Choice Home Warranty (CHW) is one of the best home warranty companies in the industry, operating in every state in the country but California and Washington. The company has been in business since 2008 and prides itself on its commitment to dedicated customer service that’s available 24 hours a day, seven days a week.
Keep reading our Choice Home Warranty review to learn about the company’s benefits and if it is the best home warranty for you.
Our Take on Choice Home Warranty
We rated Choice Home Warranty a 9.1 out of 10 and named it the home warranty company with the ‘Best Service’ of 2021. Its affordable plan options, low service fees, and nationwide availability make it an easy choice for homeowners.
Pros and Cons of Choice Home Warranty
|✔ More affordable plans than competitors||✘ Not available in California or Washington|
|✔ Home inspections aren't required for coverage||✘ Doesn't allow customers to choose their own technician|
|✔ Free repairs within 90 days if an item breaks down after a repair||✘ Doesn't allow customers to customize their plans|
Choice Home Warranty Plans and Coverage
Choice Home Warranty offers two home warranty service plans that policyholders may choose between: the Basic Plan and the Total Plan. The Basic Plan covers items like an electrical system or dishwasher. For complete protection, consider purchasing the Total Plan—it covers essential items like a home’s air conditioning, refrigerator, clothes washer, and clothes dryer.
Choice Home Warranty Plans
|Item Covered||Basic Plan||Total Plan|
|Item Covered||Basic Plan||Total Plan|
|Oven, Range, and Stove||✔||✔|
|Garage Door Opener||✔||✔|
|Ceiling and Exhaust Fans||✔||✔|
|Air Conditioning System||-||✔|
Here’s more detail about what CHW specifically covers for a few items listed above:
- Plumbing System: Covers leaks and breaks of water, valves for shower and tub, and stoppages in lines up to 100 feet from an access point.
- Air Conditioning: Covers compressors and condenser coils.
- Ceiling and Exhaust Fans: Covers motors, switches, controls, and bearings.
Choice Home Warranty customers can also pay an additional fee to acquire protection for items that are not covered in the plans. Before purchasing a home warranty, we recommend analyzing the user agreement to understand the full extent of coverage and know what is and isn’t covered under your policy.
The following add-ons are also available for coverage:
- Pool and spa
- Central vacuum
- Second refrigerator
- Well pump
- Limited roof leaks
- Standalone freezer
- Sump pump
- Septic system
- Septic tank pumping
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 occur.
Other items that aren’t covered include:
- Cosmetic items like knobs, rollers, handles, and doors
- Air conditioning 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 Pricing
This Old House Reviews Team called Choice Home Warranty for a quote on a single family home in Charlotte, North Carolina, and gathered the following data.
- Plans range between $45 and $55 monthly
- Plans range between $560 and $660 annually
- Optional add-ons cost an extra $40-$180 annually
- Service fees cost $85 per claim
Policyholders must pay a service fee directly to a technician when they arrive to address an issue. The average cost of a service fee generally ranges from $75-$125, so Choice Home Warranty’s fee is in line with industry standards. This charge will hold regardless of the actual cost of the repair or replacement that’s made.
Coverage Caps and Limitations
While Choice Home Warranty offers extensive protection on numerous systems and appliances, the full cost of a repair or replacement isn’t always covered. According to the sample agreement, the company states that its liability will, in no event, exceed $3,000 per contract item for access, diagnosis, and repair or replacement. That means that once that $3,000 limit is reached for a certain item, customers are responsible for paying any expenses past that limit.
Note: Not all systems have a $3,000 coverage cap—ductwork, plumbing, and electrical systems all max out at $500.
Choice Home Warranty plans are available in 48 states—all but California and Washington.
Here are alternative home warranty companies to consider if you live in California or Washington:
Choice Home Warranty Reviews
You can get an idea of the performance of a home warranty company by researching its online reputation. Discovering what actual customers are saying can give you a new perspective into what you might expect from the company you’re about to buy from.
Customers share both positive and negative experiences with Choice. Some homeowners praise the company for its prompt service, while unexpected claim denials are a common complaint among negative reviews. This Old House readers have also reached out about the provider’s vendors failing to properly diagnose issues, and our Reviews Team has received feedback from customers who had trouble getting refunds upon cancellation.
Here are a few Choice Home Warranty reviews pulled from the Better Business Bureau (BBB):
“I have used Choice 3 times, perfect service every time.”—Joe A.
“I would most definitely recommend CHW at this point, and will spread the word to my friends and my family. It was the most painless, satisfying experience ever. I was totally pleased with the customer service and the expediency of the company they hired to do the job. I’d give them six stars if I could.”—Shirley C.
“I have purchased the warranty service for my two properties. Almost half claims got declined for various unreasonable excuses. Not recommended!”—Liang H.
We also received feedback from a reader who stated they had issues with the company:
“My experience was very negative. A couple of months after signing up, my refrigerator began to cool erratically. I filed a claim and it took a week for them to get a technician out to diagnose the problem. My claim was denied because Choice said that the compressor failed sometime before coverage, though they have no proof of that and the refrigerator was working fine prior to coverage and up to the time I noticed a change in temperature. I cancelled my policy since it was not providing coverage and they are giving me a prorated amount back – for coverage I had but they didn’t provide! I find them to be very dishonest since they simply claim the system began failing prior to coverage without needing to prove anything.”
If you’re still on the fence about buying a Choice Home Warranty plan, compare this company to other home warranty companies and consider getting quotes from all of the providers that serve your area—this will give you a better idea of plan and pricing options, helping you find the best home protection plan.
The This Old House Reviews Team rated Choice Home Warranty 9.1 out of 10. The company offers competitive premiums and lower service fees ($60–$85 compared to the industry average of $75–$125) and it doesn’t have low coverage caps on systems and appliances.
We recommend Choice Home Warranty if you own an older home (since the company doesn’t deny coverage based on the age of your home) or if you want an affordable protection plan. It may not be a good option for you if you want to choose your own contractor for repair work or if you live in California or Washington, as coverage is not available in those states.
While the costs we listed above are accurate, some factors—like the size of your home and location—may cause the amounts to fluctuate, so we encourage you to get a quote and provide your zip code for an accurate estimate.
Compare Home Warranty Companies
|Provider||Best For||Monthly Cost||Service Fee||BBB Rating||Years in Business||States Covered|
|Provider||Best For||Monthly Cost||Service Fee||BBB Rating||Years in Business||States Covered|
|Choice Home Warranty||Service||$45–$55||$85||B-||13 years||48 states (Not including CA, WA)|
|American Home Shield||Overall||$40–$58||$75–$125||B||49 years||49 states (Not including AK)|
|Select Home Warranty||Lowest Deductible||$36–$38||$60–$75||B||8 years||46 states (Not including NV, NY, WA, WI)|
|First American Home Warranty||Value||$36–$38||$75||B||35 years||35 states (Not including AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NY, ND, RI, VT, WI)|
|America’s First Choice Home Club||Customization||$43–$60||$75–$125||B||10 years||48 states (Not including CA, HI)|
|Liberty Home Guard||Trustworthiness||$40–$60||$60||A+||2 years||45 states (Not including CA, IL, WA, WY, WI)|
Choice Home Warranty vs. American Home Shield
- Choice Home Warranty has more affordable plans
- American Home Shield provides coverage for pre-existing conditions, appliances, and systems that are damaged due to rust/corrosion
If you’re on a budget, Choice Home Warranty might be a better option for you. If you have appliances that might have been improperly installed, American Home Shield is the better choice.
Choice Home Warranty vs. First American Home Warranty
- Choice Home Warranty offers coverage in 48 states
- First American Home Warranty offers coverage in 35 states
- First American Home Warranty has 24 more years of experience than Choice Home Warranty
Overall, both are highly reputable companies in the home warranty industry.
- Company name: Choice Home Warranty
- CEO: Victor Mandalawi
- Years in business: 13 years
- Telephone: 929-400-6165
- Address: 2147 Route 27 South, 4th Floor
- City/State: Edison, NJ
- Zip code: 08817
- BBB rating: B-
- BBB reviews: 1,507
Consumer Complaints and Lawsuits
Insurance and warranty companies generally have lower consumer ratings than companies in other industries (such as hotels or travel). This is largely due to the fact that even when a customer has a positive experience, it is only after a home system or appliance breaks down. Furthermore, warranty companies are regulated more lightly than insurance companies, which must comply with a host of state regulations.
Across third-party review sites, it’s easy to find customers sharing dissatisfaction with their home warranty companies. Sometimes these disputes escalate to the courtroom. Our analysis found that civil lawsuits have been filed against many of the major players in the industry over the last decade. Often, the home warranty companies chose to settle the lawsuits to avoid ongoing legal costs, typically without admitting guilt.
In 2019, the Arizona Attorney General’s Office filed a civil lawsuit against Choice Home Warranty, accusing the company of making false promises to clients. The complaint alleges that while Choice Home Warranty acknowledged limitations and exclusions, its advertising was misleading to consumers. In 2015, Choice Home Warranty settled a similar lawsuit brought by the New Jersey Attorney General, in which it agreed to pay a fine and hire an independent compliance monitor to supervise its advertising.
Both the New Jersey and the Arizona lawsuits suggested that Choice was misleading in its claims. After the most recent lawsuit was filed, Choice told us it did a complete compliance review of all marketing materials to ensure it did not have any misleading messages.
Choice Home Warranty gets points from our Reviews Team for publishing its complete contract openly on the internet. However, with a pending lawsuit, we deducted points from Choice on our consumer trust score, which factors into our overall rating.
Choice’s operational systems have not always kept up with its growth, and the company has paid a price in the form of these lawsuits. Taking all factors into consideration, though, we think Choice Home Warranty is worth considering as the No. 2 direct-to-consumer home warranty company by sales volume. It has a robust product that hundreds of thousands of consumers choose each year and offers it at a decent price.
In all situations, we recommend that consumers get at least two quotes before making a decision and thoroughly read contracts to understand the caps and exclusions. If you do both of these, it’s unlikely you will be disappointed.
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:
- Plan options (25)
- Coverage specifics (5)
- Pricing (25)
- Trustworthiness (25)
- State availability (5)
- Customer service (10)
- Additional benefits (5)
Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.
Our Score Breakdown for Choice Home Warranty
Frequently Asked Questions about Choice Home Warranty
Is Choice Home Warranty a good company?
Choice Home Warranty is one of the best companies in the home warranty industry. This provider is especially ideal for homeowners of older homes, offering affordable protection plans.
When does coverage begin with Choice Home Warranty?
Once you’re approved for a policy, Choice Home Warranty requires a 30-day waiting period before coverage begins.
What does the Choice Home Warranty claims process look like?
When filing a claim, policyholders have two avenues to pursue.
Once an issue reaches claims processing, Choice Home Warranty will dispatch a technician from its approved network within 24–48 hours. It’s imperative to avoid hiring your own contractor without prior approval, as the company will not authorize a reimbursement for work done by a technician that’s not in their network.
Does Choice Home Warranty cover water heaters?
Yes, Choice Home Warranty covers all parts and components of a water heater, including circulating pumps. Exclusions include holding or storage tanks, vents and flues, thermal expansion tanks, fuel, holding, or storage tanks, noise, energy management systems, and units exceeding 75 gallons.
Does Choice Home Warranty replace air conditioning?
Yes, Choice Home Warranty will replace your air conditioning, provided your unit has been properly maintained. The company covers all components and parts for units below 13 SEER.
Do I need a home inspection before enrolling in coverage with Choice Home Warranty?
When purchasing a protection plan, you won’t be subject to a home inspection, as Choice Home Warranty doesn’t disqualify coverage based on the age of your home or the age of your systems and appliances.
What is a home warranty?
A home warranty service plan is a form of protection homeowners rely on when facing an expensive repair or replacement on a system or appliance. When this optional policy is purchased, plans cover parts and components necessary for the operation of select equipment.
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.