Choice Home Warranty (CHW) is a home protection plan provider that stands as one of the top players in the industry. The company demonstrates its commitment to customer service by assigning a small team of representatives to each account. Unlike other providers that may separate built-in systems and home appliances into different basic plans, both of Choice’s plans offer combination coverage.
After researching and reviewing dozens of home warranty providers across the industry, we determined that Choice Home Warranty is one of the best home warranty companies for homeowners seeking to protect their home’s essentials. We based this recommendation on the company’s plan options, the quality of its customer service, the clarity of the service agreement, and other essential factors we uncovered in our research.
Fast Facts About Choice Home Warranty
- Founded: 2008
- State Availability: 49 (all but Washington)
- Service Fee: $85
- Number of Plans: Two
- Get a Quick Quote: Visit site
Upsides and Downsides of Choice Home Warranty
Here are a few pros and cons for homeowners considering CHW:
| Upsides | Downsides |
|---|---|
| Customers can skip the intial 30-day waiting period if they can show proof of previous coverage without any lapses. | Pending legal action may dissuade some customers. |
| 90-day workmanship guarantee for parts | Roof-leak coverage is limited to $500. |
| A small team of representatives monitors an assigned set of accounts to ensure that claims and concerns are addressed promptly. | -- |
Choice Home Warranty Coverage Options
Choice Home Warranty offers two combination plans: the Basic Plan and the Total Plan. The Basic Plan covers 14 built-in systems and appliances, and the Total Plan expands that package to a total of 18 covered items. In addition, the provider offers a suite of nine optional coverage items, including limited roof leak, sump pumps, and stand-alone freezers.
CHW extends a 90-day workmanship guarantee for parts and a 60-day guarantee for labor, which means the service provider will return to repair or replace a previously serviced item within the guarantee period.
Basic Plan
The Basic Plan covers a combination of built-in systems and appliances, including your heating system, electrical system, plumbing system, plumbing stoppages, water heater, whirlpool bathtub, oven/range/stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener, ceiling and exhaust fans.
Total Plan
The Total Plan covers all items in the Basic Plan, plus your clothes washer, clothes dryer, air conditioner, and refrigerator.
Optional Add-ons
You can also choose to add optional coverage to your plan for these items:
- Pool/spa
- Limited roof leak
- Stand-alone freezer
- Central vacuum
- Second refrigerator
- Well pump
- Septic system
- Sump pump
- Septic tank pumping
Choice Home Warranty Pricing
Our quote for a single-family home smaller than 5,000 square feet in Scarsdale, New York, was priced at $50.76 for the Basic Plan and $59.34 for the Total Plan. It’s important to note that your pricing will vary depending on your address and if your home is larger than 5,000 square feet.
CHW always charges an $85 service call fee when you file a claim.
Choice Home Warranty Reviews
We listened to more than a dozen customer service calls as part of our research of Choice’s home warranty plans and customer service. We were impressed with the quality and patience of each customer service representative’s explanations to questions about how a home warranty and homeowners insurance differ, as well as the ease of setting up a policy if the customer decided they were interested.
It’s necessary to mention that Choice Home Warranty is currently part of a class-action lawsuit in Arizona. The lawsuit alleges that the company routinely failed to communicate with customers throughout the claims process and denied claims that customers thought would be covered. When we reached out to the company for comment, a representative told us that more than 90% of 1.1 million claims had been approved in 2021.
Nonetheless, to avoid denied claims and potential confusion, we recommend customers carefully review the user agreement and familiarize themselves with their policy’s limitations and exclusions.
We read more than 600 reviews and pulled the ones we felt spoke to the common upsides and downsides of Choice Home Warranty. Below you’ll find a few customers’ experiences with the company, which highlight the convenience of connecting to customer service agents and the quick claims response time, as well as some of the realities of waiting for a part to be ordered before it can be replaced.
Even though I’ve only had a few calls with Choice Home Warranty, it is always easy to get in touch with my account manager or another representative… no long wait times or confusing automated systems. The reps are super helpful and always professional. Looking forward to doing business with you all. Keep up the great work! —Emanuel Walker via Google Reviews
The gentlemen who came were helpful and informative. The insurance should allow them to carry some tools and address some of the issues if they are small and respond to the bigger issues at a later time. I understand the bigger items take more consideration, but the small ones should be repaired quickly while the workers are in the home. —Yvette Ramos via Google Reviews
Great experience with Choice Home Warranty. My hot water heater went out. [The] next day, a technician was at my home. He put in the order to replace my water heater, and their response was immediate to approve my order. —Harmony Zon via Google Reviews
In the [five] times I’ve used Choice, [four] out of [five] times, parts had to be ordered (rather than having them on the truck) and a second visit was required. This may be how the system is designed to operate—it sure reduces [money] tied up in parts inventory—but depending upon the system affected, the wait to complete the repair can be irritating. —Weston J Waugh via Google Reviews
How Choice Home Warranty Compares to the Competition
Here’s how CHW compares to other home warranty companies:
Our Recommendation
Choice Home Warranty is an excellent option for customers who want to work with a company that quickly initiates service, provides a personalized customer service experience that’s available 24 hours, and covers their home’s essential items. Choice Home Warranty is available nationwide in all U.S. states except Washington and currently partners with more than 15,000 service technicians.
To request a personalized quote from Choice Home Warranty, you can use this simple online tool.
We also urge you to contact at least three home warranty providers to make sure you find the one that best fits your needs.
Choice Home Warranty FAQ
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on customer-review analysis and interviews with industry experts.
During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor, upgrade your coverage package, transfer your plan to another owner, and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.
Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. Therefore, we determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.