Right now there is one offer worth knowing about first. Pick any Single Payment plan from Choice Home Warranty and your first month is free. That is a whole extra month of coverage, and you pay nothing for it.
There is also a promo code box on the quote form. Got a code from Choice? Put it in there. Prices and offers change by state, so the quote page is where you see what is live for your address today.
Okay, now the why.
You own a home, so things break. That is just how it goes. The heat quits in January. The fridge goes warm overnight. A drain backs up the day before guests arrive. And none of those bills are small.
That is the spot Choice Home Warranty fills. When a covered system or appliance breaks, you pay a flat service fee, and Choice sends someone to fix it.
They have been at this a long time. Choice says it has handled more than 9.8 million service requests and covered over 2.9 million homes. It works with more than 25,000 contractors. Plans are sold in 49 states. Washington is the only one not covered right now.
Two Plans, Basic and Total
Choice keeps this part easy. There are just two plans.
Both cover a mix of home systems and appliances. Both use the same flat $100 service fee every time a contractor comes out, no matter what the actual repair costs. And both cap coverage at $3,000 per covered item for each 12 months.
Here is what each plan covers.
| Covered Item | Basic Plan | Total Plan |
|---|---|---|
| Heating system | Yes | Yes |
| Electrical system | Yes | Yes |
| Plumbing system and plumbing stoppage | Yes | Yes |
| Water heater | Yes | Yes |
| Whirlpool bathtub | Yes | Yes |
| Oven, range, stove and cooktop | Yes | Yes |
| Dishwasher | Yes | Yes |
| Built-in microwave | Yes | Yes |
| Garbage disposal | Yes | Yes |
| Ductwork | Yes | Yes |
| Garage door opener | Yes | Yes |
| Ceiling and exhaust fans | Yes | Yes |
| Air conditioning | No | Yes |
| Refrigerator | No | Yes |
| Washing machine | No | Yes |
| Dryer for your clothes | No | Yes |
So Basic covers 14 items. Total adds air conditioning, the fridge, the washer and the dryer, for 18 in all.
Got central air and your own laundry? Then Total is probably the one to price first.
What does it cost? Honestly, you will not find a price list on the Choice site. It changes with your home, where you live, and which add-ons you want. The quote form is how you get your number. Then you choose. Pay each month, or pay it all at once with a Single Payment plan. That second option is the one that comes with the free first month.
Add-Ons You Can Pick
Need more than the main plans? You can add coverage for things your house actually has.
- Pool and spa
- Well pump
- Sump pump
- Limited roof leak
- Central vacuum
- Second refrigerator or stand-alone freezer
- Septic system and septic tank pumping
A few of these have lower limits than the main items. Well pump, roof leak and septic have a $500 limit. Septic tank pumping is $250.
Our advice? Only add what you have. A pool add-on does nothing for you if there is no pool in the yard.
What Happens When Something Breaks
You call, or you file online. The claims line is open 24 hours a day, 7 days a week, every day of the year.
Choice then starts reaching out to a contractor within 4 hours. The contractor comes to your home, and you pay the $100 service fee. Choice covers the rest, up to the limit for that item.
Here is a part we like. If the same repair fails within 30 days, Choice fixes it again with no new fee.
One thing to plan for. Coverage starts 30 days after Choice receives your plan fee. So it is smart to sign up before something breaks, not after.
Why Choose Choice Home Warranty
You want to know what you will pay before you need help. You want a plan you can read in five minutes. And you want a company that has already done this millions of times.
That is pretty much Choice.
It works well for people with older systems and appliances. For new homeowners who do not have a list of repair people yet. For buyers who want coverage right after closing. And for sellers who want one less thing for buyers to worry about.
No long list of plan levels to sort through. Just Basic or Total. A $3,000 limit per covered item. A big contractor network. And claims open day and night.
Here is how that looks next to two well-known names.
| Feature | Choice Home Warranty | American Home Shield | First American Home Warranty |
|---|---|---|---|
| Main plans | 2 (Basic, Total) | 3 (ShieldSilver, ShieldGold, ShieldPlatinum) | 3 (Starter, Essential, Premium) |
| Service fee | Flat $100 per claim | You pick a fee level | Check site |
| Coverage limit per covered item | $3,000 per 12 months | Check site | Check site |
| Claims | 24/7, online or phone | Check site | Check site |
| States | 49 (not Washington) | Check site | Check site |
Choice wins on keeping it simple. Two plans. One fee. You know what you pay and you know what is covered.
Current Promotions and Savings
The big one on the site right now is First Month Free with any Single Payment plan. That is real money back in your first year.
Have a promo code from Choice? Use the promo code box on the quote form.
Choice does not run a points or loyalty program. The free month is where the savings come from.
Who Gets the Most Out of It
You, if your systems and appliances are older and past the maker’s warranty.
You, if one big repair bill would really hurt your budget this year.
You, if you would rather have a contractor sent to you than call around while the heat is off.
And you, if you like the idea of a $3,000 limit on each covered item, for both systems and appliances. When a big appliance goes, that number matters.
Final Thoughts
Homes wear out. That is normal. Choice Home Warranty gives you two easy plans, a $3,000 limit per covered item, a flat $100 service fee, and a free first month when you pay once. With 24/7 claims and more than 25,000 contractors, you always have someone to call.
So start with a free quote. Look at the price for your address. If the Single Payment plan works for you, take the free month.
Then the next time something stops working, you make one call instead of ten.
Choice Home Warranty offers service contracts, which are not warranties. Plans, pricing and availability vary by state. Limits and exclusions apply. See the Choice Home Warranty user agreement for details.
