Updated Nov 21, 2022
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Choice Home Warranty (CHW) provides comprehensive home protection plans that guard against the high cost of repairing or replacing major home systems and appliances. Choice Home Warranty is one of the best home warranty companies in the industry; it has been in operation since 2008 and offers 24/7 customer support to its policyholders. CHW is available in every state except for Washington, serving over 1 million households across the U.S.
Read on to learn about Choice Home Warranty’s pricing, coverage, and customer reviews.
We rated Choice Home Warranty (CHW) with a 9.7 out of 10 — the highest score earned thus far across the 65+ home warranty providers we’ve reviewed. Choice stands out as the overall best home warranty option on the market, offering roomy annual coverage caps, reasonable plan pricing, and a reliable nationwide network of over 25,000 pre-screened contractors.
Our review of Choice Home Warranty assesses how effectively its policies align with the needs of real home warranty customers. We surveyed 800+ homeowners across the country, asking them to share what they consider most important when choosing a home warranty. Here’s how CHW’s coverage compared to their responses:
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty splits its coverage between two policy options: the Basic Plan and the Total Plan. Both of these plans offer comprehensive coverage for a mix of home systems and appliances at different levels.
The Basic Plan covers 14 appliances and systems, including heating, electrical, plumbing, ductwork, dishwashers, garbage disposals, jetted bathtubs, and more. This plan level may be ideal for newer homeowners who want to get a feel for their coverage needs before investing in a higher-level plan. Still, keep in mind that the Basic Plan doesn’t include air conditioning systems, which can cost up to $600+ to repair out of pocket, depending on the issue. If you have an older A/C unit, it may be worth the few dollars more per month for the Total Plan.
The Total Plan includes 18 appliances and systems, featuring everything listed in the Basic Plan plus coverage for air conditioning systems, refrigerators, washing machines, and clothes dryers. For roughly $8 more per month, the Total Plan could save you thousands on emergency maintenance for big-ticket appliances and systems throughout your home.
Here’s how inclusions differ between Choice Home Warranty’s two base plans:
|Covered Appliance or System||The Basic Plan||The Total Plan|
|Hot Water Heaters||✓||✓|
|Ceiling and Exhaust Fans||✓||✓|
|Garage Door Openers||✓||✓|
|Air Conditioning Systems||✓|
The systems coverage across both of Choice Home Warranty’s base plans span integral home functions, such as:
Choice’s Basic Plan covers a total of 14 home appliances whereas the Total Plan covers 18. Here are a few of the items you’ll be covered for with appliance insurance by Choice Home Warranty:
Coverage add-ons are optional policy extras that you can purchase to cover other features of your home that aren’t typically included in standard home warranty plans. Choice Home Warranty has nine elective add-ons for its policyholders to choose from. These include:
Like any other home warranty company, Choice Home Warranty only covers damage due to normal wear and tear over time. All systems and appliances covered by Choice must be in proper working condition at the time of sign-up, as issues caused by known pre-existing conditions aren’t eligible for coverage.
Other causes of appliance or system failures that Choice Home Warranty won’t cover include:
Choice Home Warranty’s cancellation policy is lenient. Customers can cancel plans at any time. An administration fee of $50 will be withheld, but you will receive a full refund for the months of coverage you’ve pre-paid for. If you decide to pay monthly, you can still cancel at any time, but you’ll have to mail a cancellation notification with your $50 cancellation fee and payment for the last month.
Choice Home Warranty costs around $45-$53 per month, or $540-$636 per year. Its monthly premiums fall in line with the industry average of $51.61 according to the 63 home warranty providers we reviewed.
We secret shopped for a home warranty policy for a single-family home located in Raleigh, North Carolina, and here’s what Choice Home Warranty offered:
This quote includes a total of 13 months (1 month free) and a $50 discount.
The typical service fee for home warranties usually falls between $75-$125, and Choice Home Warranty’s service trade call fee of $85 falls in line with the industry standard. The service fee is required for all repair calls, regardless of work done or cost of the maintenance.
Choice Home Warranty will cover up to $3,000 per year to access, diagnose, repair, or replace an issue affecting each appliance and system included in either of its base plans. Most of CHW’s optional coverage add-ons have per-item coverage limits of $500, except for septic tanking pumping, which is capped at $250 per year.
For issues like pipe leaks or interior electrical repairs that often occur behind walls, ceilings, floors, etc., Choice will payout no more than $500 per year for costs related to access and restoration. As defined in its sample contract, restoration is limited to returning the access point to a rough finish.
Choice Home Warranty is available in 49 states and D.C., excluding Washington. If you want to see the best coverage options for where you live, click on your state below:
As a consumer, you probably don’t have the time to sit around and sift through the hundreds of Choice Home Warranty customer reviews and feedback left by customers. At House Method, we’ve gone through user complaints, reviews, and ratings of each home warranty company and compiled that information. According to Trustpilot, Choice Home Warranty averages a 3.8/5 star rating based on 29,372 reviews.
Here are a few ratings we’ve pulled from Trustpilot:
“We have been using Choice Home Warranty for nearly a year and their customer service is highly satisfactory. The fast response time is helpful, especially when you are dealing with plumbing issues. We have had three claims filed so far, and the quality of service they have provided was phenomenal. We feel a great sense of security and peace of mind knowing that CHW is there to respond when one of our appliances becomes inoperable. Thank you, CHW!” – Maria C., 08/10/2022
“I was away from home. My wife called me to say the HVAC unit had quit working and it was 103 degrees outside and getting hot inside. I did not have a computer and I was able to get the issue reported by phone. This was around 8:00 PM. CHW responded quickly and was trying to locate me an AC tech within an hour. Then CHW allowed me the opportunity to pick my AC tech. Problem was resolved by 10:00 PM on the same day. My wife is cool and happy now. Thanks CHW! CHW has made a believer out of me!” – Bobby K., 08/05/2022
Here is some feedback from a customer who was not satisfied with their service claim:
“I filed a claim on Monday and it was Friday before anyone came out. He found the problem and the parts will have to be ordered. Probably take a week or longer for them to come and then I don’t know how long it will take for them to get back out here. Can you not find someone that stocks these parts. The tech that came out was very nice and friendly.” – Carolyn H., 10/15/2022
In October 2019, the Arizona attorney general filed a complaint against Choice Home Warranty alleging consumer fraud and intention to deceive customers through baseless claim denials. Since the onset of the lawsuit, Choice Home Warranty has, however, made a concerted effort to rectify its reputation by approving nearly 90% of the 1.1 million claims filed in 2021.
As one of the leading home warranty companies in the industry, Choice Home Warranty provides excellent customer service and decent coverage at an affordable cost — factors we think are necessary to have a positive home warranty experience. With two plans under $55 per month, low-end service fees, and annual limits upwards of $3,000, CHW is great for those on a budget. Whether located on the west coast in California or Arizona or out on the east coast in New York or Florida, we believe that CHW is an excellent choice for any homeowner.
Although the costs listed above are accurate prices for Choice Home Warranty plans, other factors — like location, size, and type of home — can influence the cost of your policy. We recommend getting a quote from Choice with your zip code to get an accurate estimate.
Once coverage begins, customers can file as many claims as they’d like. They should file a warranty claim when they discover a problem with their covered system or appliance.
After approving your claim (done typically within two to four days), CHW will schedule an appointment with one of its pre-approved service technicians. Customers will pay an $85 service fee to the service technician upon arrival at their home.
If the item cannot be repaired, Choice may agree to replace the system or appliance if the item cannot be repaired. If parts must be ordered, customers will not have to pay a second service call fee upon the technician’s second appointment. Repairs are guaranteed for 90 days, preventing customers from paying a second service call fee should the covered item break again.
Be sure to thoroughly check your service user agreement to know monthly costs/deductibles, service fees, and what your policy covers.
Victor Hakim founded Choice Home Warranty in 2008, though James Mostofi was appointed CEO in June 2021.
Choice Home Warranty does not cover Freon or other types of A/C refrigerants.
Yes. Choice Home Warranty is transferable between home sellers and buyers. Many home sellers will purchase a coverage plan to cover repairs while the house is listed and under contract. They can transfer the coverage to the home buyers. This gives anxious home buyers peace of mind that major household components are protected.
No. Choice Home Warranty does not require an initial home inspection to determine your sign-up eligibility. Still, choice reserves the right to request maintenance records for your covered appliances and systems to ensure damages are never due to poor routine maintenance.
At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.
We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.
That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.
To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:
We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.
With that in mind, we have dedicated staff members who regularly update our database of home warranty research.
For those that want to come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.
If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for discounts and then give yourself the peace of mind that you deserve.
For more details, check out our affiliate disclosure and rating methodology.
Additional Home Warranty Resources