Choice Home Warranty Prices: 2025 Plans, Coverage Options & Discounts

On: March 25, 2026 3:05 PM

Choice Home Warranty Prices: Learn about Choice Home Warranty prices in 2025! Explore monthly costs starting at $35, plan details, service fees, discounts, and factors affecting premiums

Choice Home Warranty Prices: Plans, Coverage, and Value in 2025

#Choice Home Warranty continues to be a popular option for homeowners seeking protection against costly repairs and replacements for home systems and appliances. With flexible plans, affordable pricing, and optional add-ons, it caters to a wide range of needs. Here’s a detailed breakdown of Choice Home Warranty prices, coverage options, and factors to consider before signing up.

Choice Home Warranty Plans and Pricing

Choice Home Warranty offers two primary plans:

Basic Plan
- Covers essential systems and appliances like plumbing, electrical systems, heating, and water heaters.
- Average cost: $35–$45 per month or $420–$540 annually3 6.
Total Plan
- Includes everything in the Basic Plan plus air conditioning systems, refrigerators, washers, dryers, and other major appliances.
- Average cost: $50–$60 per month or $600–$720 annually2 3.

Optional Add-Ons

Homeowners can customize their plans with optional coverage for items like pools, spas, septic systems, roof leaks, and second refrigerators. Add-ons typically cost between $3.33–$15 per month ($40–$180 annually)2 6.

Service Fees

Each time a claim is filed, homeowners pay a service fee to cover technician visits. Choice Home Warranty’s service fee is set at $85–$100, which is competitive compared to other providers2 8.

Discounts Available

New customers can enjoy promotions such as:

First month free
$50 off annual plans
These discounts can save up to $103.33 in the first year2.

Coverage Details

Feature/Appliance	Basic Plan	Total Plan
Plumbing System	✓	✓
Electrical System	✓	✓
Heating System	✓	✓
Air Conditioning System	–	✓
Refrigerator	–	✓
Clothes Washer/Dryer	–	✓

Optional coverage includes pools/spas, roof leaks, septic systems, sump pumps, and more3 6.

Factors Impacting Cost

Location: Prices vary by state due to competition and cost-of-living differences. States like Florida may offer lower premiums compared to Alaska3.
Home Size: Homes larger than 5,000 square feet incur additional fees (e.g., $140 annually)6.
Plan Type: The Total Plan costs more due to broader coverage.
Optional Add-Ons: Adding coverage for specialty items increases monthly premiums.

Pros of Choice Home Warranty

Affordable monthly premiums starting at $353 6.
High coverage limits of up to $3,000 per item annually10.
No home inspection required for enrollment9.
Discounts for new customers2.

Cons of Choice Home Warranty

Mixed customer reviews citing claim denials and poor customer service4 7.
Limited customization options compared to competitors10.
Exclusions buried in contracts can lead to misunderstandings about coverage limits10.

Is Choice Home Warranty Worth It?

Choice Home Warranty is ideal for homeowners seeking affordable protection for essential systems and appliances. However, potential customers should carefully review contract terms and exclusions to avoid surprises during claims processing.

Final Thoughts

Choice Home Warranty offers flexibility and affordability with its Basic and Total Plans. While it has received criticism for customer service issues, its competitive pricing and high coverage limits make it a viable option for many homeowners. Evaluate your home’s needs and budget before deciding on the right plan.