How much does Choice Home Warranty cost?
How much does Choice Home Warranty cost?
$35 – $60 average monthly cost
$420 – $720 average annual cost
$65 – $100 average service visit fee
Choice Home Warranty prices
Choice Home Warranty prices range from $420 to $720 per year or $35 to $60 per month on average. The cost of a Choice Home Warranty depends on your state, plan, and if you add optional coverage. The Basic Choice Home Warranty plan costs $35 to $45 monthly and covers major appliances and systems.
| Plan level | Average annual cost* | Coverage details |
|---|---|---|
| Basic Plan | $420 – $540 | Covers 14 appliances and heating, electrical, and plumbing systems |
| Total Plan | $600 – $720 | Covers everything in the Basic Plan, plus air conditioning systems, refrigerator, and clothes washers/dryers |
*Not including service call fees or optional add-on coverage.
Founded in 2008, Choice Home Warranty (CHW) is headquartered in Edison, New Jersey, with plans available in every state except Washington. They offer California home warranties through their partner company, Home Service Club of California.
You can submit a claim to CHW online, by phone, or with their mobile app (iPhone or Android).
Choice Home Warranty service fee
Choice Home Warranty charges a standard service call fee of $100 per claim, which is payable directly to the technician regardless of the actual repair or replacement cost for a covered item.
The service fee may be lower depending on available discounts. Customer reports indicate the company often reduces the fee to as low as $65 per claim. Discounted service call fees may increase to $100 per claim when renewing your warranty.
Discounts
Choice Home Warranty typically offers new-customer discounts, such as their current promotion of $50 off and 1 month free when you pay for the full year up front. They also offer multiple-year discounts that can significantly reduce your monthly premium.
What does Choice Home Warranty cover?
Choice Home Warranty offers two plans, along with some optional add-ons to customize your coverage. The Basic Plan covers most major appliances and systems. The Total Plan includes the Basic Plan coverage and adds the AC system and additional appliances.
| Plan type | Average monthly cost | Coverage details |
|---|---|---|
| Basic Plan | $35 – $45 |
|
| Total Plan | $50 –$60 |
All of the above, plus:
|
| Optional coverage | $4 – $15 each |
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Since the typical appliance repair costs $100 to $400 on average, a home warranty nearly pays for itself with just one claim.
Coverage limits
Choice Home Warranty allows up to $3,000 per year for each covered item. This cap is more than enough for some repairs and replacements but may fall short for others, especially if you have high-efficiency or feature-rich appliances and systems.
CHW sets lower limits for certain repairs with caps on septic tank pumping set at $250, and the following items at $500 each:
Limited roof leak (single-family homes only)
Septic system components
Sprinkler system
Stand-alone icemaker
Trash compactor
Well pump
Coverage options and maximum allowances may vary depending on your location and whether you're purchasing a plan for your existing home or as part of a real estate transaction.
Exclusions
All covered items and systems must be in proper working order when a Choice Home Warranty contract begins. Here are some situations that Choice Home Warranty does not cover:
Known or undetected pre-existing conditions
Damage due to lack of maintenance, improper installation, incompatible systems, or incorrectly sized systems
Secondary damage that results from the breakdown of a covered item or system
Cosmetic damage or factory defects
Additionally, most covered items and systems come with a set of exclusions, sometimes quite lengthy. For example, water heater coverage excludes fuel tanks, secondary storage tanks, vents, flues, thermal expansion tanks, energy management systems, and units over 75 gallons.
Always read the fine print to understand exactly what the home warranty does and does not cover. Make sure you know the exclusions before purchasing coverage.
Choice Home Warranty reviews
Is Choice Home Warranty any good? The jury is still out, and reviews are mixed. Satisfied customers note claims are easy to file, while others report they're often denied due to the company's many exclusions. CHW has also been involved in several legal battles alleging deceptive and misleading advertising.
Despite its legal issues, CHW's rating on the Better Business Bureau (BBB) website has steadily improved—from a D in 2022, C in 2023, to a B rating in 2024. Customer complaints over the last 3 years total over 11,700, but the company appears to be actively working to respond to complaints quickly.
Choice Home Warranty pros and cons
Choice Home Warranty offers a good mix of appliance and system coverage in its low-cost, basic plan. Though you can't choose your technician, the company has over 15,000 contractors and guarantees the work for 30 days. Still, their ongoing legal issues are concerning.
| Pros | Cons |
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Choice Home Warranty vs. other companies
Choice Home Warranty's pricing is low compared to some competitors' home warranty costs. The table below shows the average prices for several popular home warranty companies. They each have varying options and limitations, so always research more than just the price to find the plan that best fits your needs.
| Company | Average monthly cost | Average service fee per visit |
|---|---|---|
| Choice Home Warranty cost | $45 – $55 | $65 – $100 |
| American Home Shield cost | $40 – $90 | $75 – $125 |
| America's 1st Choice Home Club (AFC) | $45 – $65 | $75 – $125 |
| Cinch Home Services | $35 – $65 | $100 – $150 |
| First American Home Warranty cost | $45 – $65 | $75 – $125 |
| Home Warranty of America (HWA) | $45 – $60 | $75 – $100 |
| Liberty Home Guard | $50 – $85 | $75 – $125 |
| Select Home Warranty | $40 – $65 | $75 – $100 |
FAQs about Choice Home Warranty
How does Choice Home Warranty work?
Choice Home Warranty coverage begins 30 days after they receive payment, or sometimes sooner if you provide proof of prior warranty coverage with no lapse. Once coverage begins:
You can submit a claim 24/7/365 online, by phone, or using their mobile app whenever a covered appliance or home system breaks.
CHW contacts their chosen service provider within 4 hours of your claim submission, but it may take up to 48 hours for the provider to accept, after which CHW provides you the technician's contact information and an appointment time.
You pay the service fee outlined in your contract each time you request service. If the repair fails within 30 days, the company corrects the issue without requiring another service fee.
How long does a Choice Home Warranty plan last?
A standard Choice Home Warranty contract lasts one year, but the company often offers additional discounts when you purchase multiple years at once.
Do I need a home warranty if I have homeowners insurance?
Home warranties and homeowners insurance cover different things. Homeowners insurance covers damage due to hazards like extreme weather, fire, theft, or vandalism, but it does not cover damage to appliances or systems due to normal wear and tear. Home warranties are designed to fill that gap.
How do I cancel my Choice Home Warranty?
You can cancel your Choice Home Warranty plan at any time by contacting their customer service department. However, CHW contracts have a long list of state-specific provisions. Check your contract terms and conditions to confirm how they handle cancellations in your area.
In most states, you'll receive a full refund minus any service costs incurred by CHW (where the law permits) if you cancel in the first 30 days.
If you cancel after 30 days, you receive a prorated refund based on the remaining amount of your contract term, minus any service costs and a $50 cancellation fee (or the amount the law permits your state).
How to save on a Choice Home Warranty
Read the Choice Home Warranty contract terms and confirm the following important details before purchasing a plan:
Service visit fee and coverage allowance for each repair
Annual coverage caps per category and total allowance per year
All covered appliances and systems, and any associated exclusions
Systems and appliances the policy does not cover
Available add-on coverage options and prices
Conditions that could void the warranty coverage
Limits on the number of service calls per month or year
The ease of the claims and renewal processes
Questions to ask
Ask these important questions to find the Choice Home Warranty plan that best suits your needs:
What does this warranty plan cover?
Which types of repairs are not covered by this plan?
Do you offer optional coverage for appliances or systems not covered by the standard plan?
Do you offer additional coverage options for higher coverage allowances?
How much is the service call fee, and when does it apply?
Is there a limit on the number of service visits or claims?
What is the annual coverage limit?
Are you offering any discounts or running any promotions right now?
Will the plan cost less if I pay up front for the full year?
When does coverage begin, and how do I request service?
Can I choose my own service technician?
Are there any other perks or benefits in this plan?
What sets your warranty apart from the rest?
Using our proprietary cost database, in-depth research, and collaboration with industry experts, we deliver accurate, up-to-date pricing and insights you can trust, every time.