Choice Home Warranty (CHW) offers home warranty plans to homeowners in every state in the country except Washington. The company has been in business since 2008 and offers affordably priced home warranty policies.

This Choice Home Warranty review explores the company’s coverage, prices, and reputation.

Our Take on Choice Home Warranty

After reviewing dozens of home warranty companies, we found Choice Home Warranty to offer affordable plan options, low service fees, and nationwide availability. The provider has recently raised its Better Business Bureau (BBB) score to a D (as of August 2022). The BBB cites a pattern of complaint that alleges CHW has continued to charge consumers for cancelled services and made it difficult to have those charges refunded.

Additionally, Choice Home Warranty is currently subject to a consumer fraud lawsuit filed by the Arizona Attorney General in 2019. A representative told us in late 2021 that the company couldn’t comment on pending legislation but stated that as of October 2021, 90% of 1.1 million claims filed in 2021 had been approved.


 

Our Best Home Warranty Companies of 2022

The home warranty companies with the best ratings include the following:


 

Pros and Cons of Choice Home Warranty

✔ Doesn’t require home inspections to start coverage
✔ Guarantees repairs for 90 days if an item breaks down after a repair

✘ Doesn’t allow customers to choose their own technician
✘ Has a few reputation concerns that homeowners should be aware of before purchasing a plan


 

Choice Home Warranty Plans and Coverage

Choice Home Warranty offers two home warranty service plans: the Basic Plan and the Total Plan. The Basic Plan covers items such as an electrical system or dishwasher. For complete protection, consider the Total Plan, which covers essential items including a home’s air conditioning, refrigerator, clothes washer, and clothes dryer.

Choice Home Warranty Plans

Item CoveredBasic PlanTotal Plan
Heating System
Electrical System
Plumbing System
Plumbing Stoppage
Water Heater
Whirlpool Bathtub
Oven, Range, and Stove
Cooktop
Dishwasher
Built-In Microwave
Garbage Disposal
Ductwork
Garage Door Opener
Ceiling and Exhaust Fans
Air Conditioning System-
Refrigerator-
Clothes Washer-
Clothes Dryer-

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

Optional Add-Ons

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

Coverage Exclusions

Choice Home Warranty excludes preexisting conditions from its coverage. If you think your home systems are old enough to begin experiencing issues, it’s important to purchase coverage before problems occur.

Other items that aren’t covered include the following:

  • Cosmetic items, such as 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, 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.

  • Monthly Cost: $45–$55
  • Annual Cost: $560–$660
  • Optional Add-Ons (additional annual cost): $40–$180
  • Service Fee 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 to $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 that the coverage caps differ for different coverage items. For example, ductwork, plumbing and electrical systems max out at $500.


 

State Availability

Choice Home Warranty plans are available in 49 states—all but Washington.

Here are alternative home warranty companies to consider if you live in Washington: Best Home Warranty Companies in Washington


 

Choice Home Warranty Reviews

You can get an idea of the performance of a home warranty company by researching its online reputation. Customers share both positive and negative experiences with CHW.

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 to us 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. Additionally, the BBB currently cites a pattern of consumer complaint regarding charges after cancellation and difficulty obtaining refunds.

Here are a few Choice Home Warranty reviews pulled from the 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:

“They refused to pay for repairs on my furnace. I did get my furnace fixed out of my own pocket for $227. CHW would not pay and canceled my policy on 12/02/2020. I pursued a BBB complaint and CHW said I canceled my policy and did not return my calls.” —Lucinda G.


 

Our Conclusion

If you’re looking for a basic plan, Choice Home Warranty offers two solid plan options. Additionally, the provider doesn’t deny coverage based on your home’s age. However, before choosing any service provider, you should read customer reviews and be aware of any patterns of concern.

Before choosing a home warranty plan, we recommend requesting at least three custom quotes from top home warranty providers.


 

Compare Home Warranty Companies

Provider

Best For

Monthly Cost

Service Fee

BBB Rating

States Covered

Choice Home Warranty

Best Basic Plan

$45–$55

$85

D

49 states
(Not including WA)

American Home Shield

Best Overall

$40–$58

$75–$125

B

49 states
(Not including AK)

Liberty Home Guard

Most Responsive

$40–$60

$60

A+

48 states
(Not including WA, WI)

Select Home Warranty

Best Value

$36–$38

$60–$75

C

46 states
(Not including NM, NV, WA, WY)

America’s First Choice Home Club

Best Customization

$43–$60

$75–$125

B

49 states
(Not including HI)

First American Home Warranty

Best Appliance Coverage

$36–$38

$75

B+

35 states
(Not including AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NY, ND, RI, VT, WI)


 

Frequently Asked Questions


 

Company Information

  • Company name: Choice Home Warranty
  • CEO: Victor Mandalawi
  • Telephone: 929-400-6165
  • Address: 2147 Route 27 South, 4th Floor
  • City/State: Edison, NJ
  • Zip code: 08817
  • BBB rating: D

Infographic showing time and effort put into this article's research

 

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.

Choice Home Warranty Review