A home warranty can save you thousands in repair and replacement costs – especially for major systems and appliances that break down unexpectedly. In this review, we break down everything you need to know about Choice Home Warranty’s plans – how they work, what they cover, and why many homeowners choose them for peace of mind.
What Is a Home Warranty – Fast Explainer
A home warranty is a service contract that covers the repair or replacement of home systems and major appliances due to normal wear and tear. You pay a monthly or annual premium, plus a service call fee when you request service. A warranty protects your budget from costly unexpected repairs.
Choice Home Warranty: At a Glance
- Available in: All U.S. states except Washington.
- Plans: Basic Plan and Total Plan.
- Service call fee: Typically a flat $100 per visit.
- Coverage limits: Up to $3,000 per covered item per contract year.
- Support: 24/7 claims support and online account management.
👉 Tip: Many customers receive the first month free when they prepay for annual coverage.
Plan Comparison: Basic vs Total
Choice Home Warranty offers two straightforward plan options so you can choose coverage based on your home’s needs.
Basic Plan
- Covers essential systems like:
- Heating
- Electrical
- Plumbing
- Water heaters
- Kitchen appliances (oven, range, dishwasher, built-in microwave)
- Garage door opener
- Ceiling/exhaust fans
Total Plan
- Includes everything in the Basic Plan plus:
- Air conditioning system
- Refrigerator
- Washer and dryer set
💡 Monthly costs: Plans generally range from ~$45 (Basic) to ~$55 (Total), but your actual rate depends on your ZIP code and home size.
Optional Add-On Coverage
Need extra protection? Choice offers add-ons to tailor your plan:
- Well and sump pumps
- Septic systems & pumping
- Pool/spa equipment
- Limited roof leak coverage
- Second refrigerator or standalone freezer
- Central vacuum
Selecting add-on coverage ensures even more peace of mind for the parts of your home that matter most.
Coverage Limits & Policy Details
Choice Home Warranty typically caps coverage at $3,000 per covered item per year, which is competitive within the industry. Roof leak coverage is available with add-on limits (often around $500).
What’s Covered: Repairs or replacements due to normal wear and tear.
What’s Not Covered: Preexisting issues, regular maintenance, manufacturer defects, and physical damage are commonly excluded — so read your contract carefully.
Customer Experience & Support
- 24/7 claims support via phone or online portal.
- Choice aims to contact a technician within hours.
- A 60-day labor guarantee and 90-day parts guarantee are standard with most plans.
Why Consider Choice Home Warranty?
✅ Simple plan structure — easy to understand what you’re buying.
✅ Strong coverage limits make it a solid option if you want protection for big-ticket items.
✅ Nationwide contractor network connects you with professionals for repairs.
✅ 24/7 support and online claims make filing service requests convenient.
Compare: Choice vs. Competitors
While there are many home warranty providers to consider, Choice stands out for its combination of straightforward coverage and robust limits compared with some lower-tier competitors. For example, competitors may charge lower monthly fees but have smaller payout caps or complex tiered systems.
Frequently Asked Questions
Is a home warranty worth it?
A home warranty can be worth the cost if you want financial protection from expensive repairs, especially for older systems and appliances.
Can I choose my technician?
With Choice Home Warranty, technicians are assigned from their nationwide network.
How soon can service start?
Policies typically begin after a 30-day waiting period — standard industry practice.
Bottom Line
If you want simple, comprehensive coverage with solid limits and 24/7 support, Choice Home Warranty is a strong contender for homeowners seeking protection against unexpected repair costs.
Ready to protect your home?
Get a free quote from Choice Home Warranty