Choice Home Warranty vs. OneGuard Home Warranties
+1 more
When you’re comparing home warranty companies, it’s important to look at plans, premiums, service call fees, optional coverages, contractors and the claims process. In this article, we look at two providers you might be choosing between: Choice Home Warranty and OneGuard Home Warranties. We gathered the information you need to help make your decision.
Choice Home Warranty vs. OneGuard Home Warranties cost
OneGuard Home Warranties stands out with a lower starting service fee, which is what you pay per service call. OneGuard also offers more affordable monthly rates for its introductory plans. When it comes to top-tier coverage, Choice Home Warranty becomes the more budget-friendly 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 |
OneGuard Home Warranties plans and pricing
You can choose a service fee of $100 or $125 with OneGuard Home Warranties. If you’re OK paying $25 more when you need to make a claim, you can reduce the monthly cost of your plan by $10.
| Service fee | ShieldSilver | ShieldGold | SheldPlatinum |
|---|---|---|---|
| $100 | $39.99 | $59.99 | $89.99 |
| $125 | $29.99 | $49.99 | $79.99 |
*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. OneGuard Home Warranties coverage
Your choice between these two companies may depend on the type of coverage you need upfront. OneGuard provides specialized entry-level options that cover only systems. Choice Home Warranty, on the other hand, bundles both systems and appliances into all of its plans, which might be better if you need comprehensive protection from the start.
 |  | |
| 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. OneGuard Home Warranties add-ons
When comparing optional add-ons OneGuard Home Warranties offers unique coverage for electronics protection and roof leaks. Choice Home Warranty provides a more standard list of extras including septic tank pumping. They both offer common options like pool and spa coverage.
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 |
OneGuard Home Warranties add-ons
OneGuard Home Warranties provides six optional add-ons. The monthly cost of coverage for each of these items is listed below:
| Optional coverage | Monthly cost |
|---|---|
| Septic pump | $4.99 |
| Roof leak repair | $9.99 |
| Well pump | $9.99 |
| Guest unit | $12.99 |
| Electronics protection | $14 |
| Pool and spa | $20.99 |
What Choice Home Warranty customers say
Choice Home Warranty reviewers report positive experiences overall. They describe the company’s customer service representatives as helpful and friendly and contractors as skilled and professional. Some reviewers had challenges with denied claims or coverage not meeting expectations.
"Choice Warranty provided expert analysis of my A/C problem. They were courteous, friendly and quite knowledgeable about my problem. They quickly arranged for a service person to come and repair my A/C. The service was prompt and inexpensive. I strongly recommend Choice Warranty to anyone.”
What OneGuard Home Warranties customers say
Customers generally give OneGuard Home Warranties high marks for an easy claims process and competent repair professionals who got the job done. Reviewers like the extra coverage for services not covered by competitors. Some customers note long times on hold for customer service when calling to set up a repair appointment.
"We liked the options that were available. For example, getting our locks changed and our carpets cleaned that I've never had before on a home warranty. It’s not just for when things break, it's also for service options. I would recommend using OneGuard.”
Bottom line: Choice Home Warranty or OneGuard Home Warranties?
If you live in Arizona, Nevada or Texas and are choosing between Choice Home Warranty and OneGuard Home Warranties, you’ll notice some differences. CHW covers both appliances and systems in each of its plans, while OneGuard covers appliances, systems or both. OneGuard has a lower starting cost, but both charge similar prices for their top-tier coverage. OneGuard’s plans, however, include a number of services not traditionally offered by other companies, like pest control and carpet cleaning.
- Choice Home Warranty is best for customers who want a basic plan that covers both appliances and systems.
- OneGuard Home Warranties is best for customers in Arizona, Nevada or Texas who want maximum coverage, including for services that aren't usually part of home warranty plans, like window cleaning, termite treatment and weed kill treatment.
