In our Choice Home Warranty review, we’ll offer a detailed look at their offerings, cost, service, coverage, customer service, and more. It’ll help you –
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Choice Home Warranty has a lot going on for them. Since its inception, they have managed to handle 5 million service requests, serve 1.5 million homes, and coordinate with over 25000 contractors.
And although its plan options seem limited, CHW’s extensive coverage and economical pricing make them a reasonable choice for protecting older homes with aging appliances and systems.
Choice Home Warranty plans cost $45-$55 per month or $550-$660 per year. The pricing may vary depending on select factors such as the place of your residence, the size of your home, the add-ons you choose, and more.
Another charge you’ll incur is the trade service fee or deductible, a pre-approved fee you are expected to pay to the technician when they visit your home to diagnose and repair the problem. Choice’s deductibles may range from $60-$85, depending on your location.
Choice Home Warranty is running the following discounts-
Choice offers two plans for homeowners –
Real Estate Plans
Choice also offers three real estate plans – Choice Plan, Choice Plus, and Choice Ultimate – that can be bought for up to 5 years. A one-year plan ranges from $420 to $520 and increases based on the term length, optional coverage, and more.
Here is a comprehensive list of items that Choice Home Warranty covers in both of their homeowner plans –
|
Covered Items |
Basic Plan |
Total Plan |
|
Air Conditioning system |
✓ |
|
|
Heating System |
✓ |
✓ |
|
Electrical System |
✓ |
✓ |
|
Plumbing Stoppage |
✓ |
✓ |
|
Plumbing System |
✓ |
✓ |
|
Water Heater |
✓ |
✓ |
|
Whirlpool Bathtub |
✓ |
✓ |
|
Oven/Range/Stove |
✓ |
✓ |
|
Refrigerator |
✓ |
|
|
Dishwasher |
✓ |
✓ |
|
Cooktop |
✓ |
✓ |
|
Garbage Disposal |
✓ |
✓ |
|
Built-in Microwave |
✓ |
✓ |
|
Ductwork |
✓ |
✓ |
|
Ceiling & Exhaust Fans |
✓ |
✓ |
|
Garage Door Opener |
✓ |
✓ |
|
Clothes Washer |
✓ |
|
|
Clothes Dryer |
✓ |
Take a look at what parts of the following are covered:
Note: Read through your contract to discern the covered parts of all your covered items.
Following the norm in the home warranty sector, Choice Home Warranty also comes with its set of exclusions and limitations. Their dollar limit, as referenced from their sample contract, is set at $3000 per item for a 12-month period. However, you should note that each item may have a limit of its own.
Choice Home Warranty excludes certain parts and components from coverage. For example, even though they cover a home’s electrical system, parts related to an energy management system or generator are not covered.
Another key stipulation you should note is that Choice Home Warranty only covers items that break down due to routine wear and tear. Home warranties, unlike homeowners insurance, do not cover damages that are a result of natural calamities, neglect and misuse, pre-existing conditions, etc.
In order to place a successful claim, we recommend going through your service contract in detail to understand all the terms and conditions.
Choice’s customer service is positively reviewed by customers and available 24/7 to assist in any queries or help you file a claim. They initiate claim proceedings within 4 hours of request and their response time stands at the standard 48 hours.
Choice Home Warranty’s claim process is relatively simple. Here’s a step-by-step description of how it could go –
There can be several reasons for claim denial. Reference your contract to find out.
|
Company
|
Premium (Monthly)
|
Deductible
|
Coverage Cap
|
State Availability
|
BBB Rating
|
|---|---|---|---|---|---|
| Choice Home Warranty | $40-$65 | $85 | Up to $3K/item | 49 | B |
| ServicePlus Home Warranty | $40-$60 | $75 | 1.5k/contract term | 48 | Not Rated |
| American Home Shield | $39-$60 | $75-$150 | $6K-Unlimited | 49 | B |
| Select Home Warranty | $45-$50 | $60-$100 | $2,000 | 46 | B |
| First American Home Warranty | $30-$50 | $85 | Up to $3.5k per item | 35 | B |
*Choice Home Warranty and the Home Service Club of California are in a strategic relationship to offer home warranty services in California.
**No rating or not rated.
If you want more options, check out our best-rated home warranty companies!
Waiting Period
-30 days
Dollar Limit For Access
-$500
Free Cancellation
-No
Contract Transfer Fee
-Nil
Cancellation Fee
-$50
Customer Service
-24/7
Automatic Renewal
-Yes
State Availability - All except Washington
Here’s how Choice Home Warranty performs on popular review platforms -
| Review Platform | No. of Reviews | Rating |
| 6,953 | ||
| Yelp | 117 | |
| BBB | 2,589 | |
| Trustpilot | 25,100 | |
| WalletHub | 2,757 | |
| Site Jabber | 69 |
While scouring through thousands of Choice Home Warranty customer reviews, past and existing, we noticed that most complaints mention delays in service. However, several of their reviews also state that they received service within 48 hours, which is pretty standard in this industry.
We measured what Choice Home Warranty offers and analyzed how they perform and compare against other companies. Primary considerations, among them, are -
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Yes, Choice Home Warranty is a legitimate company. They have been around for 14 years and counting and have established a national presence serving in all the states except for Washington.
Objectively, both Choice Home Warranty and Select Home Warranty are two of the best home warranty providers among the current crop. These two, when pitted against each other, appear to be neck and neck.
Where Select seems to come at a more affordable price, Choice got them beat at a lower deductible price. The former offers three different plan options to prospective customers but Choice offers greater coverage extent and dollar limit.
Choice has wider availability across the country when compared to Select and also sets an amount for access to the appliance or system in need of repair. Choice does seem to be marginally better than Select in some areas. However, your decision should come down to your preference and which home warranty provider fits the bill for your home.
Choice Home Warranty allows you to enlist the services of an independent contractor of your choice only in case of emergencies. If you want to ensure that you receive the reimbursement, you should –
After you follow the above steps, allow the company up to 30 days to pay the reimbursement.
Yes, as per Choice Home Warranty’s service contract, they offer to repair or replace home appliances like the dishwasher, refrigerator, washer, dryer, and more.
Yes, Choice Home Warranty covers the repair or replacement of HVAC units along with other systems such as plumbing, electrical, etc.
Choice has a standard waiting period of 30 days which may be shortened or waived if you show proof of prior home warranty coverage.
Choice Home Warranty covers garage door openers but excludes coverage for doors and door track assemblies.
Choice Home Warranty does not demand a home inspection. However, they do reserve the right to do so if you request them to review a claim denial.
Yes, the company does have a mobile application. You can download it on both the App Store and the Play Store.
No. Choice Home Warranty does not cover mold. Most, if not all, home warranty companies do not cover mold or its resulting damage.
If you want to cancel a monthly plan, you need to notify Choice Home Warranty at least a month before the next month’s coverage is charged. Alternatively, you can call – 1-888-531-5403.
Note that you may be charged $50 or an amount permitted by law for the cancellation.
By clicking submit, you agree to the Terms and conditions.
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