Choice Home Warranty Review

Choice Home Warranty is an established company that offers affordable home warranty solutions. It provides two primary types of plans and enables you to customize your policy through numerous add-ons. Continue reading this review to learn about its pros and cons and other helpful information.

Affordability is a common reason customers choose this company, with typical plans between $46 and $55 per month, covering most home appliances and systems. You'll pay an $85 service fee for repairs on a covered system when using the service contract, and you can add coverage for items not included in your selected plan.

Choice Home Warranty Pros and Cons

Pros explained

There are multiple benefits to choosing a Choice Home Warranty plan.

Critical appliances and systems covered under the Basic Plan

The company's Basic Plan covers 14 home appliances and systems, including water heaters and garbage disposals.

Offers comprehensive plans at affordable monthly prices

Aside from its home warranty plans' affordability when compared to competitor pricing, CHW also gives you the option of paying the fees annually or monthly.

$3,000 coverage limit per covered item (with the exception of add-ons)

One highlight of CHW plans is that they come with a $3,000 coverage limit. This amount includes accessing the system, diagnosing the problem, and buying the parts. It also includes repairs or replacements.

Cons explained

In addition to the benefits, you'll also find a few drawbacks to this home warranty provider.

Homeowners can't choose their own service technician

As is fairly common in the industry, Choice Home Warranty restricts your service technician to one of the 15,000 contractors in its network for you.

Leak coverage limited to $500

Roof coverage is typically an add-on, with companies usually placing caps between $400 and $1,000. At $500, Choice’s Basic Plan limited roof leak cap is inline with the industry standard, but on its lower end.

Few add-on coverage options available

While CHW lets you add coverage for certain systems, there are also some exclusions and fewer add-ons than other companies we reviewed. For example, it doesn't provide coverage for central vacuum ductwork, portable sump pumps, pool accessories or fireplaces.

Choice Home Warranty Plans

Choice Home Warranty plans offers two main plans, with varying coverage:

Basic Plan

The Choice Home Warranty Basic Plan covers 14 primary home appliances and systems:

• Heating system
• Electrical system
• Plumbing stoppage
• Water heater
• Plumbing system
• Dishwasher
• Whirlpool bathtub
• Oven/range/stove
• Garbage disposal
• Cooktop
• Ductwork
• Built-in microwave
• Garage door opener
• Ceiling and exhaust fans

Since your Choice Home Warranty Basic Plan will cover these items, you can file a claim if any of these systems breaks or stops working. Choice Home Warranty will send a service provider to fix or replace the item, and you'll only pay the Choice Home Warranty service fee for the parts and labor.

Total Plan

The Choice Home Warranty Total Plan includes everything in the Basic Plan but also provides coverage for additional items:

• Refrigerator
• Air conditioning system
• Clothes washer
• Clothes dryer

You can add these systems to your plan for about an additional $10 per month.

Optional add-ons

To protect additional items or home systems, you must first choose your plan. You can add optional items to either plan, including:

• In-ground pool or spa
• Well pump
• Central vacuum system (basic components)
• Septic system
• Septic tank pumping
• Sump pump
• Second refrigerator
• Stand alone freezer
• Limited roof leakage

The best home warranty companies provide various options, enabling you to customize your plan to suit your unique needs. If you want to fully protect your home, consider the Total Plan with the appropriate add-ons.

Choice Home Warranty pricing

Choice Home Warranty pricing varies by the plan you choose. The Basic Plan starts at $46.67 monthly or $560 annually. Upgrading to the Total Plan starts at $55 monthly or $660 annually.

Of course, adding extra coverage to either plan increases the cost. The actual amounts vary by system type. Choice Home Warranty also charges a $2.50 fee when paying monthly versus annually. Each time you file a claim and receive services, CHW charges a service fee of $85 per home visit.

These prices aren't the cheapest or most expensive, but rather, they fall somewhere in the middle. The average cost of a home warranty is $600 annually, but some companies charge up to $1,425. Instead of only looking at prices, we’d recommend you balance cost with coverage to determine which company and plan are the best for your situation.

Choice Home Warranty Financial Stability

Before making a final decision, you should also research the company's financial stability. Unfortunately, some leading financial rating agencies, including AM Best and S&P Global Ratings, haven't yet reviewed Choice Home Warranty.

Choice Home Warranty generates an annual revenue of approximately $144.3 million. It has handled over 4 million service requests and provides coverage for more than 1 million homes.

Choice Home Warranty Accessibility

Choice Home Warranty provides numerous ways to contact support and offers service contracts in most areas.

Availability

Choice Home warranties are available in every state except Washington. In addition, Home Service Club of California recently partnered with Choice Home Warranty, offering a means for California residents to purchase CHW home warranties through them.

Contact information

Choice Home Warranty's headquarters is in Edison, New Jersey. You can contact Choice Home Warranty sales and customer support through its website or by phone at 800-816-2688, with customer service available 24/7 by phone. To submit or follow up on a claim, call 888-373-7924.

To request a free quote, you can fill out a form on the company's website or call 800-495-6090.

User experience

Choice Home Warranty offers customers multiple contact methods. You can call or fill out a form to contact support. The company also offers a mobile app for iPhones and Android devices. You can use the app to view your current plan, submit a claim, request a quote and renew your contract.

Choice Home Warranty Customer Satisfaction

Choice Home Warranty isn't rated by the Better Business Bureau and 1.04 stars out of 5 based on around 4,690 customer reviews.

The company's negative reviews center around claims that Choice Home Warranty doesn't honor coverage for home appliances and systems included in their plans.

While reading the Choice Home Warranty reviews, we found one current lawsuit that was filed in 2019 that is still pending in Arizona. It states that consumers experienced problems with Choice Home Warranty claims, alleging that Choice Home Warranty didn't cover all repair costs stated in their service contracts.

How We Evaluated Choice Home Warranty

When reviewing Choice Home Warranty, we examined customer reviews and agency ratings. We also reviewed the plans Choice Home Warranty offers, how its warranties work and its pricing model.

Summary of Money's Choice Home Warranty review

We found that this company offers affordable home warranty plans that cover most typical household appliances and systems.

Choice Home Warranty provides excellent customer service but may not always honor claims according to its consumer contract. Overall, this company offers a fair product for a good price.