Choice Home Warranty Review (Costs & Coverage in 2023)

Choice Home Warranty (CHW) is a home warranty provider that serves more than 1,650,000 homes across the U.S. This company is among the more experienced in the industry, having processed more than 5 million service requests since its inception in 2009.

The company has a vast service network made up of more than 25,000 contractors, and each service provider has knowledgeable technicians ready to come to your aid should one of your major home systems break down.

Using our jump link table of contents to find what you’re most interested in for this review on Choice Home Warranty.

Jump To:

  1. Our Review of Choice Home Warranty
  2. Plans, Costs & Coverage
  3. Add-Ons, Exclusions & Coverage Limits
  4. Customer Reviews
  5. CHW vs Other Providers
  6. How to File a Claim with CHQ
  7. FAQ

Our Review of Choice Home Warranty

Score: 74 / 100 points

A home warranty can offer reassurance and peace of mind in helping protect you against unforeseen repairs and expenses. To help you make the most informed home warranty decision possible, our experts at Today’s Homeowner have thoroughly researched top providers like Choice Home Warranty to give you an in-depth review of its coverage and services. 

To add to our review of Choice Home Warranty, we analyzed six different categories and gave the company a total score out of 100. The graph below provides an overview of Choice Home Warranty’s ratings, and we cover more details about each category in the following sections.

We explain our review methodology and what we look for below.

choice home warranty review scoring
choice home warranty pros and cons

Plans and Coverage of Choice Home Warranty

Score: 18.5 / 24 points 

Pros

Choice Home Warranty offers two plan options for homeowners: the Total Plan and the Basic Plan. While the Basic Plan covers most systems and appliances — except your A/C unit, refrigerator, washer and dryer — the Total Plan offers coverage for nearly everything you need with a home warranty.

Cons

Choice Home Warranty does not offer as many coverage add-on options as some of our other providers. However, it does offer coverage for additional systems you may want in your home, such as a pool, spa or central vacuum.

We go into more detail on Choice Home Warranty’s plans and coverage below.

Affordability of Choice Home Warranty

Score: 20.5 / 22.5 points 

Pros

Affordability is one of the categories in which Choice Home Warranty scores the best. Both of the company’s warranty plans are affordable, costing less than $60 per month. Customers can also add additional services and systems to the Basic Plan for less than $15 per unit, which is one of the most affordable add-on options we’ve found with any home warranty provider.

Additionally, Choice Home Warranty will always charge you the same $85 service call fee if you need a technician to come to your home for a repair. 

You can also cancel your warranty within 30 days if you are not satisfied with the service. 

Cons

Choice Home Warranty’s $85 service fee is not the cheapest option among our home warranty providers. But while other providers offer a tiered fee, Choice Home Warranty’s set rate ensures you will not have any unexpected financial surprises if a repair is needed. 

We go into more detail on the cost of Choice Home Warranty below.


Home Warranty Resources


Customer Experience of Choice Home Warranty

Score: 14.5 / 18.5 points

Pros 

Choice Home Warranty scores well in the customer experience category because of its 24/7 customer support and accessibility of representatives. The company also earned points due to its short 30-day waiting period, 60-day workmanship guarantee and 90-day parts guarantee.

It’s easy to get a quote from Choice Home Warranty online. Once you submit your information on the company’s website, you will be taken to a quote page where you can see your coverage options. You can also expect company representatives to call after you submit a quote request. In our reviewer’s experience, representatives are very helpful and offer further discounts on your home warranty plan. The company also lets you view a sample contract online, so you have a better idea of the total cost before purchasing your warranty. 

Cons

While Choice Home Warranty’s online quote is not overly detailed, you can at least see what each plan covers. However, you can not immediately compare costs like you can with other home warranty providers. You’ll instead need to go to the checkout page to see your total home warranty cost. 

Company Reputation of Choice Home Warranty 

Score: 6.5 / 17.5 points

Pros

While Choice Home Warranty’s weakest category is reputation, the company has a 4.7-star rating on Glassdoor, indicating that employees like working there. Current and former employees report fair pay and good working conditions. A company is only as good as the well-being of its employees, so this is a good indicator of the company’s values and work culture.

Cons

Not only does Choice Home Warranty have a D+ rating with the Better Business Bureau (BBB), but the company’s rating on Google Reviews is only 1.1 stars. 

The BBB also points to lawsuits involving Choice Home Warranty that are currently under investigation, including a case filed by the Arizona Attorney General in 2019. Some customers claim that Choice Home Warranty is a fraudulent company that makes false promises to customers. 

We’ve included some customer reviews of Choice Home Warranty from the BBB below.

Claims Process of Choice Home Warranty

Score: 9 / 12.5 points

Pros

Choice Home Warranty offers several ways to file a claim if a covered item breaks or malfunctions in your home, including online or by phone. The company also offers 24/7 customer support, 365 days a year. 

Many Choice Home Warranty customers report a fast and effective claims process, with repairs successfully completed by knowledgeable technicians. However, other customers state the opposite experience, reporting long wait and repair times. 

Cons

In its sample service contract, Choice Home Warranty states that a service provider should get back to you within four hours of filing a claim. However, depending on the provider, it can take up to 48 hours.

As mentioned above, some customers also complain about how Choice Home Warranty handles claims, including long response times, unexpected charges and unresolved repairs. 

We’ve included a step-by-step outline of Choice Home Warranty’s claims process below.

Availability of Choice Home Warranty

Score: 5 / 5 points

Pros

Choice Home Warranty — based in Edison, New Jersey — is available in 48 states and excludes only Washington and California. Since Choice Home Warranty is available throughout most of the U.S., it performs well and receives full marks in this category.

Cons

Due to service exclusions, homeowners in Washington and California can not purchase Choice Home Warranty coverage. 

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.

choice home warranty coverage map

Choice Home Warranty Plans, Costs and Coverage 

This provider offers two home warranty plan options to cover your major systems and appliances. The cost of each plan is low compared to other home warranty providers on our top lists. With a monthly rate of less than $55, Choice Home Warranty offers some of the most affordable home warranty options.

Basic PlanTotal Plan
$46.83/mo$54.75/mo
These rates do not include coverage add-ons or service fees. Choice Home Warranty charges a standard service fee of $85 each time service technicians are sent to your home.

Both plans cover multiple home systems and appliances — the Total Plan covers 18 systems and appliances in your home, whereas the Basic Plan covers 14 under its monthly premium. 

The chart below outlines in more detail the systems and appliances covered by each home warranty plan.

Basic PlanTotal Plan
Heating and Cooling
Air ConditionerX
Heating Unit
Ductwork
Electrical Systems
Built-in Exhaust, Vent & Attic Fan
Main Breaker & Fuse Panel Box
Doorbell & Chimes
Interior Electrical Lines
Ceiling Fan
Garage Door Opener
Plumbing Systems & Accessories
Water Heater
Interior Plumbing Lines
Toilets
Faucets & Valves
Whirlpool Bathtub Motor & Components
Kitchen Appliances
RefrigeratorsX
Ranges/Cooktops
Ovens
Dishwashers
Built-in Microwaves
Garbage Disposal
Instant Hot/Cold Water DispenserXX
Laundry Appliances
WashersX
DryersX
Roof
Roof Leak RepairAdd-onAdd-on

What Optional Add-ons Does Choice Home Warranty Offer?

While the Total Plan covers most essential home systems and appliances, it does not cover every option. If you have an exclusive system such as a pool, spa or central vacuum, you will have to purchase add-on coverage to your Choice Home Warranty service agreement. 

The good news is Choice Home Warranty’s add-ons are among the cheapest of all home warranty providers. The price per month for this optional coverage can be found in the table below.

Add-onCost per Month
Pool$15
Spa$15
Additional Spa$15
Limited Roof Leak$5.83
Central Vacuum$3.33
Second Refrigerator $3.33
Septic System$10
Septic Tank Pumping$5.42
Well Pump$8.33
Sump Pump$3.33
Stand Alone Freezer$3.33
Sprinkler System$8.33

Does Choice Home Warranty Have Any Exclusions?

As with all home warranty providers, Choice Home Warranty does have limitations to its home appliance coverage. 

In its sample contract online, the company lists several home appliances that have complete coverage, including:

  • Clothes dryer
  • Clothes washer
  • Built-in microwave
  • Oven/range/cooktop
  • Dishwasher
  • Garbage disposal
  • Refrigerator (except audio/visual equipment and WiFi components) 
  • Ceiling fan

Other home systems and appliances — like your water heater, HVAC, electrical system and plumbing system — have some limitations. However, you can count on coverage for most major system parts. Below, we outline which parts are excluded from Choice Home Warranty coverage. 

  • Water heater: Excludes fuel tanks, vents, flues, thermal expansion tanks, energy management systems, units over 75 gallons and secondary holding tanks
  • HVAC: Excludes window units, outside/underground pipes, fuel storage tanks, portable units, refrigerant line sets, fuel storage tanks, clogged ductwork and well pumps
  • Electrical system: Excludes circuit overload, face plates, solar panel systems, generators and energy management systems
  • Plumbing system: Excludes stoppages caused by broken drain outside home’s main foundation, bathtubs, sinks, showers, shower base pan/enclosure, toilet lid and seat, jets, caulking, septic tanks, water filtration systems, holding or storage tanks and saunas
  • Garage door opener: Excludes garage door and door track assemblies

Does Choice Home Warranty Have Any Coverage Limits?

Choice Home Warranty limits coverage to $3,000 per item within your contract. So if it costs $2,700 to repair your air conditioning system or bathroom exhaust fan, you will still have $3,000 for repairs to your dishwasher or other covered appliances.

However, the coverage limits for add-ons may differ from the home systems and appliances covered under your base warranty plan. Pools, spas, central vacuum, sump pumps and stand-alone freezers do not have limited coverage, but the items listed below do have different coverage limits.

Home ApplianceCoverage Limit
Well PumpUp to $500
Limited Roof LeakUp to $500
Septic Tank PumpingUp to $250
Septic SystemUp to $500
Sprinkler SystemUp to $500
Stand Alone Ice MakerUp to $500
Trash CompactorUp to $500

Choice Home Warranty Customer Reviews

Choice Home Warranty has a D+ with from the BBB, which we do not consider a good rating. So that you better understand why Choice Home Warranty has received this rating, we’ve included both positive and negative reviews from customers below.

Positive Reviews of Choice Home Warranty

Some customers report positive experiences with Choice Home Warranty, noting fast response and repair times and professional customer service. 

Great experience, [and a] great and honest company. I’ve never had any problems or issues with them. Extremely fast to resolve your issues. Top-notch company. My family and friends will never use another company. My A/C was repaired within 48 hours by a top company. Later my garbage disposal was replaced in 24 hours with a top-of-the-line product. I signed with them on Dec. 29, 2021, and I have had two different claims. They took care of [it] immediately, no questions asked.

— Alfred R., 07/14/2022

I have used their service twice, and both times [was] totally satisfied. Really nice and professional service from my first call to completion.

— Carol N., 02/08/2022

Negative Reviews of Choice Home Warranty

Other customers report negative experiences with Choice Home Warranty services, which include poor customer service, unexpected charges for repairs and long wait times or unresolved claims.

If I could give ZERO stars I would. HORRIBLE customer service, deceiving sales representatives. They lie to get you to purchase and then your claims will be denied. They argue with you nonstop and are just rude. They had a technician come out to my house, perform work and then deny my claim. Now I am stuck with the bill. I called to cancel my service and they refused to refund me the prorated rate of my insurance plan. It’s not much but it’s the principle. I am livid for even giving them a chance to provide service. Please read the reviews and believe them. They are a scam company!

— Sarah M, 12/01/2022

This company is horrible. Twenty days and counting for them to get a reputable plumber company to come out and repair a leaky pipe. Choice Home Warranty hires the worst contractors as well. We finally got a contractor to come out on Nov. 18 all he did was take pictures of the problem, then he said since it’s close to the holiday, he won’t be able to [make] any repairs. He was scheduled to come back to do the repair on the 30th, [but] never showed up. Told Choice Home Warranty I want a new company [but] they refuse. They are rescheduled to come out now on Dec. 6. The company doesn’t care about you or your problems. Do not buy a warranty from Choice Home Warranty, you will be stressed out even more dealing with them.

— Robert G., 12/02/2022

Choice Home Warranty vs Other Home Warranty Companies

To help you decide which home warranty provider is best for you, we directly compared Choice Home Warranty to see how it ranks against other top providers. 

ProviderBest ForMonthly CostService FeeBBB RatingYears in Business
Choice Home WarrantyValue$46.83 -$54.75 $85.00D+13
Liberty Home GuardMost Customizable$49.99 – $69.99+$65.00 – $125.00A –5
American Home ShieldFirst-time Homeowners$49.99 – $99.99+$75.00 – $125.00B51
Select Home WarrantyMost Affordable Service Fee$60.42 – $63.75+$60.00 – $75.00B-10
AFC Home ClubMost Added Benefits$30.00 – $50.00+ $75.00 – $125.00B13
2-10 Home WarrantyKitchen Appliances$17.00 – $60.00+$65 – $100B39

How to File a Claim With Choice Home Warranty

To file a claim with Choice Home Warranty, you can either go online and submit a request or call the company’s 24/7 home service line. Submit your claim as soon as your home system or appliances malfunctions by following these instructions:

choice home warranty claims process

Keep in mind that you must submit a service request as soon as you notice that your home system or appliance has malfunctioned. Choice Home Warranty does not provide reimbursement for home repairs done without prior approval.

FAQ: Choice Home Warranty

Is Choice Home Warranty legitimate?

Choice Home Warranty is a legitimate home warranty provider that will connect you to service technicians and help cover the cost should something break down in your home. Many Choice Home Warranty customers report positive experiences with the company, but others have had some issues with coverage.

Does Choice Home Warranty cover pre-existing conditions?

Choice Home Warranty does not cover pre-existing conditions, which are issues discovered before your warranty purchase. You need to wait at least 30 days from when you purchase your warranty before filing a claim.

Does Choice Home Warranty cover roof leaks?

Choice Home Warranty will cover roof leaks for an additional monthly cost. This add-on coverage will cover up to $500 in roof leak damage.

Does Choice Home Warranty require a home inspection?

Choice Home Warranty does not require a home inspection. All you have to do is get a free quote, purchase your warranty and wait the 30-day waiting period.

How do Choice Home Warranty home warranties work?

First, you should request and receive a free quote from Choice Home Warranty, then you can purchase a plan. After the 30-day waiting period, you can submit claims for your covered home systems or appliances. Once a claim is submitted, the company will send a service provider to your home to assess any damage and repair or replace your system or appliance. 

Do I need Choice Home Warranty coverage if I have homeowners insurance?

While homeowners insurance is required to own your home, home warranties are optional. Home insurance covers damage and loss of property, whereas a home warranty covers the cost to fix home systems and appliances should they fail.

How do you cancel a Choice Home Warranty policy?

If you want to cancel your home warranty plan, call the company’s 24/7 customer service line and a representative will talk you through your options.

How We Evaluated American Home Shield Against Our Review Criteria

To help consumers like you choose the best home warranty companies for your home, we dive deep into every top-rated home warranty company and rate them based on six factors. Once we research a company and have gathered all our data, we use the following scoring system to grade each home warranty company on a 100-point scale. We then convert the score to a 5-star rating. 

choice home warranty review methodology
  • Plans + Coverage Options (24 Possible Points): Since every customer has different needs and a different budget, we award more points to providers that offer more plans and greater flexibility. Choice Home Warranty offers two great plans at an excellent price and has some of the cheapest add-on options, so it does well in this category.
  • Affordability (22.5 Possible Points): Affordability is an important factor because many homeowners choose home warranties to avoid high payments for home appliance repairs. We evaluate each company based on the cost of its plans and additional services, service call fees and cancellation terms. Choice Home Warranty earned high marks in this category because it has some of the best prices of our top home warranty companies.
  • Customer Experience (18.5 Possible Points): Your experience as a customer is important, including the support you receive when contacting your home warranty provider. We gauge overall support by looking at customer reviews, conducting homeowner surveys and analyzing the quotes process. Choice Home Warranty scores well in this category due to its 24/7 customer support, friendly and accessible representatives and straightforward quote process.
  • Company Reputation (17.5 Possible Points): A company’s reputation is a combination of reviews from customers and reputable organizations like the BBB. We also take into account the years of experience a company has, how satisfied its employees are and any past or pending lawsuits. Choice Home Warranty does not score well in this category because it has a D+ rating with the BBB and is currently under legal investigation.
  • Claims Process (12.5 Possible Points): In this category, we look at the overall claims process, including how easy it is to file a claim and a company’s response time. While Choice Home Warranty offers multiple ways to file a claim and round-the-clock customer service, customer reviews are mixed in terms of the quality of the claims process.
  • Availability (5 points): Availability refers to how many states and locations a company serves. Choice Home Warranty offers comprehensive coverage throughout most of the U.S., so it does well in this category.

Reviews of Other Home Warranties

2-10 Home Buyers WarrantyAllied Home WarrantyAmazon Home Warranty
America’s Preferred Home WarrantyAmerican Home ShieldAmerican Residential Warranty
AWG Home Warranty DivisionChoice Home WarrantyCostco Home Warranty
Fidelity National Home WarrantyFirst American Home WarrantyFixd Home Warranty
Freedom Home WarrantyHMS Home WarrantyHome Service Club
Homeguard Home WarrantyHSA Home WarrantyHWA Home Warranty
Landmark Home WarrantyOneguard Home WarrantyPivotal Home Solutions
Pride Home WarrantyA.B. May Home WarrantyGlobal Home USA Home Warranty
Secure Home WarrantySelect Home WarrantySuper Home Warranty
Bosch Dishwasher WarrantyLennox AC WarrantySamsung Washer Warranty
Squaretrade Appliance WarrantyWhirlpool WarrantyHomeServe
Cinch Home ServicesLiberty Home Guard