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Choice Home Warranty Review – Should You Buy?

Choice Home Warranty is a reputable company that provides comprehensive coverage to homeowners. It protects against the high cost of repairs and replacement of essential appliances and system components.

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Pros & Cons


  • Free re-service for failed repairs within 90 days
  • Covers old systems and appliances
  • Affordable monthly plans
  • 24/7 customer assistance


  • It doesn’t offer coverage in Washington and California.
  • No choice of contractors

We all know how costly repairs and replacements of appliances can be. And the worst part is you can’t predict when such components will fail. The thought of your AC unit malfunctioning during sweltering summers is just too scary. But it can happen.

If you want to avoid such scenarios, you should get a home protection plan. This type of plan is a service contract that can save you from paying high out-of-pocket expenses on repairs and replacements.

But where do you get a reliable home warranty?

When you need a home warranty, you must pick a top provider. Choice Home Warranty (CHW) is among the best home warranty companies in the market today. Read on.

Our Choice Home Warranty review will detail whether this service contract is worth it.

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Quick Summary

Service: Home Warranties

Pricing: starts at $50 per month

Promotion: First month Free

About Choice Home Warranty

Founded in 2008, Choice Home Warranty has been providing home warranty services for more than a decade. Although its headquarters are in Edison, New Jersey, it renders assistance in all states except California and Washington.

Choice Home Warranty Coverages

There are a variety of products that CHW covers under their plans, including:

  • Heating system
  • Plumbing system
  • Air conditioning system
  • Electrical system
  • Dishwasher
  • Garbage disposal
  • Ceiling and exhaust fans
  • Oven/Range/stove
  • Garage door opener
  • Built-in microwave
  • Cooktop
  • Ductwork
  • Refrigerator
  • Clothes dryer
  • Clothes washer
  • Plumbing stoppage
  • Whirlpool bathtub
  • Water heater

Optional Coverage

CHW offers optional coverage for the following through add-ons that you can combine with a typical warranty:

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

Limits and Exclusions

CHW covers almost all components and parts of major appliances. However, there are exemptions.

Below are some items it excludes from its coverage:

  • Outside/underground piping
  • Window units
  • Water towers
  • Refrigerant line sets
  • Thermal expansion sets in water heaters
  • Door and door track assemblies
  • Chimneys
  • Pellet stoves
  • Inessential items like handles, knobs, and rollers

You can find the complete list of excluded items in CHW’s user agreement.

Repair Period

According to our Choice Home Warranty review, this company grants authorization to repair requests within 4 hours. This period may be shorter in the event of emergency repairs.

It may also be longer depending on the availability of independent contractors.

Pricing & Plans

CHW offers two levels of coverage; the Basic Plan and the Total Plan. Warranty coverage begins 30 days after a customer pays. This gap means you enjoy free CHW services for the first month.

Basic Plan

The Basic Plan will cost you roughly $600 per year, depending on specific elements. This plan covers essential systems and appliances except:

  • Air conditioning systems
  • Refrigerators
  • Clothes washers
  • Clothes Dryers

Total Plan

The average cost of the Total Plan averages $700 per year. This plan provides comprehensive coverage on almost every appliance and system, including the following:

  • Air conditioning systems
  • Refrigerators
  • Clothes washers
  • Clothes Dryers


CHW allows homeowners to choose optional coverage at an additional cost. The optional coverage may cost $40 to $180 annually, depending on the add-ons you pick.

Here’s a breakdown of the average annual cost of individual add-ons.

  • Pool/spa - $180
  • Septic system - $120
  • Well pump - $100
  • Septic tank pumping - $65
  • Limited roof leak - $70
  • Second refrigerator - $40
  • Sump pump - $40
  • Stand alone freezer - $40

Service Fees

Each claim you make requires an $85 service call fee. This fee isn’t part of the repair or replacement cost. According to CHW, you should pay this fee to the technician that comes to your home.

Coverage Limits

The coverage limit varies depending on the contract items. For example, the payout cap for a pump can be $500. Overall, CHW can only pay a maximum of $3,000 per contract item.

You should expect to shoulder expenses that surpass this payout cap.

Cancelation Fees

You’re free to cancel your contract if you’re unsatisfied with CHW coverage.

If the cancelation happens within the first 30 days, CHW won’t impose a cancelation fee. However, if you cancel your contract after this period, a cancelation fee of $50 will apply. This fee is among the lowest in the home warranty industry.


Is Choice Home Warranty legit?

Choice Home Warranty is a legit and well-known company. It has headquarters in New Jersey, and in case of irreconcilable disputes, you can file a lawsuit against the company under the laws of New Jersey.

CHW has managed over 4 million claims and is available in every state except Washington and California.

How do you request a service for repair?

You can request a repair service either online or via a call. To make an online repair request, navigate to the Account Center, and provide the necessary info. If you prefer to make a service request via call, use CHW’s toll-free number, 1-888-531-5403.

Who are the contractors Choice Home Warranty works with?

Choice Home Warranty works with qualified, local, independent contractors. The wide range of contractors includes HVAC technicians, plumbing experts, electricians, roof repair technicians, to name a few.

The company pre-screens all the contractors to ensure they provide excellent repair services. However, it doesn’t allow homeowners to pick their contractors.

Are there discounts available for multiple properties?

We couldn’t determine whether CHW offers discounts on multiple properties. That said, this company offers a $30 discount when you subscribe to the annual plan. It also runs seasonal promos on their plans.

Is It Worth It?

This Choice Home Warranty review recommends CHW to homeowners. It’s hard to look past this company since it offers affordable plans, extensive coverage, low service fees, minimal claim denials, and 24/7 customer service.

Sign up to Choice Home Warranty today, and keep your appliances running efficiently.

Choice Home Warranty

Choice Home Warranty plans offer comprehensive protection against the high cost of repair or replacement of properly maintained major systems and appliances.

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  • Editor Rating
  • Rated 4.5 stars
  • 80%

  • Choice Home Warranty
  • Reviewed by:
  • Published on:
  • Last modified: September 7, 2021

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