Choice Home Warranty Review 2025: Coverage, Pros and Cons
Homeowners insurance is great for covering the cost of damage from natural disasters like hurricanes. But do you know what your homeowners insurance probably doesn’t cover? It’s more than you may realize. Think appliances, HVAC systems and more that can break down from typical wear and tear. Home warranty companies like Choice Home Warranty can fill in those gaps, but how do you know if it’s the right company for you? Read on for our Choice home Warranty review that will discuss plan features, pros and cons.
What Is Choice Home Warranty?
Choice Home Warranty is a company that provides protection plans for common home repairs that aren’t typically covered by homeowners insurance. Home warranties mostly cover broken appliances and systems like plumbing or heating that need repairs because of normal wear and tear. So homeowners insurance covers damage from natural disasters or fires, while a home warranty would cover the cost of fixing or replacing a properly maintained dishwasher that bit the dust from old age.
Coverage Plans & Key Features
There are two tiers of coverage: basic and total. The total plan has 18 covered items, which you can see here. The basic plan includes all the same items except air conditioning systems, refrigerators, washers and dryers. Optional add on coverage includes well pump, pool/spa, second refrigerator and more. Coverage kicks in after 30 days and you’ve paid applicable contract fees.
Choice Home Warranty covers items regardless of age as long as they are in working condition and properly maintained. It does not, however, cover known or unknown preexisting conditions, misuse, abuse, or failure to maintain and clean covered appliances.
There are caps to keep in mind as well. There’s a maximum liability of $3,000 per year for each covered item or system (with some exceptions). And that includes the cost of the whole process, so not just during the repair, but also when it’s evaluated for the problem.
Pricing: What You Can Expect to Pay
How much your plan will cost depends on several factors, such as the type of home, its size and location. The best way to figure out how much it will cost for you is to get a quote, but expect it to be somewhere in the range of around $45-$65 a month. It will also depend on if you purchase any add ons.
You also will pay a $100 service fee to the technician who comes to your home to check out the problem.
Pros & Cons: What Makes Choice Stand Out, Common Complaints
These are some potential pros to using Choice Home Warranty:
- Prices are relatively affordable, and there are occasional promotions, like getting the first month free.
- There are 24/7 call centers.
- Nationwide network of more than 25,000 contractors.
Here are some drawbacks to consider:
- There are frequent customer complaints regarding claim denials, service delays and poor communication — particularly on Reddit. And although the BBB gives it a B rating, the thousands of customer complaints with them average out to a one star rating.
- Users frequently say their claim was unexpectedly denied and they had issues with customer service.
Is Choice Home Warranty Safe and Legit?
Choice Home Warranty is a legitimate business that is safe to use. Although it has an average of a one star rating through the BBB, it has a four star rating through TrustPilot. There is, however, a high volume of complaints online. The number of negative reviews shows that you should read your contract extremely carefully before signing anything.
How It Compares to Other Home Warranty Providers
American Home Shield is a similar home warranty provider that covers appliances and systems. Its plans have three tiers — silver, gold and platinum — and the pricing of those also depend on your coverage needs, location and home. For AHS, you’ll need to get at least the gold tier to get appliances covered. Home Choice Warranty’s basic plan covers some appliances. AHS’s reviews have similar complaints about denying claims and similar ratings on both TrustPilot and the BBB.
Choice Home Warranty Review: Who This Is Best For
Choice Home Warranty is a good option for people who want low-cost coverage and have well-maintained systems and appliances. It is important to note the large number of reviews that cite issues with claim disputes and slow response time. There are users, mostly on TrustPilot, who say they had a positive experience. The most important things will be to read every detail of your contract and make sure you understand what is and isn’t covered.
FAQs About Choice Home Warranty
No — there is no inspection required when you enroll.
The required service fee per claim is $100.
Response times can vary. Some users say their issues were resolved quickly. Others say they experienced major delays. Choice Home Warranty says when they reach out to contractors, it could take more than 48 hours for one to accept a request.
It depends, but usually not because Choice Home Warranty uses its own network of prescreened contractors.
Is it available everywhere in the U.S. except Washington state.
