Owning a home brings a sense of security and achievement, but it also comes with unexpected repair and replacement costs. Appliances break down, systems fail, and home maintenance never ends. That’s where a home warranty—especially one from Choice Home Warranty (CHW)—can offer peace of mind. As one of the most recognized providers in the home warranty industry, Choice Home Warranty promises to help homeowners manage repair costs affordably and efficiently.
What Is Choice Home Warranty?
Choice Home Warranty is a service contract provider that covers repairs and replacements of major home systems and appliances due to normal wear and tear. Unlike homeowners insurance, which covers damage from accidents or natural disasters, a home warranty protects you from the inconvenience and high costs of mechanical breakdowns.
Founded in 2008, Choice Home Warranty serves customers across the United States and has built a reputation for its simple plan structure, optional coverage add-ons, and nationwide contractor network.
Plans and Pricing
Choice Home Warranty keeps things straightforward with two main plans:
1. Basic Plan
This plan covers essential appliances and home systems, including:
• Electrical system
• Plumbing system
• Heating system
• Water heater
• Oven/range/stove
• Cooktop
• Dishwasher
• Garbage disposal
• Whirlpool bathtub
• Ductwork
Monthly Cost: Around $46.67
Annual Cost: Approximately $560
2. Total Plan
This includes everything in the Basic Plan, plus coverage for:
• Refrigerator
• Air conditioning system
• Clothes washer and dryer
Monthly Cost: Around $55
Annual Cost: Approximately $660
Optional Add-Ons
Homeowners can customize their plans by adding coverage for:
• Pool/spa
• Septic system
• Second refrigerator
• Sump pump
• Well pump
• Standalone freezer
• Roof leaks
• Central vacuum
Service Fee: $85 per service call (due at the time of technician visit)
What Makes Choice Home Warranty Stand Out?
✅ Comprehensive Coverage
CHW offers well-rounded plans that bundle many essential systems and appliances, making it easy for homeowners to get reliable protection without juggling multiple policies.
✅ Affordable Options
With competitive monthly premiums and a reasonable service fee, CHW provides protection for those on a budget.
✅ 24/7 Claims Service
You can file claims 24/7 online or by phone, and the company typically dispatches a technician within 48 hours.
✅ Transferable Plans
If you sell your home, the warranty can be transferred to the new owner, adding value to your property.
Pros and Cons
???? Pros
• Simple and clear plan options
• Nationwide network of licensed contractors
• Optional coverage for a wide range of items
• Competitive pricing for both plans and add-ons
• Free coverage month(s) with some promotional offers
???? Cons
• Some claims may be denied due to exclusions or pre-existing conditions
• Service call fee is slightly higher than some competitors
• Coverage limits on some systems (e.g., plumbing or ductwork) may be capped at $500
• Mixed customer service reviews—some report delays or communication issues
What’s Covered – and What’s Not
While CHW covers a wide range of home components, it’s important to read the fine print. For example, most warranties:
• Do not cover pre-existing conditions
• Exclude cosmetic damage or maintenance issues
• May deny coverage for systems not properly maintained
• Limit total coverage amounts per claim or per contract term
For instance, the limit for electrical or plumbing repairs may be around $500 per item, while HVAC systems may have higher limits—up to $3,000 depending on your policy.
Customer Reviews and Reputation
Choice Home Warranty has a BBB rating of B and thousands of reviews across platforms like Trustpilot, Consumer Affairs, and Reddit. Customer opinions are mixed:
• Many praise the company for fast service and helpful technicians.
• Others criticize claim denials or delays in receiving service.
Pro tip: Like with any service provider, carefully review the terms and conditions, especially regarding exclusions and claim processing procedures.
Is Choice Home Warranty Right for You?
If you’re a homeowner with aging appliances or older systems—or just want the security of knowing you won’t face massive out-of-pocket costs for repairs—Choice Home Warranty can be a smart investment. It offers a balance of affordability, simplicity, and flexibility.
It’s particularly ideal for:
• First-time homebuyers
• Owners of rental properties
• Sellers wanting to sweeten the deal for buyers
• Homeowners on a fixed income
Final Thoughts
Homeownership comes with enough surprises—unexpected breakdowns shouldn’t be one of them. With Choice Home Warranty, you can minimize the financial stress of repairs and extend the life of your home’s essential systems. While no warranty is perfect, CHW offers a reasonable and widely trusted option for protecting your biggest investment: your home.
Before signing up, compare providers, read the contract carefully, and choose a plan that fits both your budget and your home’s needs. A few extra minutes of research today can save you hundreds—or thousands—tomorrow.