you'll have it paid for minus the cost of any applicable deductible or service fee.
What does a home warranty cover?
When purchasing a home warranty, you'll be able to select from different plans depending on what you want covered. They might include a kitchen plan (fridge, range, oven, dishwasher, garbage disposal, etc.), heating and cooling (air conditioning, interior electrical system, central heating, etc.), plumbing systems, pool pumps, garage door opener, TVs, laptops, and more. You can buy as many plans as you want or bundle and save!
How much does a home warranty cost?
Home warranties are usually billed monthly and range from about $30 - $100/month depending on what you want covered, how many plans you buy, if you bundle your plans, and so on. On top of this, the company you use might charge service fees or have a deductible set up that you'll need to meet before they cover the rest of what it takes for repairs. Either way, having a home warranty will likely save you thousands of dollars in the long run since appliance repairs can be so expensive.
How does a home warranty differ from home insurance?
Home warranties cover the effects of normal wear and tear on systems and appliances. After running your dishwasher a couple hundred times, it might need maintenance, which would be covered by your warranty (if you selected a plan that included it). Home insurance protects you financially from unexpected major events like a fire, flood, or weather damage. It allows you to get a lump sum of money to replace items in the home or the house itself when disaster strikes. However, if your air conditioning goes out in the middle of summer, you're out of luck if you have home insurance without a home warranty.
How long does a home warranty last?
A home warranty lasts as long as you choose to pay for it! Many people just budget for it long-term and pay year after year just like they make their house payment. You can pay monthly or make a yearly payment on the type of coverage you select. As long as you are subscribed to a home warranty plan, you'll be able to have a repairman come to your home to take care of your appliances and systems when problems arise.
Is there a limit to the number of repairs I can have done during the length of my contract?
There is no limit to the number of repairs you can call in during your home warranty contract. If there is a service fee, you'll need to pay that each time a technician comes out. If you have a deductible to meet, you'll pay for each repair until you hit your deductible and can be fully covered by the company. It's reassuring to know that regardless of how many things go wrong in your home, as long as your contract includes the repairs, you'll be able to have them taken care of!
How do I request service through my home warranty?
Every home warranty service might do things a little differently. Most of the time you'll be able to call in and let them know your issue and get a timeframe for a technician to come make repairs. Some companies have an online form you fill out and then they contact you back and dispatch their workers. It's easy to get the help when you need it within a reasonable timeframe when you're dealing with home warranty companies.

Compare Any 2 Products

American Residential Warranty
Elite Home Warranty
First American Home Warranty
Sears Home Warranty
Cinch Home Services
American Home Shield
Select Home Warranty
Home Warranty of America
Liberty Home Guard
Choice Home Warranty
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