Choice Home Warranty (CHW) is a tech-powered home warranty company servicing customers in 49 states. Its proprietary automated dispatching and claim tracking technology which helps it to process claims quickly and efficiently. CHW offers a choice of two plans: a Basic plan covering most of your home’s systems and appliances, and a Total plan covering all essential systems and appliances. Customers can earn substantial discounts with annual billing.
| Feature | Status |
| Annual Premium | $510 - $610 (13 months) |
| Plan Types | Basic, Total |
| States | 49 states (excl. WA) |
| HVAC | On Total Plan |
| Contractors | 15,000 in-network contractors |
| Home Inspection Required | No |
| Claims Service Fee | $75 |
| 24/7 Claims Department | Yes |
| Workmanship Guarantee | 90 days on parts/30 days on labor |
Choice Home Warranty’s plans cover HVAC, electrical, and plumbing systems, as well as typical household appliances like dishwashers, built-in microwaves, ovens, ranges, stoves, and cooktops. Coverage is extended to normal wear and tear of appliances and systems that are in proper working order before the policy begins.
The annual claims limit is $3,000 per contract item for access, diagnosis and repair or replacement. Add-on items have lower contract limits, e.g. $500 per contract term for a well pump or limited roof leak, and $250 per contract term for a septic tank pumping.
Coverage comes into effect 30 days after Choice Home Warranty receives your payment. However, if you show proof of prior coverage from another provider, then CHW will automatically begin your coverage.
Another great thing about Choice Home Warranty is that you don’t have to show maintenance records or do a home inspection before you can get covered.
Choice Home Warranty has two plans you can choose from: the Basic Plan and Total Plan. Basic offers coverage for most essential systems and appliances, while Total offers coverage for all essential systems and appliances. Unlike other providers, CHW doesn’t offer separate systems-only or appliances-only plans.
| ITEM | BASIC | TOTAL |
| Heating |
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| Electrical |
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| Plumbing |
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| Plumbing stoppage |
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| Water heater |
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| Whirlpool bathtub |
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| Microwave |
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| Cooktop |
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| Oven/range/stove |
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| Dishwasher |
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| Garbage disposal |
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| Garage door opener |
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| Ductwork |
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| Ceiling and exhaust fans |
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| Refrigerator |
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| Air Conditioning |
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| Clothes dryer |
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| Clothes washer |
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Optional coverage can also be purchased separately for items, including:
Prices for Choice Home Warranty are the same in all locations. When you sign up, you’ll have two choices: (1) Basic Plan or Total Plan; and (2) monthly billing or annual billing (which is actually for 13 months). The Basic Plan is 13% cheaper when you pay annually instead of monthly and the Total Plan is 12% cheaper when you pay annually instead of monthly.
| Time | Basic Plan | Total Plan |
| Monthly billing | $45 | $53.33 |
| Annual billing (13 months) | $510 | $610 |
Choice Home Warranty provides coverage for work performed by any of the 15,000+ contractors in its network. With such a large network, there’s sure to be a CHW contractor in your area.
You can process a claim at any time during the day or night with Choice Home Warranty's 24/7/365 claims department.
Contractors require a $75 service fee, no matter what the end result of the visit is. You’ll pay this out of pocket, and then Choice will pay for any repairs or replacements. Contractors come with a 90-day guarantee on parts and a 30-day guarantee on workmanship.
| Feature | Choice Home Warranty | The Home Service Club | Liberty Home Guard |
| Annual Premium | $510 - $610 (13 months) | $585 - $720 (for 13 months) | $400 - $600 |
| Number of contractors | 15,000+ | 10,000+ | 10,000+ |
| Home Inspection Required | No | No | No |
| 24/7 Claims | Yes | Yes | Yes |
| Workmanship Guarantee | 90 days on parts, 30 days on labor | 90 days on parts, 30 days on labor | 60 days |
Choice Home Warranty has a 3.9-star rating from 22,000+ reviews on Trustpilot, which is an above-average score for a home warranty provider. Here are some of the positive reviews customers have written about CHW:
“I called Choice Home Warranty because my refrigerator had begun leaking. I was surprised when a lady picked up the phone on the 4th ring! She was courteous and polite, took my information down, set up the appointment and was done in about 10 minutes. The technician arrived on time and was wearing a protective mask. He was polite, professional, knowledgeable of the situation with my refrigerator, explained to my husband what was causing the problem, fixed the issue and was in and out in under 30 minutes. All I can say is: My experience with Choice Home Warranty was on point!”
Tryndi Cyndi, November 10, 2021
“I changed warranty back in June for various reasons. I recently needed a repair done. I called and within minutes my claim was already assigned to a contractor. That amazed me. In my old company I practically had to wait over a week or two . The contractor texted me a time. Fixed in a little over 24 hours. When I called, there was no wait time on the phone.”
Barbara Hallam, October 29, 2021
“We have been Choice customers for many years and have yet to have a negative experience with any of our claims. Our latest claim involved a non-emergency plumbing issue. I filed the claim in the morning and received a call from the plumber that same afternoon. The plumber showed up two days later and took care of the problem with no issues. Was very pleased with the amount of time it took between filing the claim and resolving the issue. The plumber was very friendly and very professional, a perfect combination.”
Frank, October 26, 2021
Choice Home Warranty offers a transparent, straightforward home warranty contract covering all your essential systems and appliances. Its plans are competitively priced, and the $3,000 annual limit for each contract item virtually guarantees that you’ll never be out of pocket. With fast response times and a network of 15,000 contractors in 49 states, Choice Home Warranty is a good choice for protecting your systems and appliances.
Choice Home Warranty was founded in Edison, NJ, in 2008 with the goal of protecting homeowners, buyers, and sellers. It has covered more than 1,9 million homes across the USA, and handled more than 6 million service requests. It is well known among American consumers thanks to a series of ads featuring two-time world heavyweight boxing champion George Foreman.