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2023 Choice Home Warranty Review And FAQs

Sarah Sharkey8-minute read

November 23, 2022

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Buying a home comes with many ups and downs. At some point, you’ll run into home maintenance issues. As the homeowner, it’s up to you to shoulder the financial responsibility of fixing anything that breaks. And inevitably, something will break in your tenure as a homeowner.

Luckily, there is a way to protect your wallet through a home warranty. Choice Home Warranty (CHW) offers wide-ranging coverage at an affordable price to homeowners on replacements and repairs for appliances and home systems.

But is a home warranty worth the cost? Let’s take a closer look at Choice Home Warranty reviews to see if it’s a good fit for your situation.

Table Of Contents

    About Choice Home Warranty

    A home warranty is often confused with homeowners insurance. However, a home warranty is an entirely different beast.

    As you continue to use the systems and appliances around your home, things will eventually break due to regular wear and tear. Unfortunately, homeowners insurance doesn’t cover this kind of damage. Instead, homeowners insurance is designed to help you pay for structural damage to your home.

    But the best home warranties can help you take care of things that break around the house, like your refrigerator or air conditioning system. Essentially, a home warranty acts as a service contract to cover the cost of repair or replacement of essential systems around your home.

    Choice Home Warranty provides a smooth home warranty experience. You can choose a coverage plan that protects all of the systems and possibly the appliances in your home through the company.

    Choice Home Warranty stands apart from the crowd for a number of reasons. First, the affordability of the plans allows you to protect both your home’s systems and appliances without breaking the bank. You also don’t have to undergo a home inspection to sign up.

    Since 2008, the company has been providing a worthwhile experience to its customers. Although it has mixed customer feedback, the company has earned 3.9 out of 5 stars on Trustpilot with over 20,000 reviewers! Within those reviews, over 60% of customers have an excellent experience working with Choice Home Warranty.

    As a show of good faith to solidify customer trust in the company, former CEO Victor Hakim made a bold move at the beginning of COVID-19. Hakim made a promise to provide the company’s customers with enhanced coverage throughout the crisis. With that, Choice Home Warranty temporarily suspended certain coverage exclusions.

    All in all, Choice Home Warranty has proven itself to be a reliable company throughout its 13-year tenure.

    Choice Home Warranty Plans

    Before you dive into any home warranty, it’s important to uncover the details of the offered plans. Let’s take a closer look at the breakdown of what plans and coverage Choice Home Warranty has to offer.

    Choice Home Warranty only offers two types of plans: the Basic plan and the Total plan. Here’s what each holds:

    Feature

    Basic Plan

    Total Plan

    Water heater

    Yes

    Yes

    Whirlpool bathtubs

    Yes

    Yes

    Air conditioning

    No

    Yes

    Clothes washers and dryers

    No

    Yes

    Garbage disposals

    Yes

    Yes

    Heating systems

    Yes

    Yes

    Garage door openers

    Yes

    Yes

    Plumbing stoppages

    Yes

    Yes

    Plumbing system

    Yes

    Yes

    Oven/range/stove

    Yes

    Yes

    Cooktop

    Yes

    Yes

    Built-in microwave

    Yes

    Yes

    Ductwork

    Yes

    Yes

    Ceiling and exhaust fans

    Yes

    Yes

    Electrical systems

    Yes

    Yes

    Refrigerator

    No

    Yes

    Dishwasher

    Yes

    Yes

    Keep your washer and dryer in top shape.

    Have your washer and dryer serviced regularly so they work like new.

    Basic Plan

    The Basic plan covers a wide range of important systems and appliances around your home. But notably, it doesn’t offer coverage for your air conditioning system, refrigerator or washer and dryer. As a homeowner, the Basic plan is a great option for anyone looking to cover the most essential systems around your home.

    Total Plan

    The Total plan is definitely a step up from the Basic plan. Essentially, the Total plan offers the same experience but provides coverage on a few more appliances and systems, including your air conditioning, refrigerator and clothes washer and dryer.

    If you don’t want to take any chances on these bigger appliances, then the Total plan is a better fit. Although it is a bit more expensive, it could be worth the peace of mind knowing that your home is covered.

    For both the Basic and Total plan, Choice Home Warranty has some limitations in place. For example, the company will pay no more than $500 per contract term to access, diagnose, repair or replace certain systems, including a well pump, a limited roof leak or a septic system.

    In any event, Choice Home Warranty will not spend more than $3,000 per contract term to access, diagnose, repair or replace any system or appliance.

    Take a look at both your budget and your current home appliances when debating between the Basic and Total plans. If you have a tighter budget, you may opt to start with the Basic plan.

    On the other hand, if you have room in your budget and a list of home systems and appliances that you would like extensive coverage for, you may lean toward the Total plan.  

    Optional Coverage And Add-Ons

    If you have specific system concerns, you can add optional coverage as needed. Here are the additional systems you can protect through Choice Home Warranty:

    • Pools and spas
    • Well pumps
    • Sump pumps
    • Central vacuums
    • Roof leaks
    • Septic systems
    • Stand-alone freezers
    • Second refrigerators
    • Limited roof leaks

    Choice Home Warranty Exclusions

    CHW has a $3,000 cap every 12-month period on the majority of covered home systems and appliances. However, some systems and appliances do have lower caps. Here are some of the exceptions:

    Choice Home Warranty Pros And Cons.

    Choice Warranty Reviews

    Now that you know more about what Choice Home Warranty has to offer, let’s explore some of the reviews out there to see what people are saying about this service.

    This Old House’s Take

    The beloved TV show, “This Old House,” has a thriving online presence that provides thoughtful information to homeowners facing home maintenance costs.

    Here’s what “This Old House” had to say: “Choice Home Warranty (CHW) is one of the best home warranty companies in the industry, operating in every state in the country but California and Washington. The company has been in business since 2008 and prides itself on its commitment to dedicated customer service that’s available 24 hours a day, 7 days a week ...We rated Choice Home Warranty a 9.1 out of 10 and named it the home warranty company with the ‘Best Service’ of 2021. Its affordable plan options, low service fees, and nationwide availability make it an easy choice for homeowners.”

    U.S. News’ Take

    U.S. News offers a well-known review platform that has given Choice Home Warranty a 3.9 out of 5 stars review.

    Here’s what the reviewers had to say: “Choice Home Warranty was founded in 2008 in New Jersey by Victor Hakim. Choice provides home warranty service contracts for the repair and replacement of home appliances or systems that break down. Choice has a customer service network of more than 15,000 independent contractors and has provided service to more than one million homes.”

    Customer Reviews

    The customer is always right! So, what are the customers saying about Choice Home Warranty?

    Here are some helpful online reviews from customers:

    Frank Walden says, “Dryer heating element went out on a Saturday afternoon and I filed a claim with Choice that afternoon. Choice scheduled a local repair shop to come out and fix the dryer the following Tuesday and sent me the repair shop contact information. I called the shop and sent them the model number of my dryer. They showed up early Tuesday, had the replacement part, and was finished in 30 minutes! Best warranty experience ever!!”

    John Baize says, ”When our A/C unit stopped working in one of the hottest periods, CHW was right on top of things, and got a service person out right away. When you have health problems, and heat gets the best of you, it was a blessing to be able to breathe normally again.”

    Choice Home Warranty Cost

    Of course, the goal of a home warranty is to save yourself money. The average home warranty costs around $350 to $600 per year. However, most warranty companies will expect a service fee in the range of $100 each time you call on them.

    With that, let’s take a closer look at the costs associated with a Choice Home Warranty.

    Monthly Premiums

    As we mentioned above, you have two options with Choice Home Warranty.

    With the Basic Plan, you should pay around $44 per month. With the Total Plan, you should expect to pay around $50 per month.

    However, the exact costs will vary based on your location and the features of your home. Additionally, you may pay more if you choose to cover more systems or have high-value appliances.

    Service Fees

    In addition to the monthly premiums, you’ll have to pay a service fee each time you use the Choice Home Warranty. Typically, this service fee will range from $75 to $125. But the exact cost will vary based on your location and plan.

    It is worth noting that the service includes a 90-day guarantee on parts and a 30-day guarantee on labor.

    Is Choice Home Warranty Available In Every State?

    Choice Home Warranty is not available in every state. Specifically, Choice Home Warranty is not available in California or Washington.

    Choice Home Warranty FAQs

    Is Choice Home Warranty accredited by the Better Business Bureau?

    No. According to the Better Business Bureau, Choice Home Warranty is not accredited by the organization.

    How does a claim work with Choice Home Warranty?

    If you have a covered system or appliance in need of repair, you’ll need to submit a claim to Choice Home Warranty. At that point, the company will dispatch a local technician to investigate the issue.

    You can contact Choice Home Warranty by phone or online 24/7 to start the process.

    When does coverage begin with Choice Home Warranty?

    The coverage for a given policy will begin 30 days after you enroll in the policy and pay for it. From there, the coverage will continue for the duration of the policy period.

    What appliances and systems does Choice Home Warranty cover?

    Choice Home Warranty offers coverage options for the following appliances and systems through its Basic, Total, or Additional Coverage.

    • Air conditioning system
    • Heating system
    • Electrical system
    • Plumbing system
    • Plumbing stoppage
    • Water heater
    • Whirlpool bathtub
    • Refrigerator
    • Over, range, stove
    • Cooktop
    • Dishwasher
    • Built-in microwave
    • Garbage disposal
    • Clothes washer and dryer
    • Ductwork
    • Garage door opener
    • Ceiling and exhaust fans
    • Pool or spa
    • Well pump
    • Sump pump
    • Central vacuum
    • Limited roof leaks
    • Septic systems
    • Second refrigerators
    • Stand-alone freezer
    • Septic tank pumping

    What home warranty discounts are offered by Choice Home Warranty?

    You can receive your first month free when you purchase a single payment home warranty plan.

    Does Choice Home Warranty require a home inspection?

    You won’t have to submit to a home inspection before coverage starts with Choice Home Warranty.

    Is Choice Home Warranty legitimate?

    Yes. Choice Home Warranty is a legitimate company that was founded in 2008 to provide home warranties to homeowners.

    Find a match.

    Get matched with a top-rated home warranty company.

    The Bottom Line: Is Choice Home Warranty Right For You?

    Choice Home Warranty offers a solution to provide peace of mind as a homeowner. You won’t have to worry about covering major home repairs. Instead, you can focus on other financial goals because your home warranty should cover most major issues.

    Choice Home Warranty provides a streamlined experience that allows many satisfied customers to keep their homes in running order. Ready to take this burden off your plate? Take a minute to get a quote from Choice Home Warranty today.

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    Sarah Sharkey

    Sarah Sharkey is a personal finance writer who enjoys diving into the details to help readers make savvy financial decisions. She’s covered mortgages, money management, insurance, budgeting, and more. She lives in Florida with her husband and dog. When she's not writing, she's outside exploring the coast. You can connect with her on LinkedIn.