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Choice Home Warranty Review (2024)

Plans, Pricing, Coverage, and More
By Patrick SatherBy Patrick Sather -
Last Updated: Jan 03, 2024
39,153 reviews
by
logo-CHOICE HOME WARRANTY
Visit Site
Average annual premium
$476–$660
Contractors
15,000 in-network
Service call fee
$75-$125

Our Verdict

Is Choice Home Warranty Worth It?

Choice Home Warranty, a provider of home warranty services since 2008, offers two affordable plans covering a majority of home appliances and systems. It's important to note that coverage is capped at $3,000 per item, which might be sufficient for basic repairs but could fall short for costly replacements. They provide round-the-clock claims support via phone and online, enhancing their customer service experience. Special offers for new customers, like a free month of coverage and a potential 15% discount on the annual premium, add to the value.


Is Choice Home Warranty worth it? Given their affordable plans and customer support, they can be a good fit for homeowners seeking peace of mind for home repairs. However, the $3,000 coverage cap per item should be considered, especially for homeowners with high-end appliances or systems that could exceed this limit. Thus, the worth of Choice Home Warranty largely depends on the potential repair or replacement costs you might face, and how they align with the coverage cap and plan costs.

Average annual premium
$476–$660
Contractors
15,000 in-network
Service call fee
$75-$125

Choice Home Warranty at a Glance

9.6
Editorial Score

Contractor Network

You're assigned a technician from 15,000+ pre-screened techs who've handled over 6,000,000 requests in 1.9 million+ homes in the U.S.
9.0

Plans

Basic at $46.67p/m covers household essentials. Total at $55p/m adds key cover that Basic Plan lacks. Individual add-ons possible
10.0

Response Time

Up to 48 hours
9.0

Customer Service

File claims 24 hours a day, 365 days a year by signing into your account or calling (888) 373-7924 or access helpful FAQs anytime
10.0

Offers

Frequent sales available + 1 month free if you pay upfront
10.0

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

NK
Nikitas Kalantjakos
Getting Started is Easy.
Learning about coverage, getting a quote, and buying a policy is easy and fast! I'm sure that service calls will flow just as well.
Da
David
Completed the job fast
Completed the job fast
JH
Jayne Howard
Friendly
Friendly, professional, easy to understand terms and cost of plans
See all Choice Home Warranty reviews

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Choice Home Warranty Choice Home Warranty Visit Site

Overview |  Features | Help and Support | Pricing | Alternatives | FAQs

Overview

Choice Home Warranty Plans

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:
  • 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 leaks: $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 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:

  • 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

How Choice Home Warranty Works

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. 

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, 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:

  • 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 real estate warranty topics. 

Choice Home Warranty Pricing

How Much Does Choice Home Warranty Cost?

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 

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 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 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, Sather writes for Top10.com sharing his insights on life's most common financial decisions.

Choice Home Warranty reviews

Average • Reviews 39,153
on
Excellent
60%
Great
11%
Average
5%
Poor
4%
Bad
20%
Sort by
NK
Nikitas Kalantjakos
6 hours ago
Getting Started is Easy.
Learning about coverage, getting a quote, and buying a policy is easy and fast! I'm sure that service calls will flow just as well.
Da
David
7 hours ago
Completed the job fast
Completed the job fast
JH
Jayne Howard
8 hours ago
Friendly
Friendly, professional, easy to understand terms and cost of plans
DA
DANIEL
18 hours ago
Polite
Polite, Item ended up working, Thank you

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