What is Choice Home Warranty?
Choice Home Warranty is a home warranty company that provides home warranty services to homeowners. A home warranty is a type of service contract that covers the cost of repairs or replacements of major systems and appliances in your home. This can include things like your heating, ventilation, and cooling system (HVAC), plumbing system, electrical system, kitchen appliances, washer and dryer, septic systems, and so forth.
A Home warranty covers normal wear and tear on your home’s major systems and appliances. On the other hand, homeowners insurance covers unexpected events like theft or natural disasters. Additionally, insurance policies often require paying a deductible before coverage kicks in, whereas home warranty contracts typically have a set service fee per claim.
A home warranty can provide peace of mind for homeowners, as it can help cover unexpected repair costs and protect your budget. Choice Home Warranty is one of many companies that offer this type of service, and they can help you keep your home running smoothly while minimizing unexpected expenses.
Choice Home Warranty Pricing
Policyholders must pay a monthly fee of $50-$60 per month. For service requests, a service fee is required to address each request. The average cost of a service fee ranges from $75–$125.
- Monthly cost: $50–$59
- Service fee cost: $85 per claim
Choice Home Warranty Coverage Caps
Choice Home Warranty doesn’t break down its coverage caps into separate categories. As such, all items have a repair and replacement allowance of $3,000 each. The optional coverage items have a $500 limit per item.
Pros Choice Home Warranty:
- Offers a variety of plans to fit different budgets and needs
- Has been in business for over a decade and has a reputation for reliable service
- Offers a 24/7 claims service for convenience
- Flat rate service fee
- Offers a 90-day workmanship guarantee for parts
- Limits roof-leak coverage to $500
Cons Choice Home Warranty:
- Some customers have reported long wait times for service and delays in processing claims
- Coverage limitations and exclusions may apply, so homeowners should carefully review their plan’s terms and conditions
- Mixed reviews on Wallethub and other review sites
Choice Home Warranty Plans and Coverage
Choice Home Warranty offers two home warranty coverage plans: the Basic Plan and the Total Plan. The Basic Plan covers items such as an electrical system or dishwasher. The Total Plan offers more comprehensive coverage, including essential items such as a home’s air conditioning, refrigerator, clothes washer, and clothes dryer.
Choice Home Warranty Plans
| Item Covered | Basic Plan | Total Plan |
| Heating System | ✔ | ✔ |
| Electrical System | ✔ | ✔ |
| Plumbing System | ✔ | ✔ |
| Plumbing Stoppage | ✔ | ✔ |
| Water Heater | ✔ | ✔ |
| Whirlpool Bathtub | ✔ | ✔ |
| Oven, Range, and Stove | ✔ | ✔ |
| Cooktop | ✔ | ✔ |
| Dishwasher | ✔ | ✔ |
| Built-In Microwave | ✔ | ✔ |
| Garbage Disposal | ✔ | ✔ |
| Ductwork | ✔ | ✔ |
| Garage Door Opener | ✔ | ✔ |
| Ceiling and Exhaust Fans | ✔ | ✔ |
| Air Conditioning System | – | ✔ |
| Refrigerator | – | ✔ |
| Clothes Washer | – | ✔ |
| Clothes Dryer | – | ✔ |
What does Choice Home Warranty Cover?
Choice Home Warranty covers a range of major systems and appliances in your home, including heating and cooling systems, electrical systems, plumbing systems, and kitchen appliances like your oven, stove, and dishwasher. Coverage may vary depending on the plan you select.
What does Choice Home Warranty Exclude?
Like with any home warranty, Choice Home Warranty may exclude certain repairs or replacements from coverage. Some common exclusions include pre-existing conditions, cosmetic damage, and repairs or replacements due to homeowner negligence. Homeowners should carefully review their plan’s terms and conditions to understand what is and isn’t covered.
Choice Home Warranty FAQ:
Q: Can I choose my own contractor for repairs covered under my home warranty?
A: Choice Home Warranty has a network of qualified and licensed technicians that can help with repairs covered under your plan. However, if you prefer to use your own contractor, you may be able to do so with prior approval from Choice Home Warranty.
Q: Are there any service fees or deductibles I need to pay with Choice Home Warranty?
A: Yes, there may be a service fee or deductible for each claim you make under your home warranty. The amount may vary depending on your plan and the type of repair or replacement needed.
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