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 Rating4.0 out of 5
See all 57,284 reviews

About Choice Home Warranty Reviews

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
    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 ServiceClaims HandlingCoverageTechPriceRefunds & Payouts

      Reviewed Nov. 8, 2022

      The Choice salesman that I talked to gave me a deal I couldn't refuse, and that is I pay less than $300 a year for each of my properties, but I did have to take six years’ worth. So I wound up paying $14,000, and then I was covered for six years on eight properties. But we had some real problems with having somebody come out and work on our air conditioning. But sometimes they're not bad, sometimes they're a little bit longer than I wish they would be.

      When the hot water heater was not working in one of my rental properties, the technician said, "You need a couple of parts. I'll be back tomorrow with the parts." Then I got a call and I was told that I need a new hot water heater. I got a notice from Choice Home Warranty to say that the hot water heater had a leak, and leaks are not covered. So I called back to the tenant and said, "Hey, what's going on here? I thought you said he just needed a couple parts." He said, "That's what the technician said."

      I called over to the office, and I had this young whippersnapper tell me in her professional opinion that I needed a new hot water heater. I said, "First of all, your technician said I needed a couple of parts." She said, "Well, it's so old, it's already 12 years old, I can't be putting more money into it." I said, "Let me tell you something. Well, the price would cost me nothing because I have a warranty on it. But you want me to spend $4,000 to put a new gas water heater in? Are you out of your mind." Then she said, "Well that's my professional opinion." We went round and round.

      I tried to get Choice Warranty to listen to me, but they really didn't do much. They assigned me to one of those upper people, and that person never responded to me. It took so long before I ever heard from anybody that in the meantime, the tenant said to me, "Hey, you know what? My gas stove isn't working either." But he didn't realize it for a week because he's out all the time, and he didn't know his stove wasn't working. It turned out that it didn't have anything to do with his stove. It was his meter that was no good, and they had to fix his meter. But that young snot nose at the place was arguing with me and yelling at me and telling me I didn't know what I was talking about.

      The bottom line is that Choice didn't do me any favors either because they said that they assigned this person who never responded to me. We had another incident where we've had a refrigerator that was going, and it was $1,200 to replace the refrigerator. They were only going to give us 600. I said, "Wait a minute, the identical model is 400 bucks." We went round and round on that. After six months, they sent us a check for $600.

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      Customer ServiceCoverageTechSales & MarketingPunctuality & Speed

      Reviewed Oct. 18, 2022

      I recommend the repair service man that came to my home for the prompt service he provided me. I was going on a trip (October 13, 2022) and my dryer had a squeezing noise and burning smell while drying my laundry on October 10, 2022, so my husband made a call to Choice Warranty to have my dryer repaired before we leave for our trip. The original date that the repairperson was to come to my home was October 17, 2022, but we needed the repairperson to come earlier so he called customer service to see if it could be rescheduled to an earlier date due to our short notice and we were going on a trip to the mainland.

      Apparently, the repairperson called my husband that he could do the repairs on October 12, 2022 after he got through with the customer in Kapolei and since he was in the area he would be able to do the work. He gave my husband a certain time he would be at my home and saved me from taking my laundry to the laundromat that was pretty far away from my home. My husband talked to the repairperson to see what else had to be done with the dryer after he got through fixing the problem and the repairperson said that he needed to change the heating element and will order the element and my husband will call the repairperson when we get back from our trip.

      The repairperson went out of his way to complete my job and I would recommend the service to anyone who is looking for a warranty company. We got your company by the advertisement on TV and decided to try it out and we like it. We had Sears Warranty before because my husband was working for Sears. Their service was also good but they only did repairs on certain things and we wanted something that covered the whole home such as plumbing, electrical, air condition, refrigeration, etc. So I would recommend your company to my 2 sons should they be looking for a Home Warranty Company. Thank you and ALOHA.

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      Reviewed Sept. 19, 2023

      The pool tech that came out was very friendly, professional and did a great job diagnosing my problem. Even though the problem was diagnosed as a warped pump housing due to 23 years of use and normal wear and tear, Choice decided that it was NOT normal wear and tear and wouldn't cover it. This is the 4th time they have denied me for ridiculous reasons. The tech on the other hand (this time) was amazing. A true pleasure to work with.

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      Reviewed Sept. 19, 2023

      Mr. Joy was a pleasure to work with and was very helpful in helping me purchase my new home policy with Choice Home Warranty. I hope that the policy is as good as what I feel it will be. I appreciate all the help I received in trying to purchase a new home warranty with Choice Home Warranty.

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      Customer ServiceCoverageTechPunctuality & Speed

      Reviewed Sept. 19, 2023

      The technician from A&E (Sears) was prompt, called prior to arrival and arrived at the time he told us. Getting Choice Home Warranty to send the right technician was a NIGHTMARE! They kept assigning the repair to electricians even though I told them via their website and on the phone that there was electricity to the appliance it needed repaired! They even told me numerous times it was not covered although in the contract agreement my appliance was listed and said ALL PARTS AND COMPONENTS COVERED! Would give Choice 0 stars if possible. Technician 5 stars.

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      Punctuality & Speed

      Reviewed Sept. 19, 2023

      Isaiah ** from Just Cooling was great, very honest, reliable and knowledgeable as he took great care of our AC unit and our home. Was on time and show us how to replace our filters every month to have our unit nice and working. We have notice a difference in our AC that cools and refreshing. We appreciate that both our units are working properly thanks to professionals like Isaiah.

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      Punctuality & Speed

      Reviewed Sept. 19, 2023

      I bought a home warranty for my aging mother’s home so I could get a repairman in to fix appliances if there were problems. I’ve used Choice Warranty for about 6 repairs now, each time their service has been stellar. We’ve worked with the same repair shop each time and they’ve been prompt, courteous and professional and most important - fixed the problem each time. I’ll be renewing with Choice Warranty when this policy expires. This has been a very helpful service.

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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