Choice Home Warranty

Choice Home Warranty Reviews

Choice Home Warranty Reviews
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$46.83 to $54.75
Monthly premium cost
49 states (not WA)
30 days
Labor guarantee
Service fee
Overall Rating
4.0 out of 5
See all 58,446 reviews

About Choice Home Warranty

Choice Home Warranty offers two levels of protection plans and multiple add-on options to protect against unexpected home system or appliance repairs and replacements. Both plans cover household items regardless of age. Customers can make claims 24/7 through the online account center or by phone. Choice Home Warranty plans are available in all states except California; the company has partnered with Home Service Club of California to provide Choice Home Warranty-branded products in California.

    Pros & Cons


    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    • No home inspection


    • $500 roof repair cap
    • Not available in all states

    Bottom Line

    Choice Home Warranty offers basic and comprehensive plans for systems and appliances. It covers items regardless of age. CHW operates through Home Service Club of California.

    Featured Reviews

    Mandeville, LA

    Filing a claim online was easy. I got an immediate call from the plumber. ... This was not an emergency. Plumber said he could install immediately if needed with different equipme...

    Read full review
    Sun City, AZ

    First, I received the acknowledgment email, then the scheduled repair. The tech called with time update and he was on time, as well as efficient. Couldn’t ask for more. Hopefully,...

    Read full review

    Choice Home Warranty coverage and plans

    Choice Home Warranty has two coverage plans, Basic or Total, as well as add-on coverage you can use to customize your home warranty. Coverage usually begins 30 days after enrollment (unless you can show proof of prior coverage showing no lapses), and policies typically last one year.

    Basic PlanTotal Plan
    Air conditioning system
    Heating system
    Electrical system
    Plumbing system
    Plumbing stoppage
    Water heater
    Whirlpool bathtub
    Built-in microwave
    Garbage disposal
    Clothes washer
    Clothes dryer
    Garage door opener
    Ceiling and exhaust fans
    All information accurate as of publishing.

    After choosing Basic or Total, customers can add any or all of the following optional coverages:

    • Pool and spa
    • Central vacuum
    • Second refrigerator
    • Well pump
    • Limited roof leak
    • Stand-alone freezer
    • Sump pump
    • Septic system
    • Septic tank pumping

    Choice Home Warranty cost

    Choice Home Warranty prices range anywhere from $46.83 to $54.75 per month. Your exact cost will vary depending on your location and the features of your home.

    Most plans from Choice Home Warranty have a flat $100 service call fee per claim. You pay this fee to the service provider who comes to your home. If the cost of a repair or replacement exceeds the coverage limit, the customer is responsible for paying the difference.

    Choice Home Warranty refunds your fees if you cancel within 30 days, minus any service costs (unless these charges are prohibited by your state’s laws). If you cancel after 30 days, you’ll receive a prorated refund for your agreement fees, minus any service costs allowed by your state’s laws. You’re also responsible for a $50 administrative fee (or lower, based on state law). See the company’s user agreement for more details.

    Choice Home Warranty coverage exclusions

    Choice Home Warranty plans cover all components and parts of certain appliances, such as washers, dryers, dishwashers and garbage disposals. Other appliances and all systems, including air conditioners and water heaters, have coverage exclusions. It’s important to read the service agreement thoroughly so you understand what’s covered before you sign up.

    Like many other home warranty companies, Choice Home Warranty won’t cover any preexisting conditions, whether known or unknown, or any failures caused by misuse, abuse, neglect or physical damage. Ultimately, it’s up to the company to determine whether a covered system or appliance will be replaced or repaired.

    Choice Home Warranty claims and coverage limits

    If you have a contract with Choice Home Warranty and need to file a claim, follow these steps to request service:

    1. Call or log in to the online account center to request service as soon as you notice a problem. You can make a claim online or call 24/7/365.
    2. Choice Home Warranty will contact service providers within four hours. It will let you know the contractor’s name and phone number and the appointment time — usually within 48 hours.
    3. A contractor will arrive at the appointed time and repair or replace the system or appliance. You pay the service call fee of $100.

    If your claim is denied, you can ask for Choice Home Warranty to review its decision. The company may ask for maintenance records as part of this review. Choice Home Warranty may deny a claim if the problem is determined to be a preexisting condition or the result of misuse, abuse, neglect or failure to maintain the appliance or system according to the manufacturer’s directions.

    Coverage limits

    Choice Home Warranty has a $3,000 cap per 12-month period on most covered appliances and systems, though some systems and appliances have lower caps. Some notable exceptions are:

    Covered item12-month cap
    Roof leaks $500
    Septic tank pumping $250
    Septic system $500
    Sprinkler system $500
    Stand-alone ice maker $500
    Trash compactor $500
    Well pump $500

    Be sure to ask about coverage limits for any items you’re concerned about before purchasing a service plan.

    Choice Home Warranty FAQ

    Is Choice Home Warranty legit?

    Overall, we think Choice Home Warranty is worth considering if you want a home warranty. It has lower starting costs than some other companies, and it offers occasional specials, like providing the first month of coverage at no charge. Most verified complaints appear to be about claims disputes, which is common among warranty companies.

    What is Choice Home Warranty?

    Choice Home Warranty offers coverage for the repair or replacement of some of your home’s most important appliances and system components. The company offers comprehensive coverage for all covered items, regardless of their age.

    How does Choice Home Warranty work?

    Choice Home Warranty offers comprehensive protection for covered appliances and systems in your home. You submit a claim any time you need to repair a covered appliance or system, then pay an annual contract fee as well as a service fee for each repair or replacement.

    Where is Choice Home Warranty available?

    Choice Home Warranty is available in all states except California. The company has partnered with Home Service Club of California to offer Choice Home Warranty-branded products. These products are sold exclusively through Home Service Club of California Insurance Services; Choice Home Warranty is not licensed by the California Department of Insurance.

    Does Choice Home Warranty require a home inspection?

    A home inspection is not required to get coverage from Choice Home Warranty. But, per the contract, the company does maintain the right to request routine maintenance records and home inspection reports when deciding how much it may cover for a repair or replacement.

    What is not covered under Choice Home Warranty?

    Choice Home Warranty does not cover the following:

    • Known or unknown preexisting conditions
    • Routine maintenance or breakdowns due to neglect, abuse or physical damage
    • Items still under warranty by a manufacturer
    • More than one of the same appliance or system (with some exceptions)
    • Specific components and parts of certain appliances and systems
    • Permit fees
    • Other exclusions noted in the contract

    Choice Home Warranty Reviews

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    2 featured reviews
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    Page 1 Reviews 0 - 5
    Verified purchase
    Claims HandlingSales & MarketingPunctuality & Speed

    Reviewed Nov. 19, 2023

    I go on the internet when I have a claim and it's easy. The turnaround time is 48 hours and I've never waited more than two days to at least get an appointment scheduled. I had a claim for my garage door and a young man who came out to work on it. He was amazing and he never missed a lick. When the parts to the door arrived, there was a lot of assembly that needed to be done on the rails and the chains. Before he ever opened the box, he went to his toolbox and got out every tool that he needed and laid them out on the floor where they were gonna be needed. He then opened the box and laid the parts out on the floor where they needed to be. He proceeded to put them together and he never backed up. He knew exactly what to do and how to do it. It was like watching a robot work.

    When he had the whole thing assembled, it was a long, cumbersome set of rails that had to be picked up and installed against the ceiling of my garage. He did that himself. He had a system of doing that. Pick it up here, set it there, get under it here, and push it up. It was amazing and there was absolutely no time lost. He was working single-handedly. I watched most of it. I hope the company realizes what an asset they have in this young man. I was very impressed.

    Depending on what the prime quality that people want, Choice would be one of two. I've had a couple of offers that are cheaper than Choice. If price is your prime objective, Choice would be second place. For me, they are the best overall. I renewed mine for next year. The marketing is way hell overdone. I must have gotten at least 10 people calling me about wanting to renew. It was a pain. I heard the sales pitch so many times, I could give it. When somebody renews, Choice needs to have a system where you can turn off the salespeople.

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      Verified purchase
      Customer ServiceClaims HandlingCoverageTechPunctuality & Speed

      Reviewed Nov. 15, 2023

      Choice Home Warranty has been great so far on these fronts: 1. Changing out my door locks with the best service ever from Kings Castle Locks and More. The owner came and provided excellent education and thorough service in ensuring my new locks were as secure as possible. She examined everything carefully and provided safety information for my home. She has a realtor background that helped her a lot, and she pointed out things to help keep me more safe as she worked.

      2. Replacing my furnace valve and T pipe after I smelled a leak. All in one day - I hardly had to wait and Sierra Mechanical was wonderful. And Choice Home Warranty covered everything. 3. When I first moved in, my catalytic converter on my A/C went out and there was a major heat wave. I called Choice Home Warranty and they did not have an HVAC who could help right away (due to heat wave most likely). It took 2-3 weeks to get it replaced and then it was hard for the tech to get it approved, and I had to call on the person who sold me the warranty to advocate for me because Choice Home was not ready to pay for the replacement of it.

      As a new owner of the home, I had no access to the previous owner's warranty information, which they said was the problem - that it was still under warranty. But with the help of my advocates (including the HVAC person they assigned me who carefully explained the situation to them), I was able to get it approved. So far so good in getting important things covered.

      I have saved a lot of money with Home Choice warranty. So far, they have honored my claims. The air conditioning claim was a tough one. It took 3 weeks in a heat wave (I could have tried with my own HVAC company but feared losing my appointment with them and I didn't know if I would have a harder time getting my claim approved) and they weren't eager to cover it when the HVAC person assessed what had broken. I was grateful for my angel who advocated for me. On everything else, they have been fantastic, and they did cover the A/C repair too, and I am grateful for all of their services so far.

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      Verified purchase
      TechPricePunctuality & SpeedRefunds & Payouts

      Reviewed Sept. 1, 2023

      The wife was doing a load and started smelling something was burning. I tried to figure out what I would do. And I realized I got a home warranty system now. So, I called Choice Home Warranty and submitted a claim. They had a guy out within three days. He looked at it. At the same time, I submitted one for the dryer. They opted to replace the washer and repair the dryer. It went through quickly.

      One company handled both the repair of the dryer and in the decision process to replace the washer. The service tech that came out was very knowledgeable. I was impressed. He had the drum out. He had the front of it off. He said, "This won't be too bad to fix. I know what it's gonna take to fix it." He had it all put back together so that visually, you couldn't tell it was not a functioning unit. It looked just like every day. He had the part in less than a week. He came back out and had the unit again, all apart, new part installed, put back together, running ready to go. He had that done in under two hours. I'm impressed with the companies that Choice Home Warranty chose in this situation.

      I questioned the original amount. The rep explained to me that a long time ago, they would buy the replacement unit and ship it to the homeowner. They had numerous complaints over that. So what they've done now is they don't go with replacement cost. They go with, "What could we buy it for at the wholesale value? And that is the price that we will give the homeowner." I said, "Are you for real? So you guys could buy a new washer, washing machine for $280, yet, Joe homeowner, he ain't gonna find one for less than 550. What's he supposed to do?" And she said, "I'm sorry. But that's been our policy for the last X number of years." "But what you have quoted us is not life value for what we have.” So, she increased our payout by 35%. She asked, "Can you tell me what your manufacture is?" Within 30 seconds, she approved us to get more money to replace our unit.

      A lot of homeowners, when a piece of equipment dies, they look at it as an opportunity to upgrade and to get newer and more bells and whistles. That is another reason why they don't buy a new unit and send it to us because the homeowners would be, "Give us the money, and we'll pitch in some of our own money and get a newer, bigger, better thing." That's what they did. And it went smooth. I am happy with it.

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      Verified purchase

      Reviewed July 9, 2023

      All of the Choice Home Warranty Customer Service representatives who responded to questions about my claim status for service on my inoperable air conditioner and the options available to me provided clear and accurate information. I had to make several calls about the status of my claim. Each person I spoke with was patient, helpful and courteous.

      The Choice Home Warranty process to identify technicians to service customers is problematic. I made the request for a technician to service my air conditioner on Saturday, July 1 and by Monday, July 3, none of their technicians in my area "picked up" my claim. I had to select the reimbursement option. The reimbursement option comes with great potential temporary cost to repair an air conditioner or replace one.

      I recommend Choice Home Warranty reviews the processes to identify and get technicians to service claims. For example, they should contract local companies to provide emergency service-and not having air conditioning on the hottest days of the summer so far -110- is an emergency - when their technicians do not "pickup" claims within two (2) days-48 hours.

      In addition, when a claim is not "picked up" in two days, Choice Home Warranty should pay for the repairs that the company submits through its portal. It is unfair for the customer to pay for repairs and be reimbursed within 30 days when the area Choice technicians in an area do not "pickup" a claim. I believe the requirement that the technician should complete their report in the Choice portal is fair. I believe the process, which requires specific information is sufficient to show the technicians' qualifications and support the repair cost.

      Finally, I want to reiterate that the Choice Home Warranty reimburse process should be reviewed and changed so that customers do not have to pay for repairs when technicians do not "pick up" their claim. In addition, Choice should have contracts with local companies so that they can respond when local technicians do not "pick up" a claim.

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      CoveragePunctuality & Speed

      Reviewed April 15, 2023

      The first tech (chris) was excellent getting to the root of the problem that was a heating element issue. He quickly changed the heating element and all looked well. He did advise that the dryer vent needed to be blown out to safely use the dryer. After leaving the area, the dryer was started to see if any heat was working, after a few minutes the dryer indicated there was a E1 error, and the system shut down. I spoke with the tech by phone after he departed, and he advised that I do not use the dryer until the vent was blown out. I had the vent blown out and the dryer still indicated an E1 error.

      I contacted Choice and another tech was scheduled to see what the error was. Kyle came and after checking several things it was decided that the thermistor (?) was bad. Kyle did not have a replacement and he will have to order the part and have it sent to me. I received the part on 6/13 and I am waiting for another tech to arrive on Monday 6/17. Efforts on my behalf to get someone out here before Monday did not work and I am waiting for the thermistor to be replaced.

      All in all waiting for several weeks to have a dryer repaired was not good, I believe that the Chris the first tech should have checked further along to see if the thermostat or thermistor could have also been bad, it would have saved a lot of time. But can understand by replacing the heating element, he figured that may have been the issue. I do believe that a $45 dollar payment when the 2nd tech arrived should have been covered due to problem not solved. The $45 dollar payment for the new tech I believe will be covered due to a return for a new thermistor replacement. Overall, hopefully the problem will be solved, I will know on Monday 4/17 if E1 error indicator has been repaired.

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      Customer ServiceCoverage

      Reviewed Nov. 25, 2023

      I prepaid for 3 years in advanced for $1200.00 in total. I called them 3 times for different problems and nothing got fixed each time. Once you are prepaid it means they got you by your balls and there is nothing you can do. When their repair guy shows up on your door within 2 minutes he will tell you this problem is not covered under insurance policy and if you want it fixed right now it will be $450.00 Plus call cost. They want to make extra money just because they are at your house, God forbid if your wife is not sharp. They will rip you blind. DON’T DO MY FRIENDS. I LEARNED THE HARD WAY. Sent 5 Emails = no response. Call Customer service = Voice mail. If you call for a new plan then there are 200 people sitting in the basement in Edison N.J. to welcome you.

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      Customer ServiceClaims Handling

      Reviewed Nov. 25, 2023

      I filed a claim on my new pool filter leaking and it was denied. Even after I stated that the pool has weekly maintenance performed on it by a licensed technician. So I filed a appeal and have not heard from anyone from this company about it at all. This is not how you handle customers and most of the claims that I have filed have been denied. So why do I even try to file a claim? It's just a very poor customer service oriented company.

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      TechPunctuality & Speed

      Reviewed Nov. 25, 2023

      The technician contacted me prior to his visit and was on time. He was professional and was able to complete the job within an hour, which included the time to go get the needed part. I would definitely used his services again for any electrical services. Our light light fixture works perfectly.

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      Verified purchase

      Reviewed Nov. 25, 2023

      Your sales representative, Noah, was polite, patient and helpful. He was thorough. and seemed to enjoy what he does. He took the time to explain things to me in layman’s terms. As a senior citizen, this was extremely helpful in allowing me to reach my decision to try out the warranty. He is an asset to your company.

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      Customer ServiceTechPunctuality & Speed

      Reviewed Nov. 25, 2023

      1st company came out and I paid $75 for seal because was leaking. By the time he came the dishwasher was not drying. He didn't get back to me. The co. from S.D. would come and then not contact me until I called them. Then I heard someone would come re: drying. I paid another $75. A firm from Yucaipa came promptly. they let me know when part came. Monday Nov 21st a technician came worked on it. I ran it 2x and still not drying. Perhaps he should have shown me something. So I have paid $150 for the same dishwasher with 4 visits. The dishwasher is not leaking but not drying.

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      Choice Home Warranty Company Information

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      Company Name:
      Choice Home Warranty
      Company Type:
      1090 King Georges Post Road
      Postal Code:
      United States