Choice Home Warranty vs. Fidelity National Home Warranty
What is the difference between Choice Home Warranty and Fidelity National Home Warranty?
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.
Cost
 |  | |
| Monthly premium cost | $46.83 to $54.75 | $29 to $37 |
| Average cost for combo plan | $54.75 (Total plan) | $33 |
| Annual premium cost | $532 to $627 (for 13 months) | $350 to $445 |
| Service call fee | $85 | $75 |
| Discounts available | Discounts for paying annually; free 13th month | Not specified |
| $46.83 to $54.75 | $54.75 (Total plan) | $532 to $627 (for 13 months) | $85 | Discounts for paying annually; free 13th month |
| $29 to $37 | $33 | $350 to $445 | $75 | Not specified |
Plans
| | |
| Plans available | Basic, Total | Standard |
| Covered systems | 8 | 10 |
| Covered appliances | 8 | 5 |
| Combo plan covered items | 16 | 21 |
| Service recall period | 30 days for labor; 90 days for parts | Not listed |
| Availability | 48 states | 15 states |
| Basic, Total | 8 | 8 | 16 | 30 days for labor; 90 days for parts | 48 states |
| Standard | 10 | 5 | 21 | Not listed | 15 states |
Appliances coverage
| | |
| Built-in food centers | — | — |
| Built-in microwaves | ||
| Clothes dryers | Add-on | |
| Clothes washers | — | Add-on |
| Dishwashers | ||
| Ice maker | — | |
| Instant hot/cold water dispensers | — | |
| Ranges, ovens and cooktops | ||
| Refrigerators | Add-on | |
| Trash compactors | — | |
| Water sensors | — | — |
| Whirlpool bathtub | Whirlpool motor pump covered |
| — | — | — | — | — | |||||||
| — | Add-on | Add-on | — | Add-on | — | Whirlpool motor pump covered |
Systems coverage
| | |
| Air conditioning | Add-on | |
| Ceiling fans | ||
| Central vacuums | Add-on | |
| Doorbells | — | |
| Ductwork | ||
| Electrical | ||
| Garage door openers | ||
| Garbage disposals | — | |
| Heating | ||
| Plumbing | ||
| Smoke detectors | — | |
| Water heaters |
| Add-on | — | — | |||||||||
| Add-on | — |
Other coverage
| | |
| Guest unit | Add-on | — |
| Pools | Add-on | Add-on |
| Roof leak repairs | Add-on | Add-on |
| Second refrigerator | Add-on | — |
| Septic pump | Add-on | Septic leak coverage; add-on available |
| Spas | Add-on | Add-on |
| Stand-alone freezer | Add-on | — |
| Well pump | Add-on | — |
| Add-on | Add-on | Add-on | Add-on | Add-on | Add-on | Add-on | Add-on |
| — | Add-on | Add-on | — | Septic leak coverage; add-on available | Add-on | — | — |
Reputation on ConsumerAffairs
| | |
| Overall star rating | 4.0 | 1.1 |
| Verified customer reviews | Read reviews | Read reviews |
| 4.0 | Read reviews |
| 1.1 | Read reviews |
All prices are based on a quote for a house of less than 5,000 square feet in Austin, Texas. All information is accurate as of publishing.
Choice Home Warranty
Choice Home Warranty coverage starts 30 days after you pay your contract fee. For repairs or service requests, you’re paired with a repair person in your area.
Choice Home Warranty plans
Choice Home Warranty offers two plans, and both cover a pretty standard selection of appliances and systems.
The Basic plan is CHW’s lower-tier option. It covers your:
- Heating system
- Electrical system
- Plumbing system
- Plumbing stoppages
- Water heater
- Whirlpool bathtub
- Oven
- Range
- Stove
- Cooktop
- Dishwasher
- Built-in microwave
- Garbage disposal
- Ductwork
- Garage door opener
- Ceiling and exhaust fans
The Total plan is CHW’s more comprehensive option, covering 17 pieces of equipment in your home. All told, this plan covers your:
- Air conditioning system
- Heating system
- Electrical system
- Plumbing system
- Plumbing stoppage
- Water heater
- Whirlpool bathtub
- Refrigerator
- Oven
- Range
- Stove
- Cooktop
- Dishwasher
- Built-in microwave
- Garbage disposal
- Clothes dryer
- Ductwork
- Garage door opener
- Ceiling and exhaust fans
Add-on coverage is also available for your:
- Pool or spa
- Well pump
- Sump pump
- Central vacuum
- Roof (limited leak coverage)
- Septic system
- Second refrigerator
- Stand-alone freezer
- Septic tank plumbing
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 who are so frustrated with their home warranty. Thank you again.”
– Jeannie of Henderson, NV
Fidelity National Home Warranty
Fidelity Home Warranty offers home service plans in 15 states. There is no mention of a waiting period on its website, but we recommend checking your contract for details before you sign.
Fidelity National Home Warranty plans
There is only one plan listed on Fidelity National Home Warranty’s website, though it references having multiple options. Here’s what’s included in the company’s Standard Coverage:
- Plumbing system
- Ceiling fans
- Plumbing stoppages
- Attic and exhaust fans
- Toilets
- Smoke detectors
- Sump pump (permanently installed)
- Doorbells
- Bathroom whirlpool motor pump
- Dishwasher
- Recirculating hot water pump
- Range
- Water heater
- Oven
- Heating and ductwork
- Cooktops
- Electrical system
- Built-in microwave
- Telephone system
- Instant hot water dispenser
- Central vacuum system
- Trash compactor
- Garage door opener
This plan also offers the option to add coverage for additional things like:
- Roof leaks
- Washers
- Dryers
- Air conditioning
- Pool and spa equipment
- Limited septic leaks
- Roof leaks
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 1.1 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
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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.
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