Choice Home Warranty vs. HomeServe
Compare coverage, cost and reviews
+1 more
Choice Home Warranty and HomeServe are companies that help homeowners avoid unexpected costs when appliances and systems break down from normal use. Both offer plans with 24/7 claims service and licensed and insured technicians, and each is reviewed well by homeowners. In this article we look at Choice Home Warranty and HomeServe side by side to help you decide which best fits your needs.
Choice Home Warranty vs. HomeServe cost
Your choice between these providers may come down to budget priorities. If a lower monthly payment for entry-level coverage is most important, HomeServe 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 |
HomeServe plans and pricing
HomeServe is unique among home warranty companies. It has no service fee and offers no add-ons. Instead, it has 17 plans — far more than the standard one to four that most companies offer. With the company’s a la carte style of coverage, you can combine plans that best suit your needs. Monthly pricing for three of its plans is shown below.
| Service fee | Electrical Surge | Heating & Cooling System | Premium Home Protection |
|---|---|---|---|
| $0 | $3.99 | $19.99 | $69.99 |
*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. HomeServe coverage
The main coverage difference between these companies is what they protect. HomeServe's plans focus exclusively on major home systems like heating and plumbing, with no options for appliance coverage. Choice Home Warranty's plans are all-in-one, bundling both systems and appliances together for more comprehensive protection.
 |  | |
| 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. HomeServe add-ons
HomeServe does not offer any optional add-on coverage for items like pools, spas or extra appliances. Choice Home Warranty on the other hand provides a diverse list of add-ons. This includes coverage for septic systems, well pumps and standalone freezers making it the more flexible option.
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 |
HomeServe add-ons
HomeServe does not offer add-ons, unlike most other home warranty companies. Instead, it offers 17 plans that you can combine to get the coverage you want. It's a unique system that allows you to pay for what you need without requiring single-item add-ons.
What Choice Home Warranty customers say
There are over 50,000 customer reviews for Choice Home Warranty on ConsumerAffairs, with an average rating of about 4 stars as of publishing. Customers have lots of positive feedback about the company. Many say the service representatives are knowledgeable and polite. The majority of critical remarks have to do with denied claims, often because of limits in coverage. Overall, most customers are satisfied with Choice Home Warranty’s services.
I was very pleased with the response time and service provided by Choice HW. ... They had to order a part which Choice quickly approved and the Tech installed it the next day. Far better than the previous company I was with.”
– Donnie of Pflugerville, TX
What HomeServe customers say
HomeServe has over 1,000 reviews on ConsumerAffairs. Customers like that representatives are quick to answer questions and knowledgeable. They also say HomeServe is easy to deal with. Customer criticisms mention coverage limits and some miscommunication issues.
HomeServe is a must have. ... I've used them once already and it was a fast to act on my emergency. Can't recommend enough.”
– A of Salt Lake City, UT
Bottom line: Choice Home Warranty or HomeServe?
Choice Home Warranty and HomeServe each help homeowners protect essential household systems and appliances. Choice Home Warranty has two broad plans, while HomeServe’s plans are more specialized, with lower starting costs. Both providers let you file a claim 24/7 and set up service with a local, licensed contractor. HomeServe guarantees repairs for a longer period than CHW.
- Choice Home Warranty is best for homeowners who prefer straightforward coverage for both appliances and systems and the option to add on additional protections.
- HomeServe is best for homeowners who want coverage specifically for plumbing, electrical, or heating and cooling systems.
