How much does Choice Home Warranty cost?
Ashburn, VA

How much does Choice Home Warranty cost?

Ashburn, VA

How much does Choice Home Warranty cost?

$35 – $60average monthly cost
$420 – $720average annual cost
$65 – $100average service visit fee

Get free estimates for your project or view our cost guide below:

$35 – $60 average monthly cost

$420 – $720 average annual cost

$65 – $100 average service visit fee


Get free estimates for your project or view our cost guide below:
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Tara Farmer
Written by
Tara Farmer
Edited by
Tamatha Hazen
Fact-checked by
Kristen Cramer

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.

Choice Home Warranty plans and prices - chart
Choice Home Warranty plans and prices - chart
Choice Home Warranty plans and prices
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.

Get free estimates from home improvement contractors near you.

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.

Choice Home Warranty coverage and monthly cost
Plan type Average monthly cost Coverage details
Basic Plan $35 – $45
  • Heating system
  • Electrical system
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Oven / range / stove
  • Cooktop
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans
Total Plan $50 –$60

All of the above, plus:

  • Air conditioning system
  • Clothes washer
  • Clothes dryer
  • Refrigerator
Optional coverage $4 – $15 each
  • Central vacuum
  • Limited roof leak
  • Pool / spa
  • Second refrigerator
  • Septic system
  • Septic tank pumping
  • Stand-alone freezer
  • Sump pump
  • Well pump

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

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.

Happy couple standing in front of their new home
Happy couple standing in front of their new home

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.

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Choice Home Warranty pros & cons
Pros Cons
  • Budget-friendly premiums
  • No home inspection required for coverage
  • Comprehensive coverage in the Basic Plan
  • 60-day guarantee on repair work
  • Service requests processed within 4 hours
  • Subject to a pending class-action lawsuit
  • Several past lawsuits alleging misleading customers, with one settled for $780,000.
  • Limited add-on options
  • Not available in Washington
  • Must use a CHW network service provider

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.

Choice Home Warranty vs. other companies
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:

  1. You can submit a claim 24/7/365 online, by phone, or using their mobile app whenever a covered appliance or home system breaks.

  2. 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.

  3. 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?

Get free estimates from home improvement contractors near you.

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?