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  4. Choice Home Warranty vs. Fidelity National Home Warranty

Choice Home Warranty vs. Fidelity National Home Warranty

Choice 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

choice home warranty logofidelity national home warranty logo
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 availableDiscounts for paying annually; free 13th monthNot specified
choice home warranty logo$46.83 to $54.75$54.75 (Total plan)$532 to $627 (for 13 months)$85Discounts for paying annually; free 13th month
fidelity national home warranty logo$29 to $37$33$350 to $445$75Not specified

Plans

choice home warranty logofidelity national home warranty logo
Plans availableBasic, TotalStandard
Covered systems810
Covered appliances85
Combo plan covered items1621
Service recall period30 days for labor; 90 days for partsNot listed
Availability48 states15 states
choice home warranty logoBasic, Total881630 days for labor; 90 days for parts48 states
fidelity national home warranty logoStandard10521Not listed15 states

Appliances coverage

choice home warranty logofidelity national home warranty logo
Built-in food centers
Built-in microwaves
Clothes dryersAdd-on
Clothes washersAdd-on
Dishwashers
Ice maker
Instant hot/cold water dispensers
Ranges, ovens and cooktops
RefrigeratorsAdd-on
Trash compactors
Water sensors
Whirlpool bathtubWhirlpool motor pump covered
choice home warranty logo
fidelity national home warranty logoAdd-onAdd-onAdd-onWhirlpool motor pump covered

Systems coverage

choice home warranty logofidelity national home warranty logo
Air conditioningAdd-on
Ceiling fans
Central vacuumsAdd-on
Doorbells
Ductwork
Electrical
Garage door openers
Garbage disposals
Heating
Plumbing
Smoke detectors
Water heaters
choice home warranty logoAdd-on
fidelity national home warranty logoAdd-on

Other coverage

choice home warranty logofidelity national home warranty logo
Guest unitAdd-on
PoolsAdd-onAdd-on
Roof leak repairsAdd-onAdd-on
Second refrigeratorAdd-on
Septic pumpAdd-onSeptic leak coverage; add-on available
SpasAdd-onAdd-on
Stand-alone freezerAdd-on
Well pumpAdd-on
choice home warranty logoAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
fidelity national home warranty logoAdd-onAdd-onSeptic leak coverage; add-on availableAdd-on

Reputation on ConsumerAffairs

choice home warranty logofidelity national home warranty logo
Overall star rating4.01.1
Verified customer reviewsRead reviewsRead reviews
choice home warranty logo4.0Read reviews
fidelity national home warranty logo1.1Read 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.

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    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 complaints 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.
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    The ConsumerAffairs Research Team believes everyone deserves to make smart decisions. We aim to provide readers with the most up-to-date information available about today's consumer products and services.