Choice Home Warranty is a national home warranty provider with robust coverage offerings. The company offers two primary plan options: Basic and Total. Basic coverage spans common home systems and appliances, such as heating, electrical, plumbing, and ovens/stoves, while the Total Plan adds air conditioning and key kitchen/laundry appliances.
A few of the benefits of Choice Home Warranty include 24/7 claims intake and a typical contractor assignment/dispatch window of up to 48 hours (emergencies are expedited per Choice’s user agreement and FAQ), plus optional add-ons for service on your pool, roof, septic tank, and more. To choose the best warranty for your home, take time to research what this company offers and read Choice Home Warranty reviews. Compare coverage and limits to your needs and be sure to get multiple quotes before you decide.
Choice offers two main home warranty plans, along with a few standalone coverage options. The Basic Plan covers many of the most common home systems and appliances, including heating, plumbing, dishwasher, microwave, and stove. The Total Plan includes everything the Basic Plan covers, plus four critical additions: air conditioning, refrigerator, washer, and dryer. Finally, standalone coverage options are available for pools and spas, well pumps, sump pumps, central vacuums, roof leaks, septic systems, second refrigerators, and standalone freezers.
The Claim
“We’re the tech leaders in the home warranty industry,” Victor Mandalawi, President of Choice Home Warranty, told Reviews.com in an email. “We’re a tech company that happens to be in home warranties. Our technology allows us to process claims faster and serve our customers better.” On its website, Choice promises “to always offer our customers fast and simple solutions, along with excellent service technicians.” However, Choice’s current public materials emphasize standard digital self‑service (24/7 online claims and account access) and a typical 48‑hour initiation/dispatch window rather than a four‑hour commitment (user agreement; FAQ). In 2024, the FTC announced a settlement that also requires clearer disclosures and practices.
Is it true?
No. As of 2025, Choice states that after you submit a service request, it will typically initiate service and assign a contractor within 48 hours, with emergency issues expedited (user agreement; FAQ). That four‑hour processing claim does not appear in Choice’s current official materials. For context, peers like American Home Shield indicate a similar 24–48 hour window in their FAQ. Choice typically charges a reasonable service fee (often around $85, varies by state/contract) and offers a workmanship guarantee of 90 days on parts and 30 days on labor; customer experiences on public review platforms vary by location and issue type.
Product Overview
Best for
Simple plan choices, nationwide availability, and 24/7 claims with typical dispatch within 48 hours
Not for
Shoppers seeking highly customizable plans or the highest published coverage caps
Features
| Price | Varies |
| States served | 50 |
| Customer service hours | 24/7 |
| Plans offered | Basic Plan; Total Plan; optional add-ons |
| Workmanship guarantee | 90 days parts, 30 days labor |
| Standout features | 24/7 claims intake; typically initiates service within 48 hours (emergencies expedited); transparent online user agreement; comprehensive, simple plan menu |
24/7 claims intake; typical dispatch within 48 hours
Homeowners submit a home warranty claim when a system or appliance (that is covered by their contract) breaks down. The home warranty company will then dispatch a service technician to visit your home and determine whether your contract will cover a replacement or repair, based on how and why your system or appliance has malfunctioned or stopped working. Choice Home Warranty’s current standard is to initiate service and assign a contractor typically within 48 hours after receiving your request, with emergency situations expedited (user agreement; FAQ). That doesn’t guarantee a technician will arrive within that timeframe; it refers to beginning service and scheduling. This expectation aligns with leading competitors in the home warranty space.
Upfront pricing and liability caps
As we noted in our methodology when picking the best home warranty companies, we only recommend providers who make sample contracts available online. We love how Choice puts a sample contract right in the main navigation bar of its website (under “user agreement”) instead of burying it on another page. Choice’s contracts spell out service fees, coverage limits, and item-level sublimits, which can vary by state and plan; review your agreement carefully before purchasing. For comparison, American Home Shield publishes plan tiers with clearly stated per-item caps at higher levels.
Promotions and introductory offers
Choice periodically advertises promotional pricing or introductory offers; the details can vary by market and time. Verify current terms during checkout and expect clear, all-in pricing disclosures in jurisdictions with price-transparency rules (for example, California’s SB 478).
Possible Drawbacks
Few customization options
We wish Choice’s home warranty plans were a little more flexible or a la carte, so you could pay for only the systems and appliances you need. The two plans Choice currently offers are simple to understand, but many important items (like air conditioning and major appliances) are only included with the Total Plan. Choice typically uses a fixed service fee (often around $85, varies by state/contract), whereas competitors such as American Home Shield ($100 or $125) and AFC Home Club ($75, $100, or $125) let you choose among fee levels in exchange for different monthly premiums.
The Competition
| Choice Home Warranty | American Home Shield | AFC Home Club | The Home Service Club | |
| BBB Rating | B- | B | B | N/A |
| Service fee | $85 | $100 or $125 | $75, $100, or $125 | $65 or $95 |
| Workmanship guarantee | 90 days parts, 30 days labor | 60 days | Life of contract | 90 days parts, 30 days labor |
| 24/7 support | ✔ | ✔ | ✔ | ✔ |
| View plans | View plans | View plans | View plans |
Choice Home Warranty vs. American Home Shield
Choice is one of the larger home warranty companies in the United States, though not as large as American Home Shield (AHS). AHS offers three plan tiers and higher published appliance caps at its upper tier, along with a choice of $100 or $125 service fees (plans; U.S. News 360 Reviews). Choice, by contrast, uses a simpler two‑plan menu and typically a flat service fee around $85 (varies by state/contract), but U.S. News’ 2025 analysis places Choice below AHS overall (U.S. News 360 Reviews).
Choice Home Warranty vs. AFC Home Club
The biggest differentiator between Choice Home Warranty and AFC Home Club is the workmanship guarantee — also known as the recall period — specified in their sample contracts. Choice’s repairs and replacements are guaranteed for 90 days for parts and 30 days for labor (terms vary by state), which is pretty standard. AFC Home Club guarantees covered work for the life of your plan term and lets you choose your own licensed contractor; it also offers three service fee options ($75, $100, or $125) (AFC plan comparison; U.S. News 360 Reviews). Choice’s strength is a simpler plan menu with nationwide availability, but be sure to review item‑level sublimits.
Choice Home Warranty vs. Home Service Club
At first glance, Choice and The Home Service Club look similar, including a workmanship guarantee of 90 days for parts and 30 days for labor. The bigger differences tend to lie in which items are included at each tier and the specific caps and exclusions in the fine print. Compare each company’s coverage lists, limits, and sample contracts carefully to see which aligns with your needs.
Choice Home Warranty FAQ
Does Choice Home Warranty require a home inspection?
Choice does not advertise a home inspection requirement to enroll, but it recommends ensuring covered items are in good working order. Like most providers, contracts exclude pre‑existing conditions, so issues that existed before coverage began are not covered (see the user agreement and FAQ for details).
Does Choice Home Warranty have a recall period for repairs?
Yes. Choice offers a workmanship guarantee for repairs and replacements — 90 days for parts, 30 days for labor — though specific terms can vary by state; review your contract (user agreement).
The Bottom Line
Choice Home Warranty offers straightforward plans, an affordable service fee structure (typically around $85, varies by state/contract), and a respectable workmanship guarantee. Its current service standard is 24/7 claims intake with contractor assignment typically within 48 hours, with emergency requests expedited (user agreement; FAQ). Editorial comparisons like U.S. News 360 Reviews and U.S. News 360 Reviews often rank American Home Shield and AFC Home Club higher overall, largely due to higher caps, plan breadth, or contractor flexibility, but Choice can be cost‑competitive if its coverage limits fit your needs. Choice Warranty reviews on ConsumerAffairs and other public platforms reflect a mix of positive and critical experiences; check current ratings and read recent reviews for context.
