Choice Home Warranty offers warranties for household systems and appliances against unanticipated repair costs. In 2025, Choice Home Warranty is still a favorite among homeowners as competitive, flexible plans are offered. However, before you take a plan, the true cost of that plan needs to be understood beyond the monthly premium. Here I have explained Choice Home Warranty prices, hidden fees, and how it compares to competitors, ensuring you make an informed decision.
Choice Home Warranty 2025 Plan Options & Costs
Choice Home Warranty offers two primary coverage plans, each with different pricing tiers based on the level of protection.
1. Basic Plan
Cost: $45–$55 per month ($500–$660 per year)
Service Fee: $85 per claim (may vary by contractor)
Coverage Includes:
- HVAC systems
- Electrical systems
- Plumbing systems
- Water heater
- Ductwork
For homeowners who wish to provide basic security for the important systems in their house without including coverage for appliances, this plan is perfect.
2. Total Plan
Cost: $55–$65 per month ($660–$780 per year)
Service Fee: $85 per claim
Coverage Includes:
Everything in the Basic Plan plus major appliances:
- Refrigerator
- Oven/stove
- Dishwasher
- Washer & dryer
- Built-in microwave
The Total Plan provides more comprehensive coverage, making it a better choice for homeowners who want both system and appliance protection.
Optional Add-Ons (Extra Cost)
For additional coverage, Choice Home Warranty offers several add-ons:
- Pool & Spa Equipment: $10–$15/month
- Well Pump: $5–$10/month
- Septic System: $8–$12/month
- Guest Unit Coverage: $10–$15/month
These add-ons allow homeowners to customize their plans based on specific needs.
First-Year Discounts & Promotions
Some customers report receiving $50–$100 off their first year when signing up. Choice Home Warranty occasionally runs promotions, so it’s always worth asking about discounts before purchasing.
Hidden Costs to Watch Out For
Many homeowners just pay attention to the monthly premium, ignoring other costs that have a big influence on the total.
1. Service Call Fees ($85 per claim)
Every time you file a claim, you must pay an $85 service fee (sometimes called a trade service fee). If you file multiple claims in a year, these fees can add up quickly.
2. Coverage Limits & Caps
Choice Home Warranty sets per-item coverage limits, capping payouts for repairs and replacements. For example, HVAC repairs are limited to $3,000, while refrigerators max out at $2,000. You will be responsible for paying the difference out of pocket if your repair expenses are more than these sums.
3. Claim Denials Due to Pre-Existing Conditions or Poor Maintenance
An insurance provider may refuse legitimate claims if a system or appliance fails due to pre-existing damage or due to a lack of proper maintenance (like neglecting to service your HVAC unit on an annual basis). Always read the fine print of your contract to avoid unpleasant surprises and to understand fully what is excluded from coverage.
4. Common Exclusions
Choice Home Warranty usually excludes certain damages from their insurance, such as corrosion or rust, any code violations (if a system doesn’t show its compliance with current building standards), and solely cosmetic damage. To prevent unexpected claim denials, always review your contract thoroughly before purchasing—paying close attention to these exclusions.
How Choice Home Warranty Compares to Competitors in 2025
To determine whether Choice Home Warranty offers the best value, let’s compare it to other leading providers:
| Provider | Basic Plan Cost | Service Fee | Best For |
| Choice HW | $45–$55/month | $85 | Budget-conscious buyers |
| American Home Shield | $50–$60/month | $75–$125 | Customizable coverage |
| Select Home Warranty | $40–$50/month | $75 | Lowest-cost option |
| Cinch Home Services | $55–$70/month | $100 | Premium customer service |
Choice Home Warranty awards highlight its excellence in providing affordable, reliable home protection with fast claim service. While Select Home Warranty reviews praise its lower service fees.
Is Choice Home Warranty Worth It in 2025?
Pros:
- Affordable monthly premiums compared to competitors
- Flexible plan options (Basic vs. Total + add-ons)
- Nationwide contractor network for quick repairs
Cons:
- High service fees ($85 per claim)
- Coverage caps may leave you paying extra for major repairs
- Claim denials can be frustrating if exclusions aren’t understood
Who Should Consider Choice Home Warranty?
Particularly well-suited under the Choice Home Warranty coverage are homeowners with older systems and appliances who want protection from sudden repair costs, budget-conscious buyers who want just mere coverage, and those who want predictable service fees rather than incur unexpected emergency expenses. The plan offers peace of mind through cost caps on repair, though customers should keep in mind the limits of coverage and service fees.
Who Might Want a Different Provider?
- Homeowners with high-end appliances may need higher coverage limits.
- Those who file frequent claims (service fees add up quickly)
- Buyers wanting fewer claim restrictions (some competitors offer more lenient terms)
Final words
Choice Home Warranty George Foreman offers homeowners an affordable solution for protecting against unexpected system and appliance breakdowns. With inexpensive costs, the program would certainly attract customers; however, with service charges of $85 and coverage limits, it may not satisfy the requirements of every user. Before making a decision, you should actually try to compare offers from several other providers, ask about first-year discounts, and read the fine print of the contract to avoid possible claim denial. Such measures actually place you in a position to make an informed decision about whether this warranty meets your unique requirements for home protection.
Choice Home Warranty prices would suit you well if your major concern is budget. But for someone with greater coverage needs or a lower service fee preference, it might be wise to look into competitors, such as American Home Shield or Cinch.
FAQ’s
What are Choice Home Warranty prices in 2025?
The Basic Plan costs $45-$55/month ($500-$660/year), while the Total Plan runs $55-$65/month ($660-$780/year), plus a mandatory $85 service fee per claim.
What hidden costs should I watch for?
Beyond premiums, beware of the $85 service fee per claim, coverage caps ($3,000 for HVAC, $2,000 for appliances), and common exclusions like pre-existing conditions.
How do Choice’s 2025 prices compare to competitors?
Quite a reasonable option, not totally as cheap as American Home Shield ($50-$60/month), but not quite as much as Select Home Warranty ($40-$50/month) altogether service fees are almost equal.
Are there any discounts available
Indeed, first-time clients generally receive discounts ranging from $50 to $100. Inquire about additional promotions, and possibly combine with other services for extra savings.
Q5: Is Choice worth the cost for older homes?
Usually yes-in fact, if your house has some old systems likely to need several $500+ fixes in a year, you’d likely find the coverage financially feasible. Modern homes, however, may not benefit as much.