How Much Does a Choice Home Warranty Plan Cost?

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Shannon Loughrige

Last Updated: January 30th, 2025

A home warranty can provide peace of mind by covering unexpected repairs or replacements of major home systems and appliances. Choice Home Warranty is one of the most popular providers in the industry, offering two straightforward plans: the Basic Plan, costing between $45-50 monthly or $530-$500 annually, and the Total Plan, costing between $50-$55 monthly or $600-$690 annually. This guide breaks down Choice Home Warranty pricing, coverage options, service fees, and how it compares to other home warranty providers.

Choice Home Warranty Plans and Pricing

Choice Home Warranty offers two plan options, each with its own pricing structure:

  • Basic Plan – Covers standard home systems and appliances such as plumbing, electrical, heating, and select kitchen appliances.
  • Total Plan – Includes everything in the Basic Plan plus additional high-value appliances like air conditioning systems, refrigerators, and washers/dryers.

Monthly and Annual Costs

The cost of a Choice Home Warranty plan varies based on your location and selected coverage. However, general pricing ranges include:

Plan Type Monthly Cost Annual Cost
Basic Plan $45–$50 $530–$600
Total Plan $50–$55 $600–$690

Pricing varies depending on state, promotions, and optional add-ons.

Service Call Fees

In addition to the monthly or annual premium, homeowners must pay a service call fee whenever they file a claim and a technician is dispatched. Choice Home Warranty’s standard service fee is $85 per visit. This fee is comparable to other home warranty providers, though some competitors offer flexible service fee options that range from $75 to $125, depending on the plan.

Choice Home Warranty's pricing falls within the typical range for home warranty plans, but costs can vary based on coverage, location, and optional add-ons. To get a better idea of how home warranty pricing compares across different providers, check out this guide on home warranty costs.

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What’s Covered Under Choice Home Warranty Plans?

Choice Home Warranty offers coverage for a variety of major home systems and appliances. Here’s a breakdown of what each plan covers:

Basic Plan Coverage

  • Heating system
  • Electrical system
  • Plumbing system
  • Water heater
  • Whirlpool bathtub
  • Oven, range, or cooktop
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Ceiling and exhaust fans

Total Plan Coverage

Includes everything in the Basic Plan, plus the following:

  • Air conditioning system
  • Refrigerator
  • Washer
  • Dryer

Optional Add-Ons

Choice Home Warranty also offers optional coverage for an additional fee, including:

  • Pool and spa
  • Well pump
  • Septic system
  • Roof leaks
  • Additional refrigerators or standalone freezers

Coverage Limits and Exclusions

While a home warranty can provide financial protection, it’s important to understand the coverage limits and exclusions of Choice Home Warranty plans.

Coverage Caps

  • Most covered appliances and systems have a maximum coverage limit of $3,000 per claim.
  • Some items, like plumbing and electrical systems, may have lower limits of $500 per claim.

Exclusions

  • Pre-existing conditions, whether known or unknown, are not covered.
  • Items that are improperly installed or maintained may be denied coverage.
  • Cosmetic issues, routine maintenance, and non-mechanical components (like shelving inside a refrigerator) are typically excluded.

How Choice Home Warranty Compares to Other Providers

When choosing a home warranty, it’s helpful to compare pricing and coverage options with other leading providers.

Company Monthly Cost Service Fee Coverage Cap
Choice Home Warranty $45–$55 $85 $3,000 per claim
American Home Shield $50–$80 $75–$125 $5,000 per claim
Select Home Warranty $44–$48 $60–$75 $2,000 per claim
2-10 Home Buyers Warranty $47–$60 $85–$125 Varies by system

While Choice Home Warranty offers affordable pricing, competitors like American Home Shield provide higher coverage caps, which may be beneficial for homeowners with high-value appliances. However, Choice Home Warranty’s straightforward plans and flat-rate service fee make it a solid choice for budget-conscious homeowners.

Is Choice Home Warranty Worth It?

Choice Home Warranty can be a cost-effective solution for homeowners looking to protect themselves from expensive repairs. With monthly premiums ranging from $45 to $55 and a $85 service fee, it provides solid value for those who want predictable home repair costs.

However, homeowners should carefully review coverage limits and exclusions before purchasing a plan. If you need higher coverage caps or more flexible service fees, another provider may be a better fit. If you’re still unsure whether Choice Home Warranty is the right option for you, check out this guide on how to choose the best home warranty for a detailed comparison of key factors to consider.

Get a Choice Home Warranty Quote

Connect with Choice Home Warranty to get a quote on your home warranty plan.

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Final Thoughts

A Choice Home Warranty plan can help cover the cost of unexpected repairs, but understanding pricing, coverage, and service fees is essential. Before choosing a plan, compare different providers and read the fine print to ensure the plan meets your needs.

For more information, visit Choice Home Warranty’s review page to read real customer experiences and ratings.

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