Here’s a breakdown of how we reviewed and rated the best home warranty companies
If you don’t have funds set aside to cover unexpected repairs to systems or appliances, a home warranty could help you save some cash. MarketWatch Guides reviewed several of the best home warranty providers across the industry, and Choice Home Warranty comes out on top.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
- Average Monthly Cost: $64.44
- Service Fee: $100
- Better Business Bureau rating: B
- Plan Options: Two
Choice has two home warranty plan options, both of which include systems and appliance coverage. The Basic Plan from Choice covers major systems such as your heating, electrical and plumbing, as well as plumbing stoppages, a water heater and a range of household appliances. The Total Plan encompasses everything in the Basic Plan plus your washer and dryer, air conditioning system and refrigerator.
Most covered items have a $3,000 limit, which is higher than what some competitors offer. However, Choice has a $500 annual coverage limit on garbage disposals and multiple add-on items.
Our Take on Choice Home Warranty
Our team gave Choice Home Warranty the highest rating in our review of 26 providers. The company’s upper coverage limits of $3,000 on most individual items (excluding garbage disposals and add-ons) are higher than many competitors we’ve reviewed. For example, Choice Home Warranty extends coverage limits that are $1,000 higher than those of competitors, such as Liberty Home Guard and Select Home Warranty.
Choice may be a good option since it offers coverage for homeowners on a budget who are looking for a policy with high coverage limits. We encourage you to read the fine print of sample home warranty contracts to compare exclusions, restrictions and coverage limits among providers.
Pros and Cons of Choice Home Warranty
Generous coverage limits, especially at this price range
Streamlined plan selection with plenty of appliance coverage
Solid 4 out of 5-star Trustpilot rating
Average cost is slightly above national average
BBB customer complaints of denied claims and delayed service
How Choice Home Warranty Scored in Our Methodology
Choice Home Warranty earned 4.6 out of 5 stars, based on our team’s review. The company earned high marks for its affordable pricing and for offering multiple plans.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Flip Card
Home Warranty Rating
How Much Does Choice Home Warranty Cost?
As part of our review, our team requested sample quotes through Choice Home Warranty’s website. Overall, we found the process was easy. To view pricing, customers will need to submit their address, email and phone number. Home warranty costs may vary by geographic area.
| Plan Tier | Monthly Cost | Yearly Cost | Service Fee |
|---|---|---|---|
| Basic Plan | $60.41 | $694.71 | $100 |
| Total Plan | $68.47 | $791.70 | $100 |
Choice Home Warranty Coverage Details
Choice currently offers two plans, both of which include systems and appliance coverage.
- Basic Plan: A standard plan to cover your heating, electrical and plumbing systems, as well as plumbing stoppages, a water heater, whirlpool bathtub, oven, range, stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener, ceiling fans and exhaust fans.
- Total Plan: This is Choice Home Warranty’s more inclusive option, covering everything listed above plus your air conditioning system, washer, dryer and refrigerator.
Most items covered in each plan have a $3,000 limit, which is higher than what some competitors offer. However, garbage disposals and multiple add-ons have a coverage limit of $500 a year.
The table below summarizes the coverage found under both plans from Choice.
| System or Appliance | Basic Plan | Total Plan |
|---|---|---|
| Air Conditioners | | ✓ |
| Built-In Exhaust Fans | ✓ | ✓ |
| Built-InJetted Tub Motor and Parts | ✓ | ✓ |
| Ceiling Fans | ✓ | ✓ |
| Clothes Dryers | | ✓ |
| Ductwork | ✓ | ✓ |
| Faucets and Valves | ✓ | ✓ |
| Garage Door Openers | ✓ | ✓ |
| Garbage Disposals | ✓ | ✓ |
| Heating Units | ✓ | ✓ |
| Interior Electrical Lines | ✓ | ✓ |
| Interior Plumbing Lines | ✓ | ✓ |
| Main Breaker and Fuse Panel Box | ✓ | ✓ |
| Toilets | ✓ | ✓ |
| Water Heaters | ✓ | ✓ |
Add-On Options
Choice Home Warranty also offers the following optional coverages to extend your protection under the Basic and Total plans.
| Add-On Coverage | Monthly Cost |
|---|---|
| Pool and Spa | $15 |
| Well Pump | $8 |
| Central Vacuum | $3 |
| Limited Roof Leak Coverage | $6 |
| Second Refrigerator | $3 |
| Standalone Freezer | $3 |
| Sump Pump | $3 |
| Additional Spa | $15 |
| Septic System | $10 |
| Septic Tank Pumping | $5 |
Compare Choice Home Warranty With Other Providers
Compare Choice Home Warranty to a few of our other top-rated providers below:
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
| Provider | Service Fee | Best For | Monthly Cost | BBB Rating | |
|---|---|---|---|---|---|
|
$100
|
Best Value for Coverage
|
$55.09
|
B
|
||
|
$55
|
N/A
|
$61.66
|
A-
|
||
|
$100 or $125
|
Most Experienced
|
$50.11
|
B
|
| Provider | Service Fee | Best For | Monthly Cost | BBB Rating | |
|---|---|---|---|---|---|
|
$100
|
Best Value for Coverage
|
$55.09
|
B
|
||
|
$55
|
N/A
|
$61.66
|
A-
|
||
|
$100 or $125
|
Most Experienced
|
$50.11
|
B
|
What Customers Said About Choice Home Warranty
Reviews and testimonials can provide a more in-depth look at how home warranty companies handle customer service and support. Our team analyzed BBB and Trustpilot reviews to gather insights into customers’ experiences with Choice Home Warranty.
What Customers Like:
- Quality repairs: Many customers who received service with a Choice Home Warranty-issued technician seemed happy with the quality of service provided and acknowledged the company’s professional team members.
- Customer service: Another frequent point of praise was Choice Home Warranty’s sales team, which many customers described as professional and easy to work with.
- Quality plumbing repairs: Multiple reviews mentioned quality plumbing repairs performed by Choice Home Warranty’s network of partner companies and technicians.
What Customers Don’t Like:
- Denied claims: The most common complaints from BBB users described denied claims. Some customers accused Choice Home Warranty of using fine print in its contract to deny all types of damage as not being related to “normal wear and tear.”
- Second and third opinions: Choice Home Warranty’s contract states that the company has the right to obtain a second opinion following a diagnosis by a contractor. Some customers claimed Choice required them to get a second opinion after a representative already said their initial claim was approved.
- Long wait times: Some customers complained about long wait times after a claim was approved.
- Failure to pay technicians: Reviews of Choice Home Warranty claim the company may not always pay its contractors on time, which prompts contractors to refuse to perform work. Multiple reviews allege local technicians refuse to do work associated with Choice Home Warranty, claiming the company would not pay them, which effectively left homeowners with no way to use their policy.
Choice Home Warranty is currently facing government action in Arizona related to accusations of fraudulent market activity. Arizona Attorney General Mark Brnovich has filed a consumer fraud lawsuit against Choice, claiming the company “used contract exclusions, payment caps and bad-faith refusals to avoid paying for repairs.”
We reached out to Choice Home Warranty for comment on its negative customer reviews and government actions related to fraudulent market activity, but did not receive a response.
Choice Home Warranty Review: FAQs
Below, we’ve answered frequently asked questions about Choice Home Warranty:
All Choice Home Warranty policies require a flat-rate $100 service call fee, which you pay each time a technician visits your home in response to a claim. This fee is consistent, regardless of the actual value of repairs received.
Choice Home Warranty says in its contract that it aims to respond to approved claims within 48 hours. However, its contract also specifies that it has no obligation, financial or otherwise, to adhere to this timeline.
In our review of dozens of companies nationwide, Choice Home Warranty was generally affordable but not the cheapest home warranty provider. Select Home Warranty, which offers plans priced under $50 per month throughout the country, has more affordable coverage.
