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Choice Home Warranty Review

By: House Method | Affiliate Disclosure

Best home warranty overall

Choice Home Warranty offers the best home warranty coverage (even with its most basic plan) at competitive pricing.

Add-ons available
After hours service
90-day repair guarantee

Why it’s the best

Choice Home Warranty offers comprehensive home protection plans that guard against the high cost of repair or replacement on properly maintained major systems and appliances. It offers two plans—a Basic Plan and a Total Plan—with the option to customize add-ons, like coverage for your well pump or a second refrigerator.

Choice Home Warranty covers systems and appliances that break from general use and normal wear and tear. Because the company Choice Home Warranty does not deny coverage based on the age of your home or its systems and appliances—as long as you’ve taken good care of them—and it does not require you to get a home inspection before getting home warranty coverage, this provider gets our vote for best home warranty for older homes.

To better understand the benefits and the pricing of a home warranty plan, House Method created this Choice Home Warranty review guide. It includes an overview of the company, a comparison of other best home warranty companies, and why we recommend Choice Home Warranty along with real customer reviews.

Choice Home Warranty cost

Choice Home Warranty homeowners typically pay between $29 and $42 per month, according to its website, which means that its prices are on par—$29 per month is well below the industry average annual cost. Your total price depends on the level of coverage you choose as well as any à la carte coverage you add on.

Service fee

With Choice Home Warranty, you’re required to pay a trade service call fee up to $75 per claim. This payment goes directly to the technician who completes your repair or replacement. Choice Home Warranty encourages you to call its service center to learn more about the trade service fee and see whether you qualify for a discount.

Choice Home Warranty coverage

Basic Plan Total Plan Optional Add-Ons
Heating system Heating system Central vacuum
Ductwork Ductwork Limited roof leak
Water heater Water heater Septic system
Plumbing system Plumbing system Septic tank pumping
Plumbing stoppage Plumbing stoppage Sump pump
Whirlpool bathtub Whirlpool bathtub Well pump
Electrical system Electrical system Pool/spa
Exhaust/ceiling fans Exhaust/ceiling fans Second refrigerator
Garage door opener Garage door opener Stand-alone freezer
Garbage disposal Garbage disposal
Oven/range/stove Oven/range/stove
Cooktop Cooktop
Built-in microwave Built-in microwave
Dishwasher Dishwasher
Refrigerator
Clothes washer/dryer
Air conditioner

Coverage length

Choice Home Warranty coverage begins exactly 30 days after your enrollment and ends 365 days after the start date. If you’re covered by another home warranty provider and are able to prove that there have been no lapses in coverage, Choice Home Warranty will start your new coverage immediately after your old coverage expires. You can also renew your Choice Home Warranty plan year after year if you decide.

Coverage exclusions

As long as your appliances and systems are in good working order and properly maintained, Choice Home Warranty does not deny coverage based on the age of your home. The warranty plan is intended for home repairs or replacements that occur from everyday wear and tear. If you move into an older home—10 years and up—and you aren’t sure how long your working appliances or systems will last, a Choice Home Warranty plan is a viable option.

You don’t want to get stuck paying out-of-pocket for something you’ve just acquired. You also don’t want to get stuck paying for a repair or replacement that wasn’t covered under your home warranty plan. With Choice Home Warranty, you can customize plans to best fit your needs. If you buy a home with a pool, for instance, you might want to consider adding that coverage to your Basic Plan or Total Plan.

Choice Home Warranty doesn’t cover any failure or malfunction that’s caused by insufficient maintenace—including rust or corrosion—collapsed ductwork, or known and unknown pre-existing conditions.

Familiarize yourself with the Choice Home Warranty terms of service—there could be exclusions to certain systems and appliances listed in your coverage plan. A sample contract is available online so you understand what is and isn’t covered. For instance, carbon monoxide alarms and smoke detectors are not included in the electrical system coverage. However, all components and parts, including built-in bathroom exhaust fans are covered by Choice Home Warranty.

Choice Home Warranty claims

You’re responsible for filing a claim as soon as you discover an issue with your appliance or system. The good thing is that Choice Home Warranty has a customer service line available 24 hours a day, 7 days a week, 365 days a year—a rare benefit among home warranty companies. You may also submit a claim online through the Choice Home Warranty claims portal.

Once you submit a claim, the company will contact an authorized service professional within 48 hours—or four days if you call on a weekend or holiday—to address the issue. The service professional will then call you during business hours to schedule an appointment. Choice Home Warranty maintains the right to determine whether or not your call constitutes an emergency. If it does, the company will do its best to expedite the process.

Summary of benefits

Starting cost per month $29
Availability 48 US states—coverage not available in CA or WA
Service fees $75
Contract length 1 year
Time in business 10 years
BBB rating B-
Review last updated: March 6, 2019

More about Choice Home Warranty

Years in business

Choice Home Warranty is 10 years old. It has been in business since 2008. It has just enough history in the 47-year-old home warranty industry to master the balance between personable customer service with customizable coverage and modern conveniences, like accessing sample contracts and submitting claims online.

Choice Home Warranty ratings

The Better Business Bureau (BBB) has given Choice Home Warranty a B- rating based on 1,422 Choice Home Warranty reviews. However, the business is not BBB Accredited.

Consumers Advocate awarded Choice Home Warranty a score of 9 out of 10 based on 1,768 consumer comments and reviews. This nearly perfect rating is attributed to Choice Home Warranty’s comprehensive coverage, comparably low annual prices, flat fees, and easy claims process. Consumers Advocate also emphasizes that Choice Home Warranty, unlike many of its competitors, doesn’t impose an annual cap on payouts.

House Method gives Choice Home Warranty 5 out of 5 stars. We believe it’s the best home warranty company overall. Pricing is competitive, its service fees are normal, and the lack of coverage caps makes a huge difference in cost—or savings rather. An important criterion to our review team is that the age of home systems and appliances doesn’t affect coverage. It also has above-average reviews across multiple platforms.

Choice Home Warranty reviews

Punctuality and an easy claims process are often highlighted in Choice Home Warranty reviews.

Mohammed K. A. on February 27, 2019

I found the response from CHW to be quick. I hold two contracts with them, and I recommend them as a reliable company.

Xiaofang J. on January 27, 2019

I have filed several claims with CHW in the past. This time the technician, Wizard Appliance Service, [was] the best. The technician arrived on time and diagnosed the problem fast—very professional.

Judy L. on December 13, 2018

I have been a Choice customer for several years now, and their customer service and their response to my claims has never been short of excellent. My furnace went out on Saturday afternoon, and by Sunday morning, a technician was already diagnosing the problem. After ordering the faulty part, within a few days the furnace was fixed. Thank you, Choice, for your excellent dispatch process.

Dee on November 26, 2018

On November 16, my carbon monoxide detectors activated. The fire department confirmed the presence of CO and shut off the furnace. Choice was contacted and dispatched Allen HVAC Services on the same day. Thanks Choice and Allen for the professional response to our emergency.

Compare home warranties

Choice Home Warranty is a good choice for you if …

  • you have an older home
  • your refrigerator is on the fritz (freon is fully covered whereas most companies charge $10 per pound)
  • you want a basic plan that includes both appliances and systems

Compare Choice Home Warranty to the competition.

Company Best for Score Plan options Price Contract length Promotions
Choice Home Warranty Overall best home warranty 10/10 2 + add-ons $29-$42 per month 13 months, first month free First month free

Referral reward

90-day repair guarantee

American Home Shield Appliance coverage 9.5/10 4 + add-ons $20–$65 per month 12 months Discounts on appliances and plans for multiple properties

Referral reward

The Home Service Club Fast coverage 8.5/10 2 + add-ons $33+ per month 12 months 1-5 months free with 1- to 5-year plans

Ready to sign up?

Frequently asked questions

Does Choice Home Warranty cover garage doors?

No, home warranties do not cover garage doors—only systems and appliances. However, Choice Home Warranty does cover your garage door opener under both of its plans.

Coverage includes all components and parts except garage doors, hinges, springs, sensors, chains, travelers, tracks, rollers, and remote receiving/transmitting devices.

Does Choice Home Warranty cover water heaters?

Yes, both of Choice Home Warranty’s plans cover water heaters.

All parts and components, including circulating pumps, are covered except the following:

  • Insulation blankets
  • Pressure reducing valve
  • Fuel, main, holding, or storage tanks
  • Vents and flues
  • Thermal expansion tanks
  • Low boy or squat water heaters
  • Solar water heaters and solar components
  • Noise
  • Energy management systems
  • Commercial-grade equipment over 75 gallons
  • Drain pans and lines
  • Tankless water heaters

Remember that, like most home warranty companies, Choice Home Warranty requires its customers to conduct routine maintenance on their covered appliances and systems. This means that sediment build-up, rust, and corrosion are not covered repairs by Choice Home Warranty.

How much does Choice Home Warranty cost?

Choice Home Warranty coverage costs $29–$42 per month.

You can pay an annual premium upfront or pay monthly installments. Sometimes, if you opt into three- or five-year coverage, you can lock in a price. Otherwise, premiums are subject to increase year after year upon renewal.

Choice Home Warranty also offers one month free on a promotional basis for a contract length of 13 months.

Is Choice Home Warranty transferable?

Yes, Choice Home Warranty is transferable between home sellers and buyers at the time of the home sale. Many home sellers will purchase a home warranty plan to cover repairs while the house is listed and under contract. They can then transfer home warranty coverage to the buyers. This gives anxious buyers some peace of mind that major household components are protected.

This is one value proposition for home warranties. If you’re debating a home warranty versus a manufacturer’s warranty, remember that manufacturer warranties are often times not transferable.

Can I cancel my Choice Home Warranty?

Yes, customers can cancel their Choice Home Warranty plan at any time.

An administration fee of $50 will be withheld but you will otherwise receive a full refund for the months of coverage you’ve already pre-paid for.

So if you paid a premium upfront for a three-year plan but you want to cancel at the beginning of year three, you will receive one year’s worth of premium back (less the $50 admin fee).


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