Choice Home Warranty Review (2022)

small white house
Learn more about Choice Home Warranty and its coverage, costs and plans in this comprehensive review. Is it right for you? (Adobe Stock, © Brett)

As someone reading a review of Choice Home Warranty, you’re probably looking for a top home warranty provider that gives you the coverage you need at the most affordable price. Keep reading to learn more about our research approach and why we recommend Choice Home Warranty.

In This Article:

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

Choice Home Warranty Overview

Founded in 2008, Choice Home Warranty is an established company in the home warranty industry that covers more than one million homes across the country. The provider offers plans in 48 states (excluding Washington and California).

Choice doesn’t require a home inspection before coverage starts, has top-of-the-line customer service, and a large network of contractors in every state it operates in.

Pros & Cons of Choice Home Warranty

✔ Affordable plans
✔ Home inspections aren’t required
✔ Free repairs within 90 days if an item breaks down after a repair
✘ Doesn’t allow customers to choose their own technician
✘ Doesn’t allow customers to customize their plans

Choice Home Warranty Plans & Coverage

Like the vast majority of home warranty companies, Choice Home Warranty offers different levels of coverage. The Basic Plan covers the following major appliances and home systems. The Total Plan covers everything in the Basic Plan plus some key additions. 

This provider also offers a number of add-on options so you can personalize your plan to fit your needs: Second refrigerators, well pumps, sump pumps, central vacuums, pools/spas, limited roof leaks, stand-alone freezers, septic tank plumbing, septic systems

 Basic PlanTotal Plan
Oven, stove and cooktop
Built-in microwave
Heating system
Water heater
Plumbing system
Plumbing stoppage
Electrical system
Exhaust and ceiling fans
Whirlpool bathtub
Garage door opener
Garbage disposal
Air conditioning  
Clothes washer and dryer  

Choice Home Warranty Cost

One of the biggest selling points for Choice Home Warranty is its straightforward pricing. Their service fees can go as low as $60, according to countless customer reviews praising Choice’s claims process. However, the company’s sample contract specifies that a service fee can be as high as $85.

Our team got a sample quote directly from Choice Home Warranty for an address in Georgia, ZIP code 30097, and we received the following pricing details:

 Monthly PremiumService Fee
Basic Plan$41.25$60-$85
Total Plan$50.00$60-$85

Filing a Claim with Choice Home Warranty

You can file a claim with Choice Home Warranty by visiting the online account center or calling the company. The call center and online account center are available 24/7, 365 days a year. When you file a claim, you will be required to pay a service call fee to the technician who comes to your home.

Our Verdict On Choice Home Warranty

Ultimately, we recommend Choice Home Warranty as the best provider for aging homes. This provider offers a flexible plan and add-on options, as well as reasonable prices.

Choice Home Warranty provides comprehensive coverage with reasonable prices in the industry, with no bells and whistles to distract consumers like you from knowing what you need from your home warranty plan.

Our Recommended Provider: American Home Shield

Although we found Choice Home Warranty to be a great option, our top pick is American Home Shield. This company offers a variety of plan options and flexible service fees, allowing you to customize coverage.

Below are some of our highlights of American Home Shield:

  • Three plan options: You can choose between the ShieldSilver Plan, ShieldGold, and ShieldPlatinum Plan with increasing levels of coverage.
  • Trusted brand: This provider has been in business since 1971, which is longer than most companies in the home warranty industry.
  • Widespread availability: American Home Shield serves customers in 49 states, which is more than most home warranty companies.

Frequently Asked Questions About Choice Home Warranty

How much does a home warranty cost?

The total cost you pay for your home warranty service contract will depend on the home warranty provider. However, there are three primary prices you want to look for that will give you a realistic idea of just how much you will be paying out of pocket.

  • Yearly/monthly premium
  • Service fees
  • Your add-on coverage needs

How does a home warranty differ from homeowners insurance?

A home warranty covers your home’s appliances and systems when they need repair or replacement due to normal wear and tear. Homeowners insurance, on the other hand, covers the damage to your home due to events such as natural disasters, theft or fire.

What’s the difference between a manufacturer’s warranty and a home warranty?

A home warranty covers your major appliances and systems in one comprehensive package, while a manufacturer’s warranty covers only one. In addition, a manufacturer’s warranty typically expires one year after purchase, while a home warranty can be automatically renewed for as long as you own your home.

What if the technician sent to my home can’t repair my appliance or system?

If the covered item can’t be repaired for less than it costs to replace it, your home warranty will cover the cost of replacement, up to the coverage cap for the serviced item.

Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.