Choice Home Warranty Review: Prices and Ratings (2025)

Choice Home Warranty sells two home warranty plans and offers add-on coverage for pools, septic systems, roof leaks, and more.1 It has a nationwide network of more than 25,000 licensed contractors and provides 24/7 customer support to assist whenever you need to file a claim.

In terms of customer satisfaction, Choice Home Warranty has varying reviews. On Trustpilot, the company has mostly positive reviews and a rating of 4 out of 5 stars. On Reddit, though, countless users strongly advise against purchasing a warranty from the company.

Choice Home Warranty at a glance

Available in nearly every U.S. state, Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. The Basic Plan covers limited home systems, while the Total Plan provides more complete coverage for your home’s systems and appliances. Optional add-on coverage is available, too.

If you file a home warranty claim, the company will send a licensed repair professional to your home — you can’t choose your contractor. You’ll pay a $100 service fee each time a contractor visits your home, regardless of how much the repair costs.

When new customers sign up and choose a single-payment plan, Choice Home Warranty offers one month of free service. Coverage begins after a 30-day waiting period.

Choice Home Warranty plans and coverage

Choice Home Warranty has two core warranty plan options. The table below shows how the Basic Plan and the Total Plan compare.

In addition to these two plans, Choice Home Warranty offers the following add-on coverages for an extra fee:

• Pools/spas

• Well pumps

• Sump pumps

• Central vacuums

• Roof leaks (limited coverage)

• Septic systems

• Second refrigerators

• Stand-alone freezers

• Septic tank pumping

What does Choice Home Warranty not cover?

Choice Home Warranty’s plans have some exclusions. Items not covered under either warranty contract include:

Coverage and payout limitations of Choice Home Warranty

A Choice Home Warranty plan provides a maximum payout of $3,000 per covered item every 12 months, with roof leak coverage capped at $500. It’s up to the company to decide whether to repair or replace a covered appliance or system.

Coverage limits include access costs, diagnosis, and repair or replacement. If a covered system or appliance isn’t easily accessible, the company will pay up to $500 to gain access through roofs, unobstructed walls, ceilings, or floors.

How customers feel about Choice Home Warranty

Choice Home Warranty has mixed ratings. It has a rating of 4 out of 5 stars on Trustpilot, with mostly positive reviews. But on Reddit, you’ll find countless posts claiming that Choice Home Warranty is a scam and should be avoided at all costs. Dozens of customers report having warranty claims denied that should’ve been covered based on the terms of their contract.

Where Choice Home Warranty stands out

People leave positive reviews about friendly customer support agents and fast claim response times. Many also express satisfaction with the service technicians sent to their homes for repairs or replacements.

Choice Home Warranty’s positive reviews often mention:

• Helpful customer service agents

• Efficient claim handling

• Knowledgeable service providers

Where Choice Home Warranty falls short

Numerous reviews state that Choice Home Warranty isn’t trustworthy and finds ways to deny claims. Customers also complained about very slow service call times when claims were approved.

Some of the biggest complaints about Choice Home Warranty are:

• Denied claims, even for covered items

• Low claim payouts

• Technicians not showing up

How Choice Home Warranty compares to other companies

Before purchasing a home warranty, it’s a good idea to compare a few companies to ensure you get the coverage you need.2 Here’s how Choice Home Warranty compares against two of its biggest competitors.

Choice Home Warranty vs. American Home Shield

If appliance coverage is your priority, American Home Shield’s Platinum Plan pays up to $4,000 per covered appliance. In comparison, Choice Home Warranty’s plans cover up to $3,000 for each covered appliance.

American Home Shield has a rating of 4.2 stars from Trustpilot, which is slightly better than Choice Home Warranty’s 4-star rating. Reviews for the company vary widely. Some customers praise the skillful technicians and prompt service times, but others complain about poor customer service, difficulty canceling their contract, and high plan costs.

Choice Home Warranty vs. Liberty Home Guard

Liberty Home Guard stands out against Choice Home Warranty because of its high BBB rating. With 4.21 out of 5 stars, it scores significantly higher than Choice Home Warranty. Additionally, Liberty Home Guard has a 4.6-star rating from Trustpilot.

Liberty Home Guard has mostly positive reviews. Customers often express satisfaction with the easy claim process, speed of service, and repair technicians. But others said their claims were repeatedly denied or the company paid for only a small portion of the claim cost, leaving them with a big out-of-pocket expense.

How to file a home warranty claim with Choice Home Warranty

You can file a Choice Home Warranty claim 24/7. Follow these steps to request service:

1. Contact the company. Call Choice Home Warranty at 1 (888) 531-5403 or log in to your online portal to file a claim.

2. Wait for the technician. After you submit your claim, Choice Home Warranty will send a licensed and insured repair professional to your home to assess the issue. You’ll pay a $100 service fee.

3. Technician makes the repair or replacement. The technician will repair or replace the covered system or appliance. If the repair cost exceeds your plan’s coverage limits, you’ll pay the difference out of pocket.

Choice Home Warranty FAQs