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Choice Home Warranty Reviews


bestfor-icon Affordable Home Warranty Without Site a Visit

Written by Lauren Le-Hair

About Choice Home Warranty | Read More


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  • (888) 531-5403
  • Headquarters: 2147 Route 27 South, 4th Floor, Edison, NJ 08817
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Choice Home Warranty Home Warranty Review

Choice Home Warranty provides affordable, easily understandable home warranties to ensure that your home systems and appliances are covered in case of breakdown. Home warranties cover household items not usually included by homeowners insurance, such as cookers, washing machines, and air conditioning systems.

Choice Home Warranty offers two types of warranty cover: Basic and Total. Basic warranty cover includes the most popular household items, such as plumbing, electrical, water heater, and dishwasher cover. Alternatively, the Total plan includes air conditioning systems, clothes washers, dryers, and refrigerators. Additional items like pool, spa and well pumps can be added as optional extras. You don’t need to have a home inspection to take out a warranty with Choice Home Warranty.

Choice Home Warranty Home Warranty Highlight

Min $85

Service Fees

Maximum of $3,000 per item

Payout Cap

$50 Off + 1 Month Free!




Not Required

Home inspection


Other Fees


Origination Fee


Prepayment Fee


BBB Rating



Home visit within 48 hours

Response Time

12 months

Contract Length Available

Pros & Cons

  • con-icon Multiple plans and customizable plans
  • con-icon Several add-on coverage options
  • con-icon First month free if you sign up for the year
  • con-icon Home inspections aren’t required
  • con-icon Available 24/7
  • con-icon If you’re paying month-to-month, there is no discount
  • con-icon Not available in every state

Plan Types


  • Basic Plan
    Pricing from $46 monthly/$560 yearly
  • Total Plan
    Pricing from $55 monthly/$660 yearly

Optional Add-Ons

Pool, Spa, Central Vacuum, Second refrigerator, Well Pump, Sump Pump, Septic System


$50 Off + 1 Month Free!

Payout limitations

Choice Home Warranty provides comprehensive coverage for a wide range of systems and appliances, but they don’t always cover the entire expense of a repair or replacement. As per their sample contract, they’ve set a cap of $3,000 per covered item for any combination of access, diagnosis, repair, or replacement costs. If the cost surpasses this $3,000 threshold, any additional expenses fall on you. Some specific items, like septic systems, standalone freezers, and trash compactors, have a lower coverage ceiling, capped at $500 per claim.


Pre-existing conditions, damages caused by structural damage, water damage, maintenance due to abuse or neglect, Acts of God.

Plans & Pricing

Choice plans & Pricing:

Plan Monthly Yearly
Basic $46 $560
Total $55 $660

Choice Plans Coverage:

Item Covered/Plan Basic
$46 monthly/$560 yearly
$55 monthly/$660 yearly
Air Conditioning
Clothes Washer
Clothes Dryer
Plumbing Stoppages
Plumbing System
Water Heater
Built-in Microwave Oven
Garbage Disposal
Garage Door Opener
Whirlpool Bathtub
Ceiling and Exhaust Fans

The Basic plan starts from $46 per month, with the Total plan costing $55 per month. These prices increase if your house is larger than 5,000 square feet. Optional extras are available, costing between $3 and $15 per item per month to cover. All repairs made by contractors are guaranteed for 90 days, which is longer than the market average.

You can then choose to cover the following items as optional extras:

  • Pool/Spa
  • Central vacuum
  • Second Refrigerator
  • Limited roof leaks
  • Stand-alone freezer
  • Well pump
  • Sump pump
  • Septic system
  • Septic tank plumbing

We would recommend the Total plan, as the difference in price is worth the extra items covered.

Choice Home Warranty Review : How to Get Started

We found that obtaining a quote from Choice Home Warranty was straightforward and super speedy. The Choice Home Warranty website is easy to navigate, and there are multiple options to start the quote process.

Choice Home Warranty Review : How to Get Started

Filing a claim with Choice Home Warranty is as easy as taking out the policy. Simply navigate to the homepage and select “Submit a Claim”. You will then be asked to log in with your email address and policy number. Once logged in, you will be prompted to enter details of what your claim is for and the nature of the fault. Alternatively, you can call the customer service team to explain the details of what you wish to claim over the phone.

State Availability

Available - Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming

Not Available - California, Washington

Written by Lauren Le-Hair linkedin-icon

As an experienced content writer, Lauren's passion for the finance sector is only exceeded by her love of writing. With years of experience writing for financial websites, she has honed her expertise and developed a deep understanding of the industry. Lauren specializes in delivering top-quality, specialized content with an expert tone of voice and a unique flair, leveraging her extensive knowledge and expertise. In addition, she holds a First Class Bachelor's degree from Staffordshire University.



What is the difference between homeowners’ insurance and a home warranty?

Homeowners insurance tends to cover the building from hazards such as flooding and fire. On the other hand, a home warranty covers maintained household items.

Do I have to pay a service fee?

Each service callout incurs a flat $85 charge.

Do I need a home inspection before getting a home warranty?

Most home warranty providers require a home inspection, but Choice Home Warranty provides home warranty coverage without a home inspection.

Customer Support

Choice Home Warranty has a 24/7 customer helpline, as you’d expect from a company that deals with household emergencies. You can also reach the company via an online form.

In our experience, we decided to contact Choice Home Warranty via their service department at (888) 373-7924 with our queries. The customer support team answered our call quickly, and the representative was helpful, dealing with our call in a professional manner. Choice Home Warranty told us that contractors would be contacted within four hours of the call, and someone would visit the house to fix the problem within 48 hours. In our case, we had a contractor arrive within 24 hours.

Looking online, there are mixed reviews about Choice Home Warranty’s customer service, but our experience was excellent.

Privacy & Security

Choice Home Warranty has a detailed privacy policy on its website detailing how your private data is handled and managed. The company collects and stores your information securely and may use your data for business-related purposes as described in the privacy policy. Yet, your data will not be given or sold to third parties for marketing purposes. You have the right to opt-out of communications or to ask Choice Home Warranty to remove your personal data at any time.

In Conclusion

Choice Home Warranty has established itself as a market leader due to its affordable cover and easy-to-understand price plans. There are some negative reviews about Choice Home Warranty’s services online, but the positive ratings heavily outweigh these. Our experience in dealing with Choice Home Warranty would be to recommend them as one of the leading home warranty providers in America.

Brand Disclaimer

Click Here to view the full limits of liability and any exclusions. Choice Home Warranty offers service contracts that are not warranties. See policy for specifics on response times. Choice Home Warranty reserves the right to provide cash back in place of repair or replacement in the amount of Choice Home Warranty’s actual cost (which at times may be less than retail) to repair or replace any covered system, component, or appliance. First Month Free is available with the purchase of any Single Payment home warranty plan.
In California, Choice Home Warranty branded service contracts are issued and offered by Home Service Club of California, Inc. (HSCCA) and sold exclusively by Home Service Club of California Insurance Services. Click Here to view the complete HSCCA CA terms and conditions. Choice Home Warranties are not available in California.