Choice Home Warranty Reviews
Two simple plans covering home systems and appliances, with a $3,000 per-item cap and coverage in 49 states
Last updated: Oct 12, 2026
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The bottom line
Choice Home Warranty is our top pick for value: two clear plans, a $3,000 per-item cap and availability in 49 states at prices that typically undercut comparable tiers from the biggest competitors. The caveat is its regulatory history - most recently an $11.8 million consent judgment with the Arizona Attorney General in 2026 over allegations about claim handling and disclosures, which Choice did not admit.
As with any home warranty, read the sample contract's limits and exclusions, keep maintenance records, and confirm current pricing for your address before you buy.
Choice Home Warranty has sold home warranties since 2008 and is one of the most heavily advertised brands in the industry. Its lineup is deliberately simple: a Basic Plan for core systems and kitchen appliances, and a Total Plan that adds air conditioning, the refrigerator and laundry machines.
Optional add-ons cover items such as pools, spas, well pumps and septic systems. This review covers what Choice includes, what it costs, the limits in its contract and who it suits best.
Is Choice Home Warranty legit?
Yes - Choice Home Warranty is a real company that has sold home warranties since 2008 and serves most of the US. It also has a significant regulatory history: in early 2026 it agreed to an $11.8 million consent judgment with the Arizona Attorney General over claim-handling and disclosure allegations (without admitting wrongdoing), and it settled with New Jersey in 2015. Read the sample contract closely, especially the caps and exclusions.
- In business since 2008
- Two simple plans plus add-ons
- Available in every state except Washington (per third-party sources)
- Rated 3.9/5 across 62,000+ Trustpilot reviews
“Legitimate” here means a real, operating home warranty company - not a guarantee that any claim will be approved. Coverage depends on your contract. Always confirm current terms and availability with the company.
Key Features
- Two plans: Basic and Total
- $3,000 cap per covered item per term
- Online and phone claims
- Add-ons for pool/spa, well pump, sump pump, septic and roof leak
- 30-day workmanship guarantee on repairs
- Sold in every state except Washington
Plans & Coverage
- Basic Plan - heating, plumbing, electrical, water heater, ductwork and kitchen appliances
- Total Plan - adds air conditioning, refrigerator, clothes washer and dryer
- Optional add-ons - pool/spa, well pump, sump pump, septic, roof leak and more
Pricing
Basic Plan
ReportedHeating, plumbing, electrical, water heater, ductwork + kitchen appliances
- Systems + kitchen appliances
- $3,000 per covered item
Total Plan
ReportedEverything in Basic + AC, refrigerator, clothes washer and dryer
- Adds AC and laundry
- Most popular for full coverage
Approximate only - prices depend on your address and promotions. Third-party quotes from 2025 put Choice's Basic Plan at roughly $46-$49 a month and the Total Plan at roughly $55-$58 a month.
The service call fee is typically about $100 per claim (lower in some markets), and it is generally owed when a technician visits even if the claim is denied. Choice frequently advertises first-month-free and dollar-off promotions.
Get a quote for your address before buying.
How Choice Home Warranty Works
- 1Step 1
Choose a plan
Pick Basic or Total and any add-ons, and get a price for your address online.
- 2Step 2
Wait out the 30-day period
Coverage for new plans begins 30 days after purchase.
- 3Step 3
File a claim
When a covered item fails, file online or by phone; Choice assigns a technician and you pay the service fee at the visit.
Pros
- Simple, easy-to-compare plans
- $3,000 per-item cap is solid for the price
- Available in 49 states
- Large customer review base on Trustpilot
Cons
- $11.8 million consent judgment with the Arizona Attorney General in 2026 over claim-handling allegations (no admission of wrongdoing)
- Service fee generally owed even if a claim is denied
- Not sold in Washington
- Low BBB customer review average, typical of the industry
Interested in Choice Home Warranty?
Visit their site to see plans and pricing for your address.
Visit Choice Home WarrantyWho It's Best For
- Homeowners who want simple, affordable systems-and-appliance coverage
- Buyers who want a solid per-item cap without paying premium-tier prices
- Anyone comfortable reading the contract's exclusions before signing
Final Verdict
Choice Home Warranty is our top pick for value: two clear plans, a $3,000 per-item cap and availability in 49 states at prices that typically undercut comparable tiers from the biggest competitors. The caveat is its regulatory history - most recently an $11.8 million consent judgment with the Arizona Attorney General in 2026 over allegations about claim handling and disclosures, which Choice did not admit.
As with any home warranty, read the sample contract's limits and exclusions, keep maintenance records, and confirm current pricing for your address before you buy.
Choice Home Warranty Review: FAQs
Is Choice Home Warranty legit?
Yes - Choice Home Warranty is a real company that has sold home warranties since 2008 and serves most of the US. It also has a significant regulatory history: in early 2026 it agreed to an $11.8 million consent judgment with the Arizona Attorney General over claim-handling and disclosure allegations (without admitting wrongdoing), and it settled with New Jersey in 2015. Read the sample contract closely, especially the caps and exclusions.
How much does Choice Home Warranty cost?
Approximate only - prices depend on your address and promotions. Third-party quotes from 2025 put Choice's Basic Plan at roughly $46-$49 a month and the Total Plan at roughly $55-$58 a month. The service call fee is typically about $100 per claim (lower in some markets), and it is generally owed when a technician visits even if the claim is denied. Choice frequently advertises first-month-free and dollar-off promotions. Get a quote for your address before buying.
What plans does Choice Home Warranty offer?
Choice Home Warranty offers Basic Plan - heating, plumbing, electrical, water heater, ductwork and kitchen appliances, Total Plan - adds air conditioning, refrigerator, clothes washer and dryer, Optional add-ons - pool/spa, well pump, sump pump, septic, roof leak and more.
Who is Choice Home Warranty best for?
Choice Home Warranty is best for Homeowners who want simple, affordable systems-and-appliance coverage; Buyers who want a solid per-item cap without paying premium-tier prices; Anyone comfortable reading the contract's exclusions before signing.
Is Choice Home Warranty worth it?
Choice Home Warranty is our top pick for value: two clear plans, a $3,000 per-item cap and availability in 49 states at prices that typically undercut comparable tiers from the biggest competitors. The caveat is its regulatory history - most recently an $11.8 million consent judgment with the Arizona Attorney General in 2026 over allegations about claim handling and disclosures, which Choice did not admit. As with any home warranty, read the sample contract's limits and exclusions, keep maintenance records, and confirm current pricing for your address before you buy.
What is Choice Home Warranty's service fee?
Choice's service call fee is typically around $100 per claim, with lower options reported in some markets. At many home warranty companies, including Choice, the fee is generally owed when a technician visits even if the claim is later denied. Confirm the fee in your contract.
What is the difference between Choice's Basic and Total plans?
The Basic Plan covers core systems (heating, plumbing, electrical, water heater, ductwork) plus kitchen appliances. The Total Plan adds air conditioning, the refrigerator, and the clothes washer and dryer. Add-ons such as pool/spa, well pump, septic and roof leak cost extra.
Is Choice Home Warranty available in my state?
Third-party sources report that Choice sells plans in every state except Washington; California plans may be sold through a different entity. Enter your address on Choice's site to confirm.
Related
More on Choice Home Warranty
The questions people ask before signing up - answered in depth.
Sources & methodology
We built this review of Choice Home Warranty from the provider's own published pricing, plans and sample contracts, cross-checked against regulator and public-record sources, and read alongside real customer feedback. Prices and plan details were verified against the provider's published information; we do not take providers' word for their own claims without checking.
Provider information
Pricing, plans, caps and contract terms, checked against each provider's own site.
- Choice Home Warranty - pricing, plans & policies as published on its own site
Provider data checked October 2026
Customer & community feedback
Third-party signals shown on this page and in our full reviews: Trustpilot ratings and Better Business Bureau records, as captured on the dates we note. We report what these sources say - we never fold their ratings into our own scores.
Regulatory & public-record references
- 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
- 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
- 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
- 4.American Home Shield plans - American Home Shield
- 5.Choice Home Warranty user agreement - Choice Home Warranty
- 6.Select Home Warranty terms and conditions - Select Home Warranty
- 7.The Home Service Club pricing and plans - The Home Service Club
Last reviewed October 2026. We revisit comparisons when providers change their pricing or policies. This page is information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.