Choice Home Warranty Plans

Choice Home Warranty Plans

When it comes to protecting your home, having a solid plan in place is crucial. One of the best ways to ensure that your appliances and systems are covered is through a home warranty. But what exactly is a home warranty, and why is it important?

Choice Home Warranty Plans
Choice Home Warranty Plans

A home warranty is a service contract that covers the repair or replacement of major home systems and appliances that break down due to normal wear and tear. Unlike homeowners insurance, which covers damage from events like fires or theft, a home warranty focuses on the everyday functioning of your home’s essential components.

Basic Plans
CoverageEssential home systems and appliances
Typical Cost$400 to $600 per year
Systems CoveredHVAC, plumbing, electrical systems
Appliances CoveredKitchen appliances (e.g., oven, dishwasher, microwave)
Service Fee$60 to $85 per service call
Comprehensive Plans
CoverageBroader coverage including additional systems and appliances
Typical Cost$600 to $1000+ per year
Additional Systems CoveredDuctwork, garage door openers, ceiling fans
Additional Appliances CoveredWasher, dryer, refrigerator
Service Fee$60 to $85 per service call
Optional Add-Ons
Examples of Add-OnsPool and spa, second refrigerator, septic system
Additional CostVaries by add-on; typically $40 to $200 extra per year
Coverage Limits
Maximum Payout Per ItemUsually between $500 and $3000
Aggregate Annual CapTypically between $15,000 and $30,000
Common ExclusionsPre-existing conditions, misuse, improper installation
Non-Covered ItemsStructural repairs, certain high-end appliances
Customer Support
Availability24/7 customer support
Claim FilingOnline, phone
Response TimeTechnician usually assigned within 24 to 48 hours
Customer Reviews
Positive FeedbackPrompt service, comprehensive coverage
Common ComplaintsClaim denials, delays in service
Tips for Choosing a Plan
Assessing NeedsConsider age of home, condition of systems and appliances
Comparing PlansReview coverage options, costs, and service fees
Reading the Fine PrintUnderstand terms and conditions, coverage limits
Market Position
Industry RankingAmong top home warranty providers
Market ShareSignificant share in the U.S. home warranty market
Future Trends
Industry InnovationsDigital solutions, enhanced customer service options
Potential ImprovementsExpanding coverage options, reducing claim processing time

Understanding Choice Home Warranty

So, what sets Choice Home Warranty apart from other providers? Founded in 2008, Choice Home Warranty has quickly become one of the leading names in the industry. With a focus on customer service and comprehensive coverage, they’ve built a reputation for reliability and affordability.

Types of Plans Offered by Choice Home Warranty

Types of Plans Offered by Choice Home Warranty
Types of Plans Offered by Choice Home Warranty

Basic Plan

The Basic Plan is designed to cover the essentials. Here’s what it includes:

  • Heating System
  • Electrical System
  • Plumbing System
  • Water Heater
  • Whirlpool Bathtub

Total Plan

For those looking for more extensive coverage, the Total Plan offers everything in the Basic Plan, plus:

  • Air Conditioning System
  • Refrigerator
  • Clothes Washer
  • Clothes Dryer

Coverage and Exclusions

Covered Systems

Choice Home Warranty covers a wide range of home systems, including:

  • Heating
  • Electrical
  • Plumbing
  • Air Conditioning (Total Plan)

Covered Appliances

Your essential appliances are also covered, such as:

  • Refrigerator (Total Plan)
  • Clothes Washer and Dryer (Total Plan)
  • Dishwasher

Common Exclusions

However, it’s important to note that certain items are typically excluded, such as:

  • Pre-existing conditions
  • Cosmetic defects
  • Items still under manufacturer warranty

Cost of Choice Home Warranty Plans

Cost of Choice Home Warranty Plans
Cost of Choice Home Warranty Plans

Pricing Overview

The cost of a Choice Home Warranty plan can vary based on several factors, but generally, you can expect to pay between $400 and $600 annually.

Factors Influencing Cost

Factors that can affect the price include:

  • The size of your home
  • The type of plan you choose
  • Optional add-ons for additional coverage

How Choice Home Warranty Works

How Choice Home Warranty Works
How Choice Home Warranty Works

Step-by-Step Process

  1. Purchase a Plan: Select the plan that best fits your needs.
  2. Report a Problem: When an issue arises, contact Choice Home Warranty.
  3. Technician Dispatch: A qualified technician will be sent to your home.
  4. Repair or Replace: The technician will repair or replace the covered item.

Claim Filing Procedure

Filing a claim is simple and can be done online or over the phone. Just provide the necessary details, and Choice Home Warranty will take care of the rest.

Benefits of Choice Home Warranty

Peace of Mind

Knowing that your home’s systems and appliances are covered gives you peace of mind, allowing you to focus on other important aspects of life.

Financial Protection

Unexpected repairs can be costly. A home warranty helps mitigate these expenses, protecting your wallet from sudden financial burdens.


With a home warranty, you don’t have to worry about finding a reputable technician. Choice Home Warranty does the legwork for you.

Limitations and Drawbacks

Potential Downsides

While there are many benefits, there are also some limitations to consider. For instance, not all repairs may be fully covered, and there could be a service fee for each claim.

Customer Complaints

Some customers have reported issues with claim denials or delays in service. It’s essential to read the fine print and understand what is and isn’t covered.

Customer Reviews and Ratings

Positive Reviews

Many customers appreciate the peace of mind and financial protection that Choice Home Warranty provides. They often highlight the prompt and professional service as a major plus.

Negative Reviews

On the flip side, some customers have expressed frustration with the claim process and exclusions. It’s important to weigh these experiences when making your decision.

Overall Ratings

Overall, Choice Home Warranty receives mixed reviews. While many find the service valuable, others have encountered challenges that have impacted their experience.

Comparing Choice Home Warranty with Competitors

Choice vs. American Home Shield

American Home Shield is another big name in the industry. While both offer comprehensive coverage, American Home Shield tends to have higher pricing and more customization options.

Choice vs. First American Home Warranty

First American Home Warranty offers similar coverage but is often praised for its customer service. Choice Home Warranty may have more competitive pricing, making it a viable option for budget-conscious homeowners.

Tips for Choosing the Right Home Warranty Plan

Assessing Your Needs

Before choosing a plan, consider what systems and appliances are most critical to your home. This will help you select the coverage that best fits your needs.

Reading the Fine Print

Always read the terms and conditions carefully. Understanding the exclusions and limitations can save you from unexpected surprises later on.

Comparing Multiple Providers

Don’t settle on the first provider you find. Compare plans, prices, and customer reviews from multiple companies to ensure you’re making an informed decision.

How to Maximize Your Home Warranty

Regular Maintenance

Regular maintenance can prevent many issues from arising in the first place. Ensure your home systems and appliances are well-maintained to avoid unnecessary claims.

Understanding Your Coverage

Know what is covered and what isn’t. This knowledge will help you avoid filing claims for items that aren’t included in your plan.

Prompt Claim Filing

If an issue arises, file your claim as soon as possible. Prompt action can lead to quicker resolution and less inconvenience.


In conclusion, Choice Home Warranty offers comprehensive coverage that can provide peace of mind and financial protection for homeowners. While there are some limitations and potential downsides, understanding your needs and carefully reading the fine print can help you make the most of your home warranty plan.


  1. What is the difference between a home warranty and homeowners insurance?
    • A home warranty covers the repair or replacement of home systems and appliances due to normal wear and tear, while homeowners insurance covers damage from events like fires or theft.
  2. How long does it take to get a service technician?
    • Typically, a service technician is dispatched within 48 hours of filing a claim, though times can vary based on availability.
  3. Can I choose my own service contractor?
    • Generally, Choice Home Warranty selects the service contractor, but you can request to use a preferred technician, subject to approval.
  4. What happens if my covered item cannot be repaired?
    • If a covered item cannot be repaired, Choice Home Warranty will replace it, subject to the terms of your plan.
  5. How do I cancel my Choice Home Warranty plan?
    • To cancel your plan, contact Choice Home Warranty’s customer service. Be sure to review the cancellation policy in your contract for any potential fees or refunds.

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