As of 2025, Choice Home Warranty is ranked number 1 out of 26 companies due to its reasonable plans and huge benefits. Choice Home Warranty Plans are limited to just two combinations, with some extra coverage options and a fixed service fee.
This top-rated insurance company is the best option for covering wear and tear on major systems and appliances from unexpected expenses, especially for covering heating and cooling systems. Let’s explore the plans and coverage options of Choice Home Warranty Company in detail, including their benefits and costs.
Choice Home Warranty Plans In 2025
According to recent reports, nearly 74% of their customers are satisfied with their coverage, which typically lasts one to three years. You can save money on unexpected repairs due to their affordable plans that can be customized to fit individual needs. Their coverage includes many systems and appliances, such as plumbing, dryers, electrical, refrigerators, HVAC, washers, and more.
Choice Home Warranty has two plans and some optional coverages for its customers. However, both of the plans require a monthly fee. Please note that the prices may vary based on your home’s location.
| Systems/Appliances | Basic Plan | Total Plan |
|---|---|---|
| Air Conditioning System | ✔ | |
| Built-In Microwave | ✔ | ✔ |
| Ceiling and Exhaust Fans | ✔ | ✔ |
| Clothes Dryer | ✔ | |
| Clothes Washer | ✔ | |
| Cooktop | ✔ | ✔ |
| Dishwasher | ✔ | ✔ |
| Ductwork | ✔ | ✔ |
| Electrical System | ✔ | ✔ |
| Garbage Disposal | ✔ | ✔ |
| Garage Door Opener | ✔ | ✔ |
| Generator | ✔ | ✔ |
| Heating System | ✔ | ✔ |
| Oven / Range / Stove | ✔ | ✔ |
| Plumbing Stoppage | ✔ | ✔ |
| Plumbing System | ✔ | ✔ |
| Refrigerator | ✔ | |
| Water Heater | ✔ | ✔ |
| Whirlpool Bathtub | ✔ | ✔ |
1. Basic Plan
The monthly cost of the Choice Home Warranty Basic Plan is between $40 and $58, with an average of $49 and a service fee of $100. You can choose your coverage level and customize a plan that fits your home’s needs. A basic plan covers 14 items, like heating, electrical systems, plumbing, water heater, and some appliances, such as dishwashers, ovens, and microwaves.
2. Total Plan
The monthly cost of the Choice Home Warranty Total Plan is between $50 and $60, with an average of $44 and a service fee of $100. This plan covers 18 items, including everything in the Basic Plan, as well as a refrigerator, air conditioning, dryer, and washer. You can also customize it to fit your specific needs.
3. Optional Coverages
Choice Home Warranty also offers 11 optional coverages, including pool & spa equipment, freezer, central vacuum, and more, each costing between $3 to $15. You can customize your plan with these extras.
| Coverage | Monthly Cost |
|---|---|
| Additional Spa | $15 |
| Central Vacuum | $3 |
| Limited Roof Leak Coverage | $6 |
| Pool and Spa | $15 |
| Second Refrigerator | $3 |
| Septic System | $10 |
| Septic Tank Pumping | $5 |
| Standalone Freezer | $3 |
| Sump Pump | $3 |
| Well Pump | $8 |
How Much Do Choice Home Warranty Plans Cost?
The costs of Choice Home Warranty Plans vary depending on where you live, as well as some other factors. However, below is the average monthly and yearly cost of their plans.
| Warranty Plan | Min to Max | Average Monthly Cost | Yearly Cost | Service Fee |
|---|---|---|---|---|
| Basic Plan | $40 - $58 | $49.00 | $588.00 | $100 |
| Total Plan | $50 - $60 | $55.00 | $660.00 | $100 |
Factors Affecting The Choice Home Warranty Cost
The cost of a Choice Home Warranty depends on several factors. For example, the size of your home, the age, condition, and functionality of your home systems and appliances will impact the cost. The number of systems and appliances covered and the type of coverage you choose will also determine the overall cost of your warranty plans.
The warranty cost is also affected by your house location. If it is located in high-cost areas, and your home is old, it will cost you compared to the newer houses and those located in low-cost areas. A credit score and a strong financial history may also lead you to some discounts. You can also get discounts if you’re paying in full up front. Additionally, services gained from reputable providers may cost more but offer better coverage.
So it’s essential to consider them when choosing a plan, as these factors will decide the overall cost for your chosen warranty plan.
What Does Choice Home Warranty Cover?
Choice Home Warranty covers electrical, plumbing, and HVAC systems, plus appliances like refrigerators and ovens. They also cover items like garbage disposals, garage door openers, and exhaust fans.
What Does Choice Home Warranty Not Cover?
Choice Home Warranty doesn’t cover damage from misuse or neglect, commercial properties and commercial equipment, chimneys, or routine maintenance. They also don’t cover window air conditioning units, garage door and track assemblies, solar systems, and fuel storage tanks. You might need homeowners insurance to cover damage from weather events or intentional damage, as home warranties typically only cover normal wear and tear.
Advantages Of Choice Home Warranty
Choice Home Warranty awards, like the “People’s Choice Award” in 2020 and the “Best Home Warranty Company” in 2022, have made them famous throughout the United States. Having their warranty will give you several benefits, as they offer 24/7 service requests, with some state limitations for non-essential issues. They promise a 4-hour response time for service requests and also provide a month of free coverage with single-payment plans.
How Do I File a Claim With Choice Home Warranty?
Filing a claim with Choice Home Warranty is very easy. Simply call their helpline at 888-531-5403 or through their company’s website 24/7 to get a Claim Number for tracking. Submit the required documents and your claim form. Now, wait for their review and decision. After that, you’ll get an email with the answer.
After approval, a local contractor will be assigned for your repairs or replacement. Once your work is done, you’ll receive an invoice, and the claim will be closed after completion.
Please note that if your claim is approved, you might need to pay upfront, but Choice Home Warranty will pay you back later. Just keep your receipts and make sure the contractor has a copy of the approved claim.
Keep in that that if additional issues arise during repairs, the contractor will notify Choice Home Warranty, and the claim may be reopened. If the issue isn’t covered, you’ll need to contact the retailer or manufacturer.
Bottom Line
Choice Home Warranty plans are really good options if you want a simple plan and high coverage. However, more providers might offer more extras and customizable options, so it’s good to compare.
Frequently Asked Questions (FAQs)
What Choice Home Warranty Plans Are Available?
Choice offers two main plans, including the Basic Plan and the Total Plan. The Basic Plan covers 14 systems and appliances, like heating, electrical, plumbing, and water heater, while the Total Plan covers 18 items, including everything in the Basic Plan.
What Are The Pros Of Choice Home Warranty?
Choosing Home Warranty Plans doesn’t require a home inspection before enrollment. It will give you low monthly premiums with detailed coverage tiers, 24/7 claim processing, nationwide service availability, and a $3,000 coverage cap per item.
What Are The Cons of Choice Home Warranty?
Their service calls are restricted to in-network contractors, and some caps are as low as $500 on systems like plumbing and ducts. Moreover, they have a moderately low BBB rating, and some customers have also complained about slow service, claim denials, and poor support.
Who Is Choice Home Warranty Best For?
It is best for homeowners seeking affordable, comprehensive coverage on essential systems.
What Are The Limitations Of Choice Home Warranty?
Choice Home Warranty has several limitations, such as exclusions for routine maintenance and pre-existing issues, coverage caps, and limited add-on coverage. Some clients have also reported issues with aggressive selling and claim denials.