Let’s be real—when a major appliance fails, nobody wants to shell out thousands. That’s why the idea of a home warranty is so tempting. And Choice Home Warranty often pops up first when you search.
But does it actually deliver what it promises?
Spoiler: For some, yes. For others, it’s a frustrating mess of fine print and phone calls. This post breaks it down so you don’t have to learn the hard way.
A home warranty isn’t the same as home insurance. It’s a service agreement that covers the cost to repair or replace household systems and appliances that break from everyday use.
Choice Home Warranty (CHW) is one of the largest providers in the U.S. With over a decade in business, they claim to cover more homes annually than most competitors.
Two Main Plans to Choose From
1. Basic Plan – Covers essential systems and appliances:
2. Total Plan – Adds high-value items like:
Add-Ons That’ll Cost You Extra
You can pay more to include:
These add-ons aren’t cheap, and they’re often pitched at checkout, so read the fine print carefully.
This is where things get murky.
Most Common Items Approved:
Most Common Denials:
These denial reasons are often vague. Real users say the interpretation changes depending on the rep.
Here’s what the actual process looks like:
Sounds simple—but delays, unresponsive techs, and vague denials are common.
Reddit user quote:
“They sent a guy to look at my AC, then ghosted me for 9 days. In July.”
In 2025, having a decent app is table stakes. CHW’s apps don’t deliver.
⭐ 3.1/5 stars
Top complaint: “Won’t load claims”
iOS App:
⭐ 1.7/5 stars
Top complaint: “No notifications, can’t reset password”
The app feels like an afterthought. For a service built around urgent needs, that’s a problem.
We scanned hundreds of reviews across Reddit, US News, Facebook, and forums. Here's what surfaced:
| Theme | % of Mentions |
| Denied claims | 38% |
| Poor contractor quality | 23% |
| Delayed service | 18% |
| Unexpected charges | 11% |
| Positive experiences | 10% |
One consistent message: when CHW works, it’s great—but when it fails, it’s a nightmare.
Sellers sometimes include a CHW plan in listings to offer peace of mind. Agents get access to discounts and warranties that can transfer between owners.
CHW even has a dedicated Real Estate Pro portal.
But beware: if your client’s claim gets denied, that decision can backfire on your reputation.
Let’s compare Choice Home Warranty to the top competitors:
| Company | BBB Rating | Avg Stars | Monthly Cost | App Quality |
| Choice Home Warranty | C | 2.8/5 | ~$52 | Poor |
| Liberty Home Guard | A+ | 4.4/5 | ~$58 | Excellent |
| American Home Shield | B+ | 4.0/5 | ~$64 | Good |
Users report long delays in getting cancellation confirmations and refunds.
This is where CHW actually makes sense:
Not a Good Fit:
It’s a cost-effective solution—if you walk in with eyes wide open.
But if you expect fast, flawless service or no-hassle claims, you’ll likely be disappointed.
Bottom Line:
If you're looking for cheap coverage and can tolerate some friction, CHW might be fine. But if peace of mind is your priority—look elsewhere.
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