Choice Home Warranty Review (In-Depth 2020 Information)

Choice Home Warranty (CHW) is one of the best home warranty companies in the industry, providing comprehensive home protection plans that guard against the high cost of repairing or replacing major home systems and appliances.

Below you’ll find House Method’s 2020 review of Choice Home Warranty. We discuss the types of plans offered and how much each plan costs, compare Choice against other top home warranty providers, include Choice Home Warranty reviews from current customers, and give our honest thoughts about the company and whether it’s a good fit for you and your home.

Editor's choice

  • Provides after-hours service
  • Doesn’t deny coverage based on the age of systems or appliances
  • Guaranteed response time within 48 hours of receiving a claim
Pros  Cons
Veteran in the home warranty industry (has over 10 years of experience)

Customers can cancel for free within 30 days of the contract’s start date

90-day repair guarantee

Customers can’t customize their plan

Customers can’t choose their own contractor to make repairs

Choice Home Warranty plans, coverage, and cost

Choice Home Warranty offers two plans—a Basic Plan and a Total Plan—at an average cost of $36–$44 per month. Choice also offers optional coverage at an additional cost for pool and spa equipment, septic septic systems, and other items (listed below).

Basic Plan: $36.17 per month ($434.04 per year). This plan covers 14 major home components.

  • Heating system
  • Electrical system
  • Plumbing system
  • Plumbing stoppages
  • Water heater
  • Whirlpool bathtub
  • Oven/Range/Stove
  • Cooktop
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans

Total Plan: $43.85 per month ($526.20 per year). This is CHW’s more comprehensive plan and protects 19 home appliances and systems.

  • Air conditioning system
  • Heating system
  • Electrical system
  • Plumbing system
  • Plumbing stoppages
  • Water heater
  • Whirlpool bathtub
  • Refrigerator
  • Oven/Range/Stove
  • Cooktop
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Clothes washer
  • Clothes dryer
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans

Optional coverage: CHW offers coverage for items at a cost of $40–$180 per year. If you have items like a pool or spa that you want protection for, you can add on optional coverage to your existing plan.

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer

*Note: You will be required to pay a $85 trade service call fee for each claim you make, regardless of the actual cost of the repair or replacement being made. This fee is paid directly to the technician who comes to your home.

Details for top systems and appliances

To understand what comprehensive home warranty coverage truly looks like, our team at House Method surveyed 1,000 homeowners and asked which systems and appliances were most important to them. We then took those responses and compared them to what is and isn’t covered under each home warranty provider’s contract.

Our findings show that the top three appliances that are most important to a homeowner are refrigerators, washers and dryers, and the oven/stove/range. The top three systems that hold the most importance are the electrical, plumbing, and air conditioning.

Here’s what specific coverage for those systems and appliances looks like under a Choice Home Warranty plan:

Refrigerator

For your refrigerator to be covered, it must be located in the kitchen. All components and parts, including the integral freezer unit, are covered. Here are the refrigerator parts that are excluded under a Choice Home Warranty contract: racks, shelves, lighting and handles, freon, ice makers, ice crushers, beverage dispensers, the water lines and valve to the ice maker, line restrictions, leaks, interior thermal shells, wine coolers, mini refrigerators, food spoilage, doors, door seals and gaskets, hinges, glass, and audio or visual components.

Basically, if your refrigerator abruptly loses power and doesn’t come back on or stops functioning properly, you can file a claim and should be able to receive coverage. However, if there’s a leak or a certain accessory that doesn’t work (something that hasn’t broken down due to normal wear and tear), you may have better luck getting coverage under a manufacturer’s warranty.

Oven/stove/range

Under a Choice Home Warranty plan, ovens, ranges, stoves, and cooktops that are gas, electric, built-in, portable, or free standing are covered. The parts of these appliances that aren’t covered include clocks, rotisseries, racks, handles, knobs, door seals, doors, hinges, lighting and handles, glass, and meat probe assemblies.

Clothes washer and dryer

Most components and parts of your clothes washer and dryer are covered under a Choice plan, except for noise, venting, lint and filter screens, knobs and dials, doors, door seals, hinges, glass, leveling and balancing, and damage to clothing.

Electrical

The electrical system is covered up to a $500 limit and includes coverage of most components and parts, including built-in bathroom exhaust fans. Some items that are excluded include carbon monoxide alarms, smoke detectors, solar power panels, and damages due to power failure or surges.

Plumbing

Leaks and breaks, except those that are caused by freezing or roots, toilet tank issues, bowls and mechanisms, valves, whirlpool motors, permanently installed sump pumps, and clogs in sewer lines up to 100 feet are all covered.

Air conditioning

Under a Choice Home Warranty plan, all components and parts of an air conditioner are covered. Ducted air conditioner units should not exceed a capacity of five tons and should be designed for residential use only. Note: ductless and window units are not covered, so if you  have one of these systems as your primary form of air conditioning, you may want to go with another home warranty provider that does cover these items, such as American Home Shield.

For a complete list of what is and isn’t covered under your home warranty plan, call Choice Home Warranty today at 848-256-4657.

Sign up for Choice Home Warranty coverage

Coverage length

Coverage starts 30 days after Choice Home Warranty receives and accepts your application and payment. Coverage will continue for a year from that start date. You may be able to get coverage before the 30-day period if you can provide proof of prior coverage and show no lapses in coverage.

Coverage limits

Choice Home Warranty doesn’t cover any failure or malfunction caused by insufficient maintenance—including rust or corrosion—collapsed ductwork, or pre-existing conditions. Your items must be in place and in proper working order on the effective date of the home warranty contract and fail due to normal wear and tear to be covered.

Additionally, as long as your appliances and systems are in good working order and properly maintained, Choice doesn’t deny coverage based on the age of your home.

Before signing a Choice Home Warranty contract, familiarize yourself with their terms of service—there could be coverage limits to certain items listed under your 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 other electrical components and parts, including built-in bathroom exhaust fans, are covered.

See if your state is covered by Choice Home Warranty

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Choice Home Warranty is currently not available in California, Oklahoma, or Washington. If you live in one of these states, check out our reviews on the best home warranty companies in California, the best home warranty companies in Oklahoma, and the best home warranty companies in Washington to find a home warranty that’s best for you.

Our take

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 absolutely necessary to have a positive home warranty experience.

Choice has a call center that’s open all year round at all times. And if you don’t feel like calling to file a claim, you can login to your online account center and make a claim at any time.

It’s important to note that although Choice can field claims around the clock, they won’t necessarily be able to send a contractor to your home to address your problem right away. They will, however, contact a service provider within two days of your claim during normal business hours and within four days on weekends and holidays. This means that it could take anywhere between 48–96 hours before you receive any service on your broken system and appliance.

Coverage-wise, Choice offers two plans—a Basic Plan and a Total Plan—which falls short of the industry average of three to four. While you can’t customize your plan, like you can with other home warranty providers, you can add optional coverage to your plan for an additional cost. Additionally, even though Choice provides only two plans to customers, the most basic plan covers 14 items, which is in line with the industry average.

Choice Home Warranty ratings

Plan options

3.7 / 5

Breadth of coverage

2.1 / 5

State availability

3.3 / 5

Cost

4.5 / 5

Trustworthiness

4.7 / 5

Customer service

5.0 / 5

Unique benefits

4.0 / 5

Choice Home Warranty reviews

As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by Choice Home Warranty customers. That’s where we come in. At House Method, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to comprehend.

Below, we’ve included Choice Home Warranty ratings compared to the industry average

Summary of Customer Feedback

Reviewer Choice Home Warranty Ratings Industry Average Ratings
Average # of Reviews Average Score Average # of Reviews Average Score
Yelp 1444
1.0 375
1.2
BBB 1641
1.3 956
2.0
TrustPilot 7785
4.0 937
1.9

Frequently asked questions about Choice Home Warranty

Is Choice Home Warranty a reliable company?

Compared to other home warranty companies, Choice Home Warranty is one of the more reliable companies in the industry. It’s a good option for homeowners who live in older houses, as the age of covered items does not affect coverage. It’s also a great option for homeowners who are looking for an affordable home warranty plan that covers major home systems and appliances.

With a B- rating from the Better Business Bureau (BBB), 5,268 complaints closed within the last three years, and a 90-day parts guarantee, we believe that Choice actively seeks to help their customers whenever they have an issue and delivers on their part to address repairs and replacements in a timely manner.

Does CHW cover water heaters?

Yes, both of Choice Home Warranty’s plans cover water heaters. All parts and components, including circulating pumps, are covered. The following parts are not covered:

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

Remember: Like most companies, Choice requires its customers to conduct routine maintenance on their covered items. This means that sediment build-up, rust, and corrosion are not covered under repairs.

Does Choice cover garage doors?

In general, home warranties do not cover garage doors—only major systems and appliances. However, Choice Home Warranty does cover your garage door opener under both of its plans.

How much does Choice Home Warranty cost?

Choice Home Warranty options cost $36–$44 per month. You can pay an annual premium upfront or pay monthly installments.

Sometimes, if you opt into three- or five-year coverage plans, you can lock in a price. Otherwise, premiums are subject to increase year after year upon renewal.

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

Is CHW 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 coverage plan to cover repairs while the house is listed and under contract. They can then transfer the coverage to the home buyers. This gives anxious home 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 oftentimes not transferable.

How do I cancel my plan?

The Choice Home Warranty cancellation policy is very lenient. Customers can cancel plans 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. If you paid a three-year plan premium upfront, and 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).

How does CHW work?

Once coverage begins, customers can file as many claims as they’d like. They should file a claim as soon as 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 to their home.

If the item cannot be repaired, Choice may agree to replace the system or appliance altogether. If parts must be ordered, customers will not have to pay for a second service call fee upon the technician’s second appointment. In fact, repairs are guaranteed for 90 days, which will prevent customers from paying a second service call fee should the covered item break again.

Final thoughts

House Method gives Choice Home Warranty 3.9 out of 5 stars. Pricing is competitive, its service fees are typical, and the lack of coverage caps makes a huge difference in cost and savings.

We believe Choice Home Warranty is a good choice for you if…

  • you own an older home—The company doesn’t deny coverage based on the age of your home or its systems and appliances, as long as you’ve taken good care of them. Choice also doesn’t require you to get a home inspection before getting coverage.
  • your refrigerator is on the fritz—Freon is fully covered whereas most companies charge $10 per pound.
  • you want a basic plan—Choice provides a Basic Plan that includes both appliances and systems and a Total Plan for more comprehensive coverage.

Choice might not be the best option for you if…

  • you live in California, Oklahoma, or Washington, as these states are not covered by CHW.
  • you want to choose your own service technician for repairs or replacements.

Compare home warranties

Compare Choice Home Warranty to the competition.

Best for
Current promotion
Plan options
Cost per month
Contract length

Best for

Editor's choice

Current promotion

First month free

Plan options

2 + add-ons

Cost per month

$36–$44

Contract length

13 months (first month free)

Best for

Best customizable plans

Current promotion

Discounts on plans for multiple properties

Plan options

4 + add-ons

Cost per month

$50–$55

Contract length

12 months

Best for

Immediate coverage

Current promotion

1–5 months free with 1- to 5-year plans

Plan options

2 + add-ons

Cost per month

$46–$61

Contract length

12 months

Methodology

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. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.

Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.

For more details, check out our affiliate disclosure and rating methodology.

Company information

  • Company name: Choice Home Warranty
  • Company type: Private
  • CEO: Victor Mandalawi
  • Founding date: 5/18/2008
  • Years in business: 11 years
  • Telephone: 848-256-4657
  • Address: 1090 King Georges Post Road, Edison, NJ 08837
  • State availability: 47 states
  • Service fee: $85
  • BBB rating: B-
  • BBB accreditation: No
  • Number of BBB complaints closed within last 3 years: 5,268

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