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Home  /   Companies /   Choice Home Warranty
icon Last updated: August 17, 2021

Choice Home Warranty Reviews, Plans, Cost, and Coverage- 2021

Headquartered in Edison, New Jersey, Choice Home Warranty has tended to customers’ needs for over a decade, covering more than 1,000,000 homes across the country. They are one of the largest home warranty companies in the market today, offering comprehensive plans at highly competitive prices.

These plans are tailor-made to meet the needs and requirements of the modern-day customer. They cover various household systems and appliances like heating systems & ducts, plumbing systems, electrical systems, water heaters, etc. The company’s service contracts also help save consumers from high out-of-pocket expenses on unexpected home repairs or replacements of critical systems and appliances.

Pros

  • Offers 24/7 customer service
  • Free coverage for the first month of service
  • The company has managed 4,000,000+ claims to date
  • One of the few companies to offer 'roof repair' service
  • They have network of contractors exceeding 15,000 technicians

Cons

  • Services not available in all states
  • Only two plans available (Excluding optional coverage)
  • No choice of contractor
 $company_name
Rating starRating starRating starRating starRating star
7,290 Reviews

Premium

$370 - $450

Deductible

$85

Coverage Limits

$3K

BBB Rating

B

Active States

48

Complaint Resolution Program

Yes

$3,000

Estimated Appliance Coverage

$3,000

Estimated System Coverage

48

No. Of Active States

Yes

Complaint Resolution Program

Choice Home Warranty Plans

A Choice Home Warranty Package is a cost-effective way in solving home repair problems in good and bad times. It helps deal with unanticipated breakdowns of household systems and appliances. A CHW warranty plan also makes it easier to sell your home, fetching a 3% higher selling price.

Choice Home Warranty offers two plans, ensuring comprehensive coverage for a wide range of home systems and appliances. The Total plan offers more extensive coverage as compared to the Basic plan.

  • Basic Plan: Covers most systems and appliances except AC, refrigerator, clothes washer, and dryer
  • Total Plan: Covers all major systems and appliances

CHOICE HOME WARRANTY PRICES & COVERAGE

The average cost of Choice Home Warranty plans begins at $532 for the Basic Plan and can go up to $627 for the Total plan. The monthly cost for plans may range from $46-$55 respectively. Keep in mind that the cost may vary depending on your state of residence. The first month of your Choice Home Warranty contract is free.

The trade service fee would be $85 irrespective of the actual repair or replacement cost. There is also a 30 day waiting period after the purchase of the contract. The trade service fee can be waived if the company receives a notice of prior coverage within 15 days from another provider or a report certifying that the home systems and appliances are free from pre-existing conditions.

Basic Plan
  • Electrical System
  • Water Heater
  • Garbage Disposal
  • Ceiling Fans
  • Oven / Range / Stove / Cooktop
  • Dishwasher
  • Built-in Microwave Oven
  • Garage Door Opener
  • Heating System
  • Plumbing System
  • Plumbing Stoppages
  • Whirlpool Bathtub
  • Exhaust Fans
Total Plan
  • Electrical System
  • Water Heater
  • Garbage Disposal
  • Ceiling Fans
  • Refrigerator
  • Oven / Range / Stove / Cooktop
  • Dryers
  • Dishwasher
  • Built-in Microwave Oven
  • Garage Door Opener
  • Heating System
  • Air Conditioning System
  • Plumbing System
  • Plumbing Stoppages
  • Whirlpool Bathtub
  • Ductwork
  • Exhaust Fans
  • Washing Machine
Add-Ons
  • Central Vacuum
  • Pool and Spa
  • Well Pump
  • Stand Alone Freezer
  • Septic Tank Pumping
  • Sump Pump
  • Septic System
  • Second Refrigerator
  • Roof Leak

Optional Add-ons

Apart from the above-mentioned list of appliances and systems, you can also opt for Additional Coverage. Choice Home Warranty offers optional coverage for the list of devices mentioned below.
  • Pool/Spa
  • Septic System
  • Central Vaccum
  • Septic Tank Pumping
  • Second Refrigerator
  • Sump Pump
  • Stand Alone Freezer
  • Limited Roof Leak

Choice Home Warranty Claims & Customer Service

Choice Home Warranty is one of the few companies to have a service recall period on offer. The workmanship guarantee is 90 days, and if the problem recurs within this period, follow-up work will be performed at no service call fee. Here is how you can file a CHW claim:

  • You can file a claim online through the Choice Home Warranty login portal or by calling the phone number (1-888-531-5403)
  • Choice Home Warranty will contact an independent service technician to come at your convenience
  • The company schedules service visits within two business days for claims filed during the week and four days for weekend requests
  • Choice service call fee will have to be paid by you to the contractor. This amount will be $85

Read the Choice Home Warranty reviews to find out how the claim process works out for fellow buyers.

Read Choice Home Warranty reviews to find out how the claim process works out for fellow buyers. At any given point in time, you can get in touch with the company’s customer service team. All you need to do is dial 1 (888) 373-7924. The company’s customer care team will be happy to assist you with problems regarding claims or other coverage-related issues.

What are the exclusions and limits of Choice Home Warranty contracts?

Choice Home Warranty will not cover malfunctions due to rust, corrosion, sediments, mold, misuse, mildew, improper maintenance against manufacturer instructions, cosmetic items, missing parts, structural variation, doors, knobs, etc. They will also not replace parts that give problems within the first 30 days of the contract.

The contract does not extend to commercial-grade systems and appliances you may have. CHW also reserves the right to give cash in place of actual replacement. (which may cost lower than retail prices.)

The agreements only extend to single-family homes (including manufactured homes), new construction homes, condominiums, townhomes, and mobile homes under 5,000 square feet. Bigger homes will have a higher fee.

Unlike homeowners insurance, Choice Home Warranty does not cover any damage caused by natural disasters, acts of God, etc. It should be noted that although they cover items that are past the manufacturer’s warranty, they don’t cover defects that are the manufacturer’s fault. They also do not cover breakdowns caused by wilful and negligent use and only offers repair and replacement services to items that fail due to normal wear and tear.

Home warranty agreements do not provide unlimited coverage amounts on repairs and replacements. There are upper ceilings on each system and appliance. You must read the service agreement to understand in detail the coverage inclusions and exclusions.

Choice Home Warranty: Worth It?

Choice Home Warranty is a reputable home warranty service provider with an extensive contractor network. As a participant in HomeWarrantyReviews.com’s CRP program, they reach out to consumers frequently to resolve issues. Choice Home Warranty may be a worthwhile consideration for owners of older homes or homebuyers who have exhausted funds on a new home purchase.

If you are still unsure, have a look at our Best Home Warranty Companies of 2021 for more options.

Comparison With Other Top Home Warranty Companies

Choice Home Warranty vs.
Select Home Warranty
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Tough Competition

With both companies providing 24/7 customer support, similar coverage limits, and participation in our exclusive Complaint Resolution Program, making a decision isn’t easy.

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Roof Coverage

Choice Home Warranty offers a free month of all-across coverage. Select Home Warranty also provides an offer of a $99 discount for free roof coverage.

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Pricing & Location

Select Home Warranty offers a slightly lower deductible and premium, while Choice Home Warranty has a broader range of optional coverage items in the plans. The service location range is similar to both companies, excluding three-four states.

Choice Home Warranty vs.
American Home Shield
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Growing Contender

When coming up against American Home Shield, Choice Home Warranty also offers almost nationwide coverage and a comparable size of the contractor network.

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Pricing Benefits

Choice Home Warranty plans are priced more competitively with a lower deductible and a free month of coverage. On the other hand, AHS offers flexibility in choosing a higher or lower premium amount, offset against a negotiable deductible.

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New Plans Available

American Home Shield has come up with three new plans offering comprehensive coverage at affordable rates. On the other hand, CHW only offers two coverage plans, as of now. Compare CHW and AHS carefully before going ahead.

Choice Home Warranty vs.
ServicePlus Home Warranty
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New Contender

ServicePlus Home Warranty offers discounted repairs and replacements of worn-out home systems and appliances. Though newer than Choice Home Warranty, they also offer a similar range of plans and coverage options.

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Coverage Range

Both offer limited roof leak repair. SPHW offers coverage for a sump pump, trash compactor in the basic Gold plan, unlike Choice Home Warranty. SPHW’s Platinum plan covers two heating and A/C systems units and has more add-on options than Choice Home Warranty.

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Pricing & Offers

In pricing, both companies are almost similar, with both offering a free month of coverage. But, HomeWarrantyReviews users can take advantage of a unique, exclusive offer from ServicePlus Home Warranty that gives $200 off, and free roof coverage for two months.

CHOICE HOME WARRANTY FAQs

How can I get a free quote from Choice Home Warranty?

The most convenient way of receiving a Choice Home Warranty quote for free is through HomeWarrantyReviews.com. All you need to do is submit your zip code and email address. The free quote will be sent to your inbox within 24 hours. No credit card details are required to be submitted when opting for a quote.

Is Choice Home Warranty any good?

Yes, Choice Home Warranty has received numerous positive reviews and is known to be a reputed home warranty provider. Check out customer reviews to know several other intricate details.

Is Choice Home Warranty reliable?

In most cases, Choice Home Warranty has been termed as a reliable service provider. However, at times due to climate, Covid-19 restrictions, or sudden emergencies, services can get affected. But be rest assured that the company strives to provide assistance at all times.

How much does Choice Home Warranty cost?

The monthly cost of Choice Home Warranty starts from $46-$55, depending on the plan. The cost of the plan may increase if your home is larger than 5,000sqft. In addition, the trade call fee is $85 per claim. This fee is paid to the service technician who is sent to your home to repair the covered item.

In case the repair cost or replacement exceeds the coverage limit, you’d have to pay the surplus amount. Choice Home Warranty does not offer any reimbursement for amounts exceeding the coverage caps.

Does Choice Home Warranty cover AC replacement?

Choice Home Warranty offers coverage for all components and parts of air conditioning systems. However, the contract does not extend to more than two systems below 13 SEER air conditioning systems, nor does it cover the window or portable units.

The central air conditioner should not have more than a 5-ton capacity and must not be a commercial unit. You can find more information on inclusions and exclusions in your sample user agreement.

How to cancel Choice Home Warranty?

Canceling your Choice Home Warranty policy is simple. Since the plan is activated after 30 days of purchase, you can cancel your plan with a full refund minus a $50 cancellation fee.

In case of a monthly plan, you can cancel at any time during the contract term. On the other hand, if you are under an annual contract, you need to cancel 30 days before the automatic renewal of your contract. You can send a written letter stating the cancellation of your policy along with the $50 cancellation fee to cancel your contract effectively.

Is a home inspection necessary for getting a home warranty?

It is not necessary to get a home inspection, but it's a good idea to get one all the same. Choice coverage will be available regardless. They will, however, not cover any known and unknown pre-existing conditions causing malfunctions.

Do CHW plans come with a waiting period?

Choice Home Warranty coverage starts after the application gets accepted, and this contract continues for 365 days. Coverage of equipment and systems can begin before 30 days if the home has been covered by Choice Home Warranty by another contract holder.

However, there needs to be proof that there was no lapse of coverage within 15 days of the order date being sent by the previous owner.

Does Choice Home Warranty replace appliances?

Yes, the Choice Home Warranty service contract does extend repair and replacement services to all the covered appliances. However, most home warranty companies extend replacement coverage to items that cannot be repaired.

Does Choice Home Warranty provide Roof Coverage?

Choice Home Warranty does offer coverage for roof leaks so you can get your roofs repaired at a very low cost. It is, however, an add-on option to the Basic Plan or the Total Plan.

Does the Choice home warranty cover electrical issues?

Yes, Choice Home Warranty does cover electrical issues as the plans cover the home’s electrical system. They cover most components and parts of the electrical system with a cap of $500 per year.

Choice Home Warranty REVIEWS

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Sheila Scales, East Islip, NY

On Sep 18, 2021

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We had an Excellent experience, used for the first time and was very happy. They responded quickly and fixed the problem. We are Definitely happy that we went with Choice Home Warranty.

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Denise Palumbo, Southington, OH

On Sep 17, 2021

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Awesome fast service. I called the night before and someone was out the next day. Very friendly reliable service. I recommend this Choice Home Warranty company over all others!!! Good job!!

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Colleen Trevino, Phoenix, AZ

On Sep 16, 2021

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Awesome service. Made the claim on 9/15/2021. Technician appointment was on 9/16/2021 In the morning. Technician arrived on time and finished the repair in less than 30 minutes. The technician was kind and knowledgeable and was able to fix the problem fast. ???

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david munson, Slidell, LA

On Sep 15, 2021

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choice warranty easy to claim, damaged ac unit nice people to handle my clain fast service to send ac contractors, fast repairs very pleased and how unit works fine tenets happy david munson.

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Lyndy, Dallas, TX

On Sep 11, 2021

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They don’t honor their contract, denied my claim on a 13 year old refrigerator stating it was still covered by the manufacturer, they find ways to not cover claims, I would give them 0 stars but that’s not an option, I regret selecting them during my home closing.

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CORIN TRILL, El Paso, TX

On Sep 10, 2021

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I do always can rely on Choice warranty.If they can not fix it they give you Some $ to replace it, ( in this part do not is not the full amount for a brand new, but helps to get it.)

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Mahmoud, Tampa, FL

On Sep 09, 2021

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Be aware of this company they are fake and they don't fix anything when you call them they send someone but when he looks at the appliances needs to be fixed they don't fix it n the reason it is too old or they ask for maintenance records even through when you sign up they don't ask you any questions about your appliances such as age or maintenance they tell you n lie to you that everything will be cover ..Read Full Review

Be aware of this company they are fake and they don't fix anything when you call them they send someone but when he looks at the appliances needs to be fixed they don't fix it n the reason it is too old or they ask for maintenance records even through when you sign up they don't ask you any questions about your appliances such as age or maintenance they tell you n lie to you that everything will be covered ..View less

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Eduardo Sousa, Helotes, TX

On Sep 08, 2021

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Dont waste your money with Choice Home Warranty. Our dishwasher broke, we filed a claim, and they sent a technician (we paid the $65.00 fee). We received an email from Choice to let us know that according to the technician the part needed to fix the unit was no longer available, so they offer $246.00 for us to replace and install a new dishwasher. Try buying a new dishwasher and getting it installed for ..Read Full Review

Dont waste your money with Choice Home Warranty. Our dishwasher broke, we filed a claim, and they sent a technician (we paid the $65.00 fee). We received an email from Choice to let us know that according to the technician the part needed to fix the unit was no longer available, so they offer $246.00 for us to replace and install a new dishwasher. Try buying a new dishwasher and getting it installed for that amount... In order to find a solution, our case was assigned to a couple of case managers (B******* H and L******* C). Unfortunately, the case managers were not customer service oriented as both focused on their policies and limitations instead of finding a solution for us (their customer) to make it even worse both made sure that we knew they were the highest authority in our case as they refused several times to allow us to speak to their supervisor. We are disappointed and frustrated because we trusted Choice Home Warranty, it is obvious that we can no longer trust them. E****** S. ..View less

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Greg, Edison, NJ

On Sep 08, 2021

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This company has scammed numerous people. Read on Facebook choice home warranty scams page. They have denied a plumbing claim that clearly should be covered according to their own contact. Their are numerous class action law suites from different states against them . Their main role is to deny your claim. And a appeal is a waste of your time if they even call you back.

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Ken Ellithorpe, Woodstock, GA

On Sep 07, 2021

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We've had 2 claims since moving in just over 6 weeks ago. Choice has been very responsive, and while we've had to wait for techs to respond, we've always understood the process and never felt like we were being led around by the nose, so to speak. Each claim was resolved quickly and favorably, and our home is better for the efforts made by Choice and their network of techs. Very reliable and agreeable.

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Roger Mathis, Cosby, TN

On Sep 07, 2021

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Fast response time fixed within 2 days of claim very happy with my choice of home warranty I would highly recommend to my friends an relatives great all around severice

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Roberta Denman, Greensburg, IN

On Sep 06, 2021

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It took several days for them to actually get a tech to my home. The tech was nice and handled the problem easily but waiting for AC service when our temperature was running in the 90s was not fun. Now my garage door wont shut and I put in a claim over a week ago. So I am not a happy camper right now!!!

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james bentley, Richmond, VA

On Sep 04, 2021

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They use good repair people and they follow up to make sure they have met expectations. On my last problem when the repairman took too long they replaced him right away at no cost to me.

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Donald Sterling, Augusta, GA

On Sep 04, 2021

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Help with a recent plumbing program was easy from putting in the request through to completion. Even though it was a simple fix it was a saver for a elderly person with back problems. Thanks!

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Tammy Garrett, Saint Louis, MO

On Sep 03, 2021

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I have had my washer and ac go out within the same week. Choice Home Warranty was able to get someone for the washer asap, but it did take over 24 hours to get an A/C repair company, but within 12 hours they did offer for me to find my own person and they would reimburse. The problem was it was extremely hot that past weeks, and all A/C repair people were BOOKED. They did get someone to come out withi ..Read Full Review

I have had my washer and ac go out within the same week. Choice Home Warranty was able to get someone for the washer asap, but it did take over 24 hours to get an A/C repair company, but within 12 hours they did offer for me to find my own person and they would reimburse. The problem was it was extremely hot that past weeks, and all A/C repair people were BOOKED. They did get someone to come out within 48 hours who was able to get the cold air blowing! As for my washer, it needs a new transmission, but they have approved the repair and we are awaiting the part. I understand it takes time for get parts for old machines. So far I am very happy with Choice. ..View less

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Arthur DiFebo, Lake Havasu City, AZ

On Sep 03, 2021

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I had a garage door opener problem. The door would not open. I called in for repair on Tuesday 8-31-21. Automated phone system left my message a description of my problem and I received an email stating a repair tech would be out on Thursday 9-2-21. I wasnt sure the tech would show up, but to my surprise he came out on Thursday 9-2-21 just like the email said he would and fixed my problem in nothing fl ..Read Full Review

I had a garage door opener problem. The door would not open. I called in for repair on Tuesday 8-31-21. Automated phone system left my message a description of my problem and I received an email stating a repair tech would be out on Thursday 9-2-21. I wasnt sure the tech would show up, but to my surprise he came out on Thursday 9-2-21 just like the email said he would and fixed my problem in nothing flat. A wire on the door sensor had come lose and A*** was very nice to deal with explained the wire had come lose. He fixed it and I couldnt be happier thats all it was and now it works perfectly. Thank you! ..View less

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delvin seago, Burkeville, TX

On Sep 02, 2021

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choice home warranty is a waste of money if you have any sense at all do not buy from choice home warranty their wording gets them out of paying no matter what even if the service tech says it should be covered they will not pay.they will not agree with the techs word.dont buy !!!!!!

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Warren Kakos, Davenport, FL

On Sep 01, 2021

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Our KitchenDisposal died. B*** M******* from R**** C***. showed up on time, & did an excellent job replacing the old unit. He had a new unit with him, which quickly. Bill was both professional and courteous.

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Alice Arnott, Jacksonville, FL

On Aug 31, 2021

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CHW was easy to work with when ac went down on a Saturday letting me know the status of my claim. Excellent technician came early Monday morning and was very knowledgeable and friendly. He worked his schedule around to replace entire HVAC system on Tuesday in the hot August Florida weather. I will continue to use CHW and this technician in the future.

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Julie, Debary, FL

On Aug 29, 2021

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Biggest mistake I made was to pay for a full year for this so called coverage. The stress they’ve caused me with the run around has been beyond absurd. I obtained this coverage so I could get HELP when I needed it. I feel they’re nothing short of a scam to get money and do as little as possible. They have NO BUSINESS in the “top 10” ANYTHING

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Choice Home Warranty RATINGS

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7,290 Reviews in Total

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