Choice Home Warranty Review: Is It Worth It?

Homeowners insurance is great for covering the cost of damage from natural disasters like hurricanes. But do you know what your homeowners insurance probably doesn’t cover? It’s more than you may realize. Think appliances, HVAC systems and more that can break down from typical wear and tear. Home warranties exist to cushion that cost: you pay a monthly fee, and the company steps in to cover repairs or replacements when a covered system or appliance fails.

One such company is Choice Home Warranty, but how do you know if it’s the right company for you? Read on for our Choice home Warranty review that will discuss plan features, pros and cons, and if it’s worth it.

Choice Home Warranty at a Glance

Choice Home Warranty offers two home warranty plans — the basic plan and the total plan. Although they can be relatively affordable, its customer complaint record is significant.

• Plans: There are two tiers of coverage: basic and total. The cost depends on where you live and the coverage you want, but some entities report you can get a quote as little as $47 a month. 
• Service call fee: $100 per claim
• Available in 48 states; 30-day waiting period for new plans
• Trustpilot: 4 stars out of 5 (57,000+ reviews)
• BBB: B rating; 1-star average from customer reviews
• No home inspection required to enroll

Not sure whether a home warranty is right for your situation? Our guide to home appliance protection plans explains how these products compare.

Is Choice Home Warranty Legit?

Yes — Choice Home Warranty is a real, licensed company. But legitimacy doesn’t always guarantee quality of service, and the company has a complicated track record.

Choice has been operating since 2008 and serves customers in 48 states. It’s a legitimate business with an active customer base. Although it has a B rating from the Better Business Bureau, it has accumulated nearly 11,000 complaints on the BBB platform.

Common complaints include denied claims, long contractor wait times, and customer service difficulties. A BBB customer review average of 1.03 out of 5 stars reflects these patterns.

The picture is more balanced when you look at Trustpilot, where Choice carries roughly a 4-star rating from more than 57,000 reviews — with 61% rated five stars. This shows there are customers who had good experiences, particularly those with routine or lower-cost claims.

Another thing to consider: In 2019, the Arizona Attorney General’s office filed a consumer fraud lawsuit against Choice Home Warranty alleging the company failed to repair items it had advertised as covered. That case settled in January 2026 for $11.8 million — the largest home warranty consumer fraud settlement in Arizona history. Choice denied the allegations. The settlement requires the company to reform its sales practices and provide clearer disclosures about coverage limitations.

The bottom line is that Choice Home Warranty is a real company offering real coverage. Whether that coverage meets your expectations will depend on the claim type, the exclusions in your plannand the contractor assigned to you.

Choice Home Warranty Plans and Pricing

Choice Home Warranty offers two plans — the Basic Plan and the Total Plan — each with an $100 service call fee per claim. Pricing varies by state. Offers change; verify terms directly at choicehomewarranty.com.

Optional add-on coverage for items like pools, spas and well pumps is available at additional cost. Because plan terms and pricing can change without notice, always confirm current rates directly with Choice before purchasing.

What Does Choice Home Warranty Cover?

Choice Home Warranty covers the mechanical failure of major home systems and appliances due to normal wear and tear. It doesn’t cover issues related to pre-existing conditions (problems you had before obtaining coverage), improper installation or cosmetic damage. For the full list, see Choice’s coverage disclosure.

Covered items by category, depending on plan:

HVAC and Heating

• Heating system (furnace, heat pump)
• Ductwork
• Air conditioning system (Total Plan only)

Plumbing

• Interior supply lines and drain lines
• Toilets (interior components)
• Faucets and valves
• Water heater (tankless included, with coverage limits)

Electrical

• Wiring, outlets, and electrical panels
• Ceiling fans
• Garage door opener

Appliances

• Dishwasher, oven/range, built-in microwave, garbage disposal
• Refrigerator (Total Plan only)
• Washer and dryer (Total Plan only)

Coverage caps apply — multiple review sources cite up to $3,000 per system or appliance. Verify current limits in your contract. Offers change; verify terms.

What’s NOT covered:

• Pre-existing conditions (problems that began before your policy start date)
• Damage from improper installation, modification or misuse
• Cosmetic damage (dents, scratches, finish issues)
• Items covered by a manufacturer’s warranty or under a recall
• Routine maintenance (filter replacements, HVAC tune-ups)
• Outdoor plumbing, sprinkler systems
• Air conditioning registers, grills and vents

Choice Home Warranty Reviews: What Real Customers Say

Customer experiences with Choice Home Warranty are pretty divided — the company has strong ratings on Trustpilot but has a lot of complaints on the BBB.

On Trustpilot, Choice holds approximately a 4-star rating from more than 57,000 reviewers, with roughly 60% giving the company five stars. Positive reviews commonly describe quick contractor dispatch, easy claim filing and satisfactory repair outcomes for routine issues.

The BBB profile tells a different story. Although Choice carries a B rating, it also has a 1-star average from customer reviews, with nearly 11,000 complaints on file. Common complaint themes include:

• Claim denials citing pre-existing conditions or plan exclusions
• Extended waits for contractor assignment, especially in peak seasons
• Contractors failing to show up or complete repairs on the first visit
• Difficulty reaching customer service and resolving disputes

The most likely explanation of the divide is that customers with straightforward, lower-cost claims tend to have satisfactory experiences, while those with more complex or higher-value claims are more likely to encounter denials or delays. This lines up with the allegations in the Arizona AG case, which focused on the company’s handling of costly repairs. Claims experiences vary, so review your contract exclusions carefully before signing.

Choice Home Warranty Pros and Cons

Choice Home Warranty has competitive pricing and a broad coverage catalog, but its high complaint volume and inconsistent service quality are real drawbacks that need careful consideration.

Pros

• Affordable monthly pricing (~$47–$57.50/mo) competitive with industry average
• Available in 48 states — wide service area
• No home inspection required to enroll
• 24/7 claims filing available online or by phone
• Broad catalog covers most major home systems and appliances

Cons

• Nearly 11,000 complaints on file with the BBB
• Variable contractor quality and scheduling delays reported
• Coverage caps (~$3,000 per system/appliance) may not fully cover replacement costs
• 30-day waiting period before coverage begins on new plans
• 2019–2026 Arizona AG consumer fraud case settled for $11.8 million

Choice Home Warranty vs. Select Home Warranty

Choice Home Warranty and Select Home Warranty are two of the most frequently compared budget home warranty options. They’re similarly priced, but with different tradeoffs on service fee, coverage, and reputation.

Select Home Warranty’s lower starting prices can be appealing, but the company may require maintenance documentation before approving some claims. Choice generally has higher coverage caps on individual items and a larger customer base, but it comes with a more significant complaint history. Neither company is accredited with the BBB. If you’re choosing between the two, consider whether the lower premium or the higher coverage cap matters more for your situation.

How to File a Claim With Choice Home Warranty

Filing a claim with Choice Home Warranty is a straightforward process — you can do it online or by phone, any time of day, and a contractor is typically assigned within 48 hours.

Step 1: File your claim. Call Choice’s claims line at 1-888-531-5403 or log in to the online portal. Claims can be filed 24 hours a day, 7 days a week. Have your contract number and a description of the issue ready.

Step 2: Pay the service call fee. The $100 trade service call fee is required per claim. This fee applies each time a contractor is dispatched — even if the same issue requires multiple visits.

Step 3: Contractor assignment. Choice will assign a local licensed contractor, typically within 48 hours for non-emergency requests. It may take longer if it’s a busy time or you live in a rural area.

Step 4: Diagnosis and decision. The contractor assesses the problem and reports back to Choice. Choice will then authorize a repair, a replacement or — in some cases — a cash settlement based on the item’s actual cash value (accounting for depreciation).If your claim is denied: Choice will provide a reason in writing. The most common denial reasons involve pre-existing conditions, improper installation or items excluded in your contract. Review the denial carefully — you may be able to appeal in writing or request a different contractor.

Who Should Get Choice Home Warranty (And Who Shouldn’t)

Choice Home Warranty may be a reasonable fit for budget-focused homeowners with older homes. However, it’s probably not the best option for those who need reliable service and those who have newer appliances covered under manufacturer warranties.

Choice Home Warranty may work well for:

• Homeowners with older homes and multiple aging systems who want broad coverage under one policy
• Budget-conscious buyers looking for the lowest monthly cost for the widest system coverage
• First-time homeowners who want a simple safety net for unexpected repair costs
• Buyers without existing manufacturer warranties on their major appliances

Choice Home Warranty is probably not the best fit for:

• Homeowners with brand-new appliances still under manufacturer warranty — you’d be paying for overlapping coverage
• Those who want premium service or guaranteed fast contractor response times
• Homeowners in rural areas where contractor availability may be limited
• Anyone who needs a high degree of certainty about claim outcomes before purchasing

If your primary concern is individual appliance breakdowns rather than whole-home coverage, it’s worth comparing appliance extended warranties as a more targeted alternative. A home warranty covers your full system; a targeted protection plan covers a single appliance — often at a lower cost if you only have one or two items you’re worried about.

FAQs About Choice Home Warranty

Final Verdict

Choice Home Warranty can be a good value for homeowners looking for broad coverage at a budget-friendly monthly price — but it comes with real caveats to weigh before signing.

The company’s pricing is competitive, its coverage catalog is fairly comprehensive and millions of customers have had satisfactory experiences — particularly with routine, lower-cost claims. At the same time, the nearly 11,000 complaints on the BBB and a just-settled $11.8 million consumer fraud case in Arizona are not things a buyer should overlook. The gap between Trustpilot and BBB ratings suggests the experience is inconsistent.

For homeowners who want a straightforward way to budget for unexpected home repairs and can tolerate some variability in service, Choice may be worth considering. Make sure to review the exclusions carefully, understand that coverage outcomes vary and know the process for appealing a denied claim.