Choice Home Warranty Review

Crystal clear contracts and the fastest claims processing in the industry ​ reviews products and services to help you make well-informed choices. Although, our writers and editors follow a strict methodology for presenting information, our posts may reference products from our partners. For more information, learn how we make money. This content is powered by (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of LLC services are only available in states where it is licensed and insurance coverage through may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Rates
Fast, 24/7 claims processing
Upfront pricing and liability caps
Free first month

Show Similar Products

American Home Shield

Compare Rates Read Review

The Home Service Club

Compare Rates Read Review

Advertiser Disclosure

Close icon.

We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

Choice Home Warranty may be new to the game — this warranty company has only been around since 2008 — but it’s a fast-growing home warranty company with robust coverage offerings. This company has two primary plan options: basic and total. Basic coverage includes 14 appliances and systems, including heating systems, electrical, plumbing and ovens/stoves. Total Plan coverage also includes air conditioning and four other systems.

A few of the benefits of Choice Home Warranty include its fast claim processing time (claims are processed within four hours on average) and the optional add-ons for service on your pool, roof, septic tank and more. To choose the best warranty for your home, you should take the time to research what this company offers and read the Choice Home Warranty reviews. Compare what this warranty company offers to what you need 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 14 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 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.”

Is it true?

Yes. When it comes to speed, Choice processes claims faster than anyone else we’ve come across in the home warranty industry. American Home Shield, for example, promises to respond within 48 hours in its sample contract, but Choice processes 80% of its claims within just four hours. (To be clear, that doesn’t mean 80% of its claims are approved for replacements or repairs, only that they quickly schedule a service visit to help make a determination.) Choice also boasts a reasonable service fee of $85 (other providers can range as high as $125), and it enjoys great customer service ratings from sites like Consumer Affairs.

Product Overview

Best for

Comprehensive coverage and lightning-fast responses

Not for

Custom plans


Price Varies
States served 50
Customer service hours 24/7
Plans offered Basic Plan Total Plan (recommended) Standalone add-ons
Workmanship guarantee 90 days parts, 30 days labor
Standout features Responds to 90% of claims in just 4 hours Great customer service ratings Comprehensive coverage Free first month

Fast, 24/7 claims processing

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 offers some of the fastest claims processing in the industry — usually in four hours or less. That doesn’t mean a service technician will arrive within four hours, only that your claim will be processed and your technician visit scheduled. Still, it’s faster than most of Choice’s 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 liability cap on plumbing repairs is $3,000 per contract term, which is considerably higher than American Home Shield’s $1,000 plumbing cap. Being upfront about liability caps and service fees bodes well for the company’s transparency and accountability.

Free first month

Choice waives the first month’s contract fee with the purchase of a single payment plan. While that’s common among TV providers and other services, it’s pretty rare for a home warranty company, and will make a nice little dent in your annual cost.

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 comprehensive, but some of the most critical things every homeowner would probably want covered (air conditioning, refrigerator, clothes washer and dryer) are only available with the more expensive plan.

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 $75, $100, or $125 $60 $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 largest home warranty companies in the United States, though not as large as American Home Shield (AHS). Overall, AHS offers more generous liability caps and more customizable plans, but Choice boasts a cheaper service fee, a longer workmanship guarantee, and slightly higher customer satisfaction ratings.

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, 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.

Choice Home Warranty vs. Home Service Club

At first glance, Choice and The Home Service Club look pretty similar. Both offer the same workmanship guarantee (90 days parts, 30 days labor). One thing we like about Home Service Club is that their lower-cost plan includes air conditioning, refrigerators, washers, and dryers — with Choice, you’ll have to purchase the more expensive “Total Plan” in order to cover those.

Choice Home Warranty FAQ

Does Choice Home Warranty require a home inspection?

No, Choice doesn’t require a home inspection. However, they do recommend one “to make sure all items are in good working order,” because their contracts won’t cover “any known or unknown pre-existing conditions.”

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.

The Bottom Line

Choice Home Warranty offers some of the most comprehensive plans in the industry, along with an affordable service fee and a respectable workmanship guarantee. But the feature that makes Choice stand out from the crowd is its lightning-fast claims processing, thanks to Choice’s investments in technology and customer service. Choice Warranty reviews on ConsumerAffairs also indicate largely positive experiences from customers. If you want everything in your home to be covered by a home warranty plan — and you want a quick response in the event of a claim — Choice is an excellent . . . well . . . choice.

About the Authors

Adam Morgan

Adam Morgan Contributor

Adam Morgan is a former senior editor for He's written about banking, credit cards, home warranties, insurance, and many other subjects (like running shoes) to give our readers the best information to assist in their buying decisions. His writing has been featured in The Los Angeles Times, Chicago Tribune, The AV Club, The Guardian, Chicago magazine, Minneapolis Star-Tribune, and elsewhere.

Table Of Contents