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Home / Home & kitchen / Home Warranty / Choice Home Warranty
7.6 Tested Aug 23, 2026 by Team RankingRight

Choice Home Warranty (Total Plan) review 2026

Two simple plans instead of a menu, 24/7 claims and a large national network — straightforward cover at a middling price

Choice Home Warranty Choice Home Warranty
Brand mark of www.choicehomewarranty.com, used to identify the product; the trademark remains its owner's.
PriceFrom $46.83 · checked Sep 11, 2026
Annual cost at 2 claims850 $
HVAC cap3000 $

Is the Choice Home Warranty Worth It?

Simplest plan structure. Choice is easy to understand and priced in the middle, which suits a buyer who does not want to compare 40 add-ons. The 2024 New Jersey settlement is a matter of public record and belongs in the decision.

Choice Home Warranty Pros & Cons

Pros
  • Only two plans to choose between, both clearly written
  • 24/7 claim submission with a 48-hour response commitment
  • $3,000 per-item cap rather than a single annual pot
  • Large contractor network
Cons
  • Not sold in California or Washington
  • $100 service fee per visit
  • Settled a consumer-protection action with the New Jersey Attorney General over claim-denial practices in 2024

Choice Home Warranty at a Glance

7.6 Editor Score
What is actually coveredWhich systems and appliances the contract names, the per-item and aggregate caps, and the exclusions we found by reading the sample contract rather than the brochure.
23/30
Claims experiencePublished response times, who chooses the contractor, complaint volume in state filings and Better Business Bureau records, and what happens when a claim is denied.
16/25
Total annual costPlan premium plus the service call fee at the number of claims a typical household makes, not the headline monthly price.
17/20
Terms & flexibilityWaiting period, cancellation rights, whether you can pick your own contractor, and coverage caps on the expensive items.
12/15
Add-ons & availabilityOptional cover for pools, septic, wells and second refrigerators, and which states the plan is sold in.
8/10
Reader ratingNo reader ratings yet — not part of the score
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Rubric v1: What is actually covered 30 · Claims experience 25 · Total annual cost 20 · Terms & flexibility 15 · Add-ons & availability 10. Score = Σ ÷ 10, locked Sep 11, 2026. How we rank.

Where to buy — prices checked Sep 11, 2026

Choice Home Warranty — $46.83

Best priceVisit Site

Choice Home Warranty specifications

Plan54.17 USD/mo
Service call fee100 USD
Annual cost at 2 claims850 USD
Annual payout cap$3,000 per item
HVAC cap3000 USD
Waiting period30 days
Choose your own contractorNo
Inspection required?No inspection required
States48 (not California or Washington)

Why it scored 7.6

Choice is easy to understand and priced in the middle, which suits a buyer who does not want to compare 40 add-ons. The 2024 New Jersey settlement is a matter of public record and belongs in the decision.

Where it loses

Claim-handling record; two states missing.

Still the right pick for

Buyers who want a simple contract.

What owners say

No reader ratings yet. This block fills in from real submissions only — we never write, buy or generate reader reviews, and none of them touch the editor score.

Changelog: Sep 11 — rank 4 → 5; Sep 11 — rank 5 → 6 · all changes

Choice Home Warranty7.6 · $46.83
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