Home Warranty, Repair Plan and Home Inspection Companies
The home warranty and repair plan companies buyers meet at closing, and the two big home inspector associations, from SEC filings, state attorney general records and the organizations’ own pages.
Last updated: 2026-10-20
Alphabetical, not ranked.
We do not score home warranty companies or inspector associations. Whether a plan pays depends on the contract and the claim, which we cannot test. Listed alphabetically.
What the sources reveal
- Warranties live on renewals, not closings. Frontdoor earned $141M from the real estate channel in 2025 and $1,587M from renewals. Frontdoor 10-K.
- Claims cost fell while prices rose. First American paid 41.4% of premiums in claims in 2025, down from 48.8% in 2023, and says premiums grew mainly from a higher average price per policy. First American 10-K.
- State attorneys general are the main public record for private sellers. Choice Home Warranty agreed to an $11.8M Arizona judgment in 2026 after a $780,000 New Jersey settlement in 2015; it denies the Arizona allegations. Arizona AG, New Jersey AG.
- Repair plans sell through your utility. HomeServe says more than 1,300 utilities and cities partner with it, and their logos appear on its mail with their approval. HomeServe.
- Inspector credentials differ. ASHI’s top level needs at least 250 fee-paid inspections; InterNACHI offers a home buy-back guarantee with narrow conditions. ASHI, InterNACHI.
Home warranty: what the filings show
| Company | 2025 revenue | From renewals | From real estate closings | Claims cost |
|---|---|---|---|---|
| Frontdoor | $2,093M | $1,587M (76%) | $141M (7%, our arithmetic) | Cost of services $936M (45% of revenue, our arithmetic) |
| First American | $442.9M | ‘A large portion’ (not quantified) | Not split out | 41.4% of premiums |
| Choice | Private; no figures published | |||
Frontdoor’s and First American’s claims measures are defined differently, so compare them loosely. Frontdoor 10-K, First American 10-K.
Before you buy a warranty
- Ask for the full contract, not a brochure, and read the exclusions and the coverage caps per item.
- Ask who the obligor is: the company that must pay claims can be a different company from the one selling the plan.
- Check your state attorney general’s site and insurance department for actions against the company.
By segment
Home warranty companies
Annual service contracts that repair or replace home systems and appliances.
3 profiled · Open →Utility-line repair plans
Plans for water, sewer, gas and electric lines, sold through utilities and cities.
1 profiled · Open →Home inspector associations
ASHI and InterNACHI: the standards and credentials behind most U.S. home inspectors.
2 profiled · Open →Profiled firms (alphabetical)
| Firm | Segment | Scale (as published) | Status |
|---|---|---|---|
| ASHI (American Society of Home Inspectors) | Home inspector associations | Professional association (member count not published on pages read) | Nonprofit trade association. |
| Choice Home Warranty | Home warranty companies | Sells nationally (no figures published) | Private. Settled state consumer fraud cases in New Jersey (2015) and Arizona (2026). |
| First American Home Warranty | Home warranty companies | $442.9M segment revenue (2025); operates in 36 states and DC | Segment of a public title insurer. |
| Frontdoor (American Home Shield) | Home warranty companies | About 2.1 million active home warranties; $2,093M revenue (2025) | Public company. Brands: American Home Shield, HSA, OneGuard, Landmark, 2-10 HBW. |
| HomeServe | Utility-line repair plans | Nearly 5 million customers; 1,300+ utility and municipal partners (self-reported) | Private. Owned through Brookfield Infrastructure since Jan 2023. |
| InterNACHI (International Association of Certified Home Inspectors) | Home inspector associations | Calls itself the world’s largest inspector trade group; 65 countries (self-reported) | Nonprofit trade organization, founded 1994. |
Figures are from 2025 10-K and 20-F filings, state attorney general records, or the organization’s own pages where marked. Read 2026-10-20.
ASHI (American Society of Home Inspectors)
Nonprofit trade association.
Its top credential, ASHI Certified Inspector, requires at least 250 fee-paid inspections and the National Home Inspector Examination.
Profile and sources →Choice Home Warranty
Private. Settled state consumer fraud cases in New Jersey (2015) and Arizona (2026).
Agreed in January 2026 to pay Arizona $11.8M and change its sales practices; it denies the allegations.
Profile and sources →First American Home Warranty
Segment of a public title insurer.
Paid out 41.4% of premiums in claims in 2025, down from 48.8% in 2023, and earned a 19.5% pretax margin.
Profile and sources →Frontdoor (American Home Shield)
Public company. Brands: American Home Shield, HSA, OneGuard, Landmark, 2-10 HBW.
Agents hand out warranties at closing, but the real estate channel was only $141M of Frontdoor’s $2,093M revenue in 2025. Renewals were 76%.
Profile and sources →HomeServe
Private. Owned through Brookfield Infrastructure since Jan 2023.
Sells repair plans for water, sewer, gas and electric lines, mostly through 1,300+ utilities and cities whose logos appear on its mail.
Profile and sources →InterNACHI (International Association of Certified Home Inspectors)
Nonprofit trade organization, founded 1994.
Backs participating inspectors with a ‘We’ll Buy Your Home’ guarantee, with strict conditions.
Profile and sources →Left out
Inspection franchises (Pillar To Post, HomeTeam, WIN), staging and listing photography companies are not profiled yet. Cinch, Old Republic Home Protection and other warranty sellers are left out: we found no figures we could cite (Old Republic’s 10-K lists home warranty only as a coverage type). We do not publish plan prices, which vary by state and plan, or review-site star ratings. We did not check individual inspectors’ state licenses. Complaint counts are quoted only where a regulator published them.
Comparisons
- Frontdoor (American Home Shield) vs First American Home Warranty: the two public home warranty businesses.
- Frontdoor (American Home Shield) vs Choice Home Warranty: the public market leader vs a private seller with a state enforcement record.
- ASHI (American Society of Home Inspectors) vs InterNACHI (International Association of Certified Home Inspectors): the two big inspector associations.
Questions
Which home warranty company is largest?
By its own 10-K, Frontdoor (American Home Shield and other brands), with about 2.1 million active warranties and $2,093M of revenue in 2025.
Is a home warranty worth it?
We do not judge that. First American’s filing shows claims were 41.4% of its premiums in 2025. Value for you depends on the contract’s exclusions and caps.
What is the difference between a home warranty and a repair plan?
A home warranty covers systems and appliances inside the home. A repair plan such as HomeServe’s covers specific lines, like the water or sewer line on your property.
ASHI or InterNACHI?
Both publish standards of practice. ASHI’s top credential requires at least 250 fee-paid inspections; InterNACHI offers a buy-back guarantee. Either way, check the inspector’s state license.
Does this site earn money from warranty sales?
No one pays for placement or ranking on this site, and this section has no affiliate links.
Last verified 2026-10-20. Figures were re-read from the linked sources that day.
View changelog
- Section published: hub, three sub-hubs, six profiles and three comparisons, from filings, state attorney general records and organization pages read this day.
Sources
- American Society of Home Inspectors, About ASHI · accessed 2026-10-20
- American Society of Home Inspectors, Levels of Membership · accessed 2026-10-20
- Arizona Attorney General, $11.8 million settlement with Choice Home Warranty (Feb 10, 2026) · accessed 2026-10-20
- State of Arizona v. CHW Group, Inc., Consent Judgment (Maricopa County Superior Court, Jan 2026) · accessed 2026-10-20
- New Jersey Attorney General, CHW settlement (Jun 15, 2015) · accessed 2026-10-20
- Choice Home Warranty, home page · accessed 2026-10-20
- First American Financial Form 10-K for 2025 · accessed 2026-10-20
- Frontdoor, Inc. Form 10-K for 2025 · accessed 2026-10-20
- HomeServe, Company Facts · accessed 2026-10-20
- Brookfield Infrastructure Partners L.P. Form 20-F for 2025 · accessed 2026-10-20
- InterNACHI, About InterNACHI · accessed 2026-10-20
- InterNACHI, Buy-Back Guarantee · accessed 2026-10-20
- InterNACHI, Home Inspection Standards of Practice · accessed 2026-10-20
- InterNACHI, home page · accessed 2026-10-20