Choice Home Warranty and Fidelity National Home Warranty are two popular home warranty providers. We’re comparing these two companies in terms of coverage, price and customer reviews to give you a chance to see which one is right for you.
Choice Home Warranty vs. Fidelity National 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, Choice Home Warranty is the stronger choice. However, for those who want to minimize the one-time service fee for a technician's visit or need a more affordable high-tier plan, Fidelity National Home Warranty proves to be the more economical option.
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 |
Fidelity National Home Warranty plans and pricing
Fidelity National Home Warranty only offers one set service fee of $85. Additionally, you can only pay for a plan annually; there are no monthly payment options.
| Service fee | Standard | Comprehensive | Enhanced | Enhanced Plus |
|---|---|---|---|---|
| $85 | $510 | $620 | $715 | $855 |
*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. Fidelity National Home Warranty coverage
Both Choice Home Warranty and Fidelity National Home Warranty build their coverage on all-in-one plans, meaning even their basic packages protect both systems and appliances. Their coverage approach is very similar at the entry-level and continues as you move up to their higher-priced tiers, where both offer robust protection for a comparable list of major home items.
 |  | |
| 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. Fidelity National Home Warranty add-ons
Fidelity National Home Warranty offers a wider variety of specialty add-ons including guest units and spa heaters. Choice Home Warranty covers the basics like pool and spa protection but has fewer unique options. Your choice may depend on whether you need coverage for specific uncommon home items.
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 |
Fidelity National Home Warranty add-ons
In addition to the coverage from its base plans, you can choose up to 24 add-on options when you sign up with Fidelity National Home Warranty. Monthly pricing for some of the most common items is listed below:
| Optional coverage | Monthly cost |
|---|---|
| Second refrigerator | $5 |
| Septic tank pumping | $6.25 |
| Roof leak repair | $8.33 |
| Well pump | $8.33 |
| Electronics protection | $18 |
| Pool and spa | $18.75 |
What Choice Home Warranty customers say
Many Choice Home Warranty customers say that its customer service department is friendly and professional. When they need to book a repair or service, responses are often timely and efficient.
However, in some cases, customers express frustration with the wait time from service providers, which is usually separate from CHW’s internal customer service department. In a few reviews, homeowners also said their contracts were canceled without warning. Overall, though, many customers are pleased with their warranties and say that the company held up its end of the contract.
This is my first [time] experiencing a Home Warranty with an excellent result. Choice Warranty responded so quickly with my AC issue. … Thank you so much CHW. You will be a company I will recommend to my friends.”
– Jeannie of Henderson, NV
What Fidelity National Home Warranty customers say
At the time of publishing, Fidelity National Home Warranty’s overall satisfaction rating on our site is fairly low, at 1.2 out of 5 stars. Common issues include difficulty contacting the company to get service and delays on repairs once the company was contacted.
We have been with Fidelity National Home Warranty for 4 years and because we made claims, they dropped us. Isn’t that what a Home Warranty is for. Bad customer service. Save yourself the problems and use another company.”
– Susan of Fallbrook, CA
Bottom line: Choice Home Warranty or Fidelity National Home Warranty?
Choice Home Warranty offers two pretty standard warranty types at an average price. While Fidelity National Home Warranty is generally cheaper than Choice Home Warranty, it doesn’t offer as much coverage, and it’s only available in 15 states. Fidelity also has a much higher ratio of negative reviews, so the low price might not be worth it.
- Choice Home Warranty is best for people who value consumer reviews and want to ensure they’re working with a reliable company.
- Fidelity Home Warranty is best for customers who want a deal and don’t put much weight in other customers’ experiences.
