Choice Home Warranty Review

Our Verdict

Choice Home Warranty is one of the top home warranty providers in the industry. It has a network of over 15,000 contractors that serve its customers’ home warranty claims in all U.S. states except for California and Washington state. Choice has a lot to offer in the way of two coverage plans, with one more comprehensive than the other, as well as several optional add-on items for further coverage as needed.


  • Affordable
  • Emergency service available
  • Free cancellation within 30 days


  • Plans aren’t customizable
  • Not available in all states
  • Offers only two plans

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On Choice Home Warranty’s Secure Website
$552 to $828 per year (based on costs of $46 to $69 per month)
Nationwide Availability
48 states
Coverage Inclusions
Heating, electrical, plumbing, water heaters, Whirlpool bathtub, oven, range, stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opening and ceiling and exhaust plans

Choice Home Warranty at a Glance

Choice Home Warranty offers home warranty plans that cover an array of essential home appliances and systems. Unlike homeowner’s insurance, which can cover items damaged from theft, fires and natural disasters, home warranties cover items that fail or break at some point in their life from normal wear and tear.

For homeowners with more complex (and expensive) appliances and home systems, like plumbing and air conditioning, it’s a great idea to purchase a home warranty plan to avoid unexpected and possibly even life-changing costs for necessary repairs or replacements in the future.

Choice Home Warranty is a great affordable option, offering a Basic and Total plan to cover a variety of essential home appliances and systems. The Basic plan covers a handful of appliances and items, while the Total plan offers more coverage at a higher price.

Choice customers also have the option to add on coverage services for items that aren’t included in their plan. While customers cannot fully customize each plan, having these add-on options provides a small level of customization for those who need a little extra coverage for things like pools and second refrigerators.

If you find yourself in an emergency situation, like having a faulty air conditioning system in the middle of a devastating heat wave, Choice technicians may expedite the process. Plus, customer service representatives are available to assist you 24 hours a day, seven days a week.

Available Plans

Choice Home Warranty offers two plans: Total and Basic. The company’s Basic plan offers coverage for essential household items and systems, like heating systems and dishwashers.

The Total plan offers a more comprehensive coverage plan. While it is the more expensive of the two plans, it protects significantly more items and systems, which could save you money in the long run. The Total plan covers everything the Basic plan covers with the addition of coverage for an air conditioning system, clothes washer, clothes dryer and refrigerator.

Covered ItemsBasic PlanTotal Plan
Heating SystemXX
Electrical SystemXX
Plumbing SystemXX
Garbage DisposalXX
Plumbing StoppageXX
Water HeaterXX
Whirlpool BathtubXX
Built-In MicrowaveXX
Garage Door OpenerXX
Ceiling and Exhaust FansXX
Refrigerator X
Clothes Washer and Dryer X
Air Conditioning System X

Other Benefits

For an additional fee, Choice Home Warranty customers can spring for optional add ons to cover items or systems that aren’t covered by their base plan.

Add-on coverage options include:

  • Pool / Spa
  • Central Vacuum
  • Second Refrigerator
  • Well Pump
  • Limited Roof Leak
  • Stand Alone Freezer
  • Sump Pump
  • Septic System
  • Septic Tank Pumping

There are also some discounts that come with joining the Choice Home Warranty family. It offers $30 off plus a free month of coverage when you purchase a full year of service. Choice also runs seasonal and holiday promotions that offer significant savings, so check their prices regularly or call a customer service representative before purchasing your plan to see if you can snag a deal.

Fine Print

Choice Home Warranty is unfortunately not available nationwide. They don’t offer coverage in Washington state or California, so consider other home warranty providers if you live in either of those two states.

Because Choice Home Warranty offers two base plans, their coverage isn’t fully customizable. If you have a specific set of coverage needs that aren’t completely covered by Choice’s plans and add-on options, you will have to look elsewhere to find the right plan for you. Similarly, if you live in a tiny home without many of these systems or appliances, you will end up paying for a plan with a lot of unnecessary coverage if you go with Choice.

Plan Pricing

The cost of your Choice Home Warranty plan will depend on the size of your home, which plan you choose and whether or not you add optional coverage. Choice charges between $46 and $69 per month for the Basic plan and between $62 and $85 per month for the Total plan, not including add-ons. Add-ons can add an extra $45 to $180 per year.

Home SizeBasic Plan CostTotal Plan Cost
Under 5,000 sq ft$46 per month$62 per month
5,000-plus sq ft$69 per month$85 per month


Choice also charges a service fee to all policyholders who call for a technician to come to their home for an inspection or repair. Policyholders can expect to pay an $85 trade service call fee per claim, regardless of the cost of the repair or replacement for the covered item. That fee is on par with what other home warranty companies charge and isn’t unique to Choice. Service fees are standard in the home warranty industry.

Payout Limitations

As with any home warranty provider, expect payout limitations when you purchase a plan from Choice Home Warranty. It excludes items with pre-existing conditions, like heavy damage, from coverage. If you have old appliances or home systems, be sure to purchase coverage before they fail or become damaged. Choice does not deny coverage for items based on their age.

Choice does not cover cosmetic items that aren’t necessary for the item’s functionality. Items that aren’t covered are:

  • Cosmetic items (doors, handles, etc.)
  • Sediment build-up in water heater tanks
  • Water reservoir tanks

Choice also doesn’t cover damage that was caused by an uncontrollable event, also known as an act of God. Such events include burglaries and theft, house fires, earthquakes and severe weather.

Consider springing for homeowner’s insurance to cover your belongings if you’re concerned about acts of God. For the ultimate peace of mind, we recommend getting both homeowner’s insurance and a home warranty. That way, there’s an excellent chance that your home’s items and systems will be covered in any damaging event.

Choice Home Warranty has caps for all of its coverage offers. The company states in their sample agreement that its liability will not exceed $3,000 per item for access, diagnosis, repair or replacement. So, if your dishwasher breaks and it costs $3,500 to replace it, you’ll be responsible for paying that extra $500.

How Choice Home Warranty Stacks Up

Choice Home Warranty$552 to $828 per year (based on costs of $46 to $69 per month)48 statesHeating, electrical, plumbing, water heaters, Whirlpool bathtub, oven, range, stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opening and ceiling and exhaust plans

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On Choice Home Warranty’s Secure Website

ServicePlus$53 to $60 per month45 statesPlumbing system, plumbing stoppage, water heater, whirlpool bathtub, electrical system, oven/range/stove, cooktop, sump pump (permanently installed), built-in microwave, dishwasher, garbage disposal, trash compactor, ductwork, garage door opener, ceiling and exhaust fans

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On ServicePlus’ Secure Website

Liberty Home Guard$424 to $636 per year45 statesAppliances, washer/dryer, garage door openers, air conditioning and heating, plumbing, electrical and water heaters

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On Liberty Home Guard’s Secure Website

Is Choice Home Warranty The Right Home Warranty Company for You?

Since Choice doesn’t deny coverage based on the age of your home, we recommend their service for those with older homes who want an affordable protection plan for their household appliances and systems. It’s a great home warranty company for those who live outside of California and Washington, though it can be limiting for homeowners with a wide variety of coverage needs.

Why We Picked It:

  • Charges $46 to $69 per month for the lowest-level plan
  • Discounts available
  • Offers live chat and 24/7 phone support

Get A Quote From Choice Home Warranty

With a Choice Home Warranty plan, you can cater your warranty to your specific needs and the budget you’re working within.

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Top Choice Home Warranty Reviews

Don’t just take our word for it. There are a number of home warranty companies that offer competitive services. Here are some reviews from customers on their experience with Choice Home Warranty:

Ricky of West Monroe, LA from ConsumerAffairs

  • 5/5 stars
  • Reviewed: Feb. 24, 2021


“I contacted Choice Home Warranty about my Heat Pump not heating during low temps. They responded within 2 hours to let me know that they had contacted a repair tech to come and check on my heating unit. The repair tech came within a timely manner and looked over my heating system and came up with a solution to the problem.”


Key Takeaways:

  • Speedy response
  • Efficient technical service


Hemant of Keller, TX from ConsumerAffairs

  • 5/5 stars 
  • Reviewed: Feb. 24, 2021



“Major winter storm hit DFW and all plumbers were naturally super busy. 1 call to Choice and within 72 hours, they had a contractor come to our home. Great service. Very prompt and courteous all the way around. I highly recommend CHW. Be patient and they will take care of it.


Key Takeaways:

  • Quick response in a possible emergency situation
  • Positive customer service interaction
  • A little patience necessary



Gabi of Laveen, AZ from ConsumerAffairs

  • 3/5 stars 
  • Reviewed: Aug. 14, 2021



“Home Choice response to our claim was very pleasant and efficient. We had a serviceman in a timely manner the only problem is we have to wait a couple of weeks before our refrigerator is fixed because he had to order the part and even though the part is in they still aren’t coming to fix our refrigerator until the scheduled day […]”


Key Takeaways:

  • Positive customer service experience
  • Timely response
  • Some wait time for actual parts and final service



Heather of Litchfield, AZ from Consumer Affairs

  • 4/5 stars 
  • Reviewed: Aug. 13, 2021



“Excellent! The tech was very professional and knowledgeable! Communication could have been better from warranty co. I had to call for an update. It also took a few weeks which was difficult. Otherwise fantastic.”


Key Takeaways:

  • Positive technical experience
  • CHW could improve in communication
  • Some wait time



Veretta of Indianola, MS from ConsumerAffairs

  • 4/5 stars 
  • Reviewed: Aug. 6, 2021



“My garbage disposal did not work. Choice dispatched a company a day after I made the claim. The Tech was on time and was very professional. He had on his PPE and prepared for the task. He fixed the issue promptly and explained to me how to maybe fix it if it happens again.”


Key Takeaways:

  • Speedy response
  • Positive technical service
  • Education for future reference

Get A Quote From Choice Home Warranty

With a Choice Home Warranty plan, you can cater your warranty to your specific needs and the budget you’re working within.

Get A Quote