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Choice Home Warranty Review: Plans, Pricing, Coverage, and More

Patrick Sather

In a Nutshell

Since 2008, Choice Home Warranty has provided 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 when they apply online or over the phone.

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 California or Washington

Choice Home Warranty Choice Home Warranty Visit Site

Choice Home Warranty Plans

With Choice Home 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: best for small appliances and systems coverage
  • Total Plan: best for full-home coverage
Covered Items
Basic Plan
Total Plan

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
Choice Home Warranty homepage screenshot showing breakdown of services

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 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

Choice Home Warranty Plan Pricing

Choice’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 charges a service fee of between $75 and $85, depending on your service agreement. 

Expense Type
Cost

Basic Plan

Typically $46.67/month or $560/year

Total Plan

Typically $55/month or $660/year

Service Fee

$75–$85 

How to File a Claim with Choice Home Warranty

To submit a claim, you can call Choice’s customer service hotline or submit your request online. Choice provides 24/7 claim support online and via phone. Once you submit a claim, Choice 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 will provide you a cash offer equivalent to the replacement cost. 

Choice 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

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 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 made false promises to customers. 

What’s Unique About Choice Home Warranty?

With Choice, 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. 

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 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 features blog posts and FAQs that answer many questions about its services and general home warranty topics. 

What about the Choice Home Warranty app?

Currently, Choice does not have a mobile app.

How to Get Started with Choice Home Warranty

Although Choice 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 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 cancelation fee to cover administrative costs. If you cancel your plan after the 30-day introductory period, you can still receive a prorated refund.

How Choice Home Warranty Compares to Other Home Warranty Services

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 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 is the right option for you. However, if you prefer to save money on service visits, Liberty Home Guard may be the better choice. 

Cinch vs. Global Home Protection

Upon comparing the cost of their premiums, Global Home Protection is more affordable than Choice. If you want to save money on premiums and fees, Global may be the better option. However, Choice 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. 

Cinch vs. AFC Home

When compared to AFC Home, Choice’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 is the better option, as its $75-$85 service fee is more affordable than AFC Home’s $75-$125 fee. 

Choice Home Warranty Choice Home Warranty Visit Site

The 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.

Frequently Asked Questions
How good is Choice Home Warranty overall?
-
+
Choice 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 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 will fully refund your premium. However, it does charge a $50 cancelation fee. If you cancel your contract after 30 days, Choice will prorate your premium and refund the difference.
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 customer reviews

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Top Reviews

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7 months ago

I just joined it two months ago I have an appointment set up for Monday for my air condition and they call me right back in one day so it's very good

7 months ago

price has stayed the same over the last several years that I have had them and they give you an extra 3 months free. I saved an extra $200.00 this year as I bought a 3-year warranty at a senior discount.

7 months ago

It made me feel reassured that my home was protected. They have friendly customer reps that are always available to help.

8 months ago

Because firstly, customer service was great. Agent and technician answered all my question thoroughly and guided me through the setup process, and what all to do and how to access everything afterwords. Simple fast setup. Up and running in no time. So far so good, seems like a great reputable company with a history of happy clients.

8 months ago

Response rate is very impressive. Also give the best services to offer in the industry

8 months ago

The cost is really something I could afford and the ease of mind that if somthing goes bad they will fix it

8 months ago

Is the hope of having rest of mind that your home is save from any damage cause thereafter

9 months ago

The purchasing process was very simple and my salesperson was very knowledgable about all off the options available to me. The claims process is very easy and I have always had a service appointment within 24 hrs of submitting the claim.

9 months ago

Because they're a good company & always come through whatever you need. I just like it

9 months ago

Easy to get ahold of, comes in a timely manner to fix things, not too expensive when coming out.

9 months ago

Covers home services very well, with a good value, are there to assist you with home repairs.

a year ago

None they have been with me for over 5 years and have paid off on several items and I still have 4 years to go

a year ago

I work 7pm to 7am and my central air unit stopped working in August. It was extremely hot when i called them and they said they would be out that day to fix it. I told them i would be sleeping and they said that was fine. When i woke up for work my central air was working. I called and they came the same day and didn't even bother me while i was sleeping. I was very impressed with their service.

1 years ago

Their website is easy to for scheduling service and they have always followed up quickly. Services have been completed in a timely fashion.

1 years ago

I totally like Choice Home Warranty. The Service Rep did a great job fixing my furnace, he found the problem right away and fixed so my Air conditioner unit could work

1 years ago

Choice home warranty gives me good coverage for the next bill and like like how they text me my next payment

1 years ago

Hopefully, I don't need to contact them. If I do need to, they give me peace of mind I and my family will be taken care of.

1 years ago

Very low deductible and is very cost effective. Excellent customer service. It saves me on costly repairs

2 years ago

They are affordable and easy to make appointments as needed. Good company to deal with. They cover my GE fridge.

2 years ago

They have paid out on two of my units and their prices are the lowest I have found. Very happy with them

75 reviews