Updated:
Choice Home Warranty covers 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. For additional coverage, warranties can be extended to cover your pool, spa, septic tank, and other household systems.
Editorial Breakdown
Service Quality
Affordability
Coverage
Customer Service
Overall Rating
Bottom Line
Choice Home Warranty offers affordable home warranty coverage backed by prompt and reliable repair professionals.
A service agreement from Choice Home Warranty gives your home’s appliances and systems an added layer of protection. The New Jersey-based company offers warranties in every state except Washington. Its generous workmanship and labor guarantee, affordable monthly premiums, and thoughtful customer service are all features that give it a prime spot on our list of best home warranties.
Pros
Cons
A Choice Home Warranty lasts for 13 months and can be renewed yearly. The company offers two warranty plans, but you can add additional items a la carte.
The Basic plan covers vital appliances like ovens and ranges, bathtubs, and heating systems, but you’ll need to upgrade to the Total plan if you want protection for your air conditioning, refrigerators, or washers and dryers. 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.
Choice’s Total plan covers the HVAC (including ductwork), plumbing, water heater, electrical system, and garbage disposal. It also protects refrigerators, washers and dryers, and microwaves.
You can upgrade coverage for pools, central vacuums, sump pumps, and limited roof leaks. Coverage begins 30 days after enrollment.
Affordable Options
Choice Home Warranty
The company offers seasonal sales incentives and discounted pricing to customers who request a quote. Final costs will vary based on the size of your home and coverage.
Home Size | Basic Plan | Total Plan |
---|---|---|
Monthly | $46* | $55* |
Annually | $569* | $670* |
*For a 5,000 sqft single-family home in Charlotte, North Carolina. Prices are accurate at the time of publishing.
As with all home warranties, coverage is limited to certain parts of your systems. Some damages, like those resulting from a natural disaster, might also be covered by homeowners insurance.
Be sure to read your contract to determine the coverage limits per term. Choice lists annual coverage caps of $500 for well pumps, roof leaks, and ice makers. The company’s maximum liability per agreement term (13 months) is $3,000. This is lower than the caps offered by other companies.
Choice states that it may elect to provide customers cash instead of the repair service.
You can file a claim 24 hours a day, seven days a week. Choice also commits to respond promptly, usually within four hours, but it could take up to two business days. Call a representative to file a claim or 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. Every technician is a professional, authorized contractor with Choice who will document their work and communicate with you. All technicians are licensed and insured.
The most common home repairs mentioned in reviews are related to HVAC, plumbing, and appliances. Some customers (but not all) said Choice was prompt with service calls (even same day).
Most popular words in Choice Home Warranty’s online customer feedback
Most negative reviews are from customers who believe they should have been reimbursed for a denied claim, though this is a common complaint among all home warranty providers and not specific to Choice.
Choice’s home warranties are affordable because the company keeps its coverage simple. By offering a publically available user agreement, Choice allows customers to learn the specific parts and pieces their warranty will cover.
Its max coverage plan is comparable in price to other providers we rate, and its service fee is reasonable; however, the add-on features are limited.
CChoice Home Warranty limits claims to wear and tear, so your item won’t be covered if it breaks for a reason outside of its policy, like a house fire. Choice also expects homeowners to maintain their equipment to be covered. If a furnace breaks and it appears the filters have never been changed, that could result in a denied claim.
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.
Choice is not part of the National Home Service Contract Association or accredited by the Better Business Bureau.
No. You do not need a home inspection order to purchase a warranty from Choice.
As of April 2023, policies are not available in Washington state.
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.
Choice Home Warranty is worth considering if you want an affordable home warranty with 13-month terms (the first month is free). It leverages an extensive network of technicians to provide customers with fast and professional service on the most important items in their homes.
Affordable Options
Choice Home Warranty