Choice Home Warranty is a home service contract that pays to repair or replace major home systems and appliances when they fail from normal wear — for a flat service-call fee instead of the full repair bill. Plans start around $46 a month, cover most items up to $3,000 each, and tap a network of 25,000+ pre-screened technicians across 49 states. For homeowners who don’t want a surprise four-figure bill when the AC or water heater quits, a Choice Home Warranty plan turns unpredictable repairs into one predictable monthly cost.
Choice Home Warranty at a glance
- Two plans: Basic (~$46/mo) covers core systems and kitchen appliances; Total (~$55/mo) adds AC, refrigerator, and washer/dryer.
- Flat service fee: $100 per claim, no matter the repair cost.
- Coverage cap: $3,000 per covered item per 12-month period.
- Availability: 49 states (everywhere except Washington).
- Network: 25,000+ independent, pre-screened contractors, with claims answered around the clock.
- Perk: first month free on annual (single-payment) plans.
What is Choice Home Warranty?
A home warranty is not home insurance. Home insurance covers sudden, accidental damage — fire, storms, theft. A Choice Home Warranty plan covers the opposite problem: the everyday breakdown of the systems and appliances you use daily, which age and fail no matter how well you maintain them. When a covered item stops working, you file a claim, pay the flat service fee, and Choice dispatches a local technician to diagnose and repair or replace it.
Choice Home Warranty is one of the largest home warranty providers in the country, and its flat-fee, high-cap structure is built to be simple: you always know what a service visit costs before anyone shows up. That predictability is the core reason homeowners buy a plan — especially first-time buyers and anyone whose HVAC, water heater, or kitchen appliances are past the halfway point of their lifespan.
What does Choice Home Warranty cover?
Choice Home Warranty sells two plans. The Basic Plan covers most core home systems and the appliances people replace most often; the Total Plan adds the big-ticket comfort items — air conditioning, the refrigerator, and the washer and dryer. Here is how the two Choice Home Warranty plans compare.
| Covered item | Basic (~$46/mo) | Total (~$55/mo) |
|---|---|---|
| Heating system & ductwork | ✓ | ✓ |
| Electrical & plumbing systems | ✓ | ✓ |
| Water heater | ✓ | ✓ |
| Oven, cooktop, dishwasher, disposal, built-in microwave | ✓ | ✓ |
| Garage door opener & ceiling fans | ✓ | ✓ |
| Air conditioning system | — | ✓ |
| Refrigerator | — | ✓ |
| Washer & dryer | — | ✓ |
How much does Choice Home Warranty cost?
Choice Home Warranty pricing runs about $46 a month for the Basic Plan and about $55 a month for the Total Plan, though your exact rate depends on your home and current promotions. On top of the monthly premium, every claim carries a flat $100 service fee — you pay it once per service request, regardless of how expensive the repair turns out to be. Coverage is capped at $3,000 per covered item per 12-month period under the Choice user agreement, so a full HVAC replacement can run past the cap.
- Basic Plan: about $46/month.
- Total Plan: about $55/month.
- Service fee: $100 flat, per claim.
- Per-item cap: $3,000 per 12-month period.
- Workmanship guarantee: repairs that fail within 30 days are corrected with no new service fee (user agreement, modified December 31, 2025).
The math is straightforward: one covered HVAC or water-heater failure a year can easily exceed what you’d pay in premiums plus the service fee, which is why a Choice Home Warranty plan appeals to owners of older homes and anyone who would rather not absorb a surprise repair bill all at once.
How does a Choice Home Warranty claim work?
- A covered system or appliance stops working from normal use.
- You file a claim online or by phone — Choice accepts claims 24/7.
- Choice assigns a local, pre-screened technician, typically responding within about four hours.
- The technician diagnoses the problem; you pay the $100 service fee, and Choice covers the approved repair or replacement up to your plan’s limits.
Optional add-on coverage
Beyond the two core plans, Choice lets you bolt on coverage for items many homeowners care about: pool and spa equipment, well pump, sump pump, septic system, central vacuum, standalone freezer, a second refrigerator, and limited roof-leak repair. Adding these raises your monthly premium but extends the same flat-fee, capped-repair model to the parts of your property a base plan leaves out.
Who is Choice best for?
A Choice plan makes the most sense for homeowners with aging systems and appliances, first-time buyers who don’t yet have a repair fund, and anyone who values a fixed, predictable cost over gambling on when the next breakdown lands. It’s also a natural fit at a move: when you’re already lining up internet, electricity, and home security for a new address, adding a home warranty means the house is protected from day one instead of after the first expensive surprise.
What a Choice plan doesn’t cover
No home service contract covers everything, and Choice is no exception — knowing the exclusions up front is what keeps expectations realistic. Pre-existing breakdowns, damage from poor maintenance or improper installation, cosmetic issues, code violations, and items still protected by a manufacturer’s warranty are generally excluded, and every covered item is subject to its per-item dollar cap. Coverage also assumes the item failed from normal wear rather than accident or neglect.
That structure is standard for the category. The Federal Trade Commission points out that a service contract is separate from a manufacturer’s warranty and pays only for what its written terms spell out. The practical move is simple: read your coverage agreement before you need it, keep basic maintenance records, and confirm which repairs qualify and how claims get approved. Homeowners who go in understanding the limits tend to be the happiest with their plan, because it does exactly what they expected — turns a large, unpredictable repair bill into a small, known service fee.
Is Choice worth it?
For the right homeowner, yes. The value of a Choice plan is concentrated in a single expensive event: if your air conditioner, water heater, or refrigerator fails, the flat $100 service fee plus your premiums will almost always cost less than paying out of pocket for the repair or replacement. The $3,000 per-item cap and the 25,000-contractor network mean most common failures are covered and a technician is usually nearby. As with any service contract, the key is reading your plan’s coverage terms so you know exactly what qualifies before you need it — but for owners of older homes who want to convert unpredictable repair bills into one steady monthly cost, Choice is a solid, straightforward option.
Compare internet, energy & home security at your address
Shop InternetShop Energy RatesShop Home SecurityGet a Free Choice Home Warranty Quote →
Frequently asked questions about Choice
Is Choice the same as home insurance?
No. Home insurance covers sudden, accidental damage like fire, storms, and theft. Choice covers the wear-and-tear breakdown of home systems and appliances — the everyday failures insurance excludes. Most homeowners carry both.
How much is the Choice service fee?
Choice charges a flat $100 service fee per claim. You pay it once per service request, no matter how costly the repair, so your out-of-pocket cost per breakdown is predictable.
What is the coverage limit on a Choice plan?
Choice’s user agreement sets a maximum of $3,000 per covered item per 12-month period for diagnosis, repair or replacement. Some add-ons, such as well pump and limited roof leak, are capped at $500.
Where is Choice available?
Choice is available in 49 states — everywhere in the U.S. except Washington — and dispatches from a network of more than 25,000 pre-screened contractors.
Can I get Choice coverage when I move into a new home?
Yes. Many buyers add a Choice plan at closing or move-in so the home’s systems are protected from day one. It pairs naturally with setting up your internet, electricity, and home security for the new address.
Compare internet, energy & home security at your address
Shop InternetShop Energy RatesShop Home SecurityGet a Free Choice Home Warranty Quote →
Keep going
- American Home Shield vs. Choice
- How much does a home warranty cost?
- Does a home warranty cover HVAC?
- Does a home warranty cover plumbing?
- Are home warranty plans worth it?
By the Utility Search Marketplace Team · Last updated August 7, 2026. Choice plan, pricing, and coverage details are set by the provider and may change; confirm current terms on the official Choice site before purchase.
Home systems getting older?
A five-minute call now beats a four-figure repair bill later.