We earn commission from the brands listed on this site, which influences how listings are presented. Advertising Disclosure
#10 Choice Home Warranty
Choice Home Warranty Review
Choice Home Warranty offers home warranty plans covering major home systems and appliances across most of the U.S. Its two-plan structure and low service call fee make it one of the more affordable national options. Buyers should weigh that against its per-item coverage cap and a January 2026 consumer fraud settlement with the Arizona Attorney General over how its coverage was represented.
5
3.
0
At a Glance
FEATURE
DETAILS
Rating
Starting Price
Plans
Covers Appliances
Covers Home Systems
Service Area
Best For
Service Call Fee
2.5 / 5
$46/month (Basic) around $55 (Total)
Basic Plan, Total Plan
YES
YES
Nationwide (49 states)
Low-cost coverage
$100 per claim
Pros & Cons
Low monthly cost compared with most national providers
Flat, predictable service call fee
$3,000 per-item coverage cap, below competitors
Roughly 11,000 BBB complaints; not BBB accredited
Available in 49 states
No age restrictions or inspection required
Cannot choose your own contractor
Pricing not published online (quote required)
Coverage
HOME SYSTEM
-
Heating
-
Ductwork
-
Plumbing
-
Electrical
-
Water Heater
APPLIANCES
-
Dishwasher
-
Oven/ Range/Cooktop
-
Built-in Microwave
-
Garbage Disposal
-
Garage Door Opener
Key Features
-
Two straightforward plans covering 14 to 18
systems and appliances
-
Flat $100 service call fee per claim
-
No home inspection required to start coverage
-
Coverage regardless of the age of systems and appliances
-
24/7 claim submission by phone or online account center
-
First month free with a single-payment plan
starting at
$46
Pricing
Pricing is provided through a personalized quote rather than a published rate. Reported quotes put the Basic Plan around $46/month and the Total Plan around $55–$60/month, varying by state, home size and add-ons selected. A $100 service call fee applies each time a technician is dispatched. Coverage is capped at $3,000 per item, so repairs above that limit are paid out of pocket.
Who is it Best for?
Homeowners who want the lowest available monthly premium from a national provider
Owners of newer homes where a major system failure is less likely
Homeowners comfortable reviewing plan exclusions in detail before buying
Anyone wanting combined appliance + system protection
Final Verdict
Choice Home Warranty is one of the cheapest national options, with a flat $100 service call fee and coverage in 49 states. But in January 2026 it entered an $11.8 million consumer fraud settlement with the Arizona Attorney General over how its coverage was represented, and per-item payouts are capped at $3,000. Worth quoting if price is your priority — just confirm in writing what your items are covered for before signing.