Provider reviews
2-10 Home Buyers Warranty review
A clearly documented plan agreement with a systems-only option and a combination option. Per-item caps are stated plainly ($5,000 for heating and cooling, $2,000 per appliance), and you choose your service fee. Code, permit, and modification costs are excluded except where state law requires them, which matters most in older homes.
Read review · checked 2026-10-23 →
American Home Shield review
AHS offers a systems-only tier and two combination tiers with a $5,000 per-system HVAC cap and a $50,000 aggregate limit in the sample agreement. The main differences between tiers are appliance caps and whether code-upgrade and roof leak allowances are included.
Read review · checked 2026-10-23 →
Choice Home Warranty review
Choice offers two tiers under a sample agreement that caps each covered item at $3,000 per 12-month period. The contract excludes both known and unknown pre-existing conditions and code-related work, which matters more in older homes.
Read review · checked 2026-10-23 →
First American Home Warranty review
First American's Colorado sample contract covers lack of maintenance, rust and corrosion, states no general aggregate cap, and raises appliance limits to $7,000 each on Premium. Code and permit costs need the optional Advantage add-on, and unknown pre-existing defects are covered only in real estate transactions.
Read review · checked 2026-10-23 →
Home Service Club review
HSC's sample contract covers a long list of systems and appliances and doesn't require maintenance records, but its limits are low: $2,000 per claim, heating and AC combined at $2,000 a year, and $6,000 or $9,000 total per year. Code upgrades are excluded, and canceling after claims can leave you owing service costs.
Read review · checked 2026-10-23 →
Home Warranty of America review
HWA's 2022 sample contract caps payouts at $5,000 per item and $15,000 per term, starts coverage after 30 days, and lets you cancel any time for a pro rata refund. Code and permit costs are covered only through the OrangePlus add-on, and pre-existing conditions are excluded.
Read review · checked 2026-10-23 →
Old Republic Home Protection review
Old Republic's 01/2026 sample contract sets $6,500 per-system heating and AC caps with no aggregate limit, and Deluxe and Elite include $500 and $1,000 allowances for code violations and permits, which can matter in older homes. In the default terms, the contract can't be cancelled at will.
Read review · checked 2026-10-23 →Head-to-head comparisons
AHS vs. Choice
Caps, fees, exclusions, and cancellation, side by side.
Compare → Choice vs. First American
Caps, fees, exclusions, and cancellation, side by side.
Compare → AHS vs. First American
Caps, fees, exclusions, and cancellation, side by side.
Compare → AHS vs. Old Republic
Caps, fees, exclusions, and cancellation, side by side.
Compare → 2-10 vs. AHS
Caps, fees, exclusions, and cancellation, side by side.
Compare → Choice vs. HWA
Caps, fees, exclusions, and cancellation, side by side.
Compare →What every review includes
- The provider and the specific plans and contract version we reviewed, with the date we checked.
- Who the plan may suit, and who it may not.
- Covered items, limits, exclusions, service fees, claims process, cancellation, and availability, to the extent we could verify them.
- A clear separation between facts published by the provider and our editorial assessment.
- Links to the provider's sample contract or terms where available.
- A "what to verify before buying" checklist.
We don't claim first-hand testing unless it actually happened, and we don't use unsupported "number one" or "guaranteed" claims. Some reviews include affiliate links; they're labeled, and our affiliate disclosure explains how that works.
This page is general education, not legal, financial, or insurance advice. Home warranty terms vary by provider, plan, and state; the contract you sign controls what is covered. Spotted an error? Request a correction.