White kitchen design in new luxurious home

Choice Home Warranty Review | 2022

Looking for a home warranty? Read our review to learn more about Choice Home Warranty's coverage, costs, and plans, and decide if it's the ideal provider.
Each product we feature has been independently selected and reviewed by our editorial team. If you make a purchase using the links included, we may earn commission.

In this review, we take a close look at Choice Home Warranty, a well-known home warranty provider that's widely available nationwide. Our team of dedicated researchers go over things such as the plans offered, pricing, and coverage limits, so you can decide if Choice Home Warranty is the best home warranty company for you.

To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form online.

Best Basic Plan
Choice Home Warranty

Pros and Cons of Choice Home Warranty

Pros Cons

✓ Offers coverage without conducting a home inspection

☓ The Arizona Attorney General filed a Consumer Fraud Lawsuit against Choice Home Warranty in 2019

✓ The most comprehensive plan costs only $526, which is less than the industry average of about $600

☓ Does not allow customers to choose their own technicians

✓ 24/7 claims processing

☓ 30-day waiting period

Background & State Availability

Since 2008, Choice Home Warranty has handled more than 2.5 million service calls and is trusted by over a million homeowners throughout the United States. Compared to others in the home warranty industry, its fees are competitive and the company offers comprehensive coverage for the most essential home systems and appliances. 

  • Years in Business: 13
  • Headquarters: Edison, New Jersey
  • BBB Rating: B-
  • Number of Reviews: 1,300+
  • State Availability: 48 states*

* Choice Home Warranty in not available in California or Washington.

Choice Home Warranty Plans & Coverage

Choice Home Warranty offers two home warranty coverage plans: the Basic Plan and the Total Plan. The Basic Plan covers most systems and home appliances, however, does not offer coverage for your air conditioning system, washer, dryer, or refrigerator. To get coverage on those additional items, we recommend the the Total Plan.

Plan What's Covered

Basic Plan

Oven, stove, and cooktop ✓
Built-in microwave ✓
Dishwasher ✓
Heating system ✓
Ductwork ✓
Water heater ✓
Plumbing system ✓
Plumbing stoppages ✓
Electrical system ✓
Exhaust and ceiling fans ✓
Whirlpool bathtub ✓
Garage door opener ✓
Garbage disposal ✓

Total Plan

Oven, stove, and cooktop ✓
Built-in microwave ✓
Dishwasher ✓
Heating system ✓
Ductwork ✓
Water heater ✓
Plumbing system ✓
Plumbing stoppages ✓
Electrical system ✓
Exhaust and ceiling fans ✓
Whirlpool bathtub ✓
Garage door opener ✓
Garbage disposal ✓
Air conditioning ✓
Refrigerator ✓
Clothes washer ✓
Clothes dryer ✓

Optional Add-Ons

Choice Home Warranty allows you to further customize your home warranty plan by offering optional coverage. Keep in mind that you will pay an additional fee to acquire protection for these systems that are outside of the bundled total plan and basic plan. If you decide to purchase any of the optional add-ons, you can expect to pay between $46 to $180 per month. 

Choice Home Warranty offers coverage for the following optional add-ons: 
✔ Pool and spa
✔ Central vacuum
✔ Second refrigerator
✔ Well pump
✔ Limited roof leak
✔ Stand alone freezer
✔ Sump pump
✔ Septic system
✔ Septic tank pumping

Best Basic Plan
Choice Home Warranty

Coverage Limits & Exclusions

Choice Home Warranty excludes pre-existing conditions from its coverage. If you feel like your equipment is old enough to begin experiencing issues, it's important to purchase coverage before problems exist. In most cases, Choice Home Warranty requires a 30-day waiting period before coverage begins after you're approved for a policy.

Here's what's not covered under a policy with Choice Home Warranty:

  • Cosmetic items like knobs, rollers, handles, and doors.
  • Air conditioner maintenance and associated registers or grills.
  • Sediment build-up or reservoir tanks for water heater coverage.
  • Damage caused by acts of God like theft, fire, and storm damage.

Choice Home Warranty Cost

Choice Home Warranty plans range between $36 to $44 per month or $434 to $526 annually with a single payment plan. If you choose to pay annually, Choice Home Warranty offers an extra month of coverage free of charge.

Along with an $85 service fee, here's the price breakdown of Choice's plans:

Plan Monthly Cost Yearly Cost

Basic Plan

$41.69 per month

$470.25 per year

Total Plan

$50.00 per month

$570.00 per year

*Sample quotes based on a single family home in North Carolina, under 5,000 square feet

Coverage Caps

While Choice Home Warranty offers extensive protection on numerous systems, the full cost of a repair or replacement isn't always covered. According to a user agreement, the group states that its liability will, in no event, exceed $3,000 per contract item for access, diagnosis, and repair or replacement. Although most systems are protected to the $3,000 coverage cap, a few exclusions apply.

Choice Home Warranty Reviews

You can gauge the performance of providers in the home warranty industry by researching its online reputation. Discovering what actual users are saying gives you a new perspective into what you may expect. When reviewing the Better Business Bureau's page for Choice Home Warranty, we found the provider has a B- rating with more than 1,300 customer reviews.

Verdict & Recommendation

Choice Home Warranty is among the largest home warranty providers in the nation. Its plans are simple, and its prices are competitive. Choice is ideal for those with older appliances, since they cover appliances of any age as long as they are in working condition at the start of the warranty.

To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form online.

Best Basic Plan
Choice Home Warranty

Compare Home Warranty Companies

When seeking the right home warranty provider for you, it's always a good idea to compare costs across multiple companies. Our review team has a list of other top home warranty providers, taking into consideration cost, reviews, and total coverage.

Provider Choice Home Warranty American Home Shield Select Home Warranty

Get a Quote

Our Verdict

Best Basic Plan

Best Overall

Best Discounts

Number of Plans

2 plans

3 plans

3 plans

Monthly Cost

$42-$50

$40-$58

$41–$47

Service Fee

$85

$75-$125

$75

States Covered

48 states (Not WA or CA)

49 states (Not Alaska)

46 states (Not NV, NY, WA, WI)

BBB Rating

C

B

B

Learn More

-

Related Content

Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:

Factor

What we consider

Plan Options

The number and type of plan options offered to customers

Coverage

The types of items included in a policy

Cost

How much each plan costs and the service fee options

Company Reputation

How the company is perceived through Better Business Bureau (BBB) ratings and a company's years in business

Customer Service

The customer service team's availability, what guarantees are offered, and what customer communication channels are provided (online customer portals, quote forms, etc.)

Unique Benefits

Factors that make the customer experience more seamless, such as allowing customers to choose their own contractor

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

Choice Home Warranty FAQ

How do I get a quote from Choice Home Warranty?

Those who are interested in buying a contract from Choice Home Warranty can quickly contact the company for an accurate quote by filling out this online form. During the process, you are required to submit information, including your name, address, and your choice between the total plan and basic plan. To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form online.

A customer service representative will then reach out to you with a price for the policy. While the costs we listed above are the average, some factors, like the size of your home, may cause the amounts to fluctuate. 

Best Basic Plan
Choice Home Warranty

How do I submit a claim with Choice Home Warranty?

When filing a claim with Choice Home Warranty, policyholders have two avenues to pursue. The first option is placing a phone call to 888-531-5403 to reach the claims department. Or, users may access their Account Center and submit a claim 24/7

Once an issue reaches claims processing, Choice Home Warranty will dispatch a technician from its network. It's imperative to avoid hiring your own contractor without prior approval, as the group will not authorize a reimbursement.

Is Choice Home Warranty available in California?

Choice Home Warranty is not yet available in California. For homeowners in California interested in a home warranty, we recommend American Home Shield.

What is a coverage limit?

A coverage limit is the maximum dollar amount your home warranty provider will pay toward a covered item during a contract term. This means if you have repairs for an item exceeding your coverage limit, you are responsible for paying the difference.

Can I request service from Choice Home Warranty right away?

No, your coverage will start 30 days after your receipt of contract fee. This is not unique to Choice Home Warranty, and 30 days is the standard waiting period in the home warranty industry.

What is a service fee?

A service fee is an ordinary expense featured under home warranty plans. The charge is the responsibility of the policyholder, and it's typically paid directly to a technician once they arrive on the property.