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5 Choice Home Warranty Alternatives for Affordable Coverage

David Granahan
Choice Home Warranty technician assisting a woman with her broken washing machine
Do you ever worry about coming home from a long day at work to find that one of your appliances has broken and caused damage to your property?

A flooded floor due to a faulty washing machine or power outage because of a loose wire are just some of the many unexpected repairs you'll need to pay for. A home warranty can save you money, especially if you consider all of the other expenses you have like utilities, taxes, and insurance.

Choice Home Warranty is one of the best options available for your home systems and appliances, offering 24/7 customer service with quick response times and comprehensive coverage.

However, you could be looking for more flexible plans, a lower premium, or higher approval rates for repairs. That's why we've created a list of alternatives so you won't have to do the research yourself.

» Are you considering moving? Check out our picks for the best cheap cities for buying a home in 2024.

Our Top Picks for the Best Choice Home Warranty Alternatives in 2024

1. Liberty Home Guard

A versatile service with extensive add-on possibilities

Best for - Tailored policies with a wide range of add-ons

Starting price - From $50/month

Founded in 2017, Liberty Home Guard is still relatively new compared to other providers on the market. With a nationwide network of over 10,000 technicians, you can find a qualified professional to repair your home equipment quickly and efficiently.

Additionally, it offers a large selection of add-ons that you can use to tailor the policy to your situation, so you can have peace of mind and avoid expensive home repair costs.

Pros

  • A large network of technicians to keep your appliances running
  • 24/7 customer service
  • Highly customizable plans with a wide selection of add-ons

Cons

  • 90-day coverage delay on some plans after your purchase
  • The entry-level plan doesn't cover house appliances

Read the full Liberty Home Guard review

Liberty Home Guard Liberty Home Guard Visit Site

2. First American Home Warranty

High coverage caps for appliances

Best for - Writer's choice

Starting price - From $47/month

With First American Home Warranty, you can request a service online or by phone, and they will dispatch a provider to your home within 24 hours. Starting at $3,500, it has one of the highest coverage caps for appliances on this list, so you can minimize out-of-pocket expenses.

It bundles the American Advantage upgrade in its Essential and Premium plans, covering various items and scenarios not typically found in a standard home warranty, such as HVAC (Heating, Ventilation, and Air Conditioning) removal via crane.

Pros

  • Affordable pricing
  • From $3,500 in coverage/appliance, depending on the plan
  • Free annual inspection

Cons

  • Air conditioning coverage is available only as an add-on
  • Not available in all states

First American Home Warranty First American Home Warranty Visit Site

Read the full First American Home Warranty review

» Take a look at the essential home maintenance tips for your fall checklist.

3. Select Home Warranty

Affordable service with roof leak protection

Best for - Low service fees

Starting price - From $44/month

Roof leaks can be a significant expense, so it's essential to have coverage for them. Select Home Warranty includes it with every plan, which can be a money saver if you want to stay on a budget.

With affordable service fees ranging from $75 to $100, it encourages you to proactively address maintenance issues to lower the cost over time. With a lower out-of-pocket expense, you won't have to avoid requesting help for more minor problems. This can lead to better upkeep of your home appliances and systems, extending their lifespan.

Pros

  • Claims are typically processed within the 24 hour window
  • Affordable plans
  • Roof leak coverage included in all plans

Cons

  • Doesn't cover structural components like decks and gutters
  • Lower coverage caps

Read the full Select Home Warranty review

Select Home Warranty Select Home Warranty Visit Site

4. First Premier

A jack of all trades for a variety of needs

Best for - Coverage on most of your appliances

Starting price - From $40/month

First Premier home warranty basic plan covers most major systems and appliances, and if you upgrade it, you get coverage for some additional items, such as garage door openers, security systems, and more. Moreover, if you sell your home, you'll be able to transfer your policy for free.

The unique coverage options, such as replacements for dishwasher racks, baskets, rollers, knobs, and dials. These minor breakdowns are one of the most common appliance problems you can face as a homeowner.

Pros

  • Covers smaller breakdowns like dishwasher racks and dials
  • You can file a claim by phone or email 24 hours a day
  • You can transfer the policy for free

Cons

  • HVAC isn't included in the basic plan
  • Only two plans are available

Read the full First Premier review

First Premier First Premier Visit Site

5. American Home Shield

Long-term assurance against hidden imperfections

Best for - Affordable plans

Starting price - From $39/month

Not all homes are the same. You may have different or additional items that need protection. American Home Shield (AHS) offers extensive home warranty add-ons to protect extra items in your house, such as pools and in-ground spas, guest units, electronics, and septic and well pumps.

Additionally, AHS covers rust, corrosion, pre-existing conditions, and breakdowns caused by a lack of maintenance. This way, you can have peace of mind knowing that even hidden imperfections are handled, sparing you from unexpected repairs.

Pros

  • Extended coverage for extra items like guest units and pools
  • Covers pre-existing conditions
  • Frequent discounts on services like lawn care and pest control

Cons

  • Long wait times for service calls
  • The workmanship guarantee covers only 30 days after the work is done

Read the full American Home Shield review

American Home Shield American Home Shield Visit Site

Why Choose These Choice Home Warranty Alternatives?

For Customizable Plans

These Choice Home Warranty alternatives have similar or more extensive plans that can be tailored to your specific needs. This means you can protect all your appliances, systems, and even additional items like pools or well pumps.

For Cost Considerations

Long-term cost savings is one of the main reasons to get a home warranty. And with high approval rates, these alternatives help you avoid expensive home repair costs.

For Transparent Coverage Plans

It can be frustrating when you expect a warranty to cover certain repairs or replacements, only for your provider to deny your repair claim. The above alternatives strike the right balance between affordability and coverage by offering transparent pricing, ensuring you know exactly what you're paying for.

Bottom Line: Our Best Choice Home Warranty Alternatives

The alternatives above have distinctive characteristics that might suit your home.

For example, if you prefer high coverage caps to minimize the out-of-pocket expense of fixing major appliances, choose Liberty Home Guard. On the other hand, if you just bought a home and want to check for any hidden faults, American Home Shield is the better option.

Be aware of the different fees and service limits that apply, and ensure you have the right coverage in place for your systems and appliances to ensure your home warranties are worth it.

» Want to add value to your property? Here are 10 things you should and shouldn't do.

David Granahan
David Granahan writes for Top10.com and is a qualified financial advisor with six years experience in financial services across the insurance and investment sectors. He is also a financial writer who has worked with some of the world's largest brands and fintech startups.