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Choice Home Warranty

4.35 Stars (13 Reviews)
Updated: January 19, 2023
By: Dr. Steven Rydin
Dr. Steven Rydin
Director of Product
As the former director of product, Steven oversaw Retirement Living’s product and marketing efforts for four years. His digital marketing expertise helped launch senior-focused buyer’s guides and a wide range of products surrounding finance, insurance, healthcare, and lifestyle. Steven holds a Doctor of Business Administration degree from George Fox University.
Director of Product
Edited by: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager

Choice Home Warranty offers coverage for most of your home's major systems or appliances, and can save you from unexpected out-of-pocket expenses due to normal wear and tear. To keep policies affordable (starting at $420/year), policies cover all or nearly all of your home's systems, but with specific exclusions. For additional coverage, warranties can be extended to cover your pool, spa, septic tank and other household systems.

Choice Home Warranty Logo

Editorial Breakdown

Service Quality 5 Stars
Affordability 5 Stars
Coverage 4 Stars
Customer Service 4 Stars

Overall Rating 4.4 Stars

Bottom Line

Choice Home Warranty offers affordable home warranty coverage backed by prompt and reliable repair professionals.

Comprehensive Choice Home Warranty Review

If you’re considering a home warranty purchase, it’s because you are interested in a level of protection from large unexpected expenses. A service agreement from Choice Home Warranty might do just that – and can save you money in the event your home’s appliances or major systems break down from everyday wear and tear. The New Jersey-based company offers warranties for homes in most states and is one of the most popular choices for buyers.

So how does Choice Home Warranty compare to other home warranty companies? We recently published a guide to finding the best home warranties and found Choice stood out for it’s commitment to customer service.


  • Affordable pricing
  • 24 hour call center
  • Vetted technicians
  • Appliance coverage built-in


  • Coverage limitations

Critically, they guarantee their repair work to fix the issue (both parts and labor). Choice works only with authorized service professionals who are able to do the work, document their work, and communicate back to you. All technicians are licensed and insured.

Choice Home Warranty plans

A Choice Home Warranty lasts for 13 months, and can be renewed from year to year as needed. The company offers two warranty plans, with the option to cover additional items though a la carte style pricing.

The entry-level plan, called The Basic Plan, covers some but not all of the home’s major systems. The Total Plan is their most comprehensive option, covering all the critical components of your home’s major systems and appliances. Both plans are managed with the same notable commitment to customer service. For a breakdown of the coverage by plan type, see this table.

Choice Home Warranty Plans
Covered in Plan Basic Plan Total Plan
HVAC Yes* Yes
Plumbing Yes Yes
Electrical Yes Yes
Appliances Yes** Yes

* Heating and Ventilation, but not Air Conditioning
** Excludes washer, dryer and refrigerator

The more comprehensive option (Total Plan) covers a home’s HVAC (heating, ventilation, air conditioning), including ductwork. It also covers plumbing, including the water heater (gas or electric) and garbage disposal. Moreover, Choice covers your home’s appliances, even those that are not built into the home. So refrigerators, the washer & dryer, even the microwave are covered. The home’s electrical system is covered as well. The company’s Basic Plan does not cover the A/C, refrigerator, or the washer/dryer.

Service agreements can be upgraded to include other household systems for an additional fee. So if your home has a pool or spa, there are coverage options for that. Moreover, if you live in a rural area and have a septic system or well system you can get coverage for that. Coverage begins 30 days after enrollment unless you can provide a certificate of coverage from a previous warranty provider, and then your coverage can be continuous.

Choice Home Warranty Costs

The company offers seasonal sales incentives, as well as discounted pricing to customers who request a quote. So while the final price may vary from one customer to the next, the retail price of their warranty is based primarily on two factors: plan type and the size of the home.

Choice Home Warranty Costs
Home Size Basic Plan Total Plan
Less than 5,000 sq. feet $420* $500*
5,000 sq. feet + $670* $750*

*Retail price on Dec. 29th, 2017. May be subject to changes or sales incentives. Contact choice for a current quote.

Choice Home Warranty coverage explained

Choice’s home warranties are affordable, despite their unusually high commitment to service. It seems the company manages its cost advantage by limiting the scope of their coverage to the most important – though typically most expensive – components of your home’s major systems or appliances. You can get a feel for what’s covered and not covered by reviewing Choice’s user agreement, which explicitly states items the company will not cover. As a good example, the company will cover leaky pipes but not clogged drains.

Coverage limitations

As mentioned, this comprehensive coverage does not include every facet of your home’s major systems. If a service professional determine’s your home’s repair should be billed to insurance, rather than to the home warranty, a warranty claim may be denied. For instance, if there is an earthquake and your pipes break, that is not a home warranty claim. Also, if the pipes burst because the home was not properly winterized and the pipes freeze, that is not a home warranty claim. Choice also mentions in their service agreement the company may elect to provide cash to customers in lieu of providing the repair service.

Choice Home Warranty Service Map

Service not available in CA, WA, or OK

Who should buy a Choice Home Warranty

There are two major buyer groups for home warranties from Choice. The first is home sellers or buyers. Because real estate is such a big investment, both parties in a home sale might be a potential home warranty buyer. Warranties are transferable if the house changes ownership.

Another potential customer group is those on a budget or on a fixed income. A home warranty can help to mitigate the risk of unexpected and expensive home repairs. Even if you aren’t on a shoestring budget, a home warranty might give you some financial peace of mind.

Choice Home Warranty Claims

In the event you need to make a repair, Choice Home Warranty contractually agrees to handle warranty claims 24 hours a day, 7 days a week. Choice also commits to promptly respond (within two business days), and to schedule service calls at a mutually beneficial time.

The FTC suggests warranty buyers should examine the claims process. If you have an issue, you can contact the Choice Home Warranty claims department at 1-888-531-5403. Choice will arrange for the repair technician to contact you. Alternatively, you can submit a claim online.
Choice will respond to your claim within two business days, and the technician will contact you to arrange a time for the service call. There is a $60 service call fee for each claim, regardless of the technician’s findings. You may be required to pay the technician for parts or service, and then be reimbursed by Choice Home Warranty.

Choice Home Warranty Complaints

The most common home repairs mentioned in reviews are related HVAC, plumbing, and appliances. Some customers (but not all) said Choice was prompt with service calls (even same day). Choice does explicitly say in their terms of service that the technician will arrange a time within two business days.

Choice Home Warranty Feedback

Most popular words in Choice Home Warranty’s online customer feedback

Other review feedback is often related to claims disputes, where customers believe they should be reimbursed for a denied claim. Choice has clearly elected to save customers money on premiums by offering coverage with specific limits.

These policies are intended specifically for normal wear and tear claims, and for specific components of most of your home’s major systems. Conceptually, Choice Home Warranties are more like an automobile manufacturer’s powertrain warranty than a bumper-to-bumper warranty. So the lesson here is to understand what you get before you buy.

Choice Home Warranty FAQ

  • Why are some Choice Home Warranty claims denied?
    Choice Home Warranty limits claims to wear and tear, so if a system is broken for some other reason (e.g. fire), it will not be covered. Choice also expects homeowners to properly maintain their equipment in order for it to be covered. If for example, a furnace breaks and it appears the filters have never been changed, that could result in a denied claim. Similarly, if pipes freeze because they were not properly insulated, this is not normal wear and tear.

  • Do you offer both new and existing home warranties?
    Yes. Home warranties can be purchased for any home, though typically new homes have longer-term warranties that are even more comprehensive. For instance, a new home warranty may cover superficial items like cracks in the drywall.

  • What are their credentials? Are they part of any trade organizations?
    Choice is not part of the National Home Service Contract Association or accredited by the Better Business Bureau.

  • Do I need a home inspection?
    No. You do not need a home inspection order to purchase a warranty from Choice.

  • Is Choice Home Warranty available in my area?
    Possibly. Coverage is not available in all states. At this time, policies are not available in California or Washington state.

  • Why does service matter for home warranty?
    Home repairs are generally expensive, frustrating and time-sensitive, so it’s important to get the job done quickly and right the first time. When your home’s systems break down, you don’t want to be stuck waiting for a service professional to come – or to come back if the repair wasn’t done correctly.


Overall, considering the service quality, affordability and the levels of coverage, Choice Home Warrranty is a good choice for a home service agreement.

13 Choice Home Warranty Reviews

Write Review
1 Star

January 25 2021 7:02PM

Choice Home Warranty is a waste of your money. I made the mistake of buying a several year warranty, so I have dealt with them many times over the last several years. I have had many problems that any homeowner would find very troublesome.

When I purchased my warranty, the sales rep made multiple representations that were just out and out lies. 1. He said that if an appliance is not repairable, it will be replaced with a new appliance with similar features at no cost to the home owner other than the deductible.

That is NOT what their warranty actually does. For example, I had a high end refrigerator that went out several years ago. Their first step was to send someone out to diagnose the problem.

He told me on the spot that it could not be repaired because the parts were no longer available for this model. CHW's response was to spend the next several weeks trying to find parts that had been discontinued years ago.

They finally gave up and said they would pay for a replacement unit. I said, "Great, when will it get here?" Their response was, "We don't replace appliances. We'll send you $200. You go and buy one and install it yourself."

Mind you this was a $1000 refrigerator when it was purchased 15 years earlier and you certainly couldn't replace it with a similar model today for less than about $1400. Their explanation was that their warranty states that they will pay the WHOLESALE value of a replacement appliance.

Never mind the fact that I as a consumer can't buy appliances at wholesale! After complaining and escalating the complaint several management levels up at CHW, I finally got them to agree to about a $400 check. But I still was out about $1000 on the replacement.

So much for the salesman's promise of replacing appliances at no cost to the Choice customer. 2. I was told that the advantage of Choice Home Warranty is that you have the "choice" to select who will do your repairs. Again, that is a total lie.

Like most home warranty companies, CHW has a group of vendors who have agreed to accept work from CHW. These companies are few and far between. Rather than vendors from my city, Choice usually sends vendors from 40-100 miles away.

In talking with plumbers, electricians and HVAC repairmen who do not do work for Choice, I found out that they choose not to accept work from them because they pay so little or sometimes not at all.

So the tendency is that the only companies who will work for them are companies who have such a bad reputation that this is the only work they can get! THAT is who CHW will send to do your repair. It's like going only to doctors who graduated in the bottom 5% of their class.

3. I was told that work would be expediently handled, in most cases the same day or the next day. Again another outright lie!

A perfect example- my most recent experience. I called CHW to report that I had a toilet that was leaking at the base. This is a simple pretty quick repair, one that could be handled with a single visit.

They pull the toilet, run a snake down the sewer line to clear any blockages, replace the wax ring the toilet sits on, remount the toilet. Plumbers come in a truck that is stocked with the most common things they need and wax rings for mounting toilets are on EVERY plumbers truck.

How did CHW handle it? At first, it looked promising. On Friday, January 15th, I posted the claim online. On Saturday I received an email they could not find a plumber to get to it expediently and that I should select one on my own and they would reimburse me for the work.

I called a local plumber who could have someone here early on Monday, the 18th to do the repair. Then before I could notify CHW, I received an email that they had found someone who could be here by 7-11 AM on Sunday the 17th.

I called the CHW plumber to inform him it would have to be after noon on Sunday and left the same message at the claim center. I received no acknowledgement, notice or word from the plumber and he finally showed up about 5 PM on Sunday.

When he got there, he took some pictures, asked for the deductible to be paid and left. No repair was done because he would "have to get approval and then order the parts".

This is the standard delay that CHW uses even when the vendor has the parts and could repair it on the spot. If they repair it on the spot, CHW won't pay them! The vendor left saying he would be back in the next couple of days to actually do the repair.

On the 19th, CHW officially approved the repair. I received a notice that the plumber would be here the following Saturday, the 23rd, from 11-3. We waited around until after 6PM. No plumber, no phone calls or messages.

At that time it had been over a week since we had been able to use our toilet. I wrote a complaint at the CHW web site and they responded by scheduling the same guy who was late several hours for his first appointment and no showed for the second one.

The schedule date? Another week away on Sunday, the 31st. I called to complain and see if I could just schedule my own "choice" and they said no. I have to use this guy. They called him and he said he could move the date to Saturday instead of Sunday.

I told them it's been over a week and I want someone here today or tomorrow. So much for "choice"!

Whenever you have a plumbing emergency, you do have a "choice" with CHW- pay for repairs yourself with no reimbursement or wait weeks for the repair to be made by someone through CHW who can't get business any other way than to work for these hucksters at Choice Home Warranty.

4. When I balked at making a several year commitment, the sales rep said, “No problem. You can cancel your agreement at any time and get a refund for the unused portion”. So I thought, what do I have to lose? Again, an out and out lie.

Choice Home Warranty does NOT refund warranty fees if you cancel your agreement. Once you make the purchase, you can kiss that money goodbye. You will never see it again and you will NOT get what you paid for!

Ron B.
Waco, TX
1 Star

October 11 2020 2:36AM

Been trying to get a furnace repaired as of October 02, 2020. This is October 10, 2020 (8 days ago) and still no one to repair the furnace. CHW claims they are trying to find a Tech.

We purchased this home warranty because we are on a very strict incomes and thought by paying a monthly pymt and a service charge we can handle that, so we wouldn't have a chunk of cash to pay a repair.

Not to mention it is a little chilly at night and my 86 yr old Mother lives with us who is cold and frail. I found out that CHW has limits on repairs and if they can't repair an appliance they only pay up to $1500. Now who is going to buy a furnace for $1500?.

CHW claims they have 15 techs in our county (yet they can't find one). The reason they can't find one is "they DO NOT pay the contract company that goes to a customer/client home to repair their appliance". Guess I will cancel this cheap ** company.

Jeffrey Y.
Gas City, IN
1 Star

October 09 2020 9:36PM

Choice in the past was a very good home warranty company but now it is horrible. I would not use them during this time. I have been with them around seven years and They were pretty efficient up until this year.

Most recently I’ve had to wait over a month to speak with a caseworker to get my issues even discussed and are being told that certain things are not covered like indoor pipes are not covered since I know that they are as part of a plumbing system.

Another problem is that you cannot get touch with the caseworker. There Is no way to contact them directly and it takes weeks or months to get a response either by voicemail nor emails.

Raymona S.
Oklahoma’s, OK
3 Stars

August 15 2020 3:08AM

Choice Home Warranty has quick responses to my service calls. However, my claims were denied twice. The first claim that I was denied on I agreed on it, but the second claim was wear and tear on a kitchen faucet handle that broke off with no name on it.

Choice denied the claim because the plumber did not know I still had the part that broke off. Choice still claim that the part is missing. Therefore, this is my last contract with Choice Home Warranty.

Akira M.
Milwaukee, WI
1 Star

July 10 2020 8:29PM

My air conditioner went bad and called the technician, he found the problem and the compressor needs to be replaced. For which Choice company asked me to pay 1700+ from my pocket.

Their case manager service really sucks, they don't even respond on time. Cannot trust them, they are smart enough to get money from customers.

Naru N.
Marietta, GA
1 Star

June 17 2020 7:15PM

My stove stopped working. The service tech came out and checked it out said it was the control panel and it had been discontinued. They would not replace the stove. Only offered $300 to get a new stove. You can’t buy a new stove for $300. Had to buy out of my own pocket and out $60 for service tech. Don’t buy a warranty from Choice. They will not replace your appliances.

Debbie B.
1 Star

February 28 2020 6:20PM

This company is a minus minus minus ZERO! I had 3 claims within a week -the first being my refrigerator. Days went by and nothing. Then they sent me an email stating a technician would come by the next Tuesday. I put the claim in on the previous Wed. Fine but we weren't going to be home then so I called the technician and they told me they didn't accept the work as Choice would not pay them mileage. So I'm back on the phone with Choice as they never told me they would still be looking for a technician. So they told me about their reimbursement plan. (Don't even go there).

They told me I could get my own technician and they would reimburse me and I would have to pay them up front including the $45.00 service call fee. Never did they tell me if I use find my own technician they wouldn't pay at all!!!

Since they couldn't find their own tech for the fridge I had my tech look at our dryer too. So then our tech sent a bill to Choice for $580.32 and they agreed to pay only $131.73 and then they even deducted for the 45.00! They sent me an email stating my refund of only $86.73 !!!!

They declined the fridge b/c it was a Freon problem. Now they won't even tell me why about the dryer. Their statement to me is: it is only THEIR RATES THEY PAY!!! SO THAT'S IS A BIG DIFFERENCE WHEN YOU CHOOSE TO GO THEIR REIMBURSEMENT PLAN. ALSO if you live 30-60 miles away from a city THEY CAN'T FIND A TECHNICIAN OF THEIR OWN.

MY TECH TOLD ME CHOICE STILL OWES HIM $1,000.00. So it's a SLOW payment to a tech and from their reimbursement plan (30 days)! Not only do you have to do their work for them - they still charge you!!!! AT THIS MOMENT I'M ON HOLD FOR A SUPERVISOR FOR 45 MINUTES!!! And the music is still playing!

After a week and 1 day they finally sent out a tech yesterday for our hot water heater. Try living for a week without a fridge and hot water!!! I've talked with 5 sales reps on the phone and 1 supervisor and now not even the 2nd supervisor- (I'M STILL LISTENING TO THEIR MUSIC!) They have written ME off. BUYER BEWARE!!!!

Linda B.
Millersview, TX
1 Star

January 08 2020 3:32PM

Just had Choice out to repair second refrigerator, which I pay extra for coverage, had a leak in the cooling line, when repairman person called Choice the claim was denied because leaks are not covered, when I purchased the warranty I was told all repairs are covered, if not repairable it would be replace. The repair person said this is the only company that he has dealt with that has denied a claim for this problem.

Byron B.
Chattanooga TN, TN
1 Star

June 18 2019 2:40AM

If you make a claim by phone be very careful what you tell them as their goal seems to be to deny claims. The best bet is to contact them by webpage and give as little info as possible. Customer service is useless, I was transferred six times trying to get a simple response, you get the feeling they're playing you in hopes you hang up. P.S. Never got an answer to my question as I was mysteriously disconnected.

Fred S.
Clermont, FL
1 Star

March 10 2019 6:41PM

Dont go to Choice Home warranty they are crooks!!!! We have had them almost 2 yrs and my microwave went out. It was going to be more to fix so they offered 175.00 for a new one we finally got 200.00 but still had to to 150.00 plus 90.00 installation out of pocket plus 60.00 for the guy to come out and say he couldnt fix it. My glass stove top busted when I turned it on and caught on fire and they said they would cover it.

Angela M.
Knoxville, TN