Home warranties are crucial in today’s climate for homeowners and are especially needed as repair costs increase and systems wear out faster than most would expect. The most recognized in the industry is Choice Home Warranty (CHW) focusing on broad coverage, simple plans and availability nationwide. However, the company has many mixed reviews as people voice their feelings toward affordability, and concern arises around the company and the claims they approve.
For potential customers, this is the most in-depth Choice Home Warranty Review for 2025, covering everything from coverage and pricing to claims experience, trends in customer feedback, pros and cons, and ultimately, if they are worth purchasing for your home. The following chapters are supported by real data in the most detailed way possible, and the objective remains to empower you to make a fully informed, confident decision.
What Is Choice Home Warranty?
Since 2008, Choice Home Warranty has been one of the most reliable home warranty providers in the United States, providing homeowners with invaluable protection plans on their home systems and appliances for wear and tear breakdown protection. The provider now operates in most states, covering millions of households and providing support for a majority of the people in the country.
The company has a core offer of two specific plans:
Basic Plan: Protection for key appliances and systems.
Total Plan: Protection for above, plus valuable items such as your air conditioning, refrigerator, and washers/dryers.
Finalizing the home warranty should include consideration of the competitors, but Choice Home Warranty has established itself as a frontrunner due to its affordable plans, nationwide contractor network, and 24/7 claims support, making it a frontrunner for new buyers, seasoned homeowners and real estate agents as well.
Plans and Coverage
Choice Home Warranty has a simple plan structure, basically a tiered plan with Optional Add-ons.
1. Basic Plan
- Heating System
- Electrical System
- Plumbing System
- Dishwasher
- Oven/Range/Stove
- Cooktop
- Garage Door Opener
- Ceiling Fans
- Whirlpool Bathtub
Works best with small homes and homeonwers whose major appliances are new and still under manufacturer warranty.
2. Total Plan
This plan includes everything from the Basic plan.
- Air Conditioning System
- Refrigerator
- Clothes Washer
- Clothes Dryer
Total plan is more ideal for the majority of homeowners since air conditioning, refrigerator and the laundry appliances are among the most expensive and frequently repaired ones, making this warrant more appropriate.Additional Benefits
Optional Ads On
Choice Home Guarantee has added some additional benefits for provisions otherwise not covered in our base plans, such as:
- Pools and spas
- Central vacuum system
- Sump pump
- Well pump
- Leaks in roof
- Second refrigerator/freezer
- Septic system/pumping
Add-ons vary by location and include a variety of items/complexity to determine additional prices.
Choice Home Warranty Overview of Pricing
While prices differ by state and size of home, they generally fall into the following ranges.
- Basic Plan: $45–55 a month
- Total Plan: $55–65 a month
- Service Call Fee: $75 – $100 per service request
Many other home warranty companies tend to charge more service fee calls and more in their premium plans. For these reasons Home Warranty of America is often considered a great value option.
The Claims Process: How It Works
The claims process is one of the most important parts of selecting a home warranty company. A warranty which is of service to customers is a warranty which is easy to use, and gets problems solved.
Choice Home Guarantee has a three-step claims process:
1. Submit a Claim
A homeowner can submit a claim either:
- Online through the Customer Portal
- By phone through our 24/7 Service Support
According to our users, the most efficient way to submit a claim is to complete the process online.
2. Contractor Assignment
When a claim gets the green light, Choice assigns a technician from one of their partner networks. Generally, a technician gets assigned at least 24 to 48 hours post claim approval, but emergency situations get accelerated processing.
3. Diagnosis and Repair
The technician determines the cause of the malfunction, and whether the repair or replacement is within warranty coverage. If so, the technician performs the repair or replacement.
Customer Experience & Reputation
Choice Home Warranty has a vast customer base, which automatically translates to a staggering volume of reviews.
Positive Feedback Themes
After analyzing customer feedback data from various sources, the following common themes climbed to the top in relation to the positive reviews received:
- Lower plan prices than most of their competitors.
- Rapid response to claim submissions.
- Courteous technicians who are professional in their craft.
- Quick and easy online access to their accounts.
- Great price for older homes where repairs are much more frequent.
Customers are quite glad to see a two-plan setup with straightforward monthly payments each month.
Common Complaints
Most customers experience no issues, but complaints often include:
- Claims are denied because of exclusions or the wording of the contract.
- Some areas are underserved, and there are not enough technicians.
- Customers sometimes experience delays in receiving parts for items needing repair.
- There is often a lack of clarity surrounding what constitutes a pre-existing condition.
- Customers are charged add-on fees for items they expect will be covered but are not.
All of the above issues are commonplace in the home warranty industry, but they are frequent enough to be noticed.
Choice Home Warranty Pros and Cons
Homeowners should be able to make an informed and balanced assessment of whether or not they choose CHW.
Pros
1. Affordable Premiums
When considering the more established home warranty brands, CHW is consistently among the lower to mid-range priced companies.
2. Nationwide Contractor Network
Homeowners, landlords, and real estate agents can all access the service as coverage is available for most of the U.S.
3. Simple Plan Structure
There are only two core plans, which means customers will not be confused by having to choose from too many plans with too many coverage options.
4. 24/7 Claims Service
Problems can be handled any hour of the day with 24/7 claims support service.
5. Comprehensive Appliance and System Coverage
Total Plan covers most of the important home systems and appliances that homeowners commonly use.
Cons
1. Claim Denials Because of Excluded Conditions
Homeowners are sometimes annoyed to learn that there are exclusions in the coverage that are not obvious.
2. Variation in Technician Quality
Like most warranty providers, a technician in each area determines the service provided.
3. Limitations on Reimbursement Amounts
There are limits to how much can be claimed in covering each item which can be problematic for costly repairs.
4. Fees for Cancellation
Certain plans have cancellation fees based on the state of residence.
5. Limited Freedom of Contractor Selection
Usually, homeowners cannot choose their own technician; rather, CHW gives one to them.
Is Choice Home Warranty Worth It in 2025?
The home warranty’s value hinges on the homeowner’s individual situation, the condition of the home, and how much repair expenses are likely to be.
When Choice Home Warranty is a Good Fit
It suits:
- Owners of older homes that comprise aging systems
- Homebuyers desiring extra coverage during initial years of home possession
- Landlords aiming for consistent predictable costs on maintenance
- Homeowners with tight budgets that prefer less expensive monthly payments
- Individuals wanting hassle-free repair logistics
In case you prefer less hassle and more consistent expenses for repairs, it is likely that CHW would be cost-effective in the future.
When It May Not Be the Best Fit
Choice Home Warranty may not be ideal if:
- Your systems are brand new with manufacturer warranties
- You prefer hiring your own technician
- You want very high coverage caps
- You dislike service call fees
- You expect coverage for pre-existing issues or cosmetic repairs
Homeowners who carefully read contract terms and understand what’s included are more likely to be satisfied.
How Choice Home Warranty Compares to Competitors
To provide context, here is how CHW compares with other well known home warranty companies.
Choice vs American Home Shield
- AHS typically has higher premiums but more comprehensive coverage with fewer exclusions.
- CHW is more affordable but may include stricter coverage rules.
Choice vs Liberty Home Guard
- LHG consistently scores high in customer satisfaction and offers more add ons.
- CHW remains more budget friendly for similar base coverage.
Choice vs Select Home Warranty
- Select offers free roof leakage coverage with every plan.
- CHW offers broader system and appliance coverage in its Total Plan.
Overall, CHW sits in the category of best value for the price, whereas some competitors excel in premium features or flexibility.
Advice on Getting the Most Value from Your Choice Home Warranty
When it comes to home warranties, dedication to maximizing coverage and claims is really important from the customers standpoint. Here are some things to keep in mind:
1. Take Your Time to Read Your Contract
The complaints we receive are usually from customers not understanding their contract fully. Make sure to go through the contract with a fine-tooth comb and look for the details on the following:
- What is covered?
- What is not covered?
- What is the coverage limit?
- What are the service call fees?
- What are the steps for filing a claim?
2. Ensure Proper Maintenance on your Appliances
Warranty companies are often plagued with claims for faulty appliance issues or damages by neglect.
3. Report Your Issues As Soon As Possible
These issues usually get worse as time progresses, which can impact your eligibility for coverage on the problem.
4. Preserve Important Documentation
The documentation you keep, the higher the chances you will get your claim accepted. Make sure you are keeping service records and receipts as well as any photos of the appliance in question.
5. Access the Online Portal
The digital system tends to be faster and more efficient for submitting claims and scheduling services.
Choice Home Warranty and Real Estate Contracting
The most common reason we see home warranties in real estate is for:
- Providing peace of mind to buyers after negotiation during the inspection phase.
- Sellers make a claim that their home has a warranty in their marketing.
- Agents want to provide peace of mind to home buyers and eliminate any disputes after closing the file.
Real estate professionals appreciate Choice Home Warranty for the affordable pricing, rapid coverage activation, and the ability to protect the home during the listing period.
Common Questions (FAQs)
1. Is it mandatory to conduct an inspection for Choice Home Warranty?
No. Choice Home Warranty has a simple and expedited enrollment process that does not involve inspections.
2. Are pre-existing conditions covered?
No. Most home warranty businesses follow a similar portfolio to CHW and omit concerns that arise prior to the contract starting or that stem from incorrect or insufficient installation.
3. How long does it take to repair an item?
Most claims that have been approved are assigned a contractor in the next 24-48 hours, but the actual repair time is determined by contractor availability and whether or not the necessary repairs have been ordered.
4. Can I choose my own contractor?
Most of the time, the answer is no. CHW contracts with specific service providers in order to manage quality and cost.
5. Is roof leak coverage included?
The standard contract does not include roof leak coverage, but in many states it is available as an optional add-on.
6. What is the cancellation policy?
Most customers may cancel at any time, though depending on how long you’ve been covered there may be a cancellation fee required by law.
7. Is Choice Home Warranty available nationwide?
The company is present in the majority of states in the US, but there are some discrepancies in coverage depending on local policies and the availability of contractors.
8. What is the service call fee?
There is a service call fee that covers the cost of a home visit by a technician. This fee is generally between $75 and $100.
Final Verdict: How Likely Are You to Buy Choice Home Warranty?
One of the most well-known home warranty companies in the U.S. is Choice Home Warranty; the offers provided by the company are also some of the most affordable in the industry. The basic plan structure is simple to understand, the monthly payments are low, and the coverage is extensive. These factors are especially appealing for homeowners that have systems or appliances that are getting older.
Every company has some complaints, and Choice is no different. Factors like frustration over claims and lack of techs available are widespread concerns in the industry. People that have the most success get to know their contracts and policies well, keep their items in good working order, and file claims in a timely manner.
For homeowners that want a simple and low-cost home warranty plan that is available anywhere in the U.S., Choice Home Warranty is a great pick. If you want to have a more predictable cost for repairs as well as a streamlined method of dealing with breakdowns, CHW is a great option.