Choice Home Warranty Reviews

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About Choice Home Warranty

Choice Home Warranty 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

Featured 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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Choice Home Warranty coverage and plans

Choice Home Warranty has two coverage options: the Basic and Total Plans. You can customize either plan with several add-on options.

Both plans cover household items regardless of age. Coverage usually begins 30 days after enrollment (unless you can show proof of prior coverage showing no lapses). Plans typically last one year.

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:

  • Call or log in to the online account center to request service as soon as you notice a problem.
  • 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.
  • A contractor arrives to repair or replace your broken system or appliance. You pay the service call fee of $100.

Why would a 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.

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

What is Choice Home Warranty?

Choice Home Warranty is a home warranty company that 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.

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

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.

Can I cancel my Choice Home Warranty plan?

Yes. 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 ServiceContract & TermsCoverageTechPriceRefunds & PayoutsStaffBilling

    Reviewed Jan. 19, 2026

    This review is for Claim #** for our hot water heater. The bottom of the tank had rusted out and needed to be replaced. We discovered orange water all over the area in which the water heater was located in our garage. Some of the water had run into the garage storage room also. I submitted the claim on 1/11/2026 and needed to have the replacement ASAP, as we were hosting a Missionary family for a week beginning 1/13/2026, and would need hot water for bathing, laundry and doing dishes.

    CHW assigned the job to TB Plumbing but said the earliest date for the tech to come to our home was going to be 1/14/2026. I called TB and CHW also sent an emergency request to TB Plumbing to work us in on 1/12. Even though it was a Sunday, TB Plumbing called and said they could get a tech to us on the 12th! This was great news, but there was a caveat. In order to get authorization for the replacement, it would still take as much as 2 days for TB to send the diagnosis to CHW, get approval and install a new water heater.

    When I told them this needed to be done ASAP, TB had me send photos of our heater with all necessary information - make, size, model, serial #, as well as the damage. They offered to get a tech to us, bring the replacement heater on the 12th, but that we would have to pay up front for the entire job. A cost of ~ $1600. They would then submit the bill to CHW and whatever CHW would pay they would reimburse to us.

    While I greatly appreciated TB's willingness to get this job done when we needed it, they also said there would be additional expenses in that cost that CHW normally does not pay that would end up costing us ~ $600 out of pocket! Because I couldn't be certain of a more exact amount CHW would pay, and since my husband and our neighbor have replaced water heaters in the past, and since we have a tight budget, which is why we have contracted with CHW, and rely on CHW to help us with these kinds of issues, we opted to purchase a water heater from Home Depot and install it ourselves. I contacted CHW and was informed that they would reimburse us, but I have yet to find out how to submit the necessary information to CHW for this reimbursement.

    In summary, I greatly appreciated all the help TB Plumbing gave us, as well as the respect and pleasant attitude. They totally understood that we needed to be assured of what CHW would cover. I would highly recommend TB Plumbing and will contact them again for future plumbing needs. I am withholding my review of CHW for this project until I get reimbursed for our water heater. I believe we saved CHW $500-$600 by doing this ourselves, so there shouldn't be a problem. Stay tuned. NOTE: If you publish this, please do so in its entirety, including my comments on CHW. Thank you.

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      Verified purchase
      Customer ServiceCoverageTechRefunds & PayoutsStaffRates

      Reviewed Dec. 23, 2025

      First, I am not one who likes to do all of my communication via a computer or AI. And that is what happened with my claim. I was not able to speak to anyone from CHW and to this day still have not. I called and had to leave a call back number but did not receive a call back. Aside from that, things went pretty well, I guess. The tech came out, which I was concerned about since out of 220 plus reviews for this company, 140 plus were rated as a 1 review with 5 being the best.

      Needless to say, I was a little concerned and when I called again, I could reach no one. I had to communicate via the computer on the site, and they suggested I call the company they were sending out. Which I did and the receptionist seemed so nice that I thought I would go ahead and give them a try. The technician came put and was very nice and competent. Turned out my only problem with my dishwasher was that after 16 plus years the plug had come loose from underneath the cabinet and that was all it was, but he found the problem, fixed it right away and didn't give me any runaround or suggest additional not needed services.

      So in a nutshell; I appreciated the tech, feel like an idiot for not checking the plug, even though I couldn't reach it, am hoping this claim will not cause my rate to go up since there wasn't actually anything wrong, and really dislike not being able to speak to an actual human being with my concerns. But in the end my situation was solved even though it was not in a manner in which I would have preferred. I think one should be able to reach someone to talk about problems should they arise especially when one has been paying for the possible need of a service for over a decade of more. If the tech had been here and I didn't like what was being done there would have been no one to get ahold of to express my concerns. Other than that, all worked out. So, I am giving CHW 4 stars as the problem was fixed, in a timely manner and I did like the technician. But their communication I didn't particularly care for.

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      Verified purchase
      Customer ServiceCoverageTechPricePunctuality & SpeedRefunds & PayoutsMaintenanceStaffBillingRatesWait Time

      Reviewed Dec. 15, 2025

      I've had a home warranty plan thru Consumers Energy for the past 15 years. I've always had great service from them, and I thought I was fully covered and at a great rate. Unfortunately, I just found out that Consumer's has farmed out their appliance service plans to another company, with no notice to me. If I WAS notified it had to have been thru some small piece of paper wedged in with all the other unnecessary papers we get every month. Something like this deserved better handling. But, that aside, I just had an awful experience with this 'new' 3rd party contractor. That led to me looking online, as there are new companies popping up every day, it seems. I hadn't investigated other service provider options before, mostly because I'm a creature of habit. If it's not broken, don't fix it, right? Well, it broke.

      I did a quick search online for high quality providers of home warranties and Choice Home Warranty popped up immediately as the #1 provider in my area. The BBB rates it very high, as well. What I also discovered was that the "Premier" Choice Home Warranty plan that I chose covers quite literally everything you can think of. NO parts OR labor charges, EVER. The only 'downside,' if it can be called that, is that there's a $75 deductible for each claim. But if your home's AC system is broken beyond repair, in August, getting a brand new unit for a $75 deductible seems pretty fair to me. Now the BEST part is that the monthly payment for their "Premier" service plan (they offer only two) which, again, covers virtually EVERYTHING you can think of - but always check for yourself - is nearly HALF the cost of what I was paying for coverage thru Consumers, and for HALF the coverage.

      I don't understand how anyone can afford to go without this coverage, as a homeowner in today's economy. When I just spoke to Choice Home Warranty to finalize everything, I spoke with a young man named Ivan. He was beyond helpful and took his time to explain things to me in a way I could easily understand, without ever giving me that annoying "salesman's push," so many others use. I don't know if you're able to choose to speak to Ivan, but if you call them you should at least try! I'm fairly sure you'll feel the same as me. Oh, one last thing...there IS a 30-day wait period for your plan to kick in, and you can even cancel at any time. Anyway, Merry Christmas to ALL!

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      Verified purchase
      Customer ServiceContract & TermsClaims HandlingCoverageTechPunctuality & SpeedStaff

      Reviewed July 23, 2025

      Our A/C compressor failed July 17th and I filed a claim July 18th. I received a notice that due to the extreme weather they were unable to dispatch a Technician service within the usual 4 hour period. We received notice on July 19th that a technician service, Tempchangers HVAC, had been assigned and they would contact us prior to arrival on July 19th. I was out of cell phone coverage for a while on the 19th so I forwarded the information to my wife so she would be aware of their arrival.

      Unfortunately CHW did not have my wife's phone on record and consequently neither did the service technician. She was unable to reply to the technician's call that day and therefore they never showed up. My wife tried contacting CHW by phone and by the website. CHW denied her inquiry because her phone number wasn't on the contract. She tried a second time with my phone number, but still was unable to establish any meaningful conversation.

      On July 21st I tried contacting Tempchangers HVAC unsuccessfully because they don't have means to leave messages outside their M-F, 9-5 hours. I also texted them to have them call me. I never received a reply from Tempchangers HVAC. Then I contacted CHW and discovered they did not have any contact information for her even though her name is on the contract. I gave CHW her information, but only her phone number could be listed as a secondary contact and not an email address.

      CHW set up another appointment and on July 22nd a technician contacted us by text approximately thirty minutes prior to arrival. He was polite and professional. The technician diagnosed the initial problem as a burned out fan quickly. He will perform a full diagnostic once the fan is replaced. Now he has to wait on CHW to approve the replacement of the fan before he can purchase the new fan. The fan is required to test the compressor.

      It is now July 23rd, now 5 days and we still have no A/C for comfort and protection to endure the high 90's and 80% humidity. Now we are concerned about the possibility of mold and mildew damage. Now we are looking at least a 6th day if replacement of the fan is approved and the technician can find a replacement. Then he will have to test the system to ensure there is no potential damage to the compressor. CHW should have ensured that there was a secondary contact information for my spouse who is included in the policy. CHW only allows provision for a secondary phone number, but no email address. Those two arrangements would have possibly reduced downtime by two days. I have supplied my wife's contact phone number to CHW and to Tempchanger HVAC in the event they are used again.

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      Verified purchase
      Customer ServiceClaims HandlingTechPricePunctuality & SpeedMaintenanceStaffRates

      Reviewed Feb. 15, 2025

      Updated on 12/18/2025: Issac technician was professional, polite, very informative of constraints required by the home warranty company. Did apologize that with the replacement home warranty company would not allow the replacement pushbutton located inside the house. After troubleshooting the old pushbutton was not compatible with the new garage door opener. I had the garage door repaired in January of this year. By programming a new remote I was told the replacement remote was not comparable with the Craftsman opener. I had a family member using my garage for Storage so I didn’t use the remote until recently to find out the remote didn’t work. I called to have the opener repeated since now I have access to the garage.

      Yesterday I was told it appeared the control panel was defective and would requires replacement. Your technician had all he need to make repairs on the truck and completed all repairs in about 90 minutes. When he added the inside pushbutton there was some programming issue. I was grateful I choice to have him make the installation. I will admit I am a little disappointed being chargeed a second deductible and the addional $50 the complete the replacement of all functions of the garage door opener. When I made the appointment I was asked to pay my deductible to secure my appointment. I received an email saying my claim was being reviewed yesterday before the repair could begin. Payment was paid. Repairs made. Hopefully you can understand I feel this was a double dip on the repairs cost as well the additional charge for the second pushbutton installation. This did not appear a straight replace the pushbutton installation.

      Original Review: I recently had the opportunity to work with Choice Home Warranty, and I'm extremely satisfied with their service. I’ve had experiences with various companies, but Choice clearly stands out for its product and service offerings.

      Submitting a claim with Choice Home Warranty was incredibly easy. I did it over the phone, which made the process simple and straightforward. On one occasion, I needed to have my garage door opener repaired. After my call, they checked their availability and had someone out about three days later. The technician ordered parts that took about a week to arrive, but once they were in, the repair was completed without any issues. This whole process not only met but exceeded my expectations, especially after some challenging experiences with another company, Cinch.

      In comparing Choice to Cinch, there is simply no comparison; Choice is far superior. If I were to rate my experience with Choice Home Warranty, I’d give it 5 stars. The customer service has been exceptional, and the quality of service I received was top-notch. Additionally, from a pricing perspective, I feel like I’m getting excellent value for the cost.

      Overall, I highly recommend Choice Home Warranty to others.

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      Customer ServiceCoverageTechPunctuality & SpeedMaintenanceStaff

      Reviewed Feb. 8, 2026

      I turned Choice Home Warranty in to Better Business Bureau because they would not stand behind their warranty. They have been stalling since last April waiting for my policy to run out. They refuse to listen to the 3 technicians that said my refrigerator was not fixable. So they wouldn’t replace it, they just closed the claim and I had to keep reopening it and repaying the $75 dollars. That’s what they told BBB for me to do now why would I? The claim was never solved and should never had been closed. They should have replaced the broken refrigerator but I heard nothing from them except to open a new claim!! The technician were great. CHW was terrible and should be noted as such.

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      Customer ServicePriceRefunds & Payouts

      Reviewed Feb. 5, 2026

      Do not I repeat DO NOT get services with this company. They will do anything in their power not to have to pay. In 5 years several home issues, only 2 issues addressed. I informed them last year I did not want to renew this year. They charged me! I called to tell them to that, "I didn't want to renew. Why was I charged!?" I was told they can cancel my services effective immediately but I can’t get a refund. Wtf crooks.

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      Verified purchase
      Customer ServiceTechStaff

      Reviewed Feb. 5, 2026

      I have had Choice Home Warranty for a couple years now and the couple of times I need to have something repaired they were excellent. Easy to open and follow your claim online and with associate on the phone. The contractors they send are courteous and very knowledgeable and have not disappointed me. This has been the only home warranty company that I have ever dealt with and have had such smooth transactions with. I would highly recommend Choice Home Warranty to everyone I know and I have.

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      Verified purchase
      TechStaff

      Reviewed Feb. 5, 2026

      The technician was great. My one star review is for Choice Home Warranty. I made my claim at 10 am on 1/29. My claim was not picked up until 2/3. We had NO HEAT in our house with an infant. Seriously questioning my choice of warranty companies and will be looking at others.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Feb. 5, 2026

      The customer service rep was very helpful and understanding, our appointment was to be on the 3rd of this month but the power company was working on our power lines, they needed to shut the power off all day to complete their work so your rep changed my appointment until today. Thank you for being so helpful.

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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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