Homeownership comes with the responsibility of maintaining the appliances and systems; most of these can be costly to repair or replace. Choice home warranty plans assist in reducing these costs by paying for the replacement or repair of necessary home appliances. Choice Home Warranty is one of the top companies in this market and is well known for providing affordable and adaptable coverage alternatives.
In this article, I have discussed Choice Home Warranty plans, including coverage details, Choice Home Warranty prices, optional add-ons, and some other considerations before purchasing.
Understanding Choice Home Warranty plans
The Basic Plan and the Total Plan are Choice Home Warranty’s two main plans, each of which is created to meet the needs of a homeowner. Besides, the insurance costs lean heavily on coverage, and with each plan, the ideas of scope, price, and overall suitability emerge.
1. Basic Plan
The Basic Plan comes in at $47/month, making it a cost-effective solution for homeowners who would like to keep home appliances and systems protected.
Key Features of the Basic Plan:
- Heating System Coverage
These typically include the central heating instruments of your home, such as furnaces and boilers, as well as ductwork. - Electrical System Coverage
It is protective of the essential parts of your home electrical circuitry, namely the house wiring, circuit breakers in the primary electrical panel, and the fuse box. - Plumbing System Coverage
This incorporates both the install lines of supply and discharge drain for water within your house-the pipes that bring in and take out waste. - Major Appliances Coverage
There are pivotal kitchen appliances occupying the kitchen: ovens for baking, stoves/cooktops for cooking, dishwashers for cleaning dishes, built-in microwave ovens, and kitchen sink garbage disposal units. - Additional Components Coverage
This includes other key systems at home, like automatic garage door openers, fitted ceiling fans for air circulation, and exhaust fans.
Limitations to Consider:
- Air conditioning units are not included in this plan.
- Garbage disposals have a lower coverage limit of $500 per year.
- Most other items have a $3,000 claim limit, which is competitive compared to industry standards.
2. Total Plan
The Total Plan, which costs $55 a month, expands on the Basic Plan by adding more crucial coverages.
Additional Inclusions in the Total Plan:
- Air Conditioning (A/C) System
- Laundry Appliances
- Protection for a critical kitchen appliance.
Why Choose the Total Plan?
The Total Plan is the most appropriate coverage option for homeowners who have a greater need for covering their homes, especially in regions where air conditioning becomes a necessity. It is a cost-effective enhancement to have for just an additional $8 per month.
Comparing Coverage: Basic Plan vs. Total Plan
The coverage details are shown side by side in the following table to help you better understand how the two plans differ:
| Coverage Item | Basic Plan ($47/month) | Total Plan ($55/month) |
| Heating System | Yes | Yes |
| Air Conditioning (A/C) | No | Yes |
| Electrical System | Yes | Yes |
| Plumbing System | Yes | Yes |
| Water Heater | Yes | Yes |
| Refrigerator | No | Yes |
| Washer & Dryer | No | Yes |
| Oven, Stove, Dishwasher | Yes | Yes |
| Garbage Disposal | Yes ($500 limit) | Yes ($500 limit) |
| Garage Door Opener | Yes | Yes |
| Ceiling & Exhaust Fans | Yes | Yes |
Key Takeaway:
The more extensive option is the Total Choice home warranty plan, especially for customers who depend on air conditioning or require covering for refrigerators and laundry appliances.
Optional Add-Ons for Customized Protection
Choice Home Warranty offers several add-on options to further tailor coverage based on the needs of every homeowner. Homeowners can improve their protection without committing to a higher-tier plan by purchasing these add-ons, which have an additional monthly cost.
Available Add-Ons and Their Costs
| Add-On Coverage | Monthly Cost | Annual Cost |
| Pool & Spa Equipment | $15 | $180 |
| Well Pump | $8 | $96 |
| Septic System | $10 | $120 |
| Limited Roof Leak Repair | $6 | $72 |
| Second Refrigerator | $3 | $36 |
| Standalone Freezer | $3 | $36 |
| Sump Pump | $3 | $36 |
| Central Vacuum | $3 | $36 |
| Additional Spa | $15 | $180 |
Recommended Add-Ons:
- Pool & Spa Equipment
- Septic System Coverage
- Roof Leak Repair
Homeowners can address certain house faults with these add-ons without paying too much for unnecessary things.
Advantages and Disadvantages of Choice Home Warranty
Advantages
- Affordability: One of the most affordable Choice home warranty plans available is the Basic Plan.
- Customizable Coverage: Numerous add-ons allow homeowners to tailor their plans.
- High Claim Limits: The majority of things are insured up to $3,000, which is more than many rivals.
- Quick Claim Processing: The company aims to address claims within 48 hours.
You can also check the choice home warranty awards for your satisfaction.
Disadvantages
- No A/C Coverage in Basic Plan: Homeowners in hot climates must upgrade to the Total Plan.
- Limited Coverage for Certain Items: Roof and septic system coverage requires add-ons.
- Mixed Customer Feedback: Some users report claim denials or delays.
Who Should Consider Choice Home Warranty Plans?
Ideal Candidates
- Budget-conscious homeowners seeking basic yet reliable coverage.
- People who live in warm climates and require protection from air conditioning.
- Owners of pools or septic systems who can benefit from add-on options.
Less Suitable For
- Homes with mechanical problems already present, as these are not covered.
- Those seeking comprehensive but constrained sewer or roof coverage.
Conclusion
Choice home warranty george foreman provides a balanced combination of affordability and flexibility, making it a viable option for many homeowners. Out of all the Choice home warranty plans considered, the Total Plan seems to be the best purchase, considering air conditioning, refrigerator, and laundry appliance coverage. Cool add-ons are available for more customization needs. A bit of research in comparing Choice Home Warranty with competitors such as 2-10 home warranty, American Home Shield or Select Home Warranty reviews will help the homeowner find the best coverage for their needs.