Which home service contract company comes out on top when you compare?

When it comes to comparing home service contracts and home service contract companies, it is helpful to first start with categories to compare them by.

These are the three “c’s” we accounted for in our home service contract company comparison:

• Customer Service


• Coverage


• Cost

After comparing the home service contract companies in these three categories, and taking into consideration reviews left on HomeWarrantyReviews.com, Yelp and Google, we then compared the top four home service contract companies – to each other.

Here are the comparison results:

Home Service Contract Company Comparison No.1: Choice Home Warranty vs. Sears Home Warranty

Customer Service Comparison:

Choice Home Warranty
BBB Rating: C+
NHSCA Member: No

Sears Home Warranty
BBB Rating: No Rating
NHSCA Member: No

In the customer service comparison of Choice Home Warranty versus Sears Home Warranty, the results are a tie. Sears Home Warranty, which is an affiliate company of Sears Brands, LLC, does not have its own BBB rating. Rather, Sears Holdings Corporation, as the umbrella parent company, has been assigned an “NR” rating by the Better Business Bureau. The BBB assigns a company an “NR,” or “No Rating,” classification for reasons including insufficient information or for those businesses going through a BBB file update and/or review, which is most likely the reason behind Sears Holdings Corporation’s NR rating.

Neither Choice Home Warranty nor Sears Home Warranty hold active memberships with the National Home Service Contract Association (NHSCA), a non-profit industry trade organization of member companies serving home service contract providers and consumer interests throughout the United States.

Coverage Comparison:

Choice Home Warranty
Coverage Area: 48 States
Plan Options: Multiple

Sears Home Warranty
Coverage Area: National
Plan Options: Multiple

In the coverage comparison of Choice Home Warranty versus Sears Home Warranty, the results are also a tie, with both companies offering nationwide – or practically nationwide – coverage to their customers. Both home service contract companies also offer multiple plan options, including Sears’ “Whole House Warranty,” “Appliance Warranty,” and a “Systems Warranty.”

Cost Comparison:

Choice Home Warranty
Premium: $370.00 – $450.00
Deductible: $60.00

Sears Home Warranty
Premium: NA
Deductible: $75.00+

In the cost comparison of Choice Home Warranty versus Sears Home Warranty, Choice Home Warranty comes out on top for their premium transparency and a slightly lower deductible.

Choice Home Warranty vs. Sears Home Warranty: By narrow margins, Choice Home Warranty comes out on top in the comparison of Choice Home Warranty versus Sears Home Warranty.

For more quote comparison information on Choice Home Warranty Plans and Sears Home Warranty Service Plans continue your research of Top Home Warranty Companies.

Home Service Contract Company Comparison No.2: American Home Shield vs. Sears Home Warranty

Customer Service Comparison:

American Home Shield
BBB Rating: B
NHSCA Member: Yes

Sears Home Warranty
BBB Rating: NR
NHSCA Member: No

In the customer service comparison of American Home Shield versus Sears Home Warranty, American Home Shield comes out on top with a comprehensive rating by the BBB, and an active membership with the NHSCA.

Coverage Comparison:

American Home Shield
Coverage Area: Select States
Plan Options: Multiple

Sears Home Warranty
Coverage Area: National
Plan Options: Multiple

In the coverage comparison of American Home Shield versus Sears Home Warranty, Sears Home Warranty again comes out on top in this category for their comprehensive nationwide coverage, all backed by additional Sears home service offerings.

Cost Comparison:

American Home Shield
Premium: $299.00+
Deductible: $75.00+

Sears Home Warranty
Premium: NA
Deductible: $75.00+

In the cost comparison of American Home Shield versus Sears Home Warranty, the results are a draw. Both American Home Shield and Sears Home Warranty have deductibles starting at $75.00, and although American Home Shield has more transparent premium rates listed on their website, Sears Home Warranty, because of their national coverage, provides custom quotes based on location. Sears Home Warranty also provides insight into their per claim and per year cap, of $10,000 and $50,000 respectively, plus there is no service request limit and they provide a 180-day service guarantee on all of their workmanship.

American Home Shield vs. Sears Home Warranty: Both American Home Shield and Sears Home Warranty are very good home service contract companies. With a narrow win, Sears Home Warranty comes out on top in this comparison. With over 130 years in business, Sears Holdings Corporation has some of the most comprehensive and competitive service offerings when it comes to home service contracts.

For more quote comparison information on American Home Shield Warranty and Sears Home Warranty, continue your research on CompareHomeWarrantyQuotes.com.

Home Service Contract Company Comparison No.3: Sears Home Warranty vs. Total Home Protection

Customer Service Comparison:

Sears Home Warranty
BBB Rating: NA
NHSCA Member: No

Total Home Protection
BBB Rating: B+
NHSCA Member: No

In the customer service comparison of Sears Home Warranty versus Total Home Protection, the results are a draw. Neither company hold an active membership with the NHSCA, a membership Compare Home Warranty Quotes and the home service contract industry at large interpret to be a clear indicator of those companies adhering to industry best practices, with a commitment to providing customers with the best when it comes to home service contracts.

Coverage Comparison:

Sears Home Warranty
Coverage Area: National
Plan Options: Multiple

Total Home Protection
Coverage Area: NA
Plan Options: Multiple

In the coverage comparison of Sears Home Warranty versus Total Home Protection, Sears Home Warranty comes out on top by providing nationwide coverage. Total Home Protection provides coverage in most states, and both home warranty companies have multiple plan options, including middle-of-the-road plans, platinum plans and the option to add on additional home appliances and systems.

Cost Comparison:

Sears Home Warranty
Premium: NA
Deductible: $75.00

Total Home Protection
Premium: NA
Deductible: NA

In the cost comparison of Sears Home Warranty versus Total Home Protection, Sears Home Warranty comes out with a slight advantage by providing deductible information to consumers looking to compare home warranty companies and home warranty plans. Because of both company’s coverage options spanning multiple states, they do not provide immediate insight into their plans premium costs.

Sears Home Warranty vs. Total Home Protection: In another close comparison, Sears Home Warranty comes out on top, yet again, in the Sears Home Warranty versus Total Home Protection company comparison.

Closing Remarks on Home Service Contract Company Comparisons

Nothing compares to having a home service contract and a home service contract company you can count on – especially when you need them.

And while this is our comparison, we encourage families to consider local and national providers and to conduct their own home service contract company comparison complete with categories that are important to them.

Home Service Contract Resources:

• For home service contract quote comparisons, visit our Top Home Warranty Company Comparison page.


• For reviews on home service contract companies, go to HomeWarrantyReviews.com.


• And lastly, we encourage consumers to read up on the latest from the National Home Service Contract Association and to check that the home service contract company they are considering is a member.