When it comes to protecting your home, a warranty plan can provide much-needed peace of mind. Choice Home Warranty (CHW) is a popular provider that offers coverage for major home systems and appliances. But is it the right choice for you? Let’s break it down.

What Is Choice Home Warranty?

Choice Home Warranty is a company that provides service contracts for repairs or replacements of covered home systems and appliances. The goal is to protect homeowners from unexpected expenses due to breakdowns.

How Does It Work?

Here’s how Choice Home Warranty works:

Sign Up: Choose a plan that fits your needs.
Pay Monthly/Annually: Pay a flat fee for coverage.
Request Service: When something breaks, file a claim online or by phone.
Technician Visit: CHW sends a licensed technician to diagnose and repair the issue.
Pay Service Fee: You’ll pay a service fee (typically $85) for each claim.

What Does Choice Home Warranty Cover?

Choice Home Warranty offers two main plans:

	Basic Plan	Total Plan
Heating systems	Included	Included
Electrical systems	Included	Included
Plumbing systems	Included	Included
Water heaters	Included	Included
Ovens, ranges, and cooktops	Included	Included
Air conditioning systems	Not Included	Included
Refrigerators	Not Included	Included
Clothes washers and dryers	Not Included	Included

Additional coverage is available for items like pools, spas, and sump pumps at an extra cost.

Pros and Cons of Choice Home Warranty

Pros

Affordable Plans: CHW offers competitive pricing compared to other providers.
Nationwide Coverage: Available in most states (except California and Washington).
Simple Claim Process: Easy online or phone-based claim submission.
Comprehensive Coverage: Covers both systems and appliances.
Flat Service Fee: No surprise costs during claims.

Cons

Exclusions and Limits: Some repairs may not be covered due to policy exclusions.
Service Delays: Some customers report waiting longer than expected for repairs.
No Custom Plans: Limited flexibility in choosing coverage options.
Not Available Everywhere: Coverage excludes certain states like California.

Customer Reviews

Choice Home Warranty receives mixed reviews, with an average rating of 3.8 stars on Trustpilot. Many customers praise the affordability and ease of use, while others report issues with claims being denied due to exclusions in the fine print. It’s important to thoroughly review the terms and conditions before signing up.

💬 Positive Review

"Peace of mind! I never panic when something breaks or isn’t working properly. Choice provides reputable contractors and stands behind their policy."
- Gail, January 09, 2025

💬 Negative Review

"We filed a claim for our heating/AC unit, but it was denied due to 'lack of maintenance' despite using their recommended contractors. Very disappointing."
- Sharon Shaw, January 03, 2025

Is Choice Home Warranty Right for You?

CHW may be a good fit if:

You want affordable coverage for both systems and appliances.
You’re prepared to deal with potential service delays.
You’re okay with reading and understanding policy exclusions.

If you’re looking for fully customizable plans or faster service, you might want to consider other options.

Explore Our Mortgage Calculators

🏠

Mortgage Calculator

Easily calculate your mortgage payments with our quick and intuitive tool.

🔑

FHA Loan Calculator

Learn about FHA loans and how they can help you purchase your dream home.

🎖️

VA Loan Calculator

Explore VA loan benefits designed specifically for veterans and active-duty military.

Tips for Maximizing Your Choice Home Warranty

Understand Your Coverage: Read the fine print to know what’s included and excluded.
Maintain Your Appliances: Regular maintenance can help reduce claim denials.
Submit Claims Promptly: Act quickly when something breaks to avoid further damage.
Ask Questions: Don’t hesitate to contact CHW for clarification on your policy.

Final Verdict: Should You Consider Choice Home Warranty?

Choice Home Warranty is a solid option for homeowners looking for affordable, straightforward home protection. While it may have some limitations, it’s a great choice for many. Be sure to compare plans and read the policy details to ensure it meets your specific needs.

If you’re not completely sold on Choice Home Warranty, here are a few other options you may want to look into: American Home Shield, Select Home Warranty, First American Home Warranty, or Cinch Home Services.

FAQ’s

1. What is not covered under the Choice Home Warranty?

Choice Home Warranty typically does not cover:

Pre-existing conditions or issues that occurred before the policy started.
Damage caused by improper maintenance, misuse, or neglect.
Items still under a manufacturer’s warranty.
Non-mechanical components, such as structural elements (walls, windows, or doors).
Luxury appliances or systems not listed in the contract.

It’s crucial to review your specific plan and contract for a detailed list of exclusions.

2. What is the Choice Home Warranty phone number?

The Choice Home Warranty customer service phone number is (888) 373-7924. You can call this number for inquiries, claims, or cancellations. Check out their “contact us” page.

3. How do I cancel Choice Home Warranty?

To cancel your Choice Home Warranty:

Call their customer service at 1-888-531-5403.
Provide your policy details and request cancellation.
Confirm any applicable cancellation fees, as they may charge an administrative fee for early termination.
Request written confirmation of the cancellation for your records.

Click here for more information on their user agreement.

4. Is Choice Home Warranty good?

Choice Home Warranty is a good option for homeowners seeking basic coverage for home systems and appliances. It’s praised for:

Affordable pricing.
Simple, straightforward plans. However, some users have reported mixed experiences with claims processing and service quality. Whether it’s a good fit depends on your specific needs, location, and expectations.

For the best results, read the contract carefully and compare it with other home warranty providers.

home ownership

Stay Up To Date