What is America’s First Choice?
America’s First Choice was created to provide affordable yet extensive home warranty to the typical American household.
They offer a large range of coverage options and very competitive premiums. No matter your situation, there will be a plan that suits you from America’s First Choice.
They will allow you to use any existing licensed contractors, as well as providing a workmanship guarantee for the life of your coverage, which are both offerings that make America’s First Choice really stand out from its competitors.
You will want to make sure you are completely across what is, and more important is not, covered in your plan. But once this is understood, you might just realize that what America’s First Choice is offering is exactly what you are looking for in your home warranty coverage.
America’s First Choice
What popular features do you get with America’s First Choice?
- Out of network contactors
- Customizable coverage plans
- 24/7 phone support
- No home inspection required
- Adjustable coverage limits
- Optional add-on inclusions
- Option to reduce service fee’s
- Four service plans available
- Work guaranteed for life of plan
- Unlimited number of service requests
Customer Support is available at America’s First Choice
America’s First Choice has a great reputation for being very easy to contact. They can be reached through their online portal, as well as offering 24/7 phone support. While they do not offer a live chat feature, they will respond to facebook messages.
The most prominent issue people have with America’s First Choice is the amount of exclusions they have in their coverage, and therefore the volume of claims that are denied. The specific exclusions per item are not very easy to find or understand, so you will want to make sure you are right across this before taking out any coverage with America’s First Choice.
They also do not require a home inspection, but will not cover any pre-existing conditions. This will mean they will often ask you to prove the damage did not occur prior to coverage being taken out. So while it is not a requirement, we certainly recommend opting for a detailed home inspection if considering coverage.
Who is America’s First Choice?
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Pros and Cons
- With four coverage plans you they provide great options for system or appliance only coverage, as well as a combination.
- You have the flexibility to use any of your own licensed contractors, or you can rely on their network.
- They provide one of the longest workmanship guarantees in the industry, lasting for the length of your coverage with them.
- They have a lot of reviews of not accepting claims due to strict exclusions in their warranty contracts
- They do not provide coverage for pre-existing conditions, which is often one of the reasons used to reject claims. Even though a home inspection is not required, it is recommended for this reason.
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Here are some products we think might be a good fit based on what people like you viewed.
American Home Shield
- Out of network contactors
- Quick and efficient contractor dispatch
- No home inspection required
- Constant contactor quality evaluation
Choice Home : $50 off + 1 month free
- Over 15,000 5 Star Reviews
- 24/7 in our call centers
- 5,000,000 Service Requests
- Nationwide Network of 25,000+ Contractors
- Covered 1,650,000+ Homes Across the USA
Cinch
- On demand contactors
- 180-day workmanship guarantee
- Easy to use online portal
- Multiple payment options
How much does America’s First Choice cost?
*based on information provided by the vendor. Actual cost may vary.
America’s First Choice provides a larger number of coverage options compared with the industry standard. Rather then offering system or appliance only coverage, with a third combination plan, they offer a four plans which provide a blend of what is typical across the rest of the industry.
Their basic systems plan is called just that – Systems. This covers six of the essential household systems including air conditioning and heating, as well as electrical and plumbing. Pricing is variable depending on you location, but is around $40 per month, which is about standard for this type of coverage.
The equivalent plan to this covering household appliances is their Silver plan. This will cover seven major appliances found in most American homes. This includes the clothes dryer and washer, refrigerator, dishwasher and more. This plan is similarly priced at around $38, so if this is in and around your budget, you can decide what is more important to you.
For a slightly higher price, you can choose one of the two plans combining coverage of both of your homes systems and appliances. The first of these is the Gold plan, which is simply a combination of both of the Systems and Silver plans. This is the most popular option provided by America’s First Choice. Price at around $45 per month, it is very affordable coverage when compared with similar plans offered by other brands.
To include coverage on plumbing stoppages, built-in microwave and you ice maker, you can consider the Platinum plan. Coming in at around $50 per month, it is not much more for the peace of mind of having these additional items covered, if they are of need.
The premiums on all plans can be adjusted to lower or raise the attached service fee. So if you are wanting a lower service fee, you will pay a slightly higher premium, and vice versa. This range can be from $75 to $125 per claim filed.
With respect to claim coverage limits, each item comes with its own limit, which are on the lower side of the industry average. So you will need to carefully consider the value, and the repair/replacement costs to ensure you will not be out of pocket at all.
Conclusion
The coverage offered by America’s First Choice is a fantastic budget friendly offering which stands out from other companies in the market.
Their large range of plans is sure to suit almost any coverage you had in mind, with the option to use any licensed contractor and still have a long workmanship guarantee is almost unheard of.
There are a few pitfalls to be aware of, but these can all be navigated, so you can be confident that you are being well looked after by America’s First Choice.
