American Dwelling Protect and Selection Dwelling Guarantee are two dwelling guarantee corporations with extensive protection, providing repairs for main dwelling programs and home equipment. Whereas American Dwelling Protect can pay extra towards permitted repairs, Selection Dwelling Guarantee tends to be extra inexpensive for premiums and repair charges.
NerdWallet score
NerdWallet’s rankings are decided by our editorial group. The scoring system takes under consideration the kind of dwelling guarantee being reviewed and the guarantee’s price, protection ranges, buyer evaluations and different options.
on Selection Dwelling Guarantee’s web site
NerdWallet score
NerdWallet’s rankings are decided by our editorial group. The scoring system takes under consideration the kind of dwelling guarantee being reviewed and the guarantee’s price, protection ranges, buyer evaluations and different options.
on Selection Dwelling Guarantee’s web site
Month-to-month premiums
About $49 and up
Based mostly on quotes collected in September 2025.
States accessible
49
states, and Washington, D.C.
Month-to-month premiums
About $49 and up
Based mostly on quotes collected in September 2025.
States accessible
49
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
NerdWallet score
NerdWallet’s rankings are decided by our editorial group. The scoring system takes under consideration the kind of dwelling guarantee being reviewed and the guarantee’s price, protection ranges, buyer evaluations and different options.
on American Dwelling Protect’s web site
NerdWallet score
NerdWallet’s rankings are decided by our editorial group. The scoring system takes under consideration the kind of dwelling guarantee being reviewed and the guarantee’s price, protection ranges, buyer evaluations and different options.
on American Dwelling Protect’s web site
Month-to-month premiums
$20 and up
Based mostly on quotes collected in August 2025.
States accessible
48
states, and Washington, D.C.
Month-to-month premiums
$20 and up
Based mostly on quotes collected in August 2025.
States accessible
48
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Our tackle Selection Dwelling Guarantee vs. American Dwelling Protect
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3.5 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
4.5 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
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4.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
5.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
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3.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
5.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
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2.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
2.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
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4.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
5.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
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5.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
5.0 NerdWallet score NerdWallet’s rankings are decided by our editorial group. The scoring formulation take into consideration a number of knowledge factors for every monetary product and repair. |
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This snapshot exhibits some elements that we contemplate when score a house guarantee firm and isn’t consultant of the complete analysis course of. |
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Key variations between Selection Dwelling Guarantee and American Dwelling Protect
Selection Dwelling Guarantee and American Dwelling Protect supply related providers, have comparable plans and supply protection in most states. Nonetheless, there are a couple of key variations that prospects ought to contemplate when selecting a house guarantee, together with:
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American Dwelling Protect gives extra plans and better protection limits than Selection Dwelling Guarantee.
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Selection Dwelling Guarantee’s pricing is similar irrespective of the place you reside, so that you don’t have to fret a few steep month-to-month premium like with American Dwelling Protect.
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American Dwelling Protect has two service charge choices; Selection Dwelling Guarantee solely has one service charge that each one prospects pay, however it’s cheaper than American Dwelling Protect’s highest service charge.
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Selection Dwelling Guarantee covers extra gadgets in its prime plan than American Dwelling Protect and gives extra add-on gadgets for elective protection.
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Each corporations have buyer evaluations that say wait time for repairs will be lengthy and a few technicians aren’t educated about repairs; nonetheless, shoppers’ evaluations appear to lean towards American Dwelling Protect having higher customer support.
Prices
The winner: It is a tie — American Dwelling Protect has cheaper premiums in some areas, however Selection Dwelling Guarantee has constant and predictable pricing.
Month-to-month premium
Selection Dwelling Guarantee’s plans price between $49.16 and $57.50 monthly, relying on the plan you select. The corporate has constant pricing, so that you’re prone to get the identical or the same charge as different householders no matter your location. Selection Dwelling Guarantee is out there in 49 states, together with Washington, D.C. It’s not accessible in Washington state.
American Dwelling Protect, nonetheless, bases its pricing on prospects’ areas. For instance, the most cost effective quote we’ve discovered with American Dwelling Protect is $19.99, which was for a house in Anaheim, California. That very same plan and repair charge combo was $59.99 monthly in an space of Dallas, Texas. The most costly quote we discovered for American Dwelling Protect was $119.99 monthly. American Dwelling Protect is out there in 48 states, excluding Alaska and Hawaii. Though it does supply protection in New York, the corporate doesn’t cowl properties in New York Metropolis.
Service charge
Dwelling guarantee corporations often require prospects to pay a service charge each time a technician responds to a declare. Selection Dwelling Guarantee costs prospects $100 per service name, however advertises that some prospects would possibly qualify for a reduction that lowers the service charge.
American Dwelling Protect lets prospects select between $100 or $125 service charges after they join their contracts. Clients who select the upper service charge can pay a decrease month-to-month premium. Nonetheless, each choices are on the upper finish of service charges amongst dwelling guarantee corporations.
“Plan your funds to incorporate your month-to-month premium, which needs to be the identical each month, plus the service charges you’ll pay each time a technician involves your property. Relying on your property, you would possibly need to plan on submitting between one and 4 claims a 12 months.”
The winner: Selection Dwelling Guarantee
Plans
Selection Dwelling Guarantee has two complete plans that cowl main programs and home equipment. Its Fundamental Plan covers heating, electrical and plumbing programs, in addition to main kitchen home equipment. The Complete Plan consists of the identical gadgets and provides protection for air-con programs, fridges, washers and dryers. As a result of each plans have complete protection, you may’t get a plan that covers solely home equipment or solely programs.
American Dwelling Protect gives three plans. The bottom plan, ShieldSilver, covers HVAC programs, electrical and plumbing programs and some gadgets which can be usually categorized as home equipment, reminiscent of storage door openers and exhaust followers. The subsequent plan, ShieldGold, provides to that protection with most main kitchen home equipment, together with washer and dryers. The highest plan, ShieldPlatinum, has the identical protection as ShieldGold however provides restricted roof leak repairs and will increase the quantity the corporate can pay towards equipment repairs.
Non-obligatory protection
American Dwelling Protect and Selection Dwelling Guarantee supply add-on protection for particular gadgets that aren’t included of their plans. Their elective protection is just like what most dwelling guarantee corporations supply.
Examine elective protection gadgets
Exclusions and limits
The winner: American Dwelling Protect
Protection limits
Most dwelling guarantee corporations restrict how a lot they’ll pay towards a restore or to exchange a lined merchandise. Selection Dwelling Guarantee caps its protection at $3,000 per merchandise for each plans. This consists of paying or reimbursing you as much as:
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$3,000 whole for heating and air-con mixed.
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$3,000 for plumbing programs.
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$3,000 for electrical programs.
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$3,000 for every equipment.
It additionally pays as much as $500 for qualifying roof leak repairs when you go for the additional protection.
However, American Dwelling Guarantee has completely different limits for every class of repairs. It’ll pay to as much as:
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$5,000 for heating programs and $5,000 for air-con programs.
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$3,000 for plumbing programs.
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$3,000 for electrical programs.
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$2,000 or $4,000 for home equipment, relying on the plan.
It additionally pays as much as $1,000 for qualifying roof leak repairs with its most costly plan.
Notable exclusions
Most dwelling warranties solely cowl repairs for regular put on and tear of lined gadgets. So it’s not shocking that Selection Dwelling Guarantee and American Dwelling Protect gained’t cowl:
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Common upkeep of programs and home equipment.
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Bodily harm to a lined merchandise.
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Beauty repairs that don’t have an effect on a lined merchandise’s performance.
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Injury ensuing from pure disasters, together with floods and fires.
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Gadgets which can be at the moment lined by a producer or third-party guarantee.
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Gadgets which have a producer or authorities recall.
Selection Dwelling Guarantee additionally excludes protection for pre-existing situations, which implies it gained’t pay to restore points that existed earlier than your contract protection began. American Dwelling Protect has the identical exclusion, however it’s going to cowl points brought on by mismatched HVAC programs, even when you knew the programs had been mismatched earlier than your contract began.
Each corporations additionally state of their contracts that they gained’t assure that you simply’ll get an an identical merchandise in the event that they change your system or equipment. American Dwelling Protect says it would change your merchandise with a distinct make, mannequin, shade or end, and Selection Dwelling Guarantee says it’s not chargeable for upgrading or modifying your lined merchandise if a substitute isn’t appropriate together with your present gear.
An space the place American Dwelling Protect comes out forward is with disposal of an previous system or equipment. If the corporate repairs or replaces a lined merchandise, it agrees to take away it and get rid of it, at any time when moderately doable; American Dwelling Protect consists of this service in your protection. However, Selection Dwelling Guarantee says {that a} technician can cost you an additional charge to get rid of your previous merchandise.
Restore assure
Most dwelling guarantee corporations assure repairs that they’ve paid for, which retains you from paying one other service charge if a restore fails and must be carried out once more. The size of those restore ensures fluctuate throughout dwelling guarantee corporations.
Selection Dwelling Guarantee and American Dwelling Protect have the identical 30-day restore assure. So prospects with each corporations have the identical size of protection earlier than they must pay one other service charge for a failed restore.
Selection Dwelling Guarantee vs. American Dwelling Protect: Which might we select?
Though Selection Dwelling Guarantee and American Dwelling Protect supply related providers and have a number of the identical exclusions, there are a couple of causes we might select one firm over the opposite.
Selection Dwelling Guarantee may be the higher choice for householders preferring:
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Constant pricing no matter their location.
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Complete protection choices.
NerdWallet score
NerdWallet’s rankings are decided by our editorial group. The scoring system takes under consideration the kind of dwelling guarantee being reviewed and the guarantee’s price, protection ranges, buyer evaluations and different options.
on Selection Dwelling Guarantee’s web site
NerdWallet score
NerdWallet’s rankings are decided by our editorial group. The scoring system takes under consideration the kind of dwelling guarantee being reviewed and the guarantee’s price, protection ranges, buyer evaluations and different options.
on Selection Dwelling Guarantee’s web site
Month-to-month premiums
About $49 and up
Based mostly on quotes collected in September 2025.
States accessible
49
states, and Washington, D.C.
Month-to-month premiums
About $49 and up
Based mostly on quotes collected in September 2025.
States accessible
49
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
American Dwelling Protect may be the higher choice for householders preferring:
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Extra customizable plan choices.
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Decisions in service charges and associated month-to-month premiums.
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Increased protection limits, particularly for HVAC and equipment repairs.
NerdWallet score
NerdWallet’s rankings are decided by our editorial group. The scoring system takes under consideration the kind of dwelling guarantee being reviewed and the guarantee’s price, protection ranges, buyer evaluations and different options.
on American Dwelling Protect’s web site
NerdWallet score
NerdWallet’s rankings are decided by our editorial group. The scoring system takes under consideration the kind of dwelling guarantee being reviewed and the guarantee’s price, protection ranges, buyer evaluations and different options.
on American Dwelling Protect’s web site
Month-to-month premiums
$20 and up
Based mostly on quotes collected in August 2025.
States accessible
48
states, and Washington, D.C.
Month-to-month premiums
$20 and up
Based mostly on quotes collected in August 2025.
States accessible
48
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
How we charge and evaluation dwelling warranties
Our Dwelling Companies group evaluations dwelling guarantee corporations with our readers in thoughts. We offer unbiased evaluations that contemplate a number of elements, together with price, lined gadgets, protection limits, buyer rankings, means to decide on your personal technician and guarantee on work accomplished. When score dwelling warranties, we researched 13 corporations, in contrast phrases and situations of their service agreements and skim buyer evaluations from three shopper evaluation web sites. Whereas NerdWallet does have partnerships with some dwelling guarantee corporations, our editorial group is uninvolved in that course of to make sure unbiased evaluations and suggestions. Learn extra about how NerdWallet charges dwelling warranties.
