Choice Home Warranty Review

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 –

  • Understand how Choice Home Warranty’s policy works
  • Assess its pricing information and see if it matches your budget
  • Decide if a Choice Home Warranty plan fits your home’s needs

prosPERKS :

  • 30-day service guarantee
  • Shorter waiting period than standard (in some instances)
  • Free roof leak coverage
  • Multi-year plans
  • 60-day workmanship guarantee


  • Limited number of plans with no significant difference
  • Not available in Washington

Disclosure: We may receive a commission for quotes accepted by the customers, but this has no bearing on the legitimacy of our review process.

Our Opinion

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 Cost

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.

Get the full pricing information by requesting a free quote!


Choice Home Warranty is running the following discounts-

  • Free one month coverage
  • Free roof coverage

Choice Home Warranty Plans & Coverage 

Choice offers two plans for homeowners – 

  • Basic Plan – Covers essential home systems like Plumbing, Electrical, etc, and appliances like dishwashers, built-in-microwaves, and more.
  • Total Plan – Covers what the basic plan does plus Air Conditioning system, Refrigerator, Clothes Washer, and Clothes Dryer.

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






Garbage Disposal

Built-in Microwave


Ceiling & Exhaust Fans

Garage Door Opener

Clothes Washer 


Clothes Dryer


Take a look at what parts of the following are covered:

  • Air Conditioning – Ducter, electric, central, split and package units, geothermal, forced air (oil, electric gas), wall mounted-units, heat pumps, mini-splits, floor furnace, etc.
  • Plumbing – Faucets, shower heads and arms, risers, gate valves, leaks and breaks of water, gas, drain, vent or waste lines, etc.  
  • Septic Tank (optional coverage) – Sewage ejector pump, jet pump, control box, aerobic pump.
  • Pool (optional coverage) – Above ground parts and components of pumping, heating, and filtration system – blow motor and timer, pump motor, plumbing pipes and wiring, etc.

Note: Read through your contract to discern the covered parts of all your covered items.

Get the entire coverage details by claiming your free quote!


  • Pool/Spa
  • Additional Spa
  • Limited Roof Leak
  • Sump Pump
  • Stand Alone Freezer
  • Central Vacuum
  • Second Refrigerator
  • Well Pump
  • Septic System
  • Septic Tank Pumping

Choice Home Warranty Coverage Limits

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.

Plan Exclusions

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.

Quality of CHW Customer Service

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 Claim Filing Process 

Choice Home Warranty’s claim process is relatively simple. Here’s a step-by-step description of how it could go – 

  • You can file a claim, online or over phone, when a covered item breaks down during the coverage period. 
  • The customer service representative will schedule an appointment with the relevant contractor.
  • You’ll need to pay the deductible to the service technician when they arrive. They will diagnose and suggest either repair or replacement
  • After the diagnosis, the company has to approve the next course of action, whichever it may be.
  • The covered damage will then be fixed or replaced by the technician.

There can be several reasons for claim denial. Reference your contract to find out.

Choice Home Warranty Comparison

Premium (Monthly)
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!

Key Details

Waiting Period

-30 days

Dollar Limit For Access


Free Cancellation


Contract Transfer Fee


Cancellation Fee


Customer Service


Automatic Renewal


State Availability - All except Washington

Company Details

Registered Company Name
Choice Home Warranty
Company Type
Jim Mostofi
Established In
Years In Business
Corporate Office/Headquarters
2147 State Route 27, Floor 4, Edison, New Jersey 08817

Choice Home Warranty: Consumer Ratings

Here’s how Choice Home Warranty performs on popular review platforms -

Review Platform No. of Reviews Rating
Google 6,953
3.4 / 5
Yelp 117
1 / 5
BBB 2,589
1.5 / 5
Trustpilot 25,100
3.9 / 5
WalletHub 2,757
1.5 / 5
Site Jabber 69
1.1 / 5

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 - 

  • Plans: Are the plans covering everything necessary? Are they offering anything unique? Do they offer options and cater to homeowners whose requirements range from basic to comprehensive?
  • Coverage: Is the offered coverage enough for potential fixes? Are they in line with living standards and current home maintenance trends? 
  • Contract terms: What parts are excluded? What is not covered? What’s the extent of the coverage? Do their promises find a place in the fine print?
  • Quality of customer service: What are their customers saying? Are they satisfied, or could things be improved?
  • Credibility: Are they registered? How long have they been in the industry? What’s their reputation?
  • Pricing: Are the costs too high? Is the pricing appropriate for the offered coverage?

Frequently Asked Questions (FAQs)

Is Choice Home Warranty Legitimate?

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.

Which Home Warranty Is Better, Choice Or Select?

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.

How Does Choice Home Warranty Reimbursement Work?

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 –

  • Ensure that the repair is covered in your contract.
  • Get the repair approved by Choice Home Warranty.
  • In case of repairs related to heating and air conditioning units, you’ll be required to provide pictures.
  • Ensure that your technician submits the complete diagnosis of the repair on

After you follow the above steps, allow the company up to 30 days to pay the reimbursement.

Does Choice Home Warranty Replace Appliances?

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.

Does Choice Home Warranty Cover HVAC Replacement?

Yes, Choice Home Warranty covers the repair or replacement of HVAC units along with other systems such as plumbing, electrical, etc.

When Does Coverage Begin With Choice Home Warranty?

Choice has a standard waiting period of 30 days which may be shortened or waived if you show proof of prior home warranty coverage.

Does Choice Home Warranty Cover Garage Doors?

Choice Home Warranty covers garage door openers but excludes coverage for doors and door track assemblies.

Do I Need A Home Inspection Before Enrolling In Coverage With Choice Home Warranty?

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.

Does Choice Home Warranty Have An App?

Yes, the company does have a mobile application. You can download it on both the App Store and the Play Store.

Does Choice Home Warranty Cover Mold?

No. Choice Home Warranty does not cover mold. Most, if not all, home warranty companies do not cover mold or its resulting damage.

How Do I Cancel My Choice Home Warranty?

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.

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