What to Compare
Compare First American Home Warranty and Choice Home Warranty using monthly cost, service call fee, hvac coverage. Check the exact product or local service proposal, then request matching written terms before choosing for your Florida home. Use the differences below to identify the questions that matter for your project.
Head-to-Head Breakdown
First American Home Warranty
Features and considerations
- Premier Plan covers additional items: roof leak repair, code violations
- Available in all 67 Florida counties
- Refrigerant (Freon/Puron) covered on some plans — expensive in Florida
Limits and questions
- Some exclusions for pre-existing conditions can be contested
- Customer service response times vary by region
Choice Home Warranty
Features and considerations
- Basic Plan and Total Plan are clearly structured and easy to compare
- No home inspection required to enroll
- Available for Florida homes regardless of age
Limits and questions
- HVAC coverage caps and exclusions more limiting than First American
- Contractors in network vary in quality by Florida market
- Pre-existing condition language applied broadly in some denied claims
Side-by-Side Comparison
| First American Home Warranty | Choice Home Warranty | |
|---|---|---|
| Monthly cost (Basic) | Request an itemized quote for First American Home Warranty; compare the same scope and payment period. | Request an itemized quote for Choice Home Warranty; compare the same scope and payment period. |
| Service call fee | Request an itemized quote for First American Home Warranty; compare the same scope and payment period. | Request an itemized quote for Choice Home Warranty; compare the same scope and payment period. |
| HVAC coverage | Confirm current First American Home Warranty availability for your address. | Confirm current Choice Home Warranty availability for your address. |
| Roof leak coverage | Confirm current First American Home Warranty availability for your address. | Confirm current Choice Home Warranty availability for your address. |
| Florida BBB rating | Ask the First American Home Warranty provider to document bbb rating for the exact offer. | Ask the Choice Home Warranty provider to document bbb rating for the exact offer. |
| Waiting period | Ask the First American Home Warranty provider to document waiting period for the exact offer. | Ask the Choice Home Warranty provider to document waiting period for the exact offer. |
| Contract term | Read the current First American Home Warranty agreement for coverage, exclusions and cancellation terms. | Read the current Choice Home Warranty agreement for coverage, exclusions and cancellation terms. |
| Best for Florida | Ask the First American Home Warranty provider to document current quote and terms for the exact offer. | Ask the Choice Home Warranty provider to document current quote and terms for the exact offer. |
Frequently Asked Questions
Is a home warranty worth it in Florida?
Yes — more so than in most states. The key is reading HVAC coverage details carefully — caps, refrigerant coverage, and matched system requirements vary significantly between companies.
What does a home warranty NOT cover in Florida?
Read the fine print carefully — Florida's unique hazards (humidity, mold, hurricane damage) are often excluded.
Which home warranty companies have the best coverage for Florida pools and spas?
The add-on typically covers the pool pump, motor, and filter but not the pool structure, screen enclosure, or deck.
Consumer resources
Use these official resources when evaluating an offer. They provide general guidance and do not establish a winner between these options.
- FTC: checking home-repair offers and written agreements — General consumer guidance; not evidence of either brand's price or performance.