Short answer
Home Warranty of America's is stronger on heating & cooling cap, best appliance cap and code & permit upgrades. Which fits better depends on whether your biggest risk is aging systems, appliances, or contract flexibility. Confirm terms in the contract for your state.
Side by side
| Checked Oct 23, 2026 |  Choice Home Warranty |  Home Warranty of America |
|---|---|---|
| Plans | 2 plans (best of those shown) Basic Plan, Total Plan | 2 plans (best of those shown) Premier Plan, Premier Plus Plan |
| Heating & cooling cap | $3,000 (best of those shown) per system | $5,000 (best of those shown) per system |
| Best appliance cap | $3,000 (best of those shown) per appliance, top tier | $5,000 (best of those shown) per appliance, top tier |
| Overall limit | Not stated (best of those shown) | $15,000 (best of those shown) per term |
| Service fee | $100 per claim (best of those shown) | Set in your plan (best of those shown) Not published |
| Code & permit upgrades | Excluded (best of those shown) Code corrections and permits excluded | Limited (best of those shown) Only with OrangePlus add-on: code $250, permits $250 |
| Unknown pre-existing issues | Excluded (best of those shown) Known or unknown pre-existing excluded | Excluded (best of those shown) Pre-existing conditions excluded |
| Cancellation | Anytime (best of those shown) Yes; admin fee may apply after 30 days | Anytime (best of those shown) Yes; pro rata refund less service costs and a small admin fee |
| Waiting period | 30 days (best of those shown) | 30 days (best of those shown) |
| Availability | All states (best of those shown) except WA | Varies by ZIP (best of those shown) No state list published |
| Sample contract | Read it (best of those shown) | Read it (best of those shown) |
| Links | Review | Review |
Covered Limited Excluded Best Most favorable term among the providers shown From each provider's sample contract and plan pages. Not a quote; terms can vary by state.
Which one fits your home?
Choice Home Warranty may suit
- Homeowners whose main concern is kitchen appliances plus heating and plumbing (Basic)
- Buyers who want AC, laundry, and refrigerator in one tier (Total)
Watch for: Air conditioning is only in the Total Plan, and unknown pre-existing conditions are excluded.
Home Warranty of America may suit
- Homeowners who want month-to-month flexibility to cancel
- Homes where a $5,000 per-item cap covers likely repairs
Watch for: A $15,000 total cap per term, and AC isn't in the base Premier plan.
Choice vs. HWA: common questions
Is Choice Home Warranty better than Home Warranty of America?
Home Warranty of America's is stronger on heating & cooling cap, best appliance cap and code & permit upgrades. Which fits better depends on whether your biggest risk is aging systems, appliances, or contract flexibility. Confirm terms in the contract for your state.
Which has higher coverage caps, Choice or HWA?
Heating and cooling: Choice $3,000 per system, HWA $5,000 per system. Appliances: Choice $3,000 per appliance, HWA $5,000 per appliance. Caps are from each provider's sample contract and can vary by plan and state.
Can I cancel Choice or HWA at any time?
Choice: Yes; admin fee may apply after 30 days. HWA: Yes; pro rata refund less service costs and a small admin fee.
Next steps
- Read the full Choice Home Warranty review and Home Warranty of America review.
- See how both stack up against every other provider on our comparison page.
- Check which plans are sold where you live with the plan finder.
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.