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Appliance Insurance Choice Home Warranty

Choice Home Warranty (CHW) offers comprehensive coverage at a low cost to clients, saving them money on costly repairs and replacement expenses for home systems and appliances. Choice Home Warranty could be a good bet for a home warranty provider if practice makes perfect.

The company is one of the most established in the sector, having handled over four million service calls. And, while they only offer two plans, each one is comprehensive, providing practical solutions to reduce prospective repair expenditures as a homeowner.

Victor Hakim started Choice Home Warranty in New Jersey in 2008. Choice offers home warranty service contracts for the repair and replacement of broken home systems or appliances. Choice offers a customer service network of over 25,000 independent contractors and serves over 1.6 million homes


  • Reasonable cost for the services offered
  • Around-the-clock assistance
  • Add-on coverage provides coverage for goods that are not commonly covered.
  • Response times are extremely rapid
  • Coverage does not necessitate a home inspection.
  • If an item fails after a repair, it is repaired for free within 90 days.
  • Workmanship warranty that is longer than normal
  • 24 hour claim service


  • Customer satisfaction is low.
  • There are just two plans to pick from.
  • Several cases for misleading claims were settled
  • In Washington, it is not available.
  • Customers are unable to select their own technician.
  • Customers are unable to modify their plans.
  • In Washington, it is not available.
  • Maximum low coverage

Available Plans

Choice House Warranty offers two options that provide comprehensive home coverage. Plumbing, electricity, heating, some kitchen appliances, ducting, and water heaters are all included under the Basic plan.

If you choose Choice Home Warranty for your coverage requirements, you will have two options: Basic and Total. The Basic plan covers the majority of appliances and systems but excludes some of the larger ones such as the air conditioning system, refrigerator, washer, and dryer.

Choice, in addition to the Basic and Total plans, provides optional coverage at an additional cost. Pool/spa, central vacuum, second refrigerator, well pump, restricted roof leak, stand-alone freezer, sump pump, septic system, and septic tank pumping are all options for customers.

Item CoveredBasic PlanTotal Plan
Heating System
Electrical System
Plumbing System
Plumbing Stoppage
Water Heater
Whirlpool Bathtub
Oven, Range, and Stove
Built-In Microwave
Garbage Disposal
Garage Door Opener
Ceiling and Exhaust Fans
Air Conditioning System
Clothes Washer
Clothes Dryer
Choice Home Warranty Plans

Here’s more information on what CHW particularly covers for a few of the goods listed above:

  • Plumbing System: Covers water leaks and breaks, shower and tub valves, and line stoppages up to 100 feet from an access point.
  • Compressors and condenser coils are covered under air conditioning.
  • Ceiling and exhaust fans: Motors, switches, controls, and bearings are all covered.

Choice Home Warranty Pricing

When a technician arrives to address an issue, policyholders must pay a service fee directly to the professional.

The average service price ranges between $75 and 125 dollars, therefore Choice Home Warranty’s rate is in line with industry standards. This charge will be applied regardless of the actual cost of the repair or replacement.

  • Monthly Cost: $45–$55
  • Annual Cost: $560–$660
  • Optional Add-Ons (additional annual cost): $40–$180
  • Service Fee Cost: $85 per claim

Choice has two plans available: Basic and Total.

The monthly fee for the Basic plan is $46.67. The Total plan, which costs $55.00 a month, is required for full coverage.

Please keep in mind that the rates we provide are simply for informative purposes and are based on a standardized template. Your premium will be determined by a number of factors, including the size and location of your property, as well as the amount of coverage you desire. Fees for trade service calls can also vary.

Damages Covered

Home warranties are intended to cover damage and breakage, but they rarely cover everything that could go wrong with a home appliance or system. One reason for many Choice Home Warranty unfavorable reviews is language viewed as deceptive or fraudulent, so be sure you thoroughly understand your service agreement before signing.

Breakage due to normal wear and tear on equipment assessed to be in proper functioning order on the effective date of the home warranty plan is covered under standard coverage. With the exception of pools/spa, well pumps, and septic systems, all objects must be located within the foundation or a detached garage area. The contract specifies that it only applies to homes with less than 5,000 square feet. Fees for larger residences will be greater.

The contract also states that it covers only one item of each type—for example, if you have more than one refrigerator, only the primary refrigerator is protected. All plans typically cover components and parts for the mentioned systems.

Exclusions from the Plan

Choice Home Warranty, like any other home warranty plan, has exclusions. The majority of the exclusions are related to plumbing, electrical, air conditioning, and water heaters.
The following items are not covered:

  • Except for outdoor or subterranean pipes, well pumps and components, window units, water towers, refrigerant line sets, fuel storage tanks, chimneys, and so on, A/C, Heating, and Ductwork are covered. Please thoroughly review the contract for an exhaustive list.
  • Except for holding or storage tanks, vents and flues, thermal expansion tanks, energy management systems, and units larger than 75 gallons, water heaters are covered.
  • Except for wire or cable for audio, video, computer, intercom, alarm or security, circuit overload, or face plates, electrical systems are covered.
  • Except for stoppages caused by collapsed or broken drains, vents, or sewer lines outside the home’s main foundation, bathtubs, sinks, showers, toilet lids and seats, caulking and grouting, water filtration systems, saunas or steam rooms, and so on, plumbing system/stoppages are covered.

In addition to these specific restrictions, plans are designed to cover appliances and systems that are in excellent functioning order at the time the plan is activated. If the problem is determined to be a pre-existing condition, even if it is undiscovered, the employer has the right to refuse service. All insured damage should be the result of regular wear and tear. In addition to these specific restrictions, plans are designed to cover appliances and systems that are in excellent functioning order at the time the plan is activated.

Coverage Caps and Limitations

The comprehensive coverage for a wide range of systems and appliances, the full cost of a repair or replacement is not always covered. According to the sample agreement, the company’s obligation for access, diagnosis, and repair or replacement will never exceed $3,000 per contract item. That is, after the $3,000 limit for a certain item is reached, users are responsible for any charges that exceed that level.

In Conclusion

Choice Home Warranty was scored 92 out of 100 by the This Old House Reviews Team. The company has competitive premiums and lower service fees ($60-$85 versus the industry average of $75-$125), and there are no coverage restrictions on systems and appliances.
Choice House Warranty is recommended if you own an older home (since the firm does not restrict coverage based on the age of your home) or if you want a low-cost protection plan. It may not be a good choice if you want to choose your own contractor for repair work or if you live in California or Washington, as coverage is not available in those states.

While the costs stated above are correct, some factors, such as the size of your property and location, may cause the amounts to vary, therefore we recommend getting a quote and providing your zip code for an actual estimate.

How Do I Buy a Choice Home Warranty Home Warranty?

Homeowners who want to buy a Choice home warranty can get an estimate online by entering their information. To begin the process, Choice will want your full name, email, home phone number, full address, and property type.
There is also the option to offer other information such as the property’s square footage, whether you are in the process of buying or selling a home, promotion codes, or your work phone number. These particulars may have an impact on the cost of your house warranty.
If you require additional support, please contact Choice by phone or email.

How Do I File a Claim With Choice Home Warranty?

Choice policyholders can request service via the online portal or by checking in to their account online. To file a claim, individuals can log in online and begin the procedure by entering their email address and policy number.
You must provide your full name, email address, phone number, the entire address of the covered property, and a statement describing your new service request. Homeowners who have a Choice warranty must request service as soon as the problem is discovered and before their contract with Choice expires.
Calling Choice’s service department or mailing the form to Choice’s physical address are other options for filing a claim.

What does Choice Home Warranty cover?

Choice Home Warranty has two programs available. The Basic plan covers the majority of the common household systems and appliances. The Total plan goes above and beyond, providing coverage in four more areas. You will receive coverage for air conditioning, heating, electrical, plumbing (including stoppages), water heater, whirlpool bathtub, refrigerator, oven/range/stove, cooktop, dishwasher, built-in microwave, garbage disposal, clothes washer and dryer, ductwork, garage door opener, and ceiling and exhaust fans if you purchase the Total plan.

Does Choice Home Warranty cover roof leaks?

Choice Home Warranty offers optional roof leak coverage, which covers the repair of roof leaks up to a $500 repair cost limit. Remember that roof leak coverage does not cover water damage to drywall or other structural elements of your home, which is covered by homeowners insurance. The home warranty coverage only covers roof repairs, and there are several exclusions.

Does Choice Home Warranty cover tree damage?

No, tree damage is not covered by Choice Home Warranty. Natural disasters that cause structural damage are more likely to be covered by a homeowners insurance policy.

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