Choice Home Warranty and Fidelity National Home Warranty are two popular home warranty providers with different plans and pricing. We compare their coverage, costs and customer reviews to help you decide which one is right for you.
Choice Home Warranty vs. Fidelity National Home Warranty cost
Your choice between these providers may come down to how you prefer to pay and how often you expect to request service. Choice Home Warranty offers monthly payment options, while Fidelity National Home Warranty requires an annual payment.
Based on the listed prices, Fidelity's Standard plan costs $510 per year, compared with $560 for Choice's basic plan. Fidelity also has a lower listed service fee of $85 versus Choice's $100, which could make a difference if you expect multiple repairs. Compare the coverage included in each plan before deciding which offers the best overall value.
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 charges a service fee of $85 and requires annual payment for its plans. Monthly payment options aren't available.
| 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 offer different plans that cover a combination of home systems and appliances, but what's covered depends on the plan you choose.
Choice Home Warranty: Offers Basic and Total plans. The Basic plan covers most major systems and appliances, while the Total plan adds AC, refrigerators, clothes washers and dryers.
Fidelity National Home Warranty: Offers four plans, including Standard, Comprehensive Plus, Enhanced and Enhanced Plus, with coverage that varies by tier.
 |  | |
| Coverage |  |  |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | N/A | N/A |
| 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 | $4.17 |
| 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 | $19.16 |
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 plans with monthly and annual payment options. Fidelity National Home Warranty, on the other hand, offers four plans with annual payment requirements. Based on the listed prices, Fidelity has a lower starting annual premium and service fee, but the best value depends on the coverage you need.
Choice Home Warranty is best for homeowners who prefer flexible payment options and value consumer reviews.
Fidelity National Home Warranty is best for homeowners who prefer an annual payment and want to compare multiple coverage tiers with lower listed starting costs and service fees.
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
Choice Home Warranty, "User Agreement." Accessed Oct. 28, 2026
Fidelity National Home Warranty, "TX Brochure." Accessed Oct. 28, 2026
