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Choice Home Warranty Review (2023)

Plans, Pricing, Coverage, and More
By Patrick SatherPatrick Sather -
Last updated: Jan 08, 2023
31,268 reviews
by
logo-CHOICE HOME WARRANTY
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Average annual premium
$476–$660
Contractors
15,000 in-network
Service call fee
$75–$85

Our Verdict

Is Choice Home Warranty Worth It?

Since 2008, Choice Home Warranty has been providing affordable home warranty services to homeowners nationwide. You can choose between two affordable plans that cover most of your home's appliances and systems, though it’s worth noting that coverage is capped at $3,000 per item. Choice Home Warranty provides 24/7 claims support via phone and online. In addition, new customers receive a free month of coverage.

With Choice Home Warranty, you receive a free month of coverage when you purchase either its Basic or Total Plan. If you call to request a quote, you may also qualify for an additional 15% off your annual premium.

Average annual premium
$476–$660
Contractors
15,000 in-network
Service call fee
$75–$85

Choice Home Warranty Pros & Cons

PROS

Low premiums
First month free
24/7 online and phone claims support

CONS

Coverage limit of $250–$3,000 per item
Not available in Washington

Top Choice Home Warranty Reviews

ah
anna hall
12 hours ago
Great service
Qualified efficient staff who really care
Mary Lee
14 hours ago
I had the manager take my warranty…
I had the manager take my warranty purchase. He was very pleasant and told me how I can save money by going with the 3 year contract.
DR
Dan and carolyn Rice
15 hours ago
I am glad I talked to Elliot
I am glad I talked to Elliot. I purchased the Total pkg. I have great piece if mind that I don't have to worry about service issues. Thank you Choice Home Warranty.
See all Choice Home Warranty reviews

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732-907-4849
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Choice Home Warranty Choice Home Warranty Visit Site

Overview

Choice Home Warranty at a Glance

Choice Home Warranty Plans

With Choice Warranty, you can select between two plans that cover most of your home’s major appliances and systems. Its Basic Plan provides coverage for your small appliances, electric system, water system, and heating system. 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 system, starting at $55 per month.


Basic Plan
Total Plan

Best for small appliances and systems coverage
Best for full-home coverage
Plan covers:
  • Built-in microwave
  • Dishwasher
  • Oven
  • Cooktop
  • Range
  • Ductwork
  • Ceiling and exhaust fans
  • Heating system
  • Electric system
  • Plumbing system
  • Water heater (gas or electric)
  • Garage door opener
  • Built-in microwave
  • Refrigerator
  • Dishwasher
  • Oven
  • Cooktop
  • Range
  • Washer
  • Dryer
  • Ductwork
  • Ceiling and exhaust fans
  • Air conditioner
  • Heating system
  • Electric system
  • Plumbing system
  • Water heater (gas or electric)
  • Garage door opener

Optional Add-Ons

If you want to customize your plan, you can buy additional coverage for the following appliances and systems:

  • Additional garage opener: $40/year
  • Additional heater system: $120/year
  • Additional water heater: $60/year
  • Additional A/C unit: $120/year
  • Pool: $180/year
  • Limited roof leak: $70/year
  • Central vacuum: $40/year
  • Spa: $180/year
  • Septic pump: $65/year
  • Septic system: $120/year
  • Standalone freezer: $40/year
  • Sump pump: $40/year
  • Well pump: $100/year

Plan Exclusions

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 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:

  • Garage door opener: door or door track assemblies
  • A/C, heating, and ductwork: well pump, outside piping, refrigerant line sets, fuel storage tanks, chimneys, insulation, collapsed ductwork, and damper motors
  • Water heater: holding or storage tanks, vents and flues, and energy management systems
  • Electrical system: security systems, telephone wiring, faceplates, and circuit overload
  • Plumbing system: outside stoppages, broken lines, bathtubs, sinks, showers, toilet lids and seats, jets, caulking or grouting, septic tanks, and water filtration systems

Features

How Choice Home Warranty Works

How to Get Started with Choice Home Warranty

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.

How to File a Claim with Choice Home Warranty

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. 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:

  • Well pumps: $500
  • Limited roof leak: $500
  • Septic tank pumping: $250
  • Septic system: $500

Help and Support

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 home warranty topics. 

Choice Home Warranty Pricing

How Much Does Choice Home Warranty Cost?

Choice Home Warranty’s plan pricing is in line with industry standards. If you call over the phone, you may qualify for an additional 15% discount. With this discount, its plans range from $39.66–$46.67 per month or $476–$560 per year. Its Basic Plan generally costs $46.67 per month or $560 per year. Meanwhile, the Total Plan typically costs $55 per month or $660 per year. 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 

Choice Home Warranty Alternatives

How Choice Home Warranty Compares to Other Home Warranties

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. 

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 Choice Home Warranty Visit Site

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. 

Bottom Line

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 for an affordable price. New customers qualify for a month of free coverage, and you can submit a claim 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 Questions
How good is Choice Home Warranty overall?
-
+
Choice Home Warranty offers competitive pricing for full-service home warranty coverage. Its premiums and service fee cost the same or less than the industry standard. In addition, it has a large network of contractors and offers 24/7 support online and via phone. However, its coverage limits are lower than some of its competitors.
Does Choice Home Warranty cover pre-existing conditions?
-
+
No, Choice does not cover pre-existing conditions.
When does Choice coverage begin?
-
+
Your coverage begins 30 days after you apply and pay all contract fees. If you submit proof of uninterrupted coverage from another carrier, you may be eligible to receive coverage before your start date.
How much does Choice Home Warranty cost?
-
+
A home warranty from Choice Home Warranty costs between $476–$660, excluding service fees.
Is there a cancellation fee for Choice Home Warranty?
-
+
If you cancel your contract within 30 days of signing, Choice Home Warranty will fully refund your premium. However, it does charge a $50 cancellation fee. If you cancel your contract after 30 days, Choice Home Warranty will prorate your premium and refund the difference.
Is Choice Home Warranty Legit?
-
+
Choice Home Warranty started providing warranty services in 2008. Since then, it’s covered more than 1,000,000 homes nationwide and fulfilled over 4,000,000 service requests. Choice Home Warranty was awarded a ‘B' grade from the Better Business Bureau. It’s worth noting, however, that over the past three years, it has received more than 7,605 complaints. In addition, there’s a pending lawsuit in Arizona that alleges Choice Home Warranty made false promises to customers.
Patrick 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, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.

Choice Home Warranty reviews

Great • Reviews 31,268
on
Excellent
61%
Great
12%
Average
6%
Poor
4%
Bad
18%
ah
anna hall
12 hours ago
Great service
Qualified efficient staff who really care
Mary Lee
14 hours ago
I had the manager take my warranty…
I had the manager take my warranty purchase. He was very pleasant and told me how I can save money by going with the 3 year contract.
DR
Dan and carolyn Rice
15 hours ago
I am glad I talked to Elliot
I am glad I talked to Elliot. I purchased the Total pkg. I have great piece if mind that I don't have to worry about service issues. Thank you Choice Home Warranty.
GL
Gary Levin
16 hours ago
Operator was knowledgeable
Operator was knowledgeable. He offered me best best deal and prices he was allowed to.
Choice Home Warranty