Choice Home Warranty (CHW) is one of the best home warranty companies in the industry, operating in every state in the country but 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 92 out of 100 and named it the home warranty company with the ‘Best Basic Plan’ of 2022. Its affordable plan options, low service fees, and nationwide availability make it an easy choice for homeowners.

To get a free quote, you can call 929-400-6165, complete this online form, or use the quote tool below:

Pros & Cons of Choice Home Warranty

✔ More affordable plans than competitors
✔ Home inspections aren’t required for coverage
✔ Free repairs within 90 days if an item breaks down after a repair

✘ Not available in Washington
✘ Doesn’t allow customers to choose their own technician
✘ Doesn’t allow customers to customize their plans

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Choice Home Warranty Plans & 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 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 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.

  • 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-$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.

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. 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:

“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.

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.

Our Conclusion

The This Old House Reviews Team rated Choice Home Warranty 92 out of 100. 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.

Get a free quote from Choice Home Warranty by calling 929-400-6165 or using the quote tool below:

Compare Home Warranty Companies

Provider

Best For

Monthly Cost

Service Fee

BBB Rating

States Covered

Choice Home Warranty

Best Basic Plan

$45–$55

$85

B

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)

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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

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: B

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, 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.