Choice Home Warranty Review

Quick Facts

Score Breakdown

Final Score: 87.0/100 (9.0 normalized)

Overview

Choice Home Warranty has built its brand on simplicity and affordability. Two plans, one flat service fee, and one of the lowest monthly prices in the industry — that's the pitch, and it works for homeowners who want straightforward coverage at a predictable cost.

Choice has served millions of homes since launching in 2008 and runs aggressive promotional pricing year-round, including a free month and reduced service fees for new customers.

Plans & Coverage

• Basic Plan: Covers most major appliances and several home systems including heating, electrical, plumbing, and water heater.
• Total Plan: Adds AC system, refrigerator, washer/dryer, and a few additional items not in Basic.

Pricing

Choice is among the cheapest providers we reviewed. The Basic plan starts around $46/month and the Total plan around $55/month, with the standard $85 service fee. Multi-year and annual prepayment discounts can drop effective monthly rates further.

Claims Process

Claims are accepted 24/7 by phone or online portal, and Choice commits to dispatching a tech within 4 hours for emergencies, 48 hours for non-emergencies. Resolution times averaged 3.6 days in our data.

Customer Service

Customer service is offered by phone and online chat. Choice has historically had a higher complaint volume than some competitors, but it has invested heavily in claims-experience improvements over the past two years.

Pros & Cons

What Customers Are Saying

Choice averaged 4.0/5 in our analysis. Positive reviews highlight low cost and quick scheduling; the most common complaints involve denied claims on items the customer believed were covered.

Bottom Line

Choice is the right pick for budget-focused homeowners who want a clean two-plan menu and don't need the extras (roof-leak, premium add-ons) that come with our top picks. Read the contract carefully so you know exactly what's covered.