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Choice Home Warranty Review
Choice Home Warranty Review
June 04, 2023 / Michael Graw
Choice Home Warranty Review
June 04, 2023 / Michael Graw
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In a Nutshell

Choice Home Warranty is a home warranty company servicing homeowners in 49 states. The company has a network of more than 25,000 in-network contractors and processes claims 24/7. Choice Home Warranty also uses automated dispatching and claim tracking technology to process claims quickly. You can choose from 2 plans: a Basic Plan covering most of your home's systems and appliances and a Total Plan covering all essential systems and appliances.

Pros

  • 25,000+ in-network contractors
  • 24/7 claims support
  • No home inspection required
  • Affordable, flat-rate service fee

Cons

  • Not available in Washington state
  • No systems-only plan

Choice Home Warranty at a Glance

Feature

Status

Annual Premium

$560 - $660

Plan Types

Basic, Total

States

49 states (excl. WA)

HVAC

Yes (with Total Plan)

Contractors

25,000 in-network contractors

Home Inspection Required

No

Claims Service Fee

$85

24/7 Claims Department

Yes

Workmanship Guarantee

90 days on parts/60 days on labor

Coverage

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. However, Choice Home Warranty won't cover items that stopped working prior to your policy taking effect.

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 is available in 49 states and Washington, D.C. The only state where Choice Home Warranty isn't available is Washington.

What Appliances and Systems Does Choice Home Warranty Cover?

Choice Home Warranty has 2 plans you can choose from: Basic and Total. The Basic plan offers coverage for most essential systems and appliances, while the Total plan 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

Electrical

Plumbing

Plumbing stoppage

Water heater

Whirlpool bathtub

Microwave

Cooktop

Oven/range/stove

Dishwasher

Garbage disposal

Garage door opener

Ductwork

Ceiling and exhaust fans

Refrigerator

Air Conditioning

Clothes dryer

Clothes washer

Optional coverage can also be purchased separately for items, including:

  • Pools and spas
  • Well pumps
  • Central vacuums
  • Second refrigerators
  • Limited roof leaks
  • Standalone freezer
  • Sump pump
  • Septic system
  • Septic tank pumping

Pricing and Onboarding Deals

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. When you opt for annual billing, you get a free month of coverage. So, annual contracts effectively run for 13 months instead of 12.

Time

Basic Plan

Total Plan

Monthly billing

$46.67/month

$55/month

Annual billing

$560/year

$660/year

You can request a free quote on Choice Home Warranty's website or by calling the customer service team.

Note that no matter which plan you choose, you'll also pay a service fee of $85 for each claim you make under your policy. This type of service fee is standard among home warranty companies, and Choice Home Warranty's fee is among the lowest.

Contractors and Service

Choice Home Warranty provides coverage for work performed by any of the 25,000+ contractors in its nationwide network. With such a large network, there's sure to be an in-network 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 an $85 service fee, no matter what the end result of the visit is. You'll pay this out of pocket, and then Choice Home Warranty will pay for any repairs or replacements. Contractors come with a 90-day guarantee on parts and a 60-day guarantee on workmanship.

How Does Choice Home Warranty Compare?

Feature Choice Home Warranty The Home Service Club Liberty Home Guard
Annual Premium $560 - $660 $585 - $720 (for 13 months) $400 - $600
Number of contractors 25,000+ 10,000+ 10,000+
Home Inspection Required No No No
24/7 Claims Yes Yes Yes
Workmanship Guarantee 90 days on parts, 60 days on labor 90 days on parts, 30 days on labor 60 days

What Do People Say About Choice Home Warranty?

Choice Home Warranty has a 3.8-star rating from more than 32,000 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 Choice Home Warranty:

“I am totally satisfied with my purchase from Choice Home Warranty. The cost is less than expected to covered for so many items. Hopefully I won't have to use it for a long time, or maybe not at all, but I can rest easy knowing I'm covered should I need it. Representative was very helpful and thorough.”

Frances Beavers, April 24, 2023

“Our microwave stopped working, tripping the breaker every time we would press start on any program. We made our claim (easy process) online, and by the next day, we were assigned Fix Smart Appliance Repair and given a date and time for the service tech to review the case. Rafael, the tech, was on time, professional, and knowledgeable. Within minutes, he had assessed the issue and explained what was wrong (a new part was needed). Five days later, we were contacted by Fix Smart that the new part had arrived, and one day after that, our microwave was repaired and working like new! Quick, no-hassle repair! Great communication at every step. Highly recommend!!”

Mariponce, April 24, 2023

“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

Bottom Line

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 pay out of pocket. With fast response times and a network of 25,000 contractors across 49 states, Choice Home Warranty is a good choice for protecting your systems and appliances.

About Choice Home Warranty

Choice Home Warranty was founded in Edison, NJ, in 2008 with the goal of protecting homeowners, buyers, and sellers. It covers more than 1.9 million homes in 49 states and has handled more than 6 million service requests. The company has a D+ rating with the Better Business Bureau, but a 3.8-star rating on Trustpilot after more than 32,000 reviews.

Get started now, visit Choice
By Michael Graw
Michael Graw is a freelance journalist and photographer based in Bellingham, Washington. His interests span a wide range from business technology to finance to creative media, with a focus on new technology and emerging trends. Michael's work has been published in TechRadar, Tom's Guide, Business Insider, Fast Company, Salon, and Harvard Business Review.
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