Choice Home Warranty Review 2021: Plans and Coverage

Choice Home Warranty: Offers consumers with extended coverage at a reasonable price, which saves homeowners money on an expensive home system that appliance repair costs. For more details read on!

Choice Home Warranty is a provider of home warranty services founded in 2008, with headquarters in Edison, New Jersey. The business is also the country’s second-largest home warranty retailer and providers broad coverage solutions across a range of home appliances and systems.

Choice Home’s industry experience and rapid growth in recent years have given the company the ability to process claims faster than many other warranty service companies available while providing top-notch customer service experiences.

They also have reasonable service fees and are available in 48 out of the 50 states.

Pros and Cons of Choice Home Warranty

Pros

More affordable plans than competitors
Home inspections aren’t required for coverage
Free repairs within 90 days if an item breaks down after a repair

Cons

Not available in California, Washington, or Oklahoma
Doesn’t allow customers to choose their own technician
Also doesn’t allow customers to customize their plans

Choice Home Warranty Plans and Coverage

Available Plans and Coverage

Basic Plan	Total Plan (includes Basic, plus these features):	Optional Coverage
Heating System	Air Conditioning System	Pool, Spa
Electrical System	Refrigerator	Well Pump
Plumbing System and Stoppage	Clothes Washer	Sump Pump
Water Heater	Clothes Dryer	Septic System
Whirlpool Bathtub		Septic Tank Pumping
Oven, Range, Stove		Stand Alone Freezer
Cooktop		Limited Roof Leak
Dishwasher		Second Refrigerator
Built-in Microwave		Central Vacuum
Garbage Disposal
Ductwork
Garage Door Opener
Ceiling and Exhaust Fans

Optional Add-Ons

System or Appliance	What’s Covered?
Plumbing System	Leaks and breaks of water Valves for shower and tub Stoppages in lines up to 100 feet from an access point
Air Conditioning	Compressor Condenser Coil
Ceiling and Exhaust Fans	Motors and switches Controls and bearings

Before purchasing a home warranty, we recommend analyzing the user agreement to understand the full extent of coverage and know what is and isn’t covered under your policy.

Read: Home Owners Insurance: Does it Cover Break-Ins and Theft?

Coverage Exclusions

Choice Home Warranty excludes pre-existing conditions from its coverage. If you feel like your equipment is old enough to begin experiencing issues, it’s important to purchase coverage before problems occur.

Other items that aren’t covered include:

Cosmetic items like knobs, rollers, handles, and doors
Air conditioning maintenance and associated registers or grills
Sediment build-up or reservoir tanks for water heater coverage
Damage caused by acts of God like theft, fire, and also storm damage

Choice Home Warranty Pricing

When the This Old House Reviews Team called Choice Home Warranty for a quote, they found that their plans ranged between $36 to $44 per month or $434 to $526 annually.

Additionally, If you decide to purchase any of the optional add-ons, you can expect to pay an additional $46–$180 per year depending on the add-ons you include with your plan.

Service Fees

Policyholders must pay a service fee directly to a technician when they arrive to address an issue. The average cost of a service fee generally ranges between $75–$125.

However, Choice Home Warranty offers a competitive fee of $60–$85 per claim, regardless of the actual cost of the repair or replacement that’s made.

Coverage Caps and Limitations

The sample homeowners agreement states that the liability coverage for repairs/replacement through Choice Home Warranty is limited to $1,500 per contract item i.e., one unit, system, or appliance unless additional fees are paid.

However, certain limits of liability may apply to covered systems and appliances at the company’s discretion. For example, on electrical systems, plumbing systems, ductwork, and well pump coverage; the company will pay no more than $500 per contract term.

Limitations of liability exist and are not included in the contract for malfunction or improper operation due to rust or corrosion, collapsed ductwork, and known or unknown pre-existing conditions.

The Competition

Choice Home vs. American Home Shield

Choice Home Warranty and American Home Shield both have certain things in common when comparing home warranties, including 24/7 claims service and national coverage (American Home Shield excludes Alaska).

American Home Shield’s average yearly cost is $600 while Choice Home Warranty averages $450 per year. Choice Home Warranty’s service recall period is 90-days on parts and 30-days on labor while American Home Shield guarantees both parts and labor for 60 days.

Choice Home Warranty offers a few more coverage items than American Home Shield, including limited roof leak coverage, whirlpool baths, and stand-alone freezers.

The BBB rating for American Home Shield is better with a “B” rating while Choice Home Warranty has a “B-” rating.

Choice Home vs. AFC Home Club

The biggest difference between Choice Home Warranty and AFC Home Club is the workmanship guarantee specified in their sample contracts- also known as the recall period.

Choice’s repairs and replacements are guaranteed for 90 days for parts and 30 days for labor, which is pretty standard. But AFC Home Club actually guarantees their work for the life of your contract, which is incredible.

Also, AFC Home Club’s $60 service fee is among the lowest in the industry. However, Choice is available in all 50 states, whereas AFC Home Club doesn’t offer warranties in California, South Carolina, or Hawaii.

Bottom Line

Choice Home Warranty is a common home guarantee product because it has robust coverage and reasonable pricing. Additionally, Homeowners with add ons can customize their coverage. It also provides the option of one trade service fee – a nominal $85

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