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With Choice Warranty, you can select between two plans covering most of your home’s major systems and appliances. Its Basic Plan covers your small appliances, electric, water, and heating systems. The cost of the Basic Plan starts at $46.66 per month. If you’re looking for additional protection, Choice also offers a Total Plan, which offers extra cover for your refrigerator, washer, dryer, and air conditioning systems, starting at $55 per month.
| Basic Plan | Total Plan | |
|---|---|---|
| Best for small appliances and systems coverage | Best for full-home coverage | |
| Covered items: |
If you want to customize your plan, you can buy additional coverage for the following appliances and systems:
Choice Home Warranty only covers damages that occur due to everyday wear and tear. All components must be located inside your home, with the exception of pools and spas, septic tanks, air conditioners, and sump pumps. Additionally, if your home service area is more than 5,000 square feet, you may have to pay extra fees. Choice Home Warranty doesn’t cover commercial properties or pre-existing conditions.
Parts and features excluded from coverage include:
Although Choice Home Warranty provides services nationwide, coverage is not available in California or Washington. To get started, you can call its customer service center during normal business hours and qualify for coverage over the phone. Choice Home Warranty also allows you to request a free quote on its website. If you already know what type of coverage you want, you can submit an application online.
Your coverage begins 30 days after you apply and pay all applicable fees. You can cancel your plan within 30 days, and Choice will fully refund your purchase. However, the company does charge a $50 cancellation fee to cover administrative costs. If you cancel your plan after the 30-day introductory period, you can still receive a prorated refund. That being said, Choice offers a sample contract on their site so you can get a feel for its set-up before you even sign up.
To submit a claim, you can call Choice Home Warranty's customer service hotline or submit your request online. Choice Home Warranty provides 24/7 claim support online and via phone, and response time is fast. Once you submit a claim, Choice Home Warranty will contact an authorized Service Provider to schedule your repair within 48 hours. Service fees are waived for 90 days for parts and 30 days for labor if you require a follow-up appointment for additional repairs. Choice Home Warranty will replace all items that can’t be repaired with an item of similar value. If an item can’t be replaced, Choice Home Warranty will provide you a cash offer equivalent to the replacement cost.
Choice Home Warranty limits the coverage you can receive for any one item to $3,000 per contract term. It also limits coverage for specific features, including:
If you need help accessing your account, reviewing your coverage, or getting a quote, support is available over the phone from 6:30 am–7:30 pm, Monday–Sunday. Choice Home Warranty also provides 24/7 claims support online and via its automated telephone service. If you request a quote online during business hours, you can expect a call from a representative within minutes. On its website, Choice Home Warranty features blog posts and FAQs that answer many questions about its services and general real estate warranty topics.
Choice Home Warranty’s plans range from $46.67 to $55.00 per month or $560 to $660 per year. Their pricing structure is in line with industry standards and If you call over the phone, you may qualify for an additional 15% discount. In addition, Choice Home Warranty charges a service fee of between $75 and $85, depending on your service agreement.
Overall, the Choice Home Warranty monthly cost is very affordable.
| Expense Type | Cost |
| Basic Plan | Typically $46.67/month or $560/year |
| Total Plan | Typically $55/month or $660/year |
| Service Fee | $75–$85 |
Here’s a quick comparison chart that sets Choice Home Warranty’s services against other home warranty providers.
| Details | Liberty Home Guard | Global Home Protection | AFC Home |
|---|---|---|---|
| Average annual premium | $479-839 | $330-$600 | $350-$600 |
| Contractors | 10,000 in-network | In-network only (number unspecified) | Both out and in-network |
| Service call fee | $60-$75 | $45-$100 | $75-$125 |
| Service requests | 24/7 online and phone | 24/7 online and phone | 24/7 online and phone |
Choice Home Warranty vs. Liberty Home Guard
Compared to Liberty Home Guard, Choice Home Warranty’s premiums are affordably priced. In addition, it features a larger network of contractors. If you want access to a larger network and cheaper full-home coverage, Choice Home Warranty is the right option for you. However, if you prefer to save money on service visits, Liberty Home Guard may be the better choice, making both contenders among the best home warranty companies.
Choice Home Warranty vs. Global Home Protection
Upon comparing the cost of their premiums, Global Home Protection is more affordable than Choice Home Warranty. If you want to save money on premiums and fees, Global may be the better option. However, Choice Home Warranty features a larger confirmed number of contractors. If you value knowing the level of coverage and support that you can expect to receive when components break, Choice could be the right company for you.
Choice Home Warranty vs. AFC Home
When compared to AFC Home, Choice Home Warranty’s premiums are a tad more expensive. In addition, AFC allows you to use contractors both in and out of its network. If you value saving money on your premium and the flexibility of choosing your own contractor, AFC Home is the company for you. However, if you want to save money on service visits, Choice Home Warranty is the better option, as its $75-$85 service fee is more affordable than AFC Home’s $75-$125 fee.
Choice Home Warranty offers home warranty coverage in 48 states, excluding California and Washington. While it only has two plans, it provides full home coverage and covers appliances for an affordable price. New customers qualify for a month of free coverage, and claim processes are made 24/7, online or over the phone. However, it caps payouts at $3,000 per item per contract term.
Disclaimer: In California, CHW branded service contracts are issued and offered by Home Service Club of California, Inc. (“HSCCA”) and sold exclusively by Home Service Club of California Insurance Services, Inc. Choice Home Warranties are not available in California.
Frequently Asked QuestionsPatrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, Sather writes for Top10.com sharing his insights on life's most common financial decisions.