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Choice Home Warranty 2025 Review: Prices and Plans
Choice Home Warranty offers decent coverage limits but has mixed customer reviews.
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Senior Editor & Content Strategist
Choice Home Warranty stands out by offering consistent pricing and decent coverage caps, as well as being available in 49 states. However, its Basic Plan lacks some key coverage, and the company offers a repair guarantee for only 30 days.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
CHW's basic plan starts at $46.67 per month, the company confirms.
About $49 and up
Based on quotes gathered in February 2025.
Service fees
$100
per claim
States available
Excludes Washington.
49
states, and Washington, D.C.
Key facts
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
Pros
Will pay for wall damage caused by performing repairs.
High coverage limits on electrical and plumbing.
Coverage in most states.
Cons
Have to use its contractors.
Low customer satisfaction ratings.
Monthly fees
CHW's basic plan starts at $46.67 per month, the company confirms.
About $49 and up
Based on quotes gathered in February 2025.
Service fees
$100
per claim
States available
Excludes Washington.
49
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
Pros
Will pay for wall damage caused by performing repairs.
High coverage limits on electrical and plumbing.
Coverage in most states.
Cons
Have to use its contractors.
Low customer satisfaction ratings.
Our take on Choice Home Warranty
Overall
3.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Price
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Service fees
3.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Customer satisfaction
3.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
Breadth of coverage
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Coverage limits
5.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
This snapshot shows some factors that we consider when rating a home warranty company and is not representative of the full evaluation process.
What we like about Choice Home Warranty
The company covers up to $3,000 per covered item, which is higher than some competitors’ coverage limits. Choice Home Warranty also has consistent pricing, so you’ll pay the same as other homeowners for the same coverage regardless of your location. We also like that Choice is available just about everywhere (every state except Washington).
What we wish was better about Choice Home Warranty
Choice only offers a 30-day repair guarantee, which is lower than some of its competitors’ guarantees. Additionally, its cheaper plan doesn’t cover air conditioning repairs, and both plans are for comprehensive coverage — so you can’t cover only appliances or only systems. Choice also has mixed customer satisfaction scores on consumer review websites.
Choice Home Warranty's plans
Choice Home Warranty has two plans:
Basic Plan: Covers heating, electrical, plumbing, water heaters and most kitchen appliances, including ovens, ranges, stoves, cooktops, dishwashers, built-in microwaves and garbage disposals. It also covers garage door openers and ceiling and exhaust fans.
Total Plan: Includes items in the Basic Plan, plus air conditioning, refrigerators and washer and dryer sets.
Choice Home Warranty optional coverage
You also have the option to buy add-on coverage for:
Well pumps.
Sump pumps.
Septic systems.
Septic tank systems.
Pools or spas.
Limited roof leaks.
Central vacuums.
Second refrigerators.
Standalone freezers.
Like competitors, Choice Home Warranty only covers repairs and replacements for systems and appliances that malfunction because of everyday use, known as normal wear and tear. The company won’t cover costs for regular maintenance or physical damage.
Most home warranty companies limit how much they’ll pay to repair or replace a covered item. Choice Home Warranty caps its coverage at $3,000 for each category of items regardless of which plan you purchase. For both plans, the company will pay or reimburse you for each covered item up to:
$3,000 combined for heating and air conditioning systems.
$3,000 for electrical systems.
$3,000 for plumbing systems.
$3,000 for each covered appliance.
$500 for roof leak repair if you pay for the extra coverage.
Choice’s coverage limits are higher than some of its competitors’ coverage caps, though there are other home warranty companies that offer more coverage. Whether these coverage caps are likely to pay for the majority of repairs depends on the type of problem your appliance or system has and the cost to repair them in your area.
Choice Home Warranty plans start at $51.66 per month. Our research shows that the company offers consistent pricing in most areas.
You can get a good idea of how much a plan will cost by requesting a quote through Choice’s website. The company requires customers to provide their addresses and contact information to get price quotes.
To compare Choice Home Warranty’s pricing, we requested quotes for both plans in three cities that represent different costs of living.
City
Basic Plan monthly premium
Total Plan monthly premium
Anaheim, California
$51.66.
$60.00.
Boise, Idaho
$51.66.
$60.00.
Tulsa, Oklahoma
$51.66.
$60.00.
Average price
$51.66.
$60.00.
Like other home warranty companies, Choice Home Warranty charges a service fee, so you'll pay $100 when a technician visits your home, even if the company denies your claim. Plans come with a repair guarantee, so you won’t have to pay a second service fee if a covered repair fails within 30 days of an approved repair. However, even though a 30-day guarantee is the standard with home warranty companies, several competitors offer longer guarantees.
Like many home warranty companies, Choice requires customers to wait 30 days before filing a claim.
You can file a claim by phone with the customer service department or through the company’s online portal.
Once you’ve filed your claim, the company will contact a technician to schedule an appointment. Choice Home Warranty says that it tries to talk with a technician within four hours of your claim and will generally schedule an appointment within two days. But it might take longer in some cases. Once a technician has inspected your appliance or system, they send a diagnosis of the problem and a cost estimate to the company.
If Choice approves the estimate, the technician might be able to make the repair right away; otherwise, they’ll schedule another appointment to complete the work. If the company denies the claim, though, the warranty won’t cover the cost of the repairs, and you’ll need to pay out of pocket for a repair.
M-F 9:30am-9:30pm ET, Sa 10am-7pm ET, Su 10am-6pm ET
Call Liberty Home Guard
Limited-Time Deal: $200 off plus 2 free months of coverage
when the payment is annual
on Liberty Home Guard's website
Monthly fees
$50 and up
Based on quotes gathered in October 2024.
Service fees
$70–$125
per claim
States available
50
states, and Washington, D.C.
How to cancel a Choice Home Warranty plan
You can cancel your home warranty at any time, according to Choice’s service agreement. When you cancel determines whether you’ll receive a refund and how much. Generally, a $50 cancellation fee applies regardless of when you end your agreement.
If you cancel within the first 30 days after you purchase the plan (the 30 days you have to wait before filing a claim), the company will refund any amount you’ve paid toward the plan minus the cancellation fee. The service agreement also says Choice will deduct any service costs it incurred up to that point.
If you cancel more than 30 days after you purchase the plan, the company will prorate your refund. This means the refund will be for any unused months if you paid annually. For example, if you cancel during the third month of a 12-month plan, your refund will be for the nine months of unused coverage minus the $50 fee and any service costs the company has had to pay.
If you don’t want to renew your plan at the end of your contract,you’ll need to tell Choice that you want to cancel the service agreement at least 30 days before your contract ends. Otherwise, the company can automatically renew your agreement and charge you for another month.
Some states limit cancellation fees. In some states, a home warranty company may not be able to charge you the full $50 cancellation fee. Check the service agreement for state-specific restrictions on cancellation charges.
Customer reviews and experiences
We considered customer reviews from three review websites to get a wider perspective of customer experiences. We’ve highlighted the types of experiences that we’ve found to be most common, keeping in mind that online reviews tend to lean toward negative experiences.
What customers like about Choice Home Warranty
Some customers say the technicians are professional and repair items quickly. Positive reviews also highlight Choice Home Warranty’s fast scheduling, with technicians available to make repairs within a few days of customers filing claims. Customers have also highlighted Choice’s easy claim submission process.
What customers don’t like about Choice Home Warranty
Many negative customer reviews say that the company and technicians are slow to resolve issues or make appointments; some customers also mention interactions with unfriendly technicians. Unhappy customers also report that Choice inaccurately denies claims that should be covered. Several reviews mention customers having to find their own technicians to perform work as well. Some reviewers also say customer service is unhelpful and they struggled to get in touch with anyone to help them.
What to know before buying a home warranty
Reading the coverage and exclusions information in your contract is one of the most impactful things you can do to avoid costly misunderstandings in the future. You have a right to read your contract before purchasing a plan, and it’s important to understand that home warranties:
Always have exclusions to coverage, no matter what their sales pitches say. Read your contract carefully before purchasing a plan — especially anything listed as an exclusion or limit of liability. For example, a company might cover air conditioning systems but exclude certain parts or components, such as coils. Other companies cover plumbing repairs but won’t pay to clear all plumbing stoppages or repair certain types of leaks.
Are not a type of insurance. Even though some companies call their service fees deductibles, home warranties do not work the same way as insurance policies. They differ in what they cover and how they pay for repairs or replacements. A home warranty is not a supplement for homeowners insurance.
Limit how much they pay. If the cost of a repair or replacement goes beyond a limit stated in your contract, you’ll have to pay the difference. For example, if the bill for a repair is $2,000 and the limit is $1,500, you’re required to cover $500. This is in addition to your monthly premium and service fee.
Can deny your claim for several reasons. Examples include if you had work performed on a covered item without approval or you modified the system or appliance.
May not pay enough to cover the full cost of replacing a covered item. Home warranties often depreciate the value of items as they age, so you’ll likely have to pay at least some money to replace an item, even if it’s covered by the contract.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
Promo Code: FA200. Offer valid for new customers at the time of purchase on Consumer Essential or Premium Plan version #G. Excludes warranty plans for home buyers, sellers, agents and renewals.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
Promo Code: FA200. Offer valid for new customers at the time of purchase on Consumer Essential or Premium Plan version #G. Excludes warranty plans for home buyers, sellers, agents and renewals.
The Starter plan starts at $42 per month, the company confirms.
$42 and up
Service fees
$100 or $125
per claim
States available
Excludes Alaska, Connecticut, Delaware, Hawaii, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin.
35
states
Key facts
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
Pros
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
Cons
Coverage limited to 36 states.
Have to use its contractors.
Monthly fees
The Starter plan starts at $42 per month, the company confirms.
$42 and up
Service fees
$100 or $125
per claim
States available
Excludes Alaska, Connecticut, Delaware, Hawaii, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin.
35
states
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
Pros
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
The Appliance Guard plan starts at $49.99 per month, the company confirms. If you pay for an annual plan, the effective rate is $35.71 per month.
$50 and up
Based on quotes gathered in October 2024.
Service fees
$70–$125
per claim
States available
50, including Washington, D.C.
50
states, and Washington, D.C.
Key facts
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Pros
Can choose your own contractor.
Coverage in all states.
High customer satisfaction ratings.
Cons
Won't pay for wall damage when accessing plumbing or electrical items.
Low coverage limits on electrical and plumbing.
Monthly fees
The Appliance Guard plan starts at $49.99 per month, the company confirms. If you pay for an annual plan, the effective rate is $35.71 per month.
$50 and up
Based on quotes gathered in October 2024.
Service fees
$70–$125
per claim
States available
50, including Washington, D.C.
50
states, and Washington, D.C.
IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
Key facts
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Pros
Can choose your own contractor.
Coverage in all states.
High customer satisfaction ratings.
Cons
Won't pay for wall damage when accessing plumbing or electrical items.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of home warranty being reviewed and the warranty's cost, coverage levels, customer reviews and other features.
Our Home Services team reviews home warranty companies with our readers in mind. We provide unbiased reviews that consider several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. When rating home warranties, we researched 13 companies, compared terms and conditions in their service agreements and read customer reviews from three consumer review websites. While NerdWallet does have partnerships with some home warranty companies, our editorial team is uninvolved in that process to ensure unbiased reviews and recommendations. Read more about how NerdWallet rates home warranties.
