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3x Buyer's Choice Award Winner

Choice Home Warranty Reviews

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Edited by: Ben Strauss
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Fact-checked by: Jon Bortin

About Choice Home Warranty

Choice Home Warranty is a home warranty company that offers comprehensive protection for covered appliances and systems in your home, regardless of their age. Customers have had mixed experiences with Choice Home Warranty. Some have found the representatives helpful and informative, guiding them through the plan options and benefits. However, others have faced challenges with claim denials, service delays and communication issues.

Visit www.choicehomewarranty.com
Pros
  • Optional coverage for roof leaks
  • No transfer fee
  • 24/7 customer service
  • No home inspection required
Cons
  • $500 roof repair cap
  • Some customer service complaints
  • May be difficult to get reimbursed for out-of-pocket expenses

Choice Home Warranty coverage and plans

Choice Home Warranty has two main coverage options: the Basic and Total plans. Coverage usually starts 30 days after you sign up unless you show proof of previous coverage without a break. Plans last for one year.

You can customize your plan with a variety of add-on options. This flexibility lets you build a plan that fits your home's unique needs.

Customizing your plan means you only pay for the coverage you need. It's especially helpful if you have an older home or special systems, since you can cover items that might break more often.

Add-on coverage

The following optional coverages are available:

  • Pool and spa

  • Central vacuum

  • Second refrigerator

  • Well pump

  • Limited roof leak

  • Stand-alone freezer

  • Sump pump

  • Septic system

  • Septic tank pumping

Choice Home Warranty cost

Choice Home Warranty prices range from $49.17 to $57.50 per month. Your exact home warranty cost will vary depending on your location and the features of your home. The average home warranty plan costs about $67 per month, placing Choice Home Warranty in the lower to middle range of the market.

Anecdotally, Dwayne in Maryland said he pays $800 per year for his Choice Home Warranty plan.

Most plans have a flat $75 or $100 service call fee per claim. A service call fee is like a deductible. You pay it to the service provider who comes to your home. If the cost of a repair or replacement exceeds the coverage limit, the customer is responsible for paying the difference.

Choice Home Warranty coverage exclusions and limits

Appliances and all systems, including air conditioners and water heaters, have coverage exclusions in most Choice Home Warranty Plans. That’s why it’s important to read the service agreement thoroughly to understand what’s covered before signing up.

Coverage exclusions

Choice Home Warranty plans won’t cover the following:

  • Known or unknown preexisting conditions
  • Routine maintenance or breakdowns due to neglect, abuse or physical damage
  • Items still under warranty by a manufacturer
  • More than one of the same appliance or system (with some exceptions)
  • Specific components and parts of certain appliances and systems
  • Permit fees
  • Other exclusions noted in the contract

Coverage limits

Choice Home Warranty has a $3,000 cap per 12-month period on most covered appliances and systems, though some systems and appliances have lower caps. Some notable exceptions are listed below.

How to file a claim with Choice Home Warranty

To file a claim with Choice Home Warranty, follow these steps to request service:

  1. Call or log in to the online account center or contact Choice Home Warranty by phone to request service as soon as you notice a problem.

  2. Service providers are contacted within four hours. Choice Home Warranty lets you know the contractor’s name and phone number and the appointment time - usually within 48 hours.

  3. A contractor arrives to determine whether your broken system or appliance needs repair or replacement. You pay the service call fee of $100.

If your claim is denied, you can ask for Choice Home Warranty to review its decision. The company may ask for maintenance records as part of this review.

What to expect from Choice Home Warranty’s contractor network

Choice Home Warranty ensures that its contractors prioritize communication. Contractors will clearly review with you:

  • What warranty service work is being performed

  • Estimated completion date (if not completed during first visit)

  • If additional parts, authorization or installation assistance are needed

Choice Home Warranty’s service providers guarantee the quality and materials of their work for 90 days for parts and 60 days for labor.

Real Choice Home Warranty customer experiences and complaints

Overall, happy customers appreciate the responsiveness and promptness of the technicians, as well as the professionalism and knowledge they bring to the job. Most verified complaints appear to be about claims disputes, which is common among warranty companies.

  • Rose in California pays $1,100 per year of coverage plus a $75 service charge fee: “The cost for one appliance to fix was not even $200,” she wrote in a review. “So I (would have been) better off (saving) my $1,100 and just pay to fix it.”

  • Margaret in Arizona said that the claims process is fast and easy: “I filed a claim on a Monday and the appointment was the following morning. The technician was very professional, friendly, and helpful.”

  • Michael in Florida had a problem when his KitchenAid refrigerator needed to be replaced: “I purchased a new one for $3,799 and it (was) delivered and installed. Choice Warranty offered me $818 (Absurd) to replace it even though my plan had a replacement cost (up to) $3,000. I called to complain and after getting passed from one person to another I spoke to a person who said that (they) could increase the offer to $1,199, but it would have to be in the form of a Lowe’s gift card."

  • Cody in Texas hit a roadblock when trying to get their washing machine fixed: "My experience with Choice Home was okay till it came time for them to reimburse and pay for a clothes washer that was listed to be covered in policy. We went almost 3 weeks without having a solution to our problem then the repair company decided they could not fix it, and now Choice home is claiming it’s not covered."

Choice Home Warranty FAQ

Where is Choice Home Warranty available?

Choice Home Warranty is available in all states except California. The company has partnered with Home Service Club of California to offer Choice Home Warranty-branded products. These products are sold exclusively through Home Service Club of California Insurance Services; Choice Home Warranty is not licensed by the California Department of Insurance.

Does Choice Home Warranty require a home inspection?

No, a home inspection is not required to get coverage from Choice Home Warranty. But, per the sample contract, the company does maintain the right to request routine maintenance records and home inspection reports when deciding how much it may cover for a repair or replacement.

Can I cancel my Choice Home Warranty plan?

Yes, you can cancel your plan with Choice Home Warranty. If you cancel your plan within 30 days, Choice Home Warranty refunds your fees, minus any service costs (unless your state’s laws prohibit these charges). If you cancel after 30 days, you’ll receive a prorated refund for your agreement fees, minus any service costs allowed by your state’s laws. You will also likely have to pay a $50 fee.

Does Choice Home Warranty cover preexisting conditions?

No, Choice Home Warranty does not cover preexisting conditions. Home warranty plans are meant to protect homeowners from unexpected failure of essential systems or appliances.

How long does it take for Choice Home Warranty to respond to a claim?

Upon request for service, Choice Home Warranty contacts a service provider within four hours and provides you with the contractor’s information within 48 hours.

Can you choose your own technician with Choice Home Warranty?

No, you cannot choose your own technician with Choice Home Warranty. The company will assign you a pre-screened, qualified technician.

Still have questions?

Is Choice Home Warranty legit?

Yes, Choice Home Warranty is a legitimate home warranty company that has been in business for over 15 years. It has lower starting costs than some other home warranty companies, and it offers occasional specials, like providing the first month of coverage at no charge. Overall, we think Choice Home Warranty is worth considering.

Choice Home Warranty can be a great choice for customers who live in an area with a strong contractor network, want peace of mind on coverage for everyday breakdowns and are comfortable paying a service fee per claim.

A reviewer in Abilene, Texas, described a smooth experience after an inoperative garage outlet threatened their spare freezer: the electrician "showed up as scheduled and quickly had the power restored" and "even offered safety advice." A reviewer in New Albany, Ohio, captured the quick claims process: "I received a prompt response. The plumber was prompt and came with a replacement disposal. It took less than an hour."

On the other hand, Choice Home Warranty may not be a great fit for homeowners with aging or complex systems who expect full replacement coverage, those in areas where contractor dispatch is slow, or anyone who needs a complex claim resolved quickly under time pressure.

The gap between that expectation and reality generates the bulk of the one-star reviews. A reviewer in Hanover Park, Illinois, described being charged $1,400 in uncovered "parts" during an AC replacement, with neither the warranty company nor the technician explaining the line items, and later learned the installed unit was the wrong size for the home.

Choice Home Warranty Reviews

Over 50k reviews since 2012

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    Page 1 Reviews 0 - 35
    Verified purchase
    Customer ServiceCoverageTechPricePunctuality & SpeedRefunds & PayoutsStaffRatesWait Time

    Reviewed Sept. 16, 2026

    My Realtor highly recommended Choice Home Warranty when I first bought my house 10 years ago, and I've been with them ever since. They're wonderful. When I set up a claim, I go online, click buttons, and describe my problem. Sometimes I would write a paragraph writing specifically what the problem is, and then I would hit “submit claim.” I would then get an email saying that they received the request, and they would get in touch with a technician shortly and let me know. It's not a long wait time for Choice to get back to me with a technician.

    I’m always with the techs when they come out and I ask a lot of questions. They’ve been very professional and knowledgeable. The last one I had at my house was working on my air conditioning, and he gave me a crash course on how to keep it maintained, along with valuable information he didn’t have to share. But I was asking questions, so he gave them.

    I've been asked before about Choice and every time, I would highly recommend going with them. There was a community tab that I'm part of and there were people who wanted recommendations on home warranties in the area, and I commented and recommended Choice. Then, a co-worker was telling me about her nightmare with her home warranty, and I recommended Choice. I said I’m happy with Choice and to give them a try. The most important reason to have a home warranty is that you just never know. Not everything can be fixed by my husband, and it's peace of mind knowing that you have a backup.

    I pay for a year of coverage and as I'm coming to the end of my year, Choice’s reps are blowing up my phone. I don't like that. It's too much. I already know I'm coming to the end. They don't need to call me five times a day. They gotta cut that out to one call a week, at least. But Choice have been reasonable with me on the price. Every year when it increases, I've been able to get help negotiating a more affordable price. So, I can't complain. I don't think I want to go anywhere. But if they get too expensive, I may have to rethink.

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      Verified purchase
      Customer ServiceTechPunctuality & SpeedRefunds & PayoutsStaffBillingTransparency

      Reviewed Aug. 18, 2026

      Updated on 08/20/2026: Choice Home Warranty seems to be a good investment if you own an older house that may have problems, however I had my washer go out and I had to pay Home Warranty $75 to have the service technician come out and evaluate the situation. He came in on time and made the evaluation that I needed a new card for the washer, but when he left I had to pay him another $75 on top of what Choice Warranty had me pay. They determined that the washer was a loss and I had a guy call me from Choice Home Warranty and tell me that they were sending me a Lowe's Gift card in the mail for about $669 and to date I have never received this payment. I had to go buy a used washer instead of a new one because we never received the gift card.

      Now I had my hot water heater go out, this time I did not pay the $75 fee to either person that came out. The guy that came out was very courteous and was nice. I knew he knows what he is doing, and he confirmed the water heater was a loss and the tank was leaking all over my floor. To this date I have not heard anything from Choice Home Warranty on the water heater so I cannot give a review yet. I sent several notes to CHW about the washer and no one has reached back out to me.

      Original Review: The gentleman that came out was very professional and he was very knowledgeable about my hot water heater. Choice Home Warranty has not paid me for the washer that I had go out, they promised to give me 690 dollars or so, and said it would come in the mail, to date 4 months later, nothing. Customer service is looking into it, but still nothing.

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      Verified purchase
      Customer ServiceCoverageTechRefunds & PayoutsStaff

      Reviewed Aug. 10, 2026

      Most of my experiences with Choice Home Warranty have been good. However, I had a really bad one. It was with my refrigerator and it was as if they didn't want to pay for it. They kept saying it was the motherboard and they sent out numerous people. They finally ended up having to replace it but it took two months to do that.

      The people that came from Sears were very good. But one of the private companies that had come in was horrible, and I reported that technician. I kept trying to tell him what had been found with the visits before and he turned around, looked at me and said, "You don't know anything because you're a woman." I was livid. He didn't respect the fact that I knew what was going on as I'm very mechanical. After that double call, they sent a third person out and he said, "You need a new refrigerator. I'm not even messing with it. I will send the report in." He was also appalled when I told him what the previous one said.

      The funnier thing was Choice sent that guy out twice and it was a COVID refrigerator. It was a GE and it was built in 2020 so you already know it wasn't built right. It would, all of a sudden, just start beeping and it ran the entire time. It was the ice maker and the water maker and my freezer didn't want to work. It was a nightmare. He was saying it was the motherboard. I told him I've got the motherboard that Sears got, and it was not the motherboard. He still put the motherboard in and water was shooting out of my water dispenser across my kitchen. It was just a circus of comical errors with the fridge.

      But that was the only bad experience I've ever had with Choice and it was probably a fluke. I've had electricians come out and they've been great. I just had somebody come work on my new refrigerator. It didn't want to crush ice. It was a simple fix and he was very sweet. He was here 10 minutes and I was totally okay with that.

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      Verified purchase
      Customer ServiceClaims HandlingCoverageTechPunctuality & SpeedMaintenanceStaff

      Reviewed Aug. 5, 2026

      A lot of times, foreigners have the customer service lines and I feel bad for them because I'm sure they're trying their best. But sometimes if the accent is a little heavy, it's tough and I have to get them to repeat anyway. Outside of having a lot of people with accents and answering the phone, it's okay. Because when you're dealing with senior citizens, they need help hearing things clearly.

      The claims process has been okay but it's a surprise because Choice says that it's going to replace the item that repairmen can't replace, but it's not replaced at the current value. It's usually replaced when you bought the item. Sometimes, they also have to reschedule or get parts. A couple of years ago, a guy came out and he twice scheduled me for a Wednesday. Then, he showed up on a Tuesday because one of his appointments was canceled. So, he decided to come to my house and he got curt with my daughter and me as far as the job was concerned. I ended up having them change him out because he was not acceptable. But that was about the worst I've ever had as far as somebody coming out.

      I'm trying to get my oven replaced, but Choice only gives you replacement value through Lowe's, and sometimes Lowe's doesn't always have what I want. I prefer to be able to have more choice of places to go and get the item than just going to Lowe's. But for the most part, Choice is good. You just have to ask questions. The only thing I would recommend is to consider the people who are getting these warranties, especially older people. They should try not to make it so complicated. It should be easier. If it had been simpler, I would have done it a long time ago.

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      Verified purchase
      Customer ServiceCoverageTechPriceOnline & AppRefunds & PayoutsMaintenanceStaffRates

      Reviewed July 31, 2026

      I have been protected with Choice for five years. The first three years were still active when I moved into the house I'm in now. I continued with them after it ran out because I still have a couple of major items that may fail in the next six years. So, I did an additional six-year plan and it was worthwhile. Submitting a repair request has been relatively easy and they do respond in a reasonable time for the most part. I have to go through their website to submit my requests. The online tools are good.

      The contractors are generally good. The latest time, my only disappointment was they sent somebody out that was fine, but it was for an air conditioning thing and I'd used a different provider the last couple of times for the air conditioning through them, which I would've liked to use again. However, they said they no longer allow me to choose somebody else even if they're in the program and even if they're one of their preferred providers, which I didn't understand.

      Having the coverage is a peace of mind. It's not of a great price, but it seems reasonable. Overall, like any warranty, it just depends on what can break and if you're willing to and can afford those costs over a period of time. Does it make more sense to lay out the money for the warranty or does it make more sense to take the risk? In the case of a house that has two large AC units, it makes more sense to lay out the money upfront as opposed to take the risk. If I had two old air conditioning units that were 25 or 30 years old, it would make more sense to spend $3,000 for a warranty for six years with the high possibility that one of them is going to die before the end of six years because that would more than pay for the cost of the warranty.

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      Verified purchase
      Punctuality & Speed

      Reviewed Oct. 10, 2026

      Very quick and easy to file the claim. An appointment was made for repairs.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaffResolution

      Reviewed Oct. 9, 2026

      I called and an appointment was set for the following day. The service person was on time and immediately took care of the problem and promised to return for one problem he didn’t have the supplies to do. Courteous said polite and very knowledgeable. Would recommend highly.

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      Verified purchase
      Coverage

      Reviewed Oct. 9, 2026

      Warranty coverage is not as expected, disappointing.

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      Verified purchase
      Sales & Marketing

      Reviewed Oct. 9, 2026

      Very easy to get my plan. Thanks to Troy sales person. Hope this warranty keeps me going for a year and then I can continue.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Oct. 9, 2026

      We called for some electrical work to be done and it was some in a timely manner and professional

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      Verified purchase
      Customer ServiceCoverageTechPunctuality & SpeedMaintenanceStaff

      Reviewed Oct. 9, 2026

      I called Choice Warranty with a problem on our gas range. We received a message from James ** with WeFix Appliances and he came out shortly after to look at our range and determined he had to get a part to fix it. He will come back when he gets the parts which is our scheduled appointment time. He is very professional and knowledgeable about his job and we appreciate that WeFix Appliances is one of the Companies Choice Home Warranty uses.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      Professional Service and completed all repairs with no issues.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Oct. 9, 2026

      It was good except the trap was not changed. That means it will probably start leaking again. But the men did a great job. They were prompt and courteous.

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      Verified purchase
      TechStaff

      Reviewed Oct. 9, 2026

      I have had to use Choice Warranty twice before, they obtained a highly skilled repair technician that was very knowledgeable and professional.

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      Verified purchase
      Customer ServiceTechPunctuality & SpeedStaffRates

      Reviewed Oct. 9, 2026

      I am pleased with Choice Home Warranty at this time. The service has improved greatly from the past. Now, assignment of service technicians has been prompt and service technicians has responded in a timely manner. I would rate these two areas of service both five stars. Thank you.

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      Verified purchase
      Tech

      Reviewed Oct. 9, 2026

      The plumber has been to my house 3 times for different things and fixed them all. He's great!

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      Verified purchase
      Customer Service

      Reviewed Oct. 9, 2026

      I contacted you regarding my heat and a/c unit. Two HVAC men came here over a month ago and they said they needed to order parts. To date I have not been contacted regarding their return. I need to hear from someone ASAP.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Oct. 9, 2026

      Second Repair Company (Superman Repair) was efficient and courteous. First repair person was unresponsive and rude. He hung up on me when I called. Choice answering lines were very nice and efficient with what they do. I do not blame Choice for having a bad company working for them.

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      Verified purchase
      TechMaintenanceStaffResolution

      Reviewed Oct. 9, 2026

      Technician was great! They knew how to fix the issue with our dishwasher. Thank you.

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      Verified purchase
      Customer ServiceTechPunctuality & SpeedStaff

      Reviewed Oct. 9, 2026

      The technician is awesome and in communication with us. Very punctual and professional!

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Oct. 9, 2026

      So far customer service has been very helpful in getting me scheduled as soon as possible and verifying my plan.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      Very easy to place a service order and courteous. Wanted to pick my day and time, but it worked out.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      Natascha and team are fabulous. I am a Realtor and all my clients are defaulted to Natascha/Hayley. My Personal 8 homes are all serviced by Choice. They are fabulous and it is always a pleasure. They are very attentive and they go over and above and beyond to take care of issues. I feel comfortable buying a Resale because I have a team to back me up.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      The agent was so nice and helpful. He explained everything to me and I hope I made a good decision. Thank you Maurice!!

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      Verified purchase
      TechPunctuality & Speed

      Reviewed Oct. 9, 2026

      Repair man was very nice and polite. However, repair could not be completed-motor was incorrect one. He did schedule the next visit so I would not have to reschedule Dr. appointment for the second time.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      He was very thorough and I liked the fact he came prepared with parts of needed. He made sure everything was working and didn’t feel the need to rush out the door.

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      Verified purchase
      TechPunctuality & SpeedStaff

      Reviewed Oct. 9, 2026

      The technician was courteous, prompt and knowledgeable. He was friendly and analyzed the problem, ordered the part, came back in a week, installed the part, checked to see if it worked. He talked to us briefly and left. Very pleased.

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      Verified purchase
      TechPunctuality & SpeedStaff

      Reviewed Oct. 9, 2026

      Tech was quick, clean, knowledgeable and finished initial inspection in timely manner.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      Wonderful service, arrived on time and very friendly and was thorough

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      Verified purchase

      Reviewed Oct. 9, 2026

      Polite. Answered all questions. So far, no leaks. Would recommend

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      Verified purchase
      TechStaff

      Reviewed Oct. 9, 2026

      Technician showed up when he said he would, was very thorough with the evaluation. I would recommend them for service.

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      Verified purchase
      TechStaff

      Reviewed Oct. 9, 2026

      The technician was friendly and went about his business. He seemed to have a grasp of what he was doing.

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      Robert was very knowledgeable and thorough. He was courteous and professional dealing with my mother during the visit. He has been to my home before and performed the same excellent job.

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      Verified purchase
      Customer ServiceCoverageStaff

      Reviewed Oct. 9, 2026

      Worst Customer service ever with a home warranty plan! If I didn’t keep my initial email, reps stated there was no other way of proving correct coverage!

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      Verified purchase
      Staff

      Reviewed Oct. 9, 2026

      This will be my first time with Choice Home Warranty. I’ve had nothing but good. People are very friendly, answered the questions you have and is very kind.

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      Verified purchase

      Reviewed Oct. 9, 2026

      I just signed up with Choice Home Warranty and am looking forward to the service that they will be providing me,

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      Verified purchase

      Reviewed Oct. 9, 2026

      Very precise with explaining everything. Gave me more than one choice.

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      Verified purchase
      TechStaff

      Reviewed Oct. 9, 2026

      Our tech Giovanni was great. On time, professional. He is always welcome.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Oct. 9, 2026

      Very responsive and accurate service. Found the problem in our dishwasher quickly and had it resolved within 30 minutes. All is well tonight!

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      Verified purchase
      Customer ServiceCoverageTechPunctuality & SpeedStaff

      Reviewed Oct. 9, 2026

      My hot water heater broke so put a service call in and had a very quick response! Very pleased with everything, Supreme Handy Services came out, accessed the issue, ordered the water heater and fixed it. Very pleased!!

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      Choice Home Warranty Company Information

      Social media:
      Company Name:
      Choice Home Warranty
      Company Type:
      Private
      Address:
      1090 King Georges Post Road
      State/Province:
      NJ
      Postal Code:
      08837
      Country:
      United States
      Website:
      www.choicehomewarranty.com

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