Choice Home Warranty and AFC Home Warranty are both home warranty providers that offer service contracts to cover the repair or replacement of your home’s major systems and appliances. Both companies cater to homeowners, contractors and real estate professionals, and both have a long record of service that includes thousands of filed claims. So how do you choose between them?
We’ve compared Choice Home Warranty and AFC Home Warranty to help you decide which company suits your needs. Take a look at their prices, plans and customer satisfaction ratings to see which one is right for you.
Choice Home Warranty vs. AFC Home Warranty cost
Your choice between these providers may come down to budget priorities. If a lower monthly payment for entry-level coverage is most important, AFC Home Warranty is the stronger choice. It also holds an advantage with a lower one-time service fee and a more affordable high-tier plan, making it the more economical option overall.
Choice Home Warranty plans and pricing
Choice Home Warranty offers two plans, but its service fee is always $100. You can get a discounted rate on either plan by paying annually instead of monthly:
- Basic plan: $560 per year
- Total plan: $660 per year
| Service fee | Basic | Total |
|---|---|---|
| $100 | $49.17 | $57.50 |
AFC Home Warranty plans and pricing
With any of AFC Home Warranty’s four plans, you can select a service fee of $75 or $125. If you’re OK paying the higher service fee when you need to file a claim, you can reduce the monthly cost of a plan by $5 or the annual cost by $50.
You can also get a discounted rate on an AFC Home Warranty plan by paying annually instead of monthly:
- Silver plan: $345 or $395 per year
- Gold plan: $445 or $495 per year
- Platinum plan: $545 or $595 per year
- Diamond plan: $745 or $795 per year
| Service fee | Silver | Gold | Platinum | Diamond |
|---|---|---|---|---|
| $75 | $35 | $45 | $55 | $75 |
| $125 | $30 | $40 | $50 | $70 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
Choice Home Warranty vs. AFC Home Warranty coverage
Your choice between these two companies may depend on the type of coverage you need upfront. AFC Home Warranty provides specialized entry-level options that cover only appliances. Choice Home Warranty, on the other hand, bundles both systems and appliances into all of its plans, which might be better if you need comprehensive protection from the start.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
Choice Home Warranty vs. AFC Home Warranty add-ons
While both companies offer common add-ons like pool and spa or well pump coverage their specialty options differ. AFC Home Warranty has a more extensive list with unique coverage for items like electronics protection and septic tank pumping. Choice Home Warranty's selection is smaller but includes central vacuum coverage.
Choice Home Warranty add-ons
You can choose to include up to 12 add-ons with any Choice Home Warranty plan. Here’s the monthly pricing for these additional coverage items:
| Optional coverage | Monthly cost |
|---|---|
| Ice maker | $2.08 |
| Second refrigerator | $3.33 |
| Stand-alone freezer | $3.33 |
| Sump pump | $3.33 |
| Central vacuum | $3.33 |
| Septic tank pumping | $5.42 |
| Roof leak repair | $5.83 |
| Well pump | $8.33 |
| Sprinkler system | $8.33 |
| Septic system | $10 |
| Pool and spa | $15 |
| Additional spa | $15 |
AFC Home Warranty add-ons
AFC Home Warranty gives you a choice of 13 add-ons. Here are the monthly costs for the most sought-after coverage items:
| Optional coverage | Monthly cost |
|---|---|
| Roof leak | $2.08 |
| Double oven | $2.08 |
| Stand-alone freezer | $2.08 |
| Hot water dispenser | $2.08 |
| Sump pump | $2.92 |
| Built-in microwave | $4.17 |
| Well pump | $4.17 |
| In-ground pool and spa | $8.33 |
| Electronics protection | $24.99 |
What do Choice Home Warranty customers say?
CHW gets high marks from reviewers for convenience and ease of use when it comes to filing a claim. Customers have also generally been happy with the technicians that came to their homes and the level of communication provided by customer service. However, unhappy customers state that coverage levels were misrepresented, and they rate customer service poorly.
It wasn't a dire emergency, but CHW still acted quickly to provide a plumber's service the next day, and I so appreciated that quick turnaround. Thanks!”
– Marcia of Lake Geneva, WI
What AFC Home Warranty customers say
Customers appreciate the efficient, friendly service of the company’s representatives. Positive reviews reflect an overall high level of satisfaction with the plans and the sign-up process. Those who are unhappy cite poor communication and repair issues that remain unresolved for long periods of time.
Rep was very knowledgeable. No pressure, articulate, and made a major shift in my home coverage smooth. Looking forward to continued level of this service.”
– Melvin of San Antonio, TX
Bottom line: Choice Home Warranty or AFC Home Warranty?
Choice Home Warranty charges a flat service fee and offers two easy-to-understand coverage plans. AFC Home Warranty offers four different plans to accommodate varying needs and budgets, but it does require a home inspection for new homeowners who want to add optional coverage after the initial waiting period.
- Choice Home Warranty is best for those looking for simple plans with traditional coverage options.
- AFC Home Warranty is best for new homeowners who want a few different coverage and cost options.
