Choice Home Warranty stands out for its affordable plans, bundled systems and appliance coverage, and generous coverage limits. Its simple two-plan structure makes it easy to compare coverage options, while the Total Plan adds protection for major household items such as air conditioning, refrigerators, and laundry appliances.
In this review, we evaluate Choice Home Warranty’s plans, costs, coverage, and customer experience to see how it compares with other leading home warranty companies. We include responses from our 2026 survey of 2,000 home warranty customers nationwide, including homeowners with Choice Home Warranty plans. We also share insights from our team’s firsthand plan sign-up and claims testing.
Key Takeaways
- Choice Home Warranty offers two bundled plans covering systems and appliances, with both costing less than $70 per month.
- Choice’s Basic Plan excludes air conditioning and refrigerators, so homeowners need the Total Plan to cover these major items.
- In our 2026 home warranty survey, 82% of Choice customers were satisfied with their coverage, and 86% said they planned to renew.
Choice Home Warranty
Pros and Cons
Pros
- Offers competitively priced plans for less than $70 per month in most states with a $100 service call fee
- Has upper coverage limits of $3,000 for most appliances
Cons
- Add-ons only include a $500 upper coverage limit
- No choice in service call fee
- Only offers two plans, whereas most competitors offer at least three options
Add-Ons
Choice Home Warranty currently offers the following add-on options for both policies:
- Additional spa
- Central vacuum
- Limited roof leak
- Pool and spa
- Second refrigerator
- Septic system
- Septic tank pumping
- Sprinkler system
- Stand-alone freezer
- Stand-alone ice maker
- Sump pump
- Trash compactor
- Well pump
Our Take on Choice Home Warranty
Choice Home Warranty stands out for its affordable plans, above-average coverage limits, and longer workmanship protection. Its two plans cost less than $70 per month and include a $3,000 coverage cap per covered item, giving homeowners more protection than the $2,000 limit offered by many other providers. Choice also provides longer-than-average protection for completed repairs, which can help reduce additional costs if an issue requires follow-up service.
However, its Basic Plan excludes some major household items, including air conditioning and refrigerators, so homeowners who want broader protection will need its more comprehensive plan. Our firsthand testing also revealed potential inconsistencies in the claims experience, which is worth considering when evaluating the company.
We recommend Choice Home Warranty if you:
- Want appliance and system coverage at an affordable monthly price
- Value higher-than-average coverage limits and longer workmanship protection
- Want a simple plan selection without comparing numerous coverage tiers
We don’t recommend Choice Home Warranty if you:
- Need coverage for known preexisting conditions or damage from improper maintenance
- Want to choose your service call fee or have more plan flexibility
- Need a systems-only or appliances-only plan rather than bundled coverage
What Does Choice Home Warranty Cover?
Choice Home Warranty offers two plans that combine appliance and home system protection. Unlike many home warranty providers we’ve reviewed, Choice doesn’t offer separate appliance-only or systems-only plans. Both options bundle the two, with the Total Plan adding several major household items excluded from the Basic Plan.
Core Plans
Choice offers a Basic Plan and a Total Plan. After reviewing the Choice Home Warranty sample contract, we found that the Basic Plan excludes coverage for certain essential home appliances, like air conditioners, refrigerators, and clothes washers and dryers. Most providers include these items in their standard coverage plans. You must upgrade to Choice’s Total Plan to receive these appliance protections.
- Basic Plan: Covers 14 systems and appliances, including heating, plumbing, and built-in microwaves.
- Total Plan: Covers 18 systems and appliances, adding air conditioning, refrigerators, clothes washers, and clothes dryers to the Basic Plan’s protection.
Covered Items by Plan
Here’s an overview of Choice Home Warranty’s plans and covered items:
| Coverage | Basic | Total |
|---|---|---|
| Air conditioners | 𝗫 | ✔ |
| Built-in microwaves | ✔ | ✔ |
| Ceiling and exhaust fans | ✔ | ✔ |
| Clothes dryers | 𝗫 | ✔ |
| Clothes washers | 𝗫 | ✔ |
| Cooktop | ✔ | ✔ |
| Dishwashers | ✔ | ✔ |
| Ductwork | ✔ | ✔ |
| Electrical system | ✔ | ✔ |
| Garage door openers | ✔ | ✔ |
| Garbage disposals | ✔ | ✔ |
| Heating system | ✔ | ✔ |
| Plumbing stoppages | ✔ | ✔ |
| Plumbing system | ✔ | ✔ |
| Ranges/ovens/stove | ✔ | ✔ |
| Refrigerators | 𝗫 | ✔ |
| Water heaters | ✔ | ✔ |
| Whirlpool bathtub | ✔ | ✔ |
Our 2026 home warranty survey of 2,000 homeowners nationwide found that air conditioning was the top system homeowners prioritized for coverage, while refrigerators ranked first among appliances. Since Choice excludes both from its Basic Plan, the Total Plan may be the more practical option for homeowners who want coverage for these commonly prioritized items.
Coverage Details
Choice Home Warranty provides a $3,000 coverage limit per covered item, compared with the $2,000 limit offered by many other providers we’ve reviewed. This higher cap can reduce your out-of-pocket costs when a covered appliance or system needs an expensive repair or replacement.
The company also backs completed repairs with a 30-day workmanship guarantee on parts and a 60-day guarantee on labor. If an issue requires additional service within the applicable guarantee period, Choice’s assigned technician will return to address it at no additional cost.
Add-Ons
Choice offers 13 optional add-ons for items not included in its standard plans, which is typical among the home warranty providers we’ve reviewed. Most add-ons have a $500 coverage limit, while septic tank pumping is limited to $250 per claim.
Here’s a full list of Choice Home Warranty’s add-ons:
Home and Property
- Additional spa
- Central vacuum
- Limited roof leak
- Pool and spa
- Sprinkler system
Plumbing
- Septic system
- Septic tank pumping
- Sump pump
- Well pump
Appliances
- Second refrigerator
- Stand-alone freezer
- Stand-alone ice maker
- Trash compactor
Homeowner Insights
Among Choice Home Warranty customers in our 2026 home warranty survey, 39% purchased roof-leak coverage, making it the most commonly purchased optional add-on among Choice customers.
The Fine Print
Choice Home Warranty may deny your claim if the issue falls under an exclusion in its service contract. Like most home warranty providers, Choice excludes certain types of damage and limits coverage for specific components. Some notable exclusions include:
- Air conditioning maintenance and associated registers or grilles
- Cosmetic components, such as knobs, rollers, handles, and doors
- Damage caused by theft, fire, or storms
- Sediment buildup and reservoir tanks for water heaters
Choice also excludes known and unknown preexisting conditions, as well as damage related to improper installation, misuse, or routine maintenance.
In our 2026 home warranty survey, preexisting conditions accounted for 29% of claim denials. Since coverage for preexisting conditions varies by provider, check the sample contract before enrolling so you understand which issues could result in a denied claim.
How Much Does Choice Home Warranty Cost?
Choice Home Warranty plans cost an average of $60–$68 per month, based on sample quotes we collected nationwide. The Basic Plan averages $60 per month, while the Total Plan averages $68. Both are slightly above the average home warranty cost of $56 per month but remain under $70.
What Affects Your Cost?
Your Choice Home Warranty cost can vary based on your plan, optional add-ons, home size, and location. The Total Plan costs more than the Basic Plan because it includes additional items, such as air conditioning, refrigerators, and clothes washers and dryers.
Choice charges a $100 service call fee with every plan, which you pay when a technician completes a covered repair or replacement. This is higher than the $75 industry average. Unlike providers that let you choose from multiple service call fees to adjust your monthly premium, Choice charges the same fee with both plans.
Your payment frequency can also affect your total cost. Choice allows monthly or annual payments, but our sample quote included an additional $2.50 fee for paying monthly. We don’t typically see home warranty providers charge an additional fee based on payment frequency.
We’ve detailed Choice’s average monthly cost and service call fees below:
| Plan | Monthly Cost | Service Call Fee |
|---|---|---|
| Basic Plan | $60 | $100 |
| Total Plan | $68 | $100 |
Add-On Cost
Based on our sample quote, Choice Home Warranty add-ons range from $3 to $15 per month. For example, stand-alone ice maker coverage costs about $3 per month, while pool and spa coverage costs $15. These costs can add up quickly, so we recommend prioritizing essential add-ons to keep your overall plan costs down.
Below is a list of monthly costs for add-on coverage:
| Central vacuum | $3 |
| Second refrigerator | $3 |
| Stand-alone freezer | $3 |
| Sump pump | $3 |
| Stand-alone ice maker | $3 |
| Septic tank pumping | $5 |
| Limited roof leak | $6 |
| Trash compactor | $6 |
| Well pump | $8 |
| Sprinkler system | $8 |
| Septic system | $10 |
| Pool/spa | $15 |
| Additional spa | $15 |
Discounts
When we pulled our sample quotes, Choice offered the first month free for new customers. Our sample quote also included a promotional code for 5% off monthly and annual pricing for new customers.
How Does Choice Home Warranty Compare to Other Top Providers?
Choice Home Warranty compares well with other top home warranty providers. Its monthly costs are competitively priced alongside providers like Liberty Home Guard and American Home Shield, although its fixed $100 service fee is higher than the industry average. See more comparison details below.
| Provider | Our Rating | Monthly Plan Cost | Service Fee Cost | BBB Rating |
|---|---|---|---|---|
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$77–$130 | $100–$125 | A- | ||
$57–$68 | $65–$125 | NR |
What Do Customers Say About Choice Home Warranty?
We reviewed Choice Home Warranty customer feedback on the Better Business Bureau (BBB) and Trustpilot and compared common themes with responses from Choice customers in our 2026 home warranty survey.
Insights From Customer Reviews and Our Survey
Choice Home Warranty customers frequently mention helpful customer service representatives, professional technicians, and quick repairs. Some reviewers also describe positive experiences with technicians who explained the problem and completed the necessary repairs during their visit.
Negative reviews focus more on the claims and repair process. Some customers report communication issues, long waits for technicians or replacement parts, denied claims, and lower-than-expected payouts.
Our survey results showed that most Choice customers had a positive experience with their most recent claim, although resolution times varied:
Among Choice customers in our survey:
- 90% said their most recent claim was approved
- 51% of those reporting a resolution time had their claim resolved within one week, while 23% waited two to three weeks
- 42% of those reporting a claim resolution received a repair, while 40% received a replacement
- 90% of those who rated their claim outcome were satisfied or very satisfied
Our Experience Testing Choice Home Warranty
We signed up for a Choice Home Warranty plan and filed several claims to see how the company performs in real-world situations. Below, we share what we learned about Choice Home Warranty’s sign-up experience, claims process, and contractor network.
Signing Up
Our testers found Choice Home Warranty’s sign-up process straightforward. Our tester signed up by phone, reaching a representative in about 12 seconds and completing the call in roughly nine minutes. The representative clearly explained the differences between the Basic and Total plans, answered our tester’s questions, and mentioned available discounts without using high-pressure sales tactics.
Our tester appreciated learning when coverage would begin and receiving their policy information by email shortly after enrolling. However, they wished the representative had spent more time reviewing policy exclusions and providing examples of covered repairs before asking for payment information.
You can also sign up online by comparing Choice Home Warranty’s Basic and Total plans, selecting optional add-on coverage, and requesting a free quote. Like most home warranty providers, Choice Home Warranty has a 30-day waiting period before new coverage begins, though the company may waive it if you can provide proof of uninterrupted coverage from another home warranty provider.
How To File a Claim With Choice Home Warranty
When you need to file a home warranty claim with Choice Home Warranty, use the steps below to complete the process.
Call Choice’s claims department at 888-373-7924 to file a claim. You can also file a claim online through your account center portal. Representatives are available 24/7 to accept claims. Follow the form steps and provide the relevant item information, its brand and model number, and issue details. Verify your information for submitting your claims.
Choice will send an in-network service provider within 48 hours of receiving your claim. The company commits to processing claims within four hours of submission. If you file a claim after normal business hours or during established holidays, you may experience a delay in the company processing your claim.
Once approved, Choice will contact you to schedule a service appointment with a technician. The company only covers repairs or replacements performed by an in-network service technician. It doesn’t allow you to source your own technician.
The technician will arrive to service your system or appliance on the scheduled appointment date. We recommend being at your home for the appointment to let the technician inside and answer any questions they have. Sometimes, the technician will need to order replacement parts to complete the repair, resulting in a second appointment. Once repairs are finished, you’ll pay the $100 service call fee directly to the technician.
Our Choice Home Warranty Claims Experience
Another Choice Home Warranty tester on our team filed several claims for issues involving an air conditioner, refrigerator, freezer, oven, dishwasher, and bathtub. While the claims process itself was straightforward, our tester often waited more than an hour to reach a representative by phone. Once connected, filing a claim typically took less than five minutes, and our tester usually received an email confirmation within 24 hours.
However, our tester’s repair experience was mixed. Some claims, including those for the air conditioner and refrigerators, were resolved successfully, while others required multiple technician visits or resulted in only partial repairs. Our tester also experienced long delays before some contractors were assigned and wasn’t given the option to choose another provider when scheduling issues arose. Overall, our tester found the claims process easy to navigate but was frustrated by inconsistent repair timelines, contractor availability, and coverage outcomes.
Is Choice Home Warranty Worth It?
Choice Home Warranty is worth considering for homeowners who want affordable coverage for both systems and appliances. Its plans provide up to $3,000 in coverage per covered item, along with workmanship protection if a completed repair requires additional service. Most Choice customers in our 2026 home warranty survey also planned to keep their coverage, with 86% saying they intend to renew.
However, Choice may not be the right fit if you want more plan flexibility, separate appliance-only or systems-only coverage, or greater control over your service call fee. Customer reviews also describe inconsistent claims and repair experiences. Choice is most worth considering if you prioritize affordable monthly costs, straightforward bundled coverage, and solid coverage limits.
FAQs About Choice Home Warranty
Does Choice Home Warranty cover preexisting conditions?
No, Choice Home Warranty doesn’t cover known or unknown preexisting conditions. If a system or appliance shows signs of failure or damage before your coverage begins, it likely isn’t eligible for a repair or replacement.
Which is better: American Home Shield or Choice Home Warranty?
When comparing American Home Shield and Choice Home Warranty, the key differences are flexibility and price. American Home Shield offers more plan options and higher coverage limits, while Choice Home Warranty is generally more affordable with simpler options. Choice may work better for budget-conscious homeowners, while American Home Shield is a good fit for homes that need more comprehensive protection.
Does Choice Home Warranty require a home inspection?
No, Choice Home Warranty doesn’t require a home inspection or maintenance records to start coverage. However, the company may deny claims for preexisting conditions or improper maintenance.
Can I transfer my Choice Home Warranty to a new homeowner?
Yes, you can transfer your Choice Home Warranty plan to a new homeowner, which can offer a helpful selling point if you’re putting your house on the market.
Our Rating Methodology for Home Warranty Companies
We back up our home warranty ratings and recommendations with a detailed methodology designed to objectively evaluate each provider. Our research includes reviewing coverage options, analyzing sample contracts, and researching providers directly. In 2025, we collected nearly 4,000 quotes from 13 home warranty companies across all 50 states, using sample addresses for homes of different sizes to analyze pricing.
We complement this research with original consumer research and hands-on testing. We surveyed 2,000 home warranty policyholders nationwide about their experiences and tested providers’ online quote tools and customer support. Over a two-year period, we also purchased home warranty plans from 11 leading providers, allowing us to experience the enrollment and claims processes ourselves.
We use these findings to evaluate each provider across 23 factors in six weighted categories: coverage (35%), cost (20%), trustworthiness (15%), plan transparency (10%), customer support (10%), and flexibility (10%). Each factor receives a point value based on its importance to homeowners, for a total possible score of 100 points. We then convert each provider’s score to a 5-star rating.
