Choice Home Warranty Reviews

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About Choice Home Warranty

Choice Home Warranty is a home warranty company that offers comprehensive coverage for all covered items, regardless of their age. Plans are designed to financially protect homeowners from unexpected repairs or replacements on their systems and appliances. Customers have had mixed experiences with Choice Home Warranty. Some have found the representatives helpful and informative, guiding them through the plan options and benefits. However, others have faced challenges with claim denials, service delays and communication issues.

Pros
  • Optional coverage for roof leaks
  • No transfer fee
  • 24/7 customer service
  • No home inspection required
  • Available in most states
Cons
  • $500 roof repair cap
  • Some customer service complaints
  • May be difficult to get reimbursed for out-of-pocket expenses

Helpful Reviews

Maumelle, AR
Verified purchase
My AC went out, I contacted Choice Warranty and they got back to me within an hour. Repairman came out next day and fixed the problem. Very good service. I would recommend Choice ...

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Indianapolis, IN
Verified purchase
Pretty good and easy experience overall, my only complaint was it took several days to get the tech out there to repair the AC unit. Other than that no problems. This warranty has...

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What is Choice Home Warranty?

Choice Home Warranty is a home warranty company that offers comprehensive protection for covered appliances and systems in your home, regardless of their age. 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.

Ultimately, it’s up to the company to determine whether a covered system or appliance will be repaired or replaced.

Choice Home Warranty coverage and plans

Choice Home Warranty has two main coverage options: the Basic and Total plans. Coverage usually starts 30 days after you sign up unless you show proof of previous coverage without a break. Plans last for one year.

You can customize your plan with a variety of add-on options. These include coverage for swimming pools, spas, well pumps, septic systems, and extra appliances or features that aren't in the base plans. This flexibility lets you build a plan that fits your home's unique needs. For example, you can add pool coverage if you have a pool, or extra refrigeration units if you have more than one fridge.

Customizing your plan means you only pay for the coverage you need. It's especially helpful if you have an older home or special systems, since you can cover items that might break more often.

Add-on coverage

You can add any or all of the following optional coverages to the Basic or Total plan:

  • 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 $49.17 to $57.50 per month. Your exact home warranty cost will vary depending on your location and the features of your home. Anecdotally, Dwayne in Maryland said he pays $800 per year for his Choice Home Warranty plan.

Most plans have a flat $75 or $100 service call fee per claim. A service call fee is like a deductible. You pay it 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 coverage exclusions and limits

Appliances and all systems, including air conditioners and water heaters, have coverage exclusions in most Choice Home Warranty Plans. That’s why it’s important to read the service agreement thoroughly to understand what’s covered before signing up.

Coverage exclusions

Choice Home Warranty plans won’t 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

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 listed below.

How to file a claim with Choice Home Warranty

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.
  2. Service providers are contacted within four hours. Choice Home Warranty lets you know the contractor’s name and phone number and the appointment time - usually within 48 hours.
  3. A contractor arrives to repair or replace your broken system or appliance. You pay the service call fee of $100.

Real customer experiences and complaints

Overall, happy customers appreciate the responsiveness and promptness of the technicians, as well as the professionalism and knowledge they bring to the job. Most verified complaints appear to be about claims disputes, which is common among warranty companies.

  • Rose in California pays $1,100 per year of coverage plus a $75 service charge fee: “The cost for one appliance to fix was not even $200,” she wrote in a review. “So I (would have been) better off (saving) my $1,100 and just pay to fix it.”
  • Margaret in Arizona said that the claims process is fast and easy: “I filed a claim on a Monday and the appointment was the following morning. The technician was very professional, friendly, and helpful.”
  • Michael in Florida had a problem when his KitchenAid refrigerator needed to be replaced: “I purchased a new one for $3,799 and it (was) delivered and installed. Choice Warranty offered me $818 (Absurd) to replace it even though my plan had a replacement cost (up to) $3,000. I called to complain and after getting passed from one person to another I spoke to a person who said that (they) could increase the offer to $1,199, but it would have to be in the form of a Lowe’s gift card.

» LEARN MORE: How to get the most from your home warranty

Choice Home Warranty FAQ

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.

» RELATED: Home warranty regulations

Does Choice Home Warranty require a home inspection?

No, a home inspection is not required to get coverage from Choice Home Warranty. But, per the sample 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.

When do I renew my plan each year?

If your plan is eligible for renewal, you will be notified of the prevailing rate and terms of renewal when the end of your contract is coming up.

Why would a Choice Home Warranty claim be denied?

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.

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.

Can I cancel my Choice Home Warranty plan?

Yes, you can cancel your plan with Choice Home Warranty. If you cancel your plan within 30 days, Choice Home Warranty refunds your fees, minus any service costs (unless your state’s laws prohibit these charges). 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 will also likely have to pay a $50 fee.

Is Choice Home Warranty legit?

Yes, Choice Home Warranty is a legitimate home warranty company. It has lower starting costs than some other home warranty companies, and it offers occasional specials, like providing the first month of coverage at no charge. Overall, we think Choice Home Warranty is worth considering.

Choice Home Warranty Reviews

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    How do I know I can trust these reviews about Choice Home Warranty?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceCoverageTechMaintenanceStaff

    Reviewed April 9, 2026

    My Realtor works with Choice Home Warranty all the time and she mentioned it. It's different than a homeowners policy, which I thought was the only thing I really needed, but they said that the home warranty will cover my appliances and things on the inside of the house. I signed up. When I got the house, I was given 12 keys unmarked in a drawer. I have a front door, a garage door, and then two sliders, but none of them fit. That's a lot of keys for them not to fit. I called Choice Home Warranty, and they initiated the claim to have all the exterior doors rekeyed. That was easy and the rekeying guy was very good.

    Choice Home Warranty covers a lot, but I don't understand what criteria they use. I called them when I wanted to have my outlets looked up. I had some not working outlets that I had looked at yesterday by an electrician handyman guy and he seemed very nice and knowledgeable. He did an estimate and put in the claim, but it came back as not covered. The outlets I have only have two openings, not the third ground, and the company said that wasn't covered under the home warranty. The front light sconces, one by the front door and two by the garage doors, are not covered either. They're not wired or hooked up.

    My interactions with the reps have been good. The only thing I have a sticking point is, the outlets and those front portions should be covered. I have outlets in the bedroom, the dining area, and the living room that need to be fixed. They're not grounded and they all need to be. I have an older home and an older home sometimes only has those two-prong plugs. I'm surprised they were able to sell the house without fixing that.

    All in all, Choice Home Warranty is great because it covers my appliances, even ones that I had prior to the move. Their service is good as well. However, sometimes I try to access their online platform and I have to go back and forth with my policy number. It would be nice if it just auto populated my policy number or use my date of birth and bring it up, but there's no place to add any other personal identifiers. It's my name or my email address and then the policy number.

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      Verified purchase
      Customer ServiceContract & TermsCoverageTechPricePunctuality & SpeedRefunds & PayoutsMaintenanceStaffRatesCoverage Limits

      Reviewed March 24, 2026

      For this specific service early March, I had furnace/heating failure. The mainboard went went due to probably electric surges caused by stormy weathers lately. I only paid my service call fee of 75$, CHW covered all the rest. I made the claim on a Thursday; technician made first visit on Monday; sent his diagnosis to CHW, which approved within the hour; the technician came back on Wednesday and fixed it. Luckily we had two units to keep the house warm. That weekend dropped to 40s and Monday night dropped to 30s. The boys survived upstairs (that was failed unit) but my daughter (the youngest) slept with us downstairs.

      In general about CHW: I am very happy with CHW for the most part. Service quality of the technicians assigned greatly varies, but the CHW people always respond with care and try to meet my needs. So, they value customer satisfaction. I had a great deal more than 10 years ago; a lifetime locked rate when you renew. Even if you move, you can keep it and transfer it to your new home besides the option of transferring it to the new home owner (however many years left on it-- a good selling perk!) when you sell your house. I did both at the same time 9 years ago! Sometimes the repair process may take longer than expected, so, for things that's not really urgent, I always use their services.

      Another point is, what's covered and not covered can get a bit tricky, especially depending on the plan you choose. If it is a significant repair; for example, water heater, expect to have some out of pocket costs, but at the end, you would pay a lot less than what you would if you did not have the warranty. At least this has always been the case for me so far. In short, definitely worth buying a home warranty from CHW!

      Interesting enough, I had 5 claims since January, very unusual volume, because before January I had only 11 claims since 2017 (so, 1.5 claims per year on average). 2-3 of these past claims were not really helpful, either not covered by CHW or I found a better solution through a service of my own finding. The last 5 claims, though, the repairs were to my satisfaction and costed less than $1,500 put of pocket including the $75 service call fee per claim. It would have been costed me at least $4,000 if I did not have CHW.

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      Verified purchase
      Customer ServiceCoverageTechPunctuality & SpeedMaintenanceStaffTimeliness

      Reviewed March 4, 2026

      I had a 'claim jumping' experience. The Tech from AXUS called to say he would arrive in an hour. About 10 minutes later a man from Bodewell came to the door, didn't introduce himself and said he was there to perform the warranty service on the dishwasher. I asked if he was the man who I just talked to and he said it was probably the Warranty service. Naively, I Iet him (Gary) come in as he was very courteous, well dressed, etc. He diagnosed the issues quickly. He was efficient, knowledgeable, etc. He identified the issues, and suggested the preferred resolution. We set a date to replace the parts. He left but stayed parked in his van for about a quarter hour or more in front of my house. Shortly after that I received an email with the Bodewell Receipt which would have been forwarded to Choice.

      About 20 minutes later the assigned vendor AXUS came to the door. I told him (AL) someone had already been here. I then realized the error. We talked about what to do. I called Choice to inform you of this issue and that I would be calling Bodewell to cancel any work done by them and assure that AXUS was the preferred vendor.

      Al assessed the issue also and said he would come back the next day with the parts to repair the dishwasher. Al came back the next day and replaced the dishwasher door gasket and spray mechanism. He was efficient, courteous and knowledgeable. He also, secured the dishwasher drain hose up at a better angle for draining to prevent any water trapping and to help limit odors. He also recommended using Affresh or other Dishwasher Cleaner monthly to help keep the dishwasher clean. Al didn't have to make these last two recommendations but he did. He is a true professional.

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      Verified purchase
      CoverageTechPunctuality & SpeedMaintenanceStaffHonesty & Transparency

      Reviewed Feb. 25, 2026

      The technician who came out to service my plumbing problems was honest, direct, knew his job like a real expert, showed me some problems. It's clear the last technician sent by HomeServe did not address some of the problems that should have been addressed. All he wanted to do have me put a hole in my wall, under my kitchen sink. They were asking me to do. that they said they don't do. How is it a plumber whose job is to repair pipes behind walls. And HomeServe they were supposed to be the professionals did not tell me cast iron pipes were needed to be replaced. They sent me someone who couldn't clear my drain. It's clear to me they just didn't want to repair my kitchen pipes. Wanted me to make a bad problem worst by asking me to put a large square hole.

      The Clearwater professional sent out by Choice made a complete, honest assessment and knew what exactly that had to be done. He open my drain but also told me I had a big problem with my cast iron pipe under the house. I needed new pipes and just didn't want to leave me a disabled heart patient with a problem that needed addressing right away. The last plumbing company before Clearwater did not fix anything. Left me with a clogged kitchen with very slow drain that I couldn't use my washing machine or dishwasher without water backing up in kitchen sink or from the washing machine forcing water back up out of the pipe behind the washer. I for a whole month could only use my dishwasher. It made the water back up in the kitchen sink and not make water shoot out of the back pipe.

      I thank Clearwater professional for letting me know I had other issues. The problem was not fixed but cleared my drain that I could use my washing machine and wash dishes. I thank you Clearwater. You are a honest and true professional. I can clearly see that HomeServe company I had plumbing service with them also was not trying to fix my problem. Just leave me stranded and collect money.

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      Verified purchase
      Customer ServiceContract & TermsClaims HandlingCoverageTechPriceBillingRatesFollow-ThroughCoverage Limits

      Reviewed Feb. 11, 2026

      We were in Louisiana and Choice had the best price. If Choice didn’t give me a good deal, I wouldn't have signed a five-year contract with them. At the time, it was a $45 service fee whenever people came out. It's still good now. The only problem I have is that when I put in a claim, Choice will deduct the fee from my card or put a hold on my credit card. Then, they’re supposed to release it when the contractor comes out so the contractor can charge me. Sometimes that part doesn’t go smoothly. The hassle is when a contractor picks up the claim but doesn’t follow through. Then I have to call Choice and ask them to release the claim to another contractor, and make sure I’m not charged another $65 service fee.

      My experience with Choice Home Warranty has been 99% okay. There are a few things that I wish the warranty covers, but it doesn't. I also wish I had better contractors. We've had several no-shows and there are some electricians that I refuse to use if they pick up a claim. I've got a claim right now, and the first person for plumbing and I couldn't reach an agreement on a time. So, I asked him to release the claim.

      Somebody else picked up the service request, and they were supposed to be at my house yesterday between 3:00 and 7:00. I called at 6:30 and the guy was still on another call. He was supposed to call me back to let me know if he was gonna be able to make it out there. I stayed up until 11:00 PM and got nothing, but they texted me this morning wanting to reschedule. So, we rescheduled for Friday. We'll see if they show up then. When we lived in Louisiana, we didn't have this problem with the service callers. But it may be better in other people's areas than here because we are in a small, rural area. So, they should give Choice a try.

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      Customer ServiceCoverageTechPriceRefunds & PayoutsMaintenanceBilling

      Reviewed May 2, 2026

      Reported an issue to them with my air conditioning. I went without air conditioning in the Phoenix Heat for over 3 weeks. A poor dog sitting at home. I'm home. I'm an elderly. They kept claiming issues with communication. Finally got through to them and somebody come out. He agreed that there's something wrong. He charged me $100 or whatever it was. He submitted the bill, I paid $100, they were supposed to give a an award for towards my repair. The air conditioning company repaired that was going to repair the AC unit needed more money than they offered. They needed $1,250 and Home Warranty company offered 500.

      I had a second opinion down there and outside company. The 1250 was pretty standard in the industry for that. We complain to Home Warranty the air conditioning company and myself both and to add more money to the claim for service and they would not do it. They stood on their 500 dollars. I kept requesting it three or four more times. They wouldn't of it so I stopped, did not have any service done with them.

      I called a company in Phoenix within 3 hours. They're here within a half hour. They repaired it same amount of money the other company was going to charge me. Try to get my money back from Choice home warranties for $500, they said they would allow to have the repair done. They won't even give me that now and I'll tell you that's BS and I have complained more times than ever with them and they just said, "We'll give you a hundred dollar credit towards another service." that's BS.

      This company does not belong in business in the United States. It has been gone after by the Arizona State General's office Attorney General. It's gone. Several other companies have been after them. It's been anybody and everybody in this country has complained about them. Over 11,000 negative reviews. Check them out. Don't go there

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      Verified purchase
      MaintenanceStaff

      Reviewed May 1, 2026

      I have had previous experience with Choice Home Warranty and was very pleased with the service and the person who fixed the problem. Very professional and helpful. Oh yes he was also very careful and clean with his work.

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      Verified purchase
      CoverageTechPunctuality & SpeedStaff

      Reviewed May 1, 2026

      Plumber came to service my toilet very professional, kind, prompt and efficient. No mess either. Explained what he thought was wrong and replaced a part and said that there is a 30 day warranty. Very good service, highly recommend.

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      Verified purchase
      CoverageTechPunctuality & SpeedMaintenanceStaff

      Reviewed May 1, 2026

      Thank you for sending a technician out quickly to fix my AC unit. Also, sending a technician to fix our outlets. Both technicians did a superb job. I would definitely use Michael Bankhead/AC, and Hopper Electric again if and when needed. Thank you again for your help.

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      Verified purchase
      TechPunctuality & SpeedRefunds & PayoutsStaff

      Reviewed April 30, 2026

      Great. Fast. Keep up the good work. Could be little faster find a service technician for my area of the country. Everything worked out all right. I have one question. When am I going to receive my gift card from Lowe's?

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      Choice Home Warranty Company Information

      Social media:
      Company Name:
      Choice Home Warranty
      Company Type:
      Private
      Address:
      1090 King Georges Post Road
      State/Province:
      NJ
      Postal Code:
      08837
      Country:
      United States
      Website:
      www.choicehomewarranty.com

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