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Choice Home Warranty vs. American Home Shield (2021)

A home warranty plan, or home service contract, protects homeowners from paying expensive repair and replacement bills for their systems and appliances. This article compares Choice Home Warranty and American Home Shield on their coverage plans, reviews, and more to help you decide which is best for protecting your home.

two-story house from the front protected by a home warranty Adobe

Looking for a comparison of Choice Home Warranty vs. American Home Shield? Choice Home Warranty (CHW) and American Home Shield (AHS) are top-rated home warranty companies that offer comprehensive plans that protect a variety of home appliances and systems. Continue reading for the This Old House Review team’s analysis of Choice Home Warranty and American Home Shield and determine which offers the best home warranty.

Our Take

Both American Home Shield and Choice Home Warranty offer comprehensive home warranty plans that protect your major systems and appliances. American Home Shield offers more coverage plans and customization options than Choice Home Warranty, but Choice Home Warranty plans cost less.

Side-by-Side Comparison: Choice Home Warranty vs. American Home Shield

Provider Choice Home Warranty American Home Shield
Provider Choice Home Warranty American Home Shield
This Old House rating 9.3/10 9.5/10
Get a free quote Visit site Visit site
Plan options Basic, Total, and optional add-ons ShieldSilver™, ShieldGold™, ShieldPlatinum™, and optional add-ons
Monthly premiums $36–$44 per month $40–$58 per month
Service fee deductible $60–85 $75–$125
State availability 48 states (all except California and Washington) 49 states (all except Alaska)
BBB rating B- B
Years in business 12 49

Choice Home Warranty vs. American Home Shield Coverage

American Home Shield offers three plans plus optional add-ons, while Choice Home Warranty offers two plans and options for extra coverage. Here’s a detailed breakdown of these providers’ coverage options:

Choice Home Warranty Coverage

Choice Home Warranty offers two coverage plans: a Basic Plan and Total Plan. The Basic Plan covers 14 appliances and systems but excludes coverage for an air conditioning system, refrigerator, washer, and dryer. The Total Plan covers everything in the Basic plan, plus these four items.

Plans

Plans Basic Plan Total Plan
Plans Basic Plan Total Plan
Air Conditioner
Refrigerator
Clothes Washer
Clothes Dryer
Heating System
Electrical System
Plumbing System
Plumbing Stoppages
Water Heater
Whirlpool Bathtub
Oven, Range, and Stove
Cooktop
Dishwasher
Built-in Microwave
Garbage Disposal
Ductwork
Garage Door Opener
Ceiling and Exhaust Fans

Choice Home Warranty also offers these nine optional add-ons:

  • Septic system
  • Sump pump
  • Stand alone freezer
  • Second refrigerator
  • Central vacuum
  • Pool and spa
  • Septic tank pumping
  • Limited roof leaks
  • Well pump
To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form.

American Home Shield Coverage

There are three American Home Shield plans: ShieldSilver™, ShieldGold™, and ShieldPlatinum™. ShieldPlatinum covers everything included in the Systems and Appliances plans with additional benefits such as coverage boosts and roof leak coverage.

Plans

Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Air Conditioning
Heating System
Ductwork
Electrical
Doorbells
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Refrigerators
Ranges, Ovens, and Cooktops
Clothes Washer
Clothes Dryers
Dishwashers
Built-In Microwave
Trash Compactors
Freestanding Ice Maker
Garage Door Opener
Built-In Food Centers
Coverage Boost
Roof Leak Coverage

AHS offers coverage for these five optional add-ons:

  • Pool and spa
  • Well pump
  • Septic pump
  • Electronic extended warranty
  • Guest units up to 750 square feet
To get a free quote from American Home Shield, call 844-529-9298 or submit this simple form.

Choice Home Warranty vs. American Home Shield Cost

Choice Home Warranty monthly premiums cost less than American Home Shield premiums, ranging between $40–$58 per month. Choice Home Warranty charges a $60–$85 service call fee, while American Home Shield lets you choose a service fee of $75, $100, or $125. The lower the service fee you select, the higher your monthly premium will be and vice versa.

Note: The cost of optional add-ons will vary depending on the specific item purchased, typically adding about $40 to $180 per year to your overall cost.

Choice Home Warranty Cost

Monthly Premium Cost $36–$44 per month
Monthly Premium Cost $36–$44 per month
Service Fee Deductible $60–$85

American Home Shield Cost

Monthly Premium Cost $39.99–$57.99 per month
Monthly Premium Cost $39.99–$57.99 per month
Service Fee Deductible $75–$125

Because the cost of a home warranty will depend on your location, the coverage plan you choose, and the square footage of your home, we recommend getting quotes from both providers.

Choice Home Warranty vs. American Home Shield Reviews

American Home Shield and Choice Home Warranty both received positive ratings from the Better Business Bureau (BBB). Regarding customer reviews from the BBB, American Home Shield reviews are more positive, on average, than Choice Home Warranty reviews.

Home Warranty Reviews Comparison

Provider Choice Home Warranty American Home Shield
Provider Choice Home Warranty American Home Shield
BBB rating B B
BBB accreditation No Yes
Average BBB customer review rating (out of 5 stars) 1 star 2 ½ stars
Number of customer reviews on BBB webpage 1,483 reviews 6,198 reviews

Our Conclusion

We recommend American Home Shield if you want comprehensive coverage from a trustworthy provider. If you’re on a budget and want basic home warranty coverage, Choice Home Warranty may be a better option.

Note: A class action lawsuit was filed against Choice Home Warranty in 2019 and remains ongoing. To read more about the lawsuit, click here.

To learn what each provider would charge, request free quotes using the panel above. For additional information on these providers, read our American Home Shield review and our Choice Home Warranty review.

Frequently Asked Questions About Home Warranties

Is a home warranty worth it?

A home warranty plan from a reputable provider like American Home Shield or Choice Home Warranty may be worth it for homeowners because it protects them from having to pay unexpected expenses out of pocket when a system or appliance breaks down or needs significant repairs.

How does a home warranty plan work?

Homeowners pay a monthly premium between $25–$60 for their home warranty. When a repair or replacement is needed, homeowners file a claim and are only responsible for a service call fee between $60–$125.

Is there a waiting period for home warranty coverage?

After purchasing a warranty, there’s typically a 30-day waiting period before you can request service on a system or appliance.

How much does American Home Shield cost?

American Home Shield costs between $39.99–$57.99 per month and lets you choose a service fee of $75, $100 or $125. The service fee you select affects the cost of your monthly premium.

Do Choice Home Warranty and American Home Shield cover HVAC?

Yes. Both Choice Home Warranty plans cover your HVAC system, and you can get HVAC coverage from American Home Shield with the company’s Systems and Combo Plans.

Do Choice Home Warranty and American Home Shield cover roofs?

No. American Home Shield doesn’t offer roof coverage, but you can purchase optional roof leak coverage from Choice Home Warranty. With this coverage, you’ll be covered for the full cost of repairing a roof leak but won’t have coverage for roof replacements.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.