For many first-time homeowners, having a home warranty isn’t something that would first cross your mind. But what exactly is a home warranty and how is it different from a home insurance? For starters, you’ll see that a home warranty gives you coverage for items your home insurance doesn’t, such as appliances and home essentials like heating, wiring, and plumping systems. While there are multiple types of home warranties in the market, you’ll want to look for the best plan that will provide you the widest coverage for all your needs at a reasonable fee.

Today, we’re going to be talking about Choice Home Warranty and have an in-depth look into the Choice Home Warranty plans, coverages, extra details, and answer your FAQs before helping you decide if Choice Home Warranty is the right home warranty service provider for you. Do note that all costs, plans, coverage, and information is correct at the date of writing in 2020.

Who is Choice Home Warranty?

Choice Home Warranty is a home warranty provider that was established in 2008. They stand out among its competitors for its impeccable customer service at a reasonably low price point, making them one of the best home warranty companies in the industry. To ease warranty claims, the Choice Home Warranty customer service helpline is available 24/7 or homeowners could also file for claims through the online Account Center. Choice Home Warranty provides 2 types of comprehensive home warranty coverages with optional add-ons for according to your needs. Choice Home Warranty offers coverages in 47 states across the United States, but it unfortunately excludes California, Oklahoma, and Washington.

Plans and prices offered by Choice Home Warranty

To better suit a larger range of homeowners with different needs, Choice Home Warranty offers coverage in its Basic Plan from $36 a month or its Total Plan from $43 a month. In the Basic Plan, homeowners will be offered coverage for 14 of their major home components while homeowners who opt for the Total Plan will be offered coverage for 18 of their major home components. An optional add-on is also made available to all homeowners regardless of the plan you pick, with prices ranging between $40 to $180 per year.

On average, you’ll find that Choice Home Warranty offers a comprehensive package for a reasonably low price. Their prices are also comparatively lower than their competitors, making them a true value-for-money home warranty provider.

What coverage does Choice Home Warranty offer?

If you’re wondering what would be protected under the Choice Home Warranty plans, you’ll want to read on. Here, we’ll deep dive into the home systems and appliances that are the Basic Plan and the Total Plan protects.

The Basic Plan that starts from $36 a month from Choice Home Warranty will cover 14 items in your household, including:

The Total Plan that starts from $43 however will cover 18 items in your household including all of the above, with the additions of:

For all these home systems and appliances however, Choice Home Warranty does require you to retain a usual maintenance schedule to ensure that everything would be in proper working order. Your home warranty will come in effect should they break down due to regular wear and tear but may be voided if your home system and appliances show signs of abuse and neglect. For example, your plumbing system would be covered should you require a technician to investigate a leak, but the warranty would be voided if it shows that the breakdown is due to sediment build-ups from a result of neglect.

Separately, here are the additional add-ons that you could include in your home warranty plan at extra costs – regardless if you’ve signed on to the Basic Plan or the Total Plan.

What’s excluded in Choice Home Warranty coverages?

While the list of items included in the home warranty that Choice Home Warranty offers is extensive, it’s also important to note that there are exceptions to some of the units that are covered. Understanding which of these components are not included in your home warranty allows you to better utilize your home warranty plan, ensuring that you wouldn’t have to pay extra to have your items repaired when the time arises. If you’re looking to repair any of these components that aren’t included in your plan, you may look into contacting the manufacturer in case you’re still protected under the manufacturer’s guarantee.

Kindly note that there would be a claim limit to your home warranty with Choice Home Warranty. For appliances, we believe this cap begins at $1,500 per item and this would be used throughout the process of your claim such as diagnostics from the technician to parts purchases, repairs, and ultimately appliance replacement should it be beyond repair. This claim limit does not however include the $85 servicing fee that you will have to pay the technician who visits your home.

Essentially, Choice Home Warranty does not include any cosmetic damages in their home warranty claims. This is as they believe cosmetic damages does not hinder the usability of your appliances, although there may be leniency on a case to case basis. If at any time you have any doubts about whether your item is included in your home warranty plan, it’s always good to be in touch with Choice Home Warranty’s customer service team. This would allow you to better understand how you can utilize your home warranty to its fullest.

Meanwhile, here is what we’ve found on the exclusions made by Choice Home Warranty to your home systems. Unlike the claim limit on your appliances however, the home warranty claim limit to your home systems from Choice Home Warranty is capped at $500 per system. This would be utilized throughout the process of your claim including diagnostics from the technician, up to its repairs, parts purchases, and replacements where required. This cap does not include the $85 service fee that would be payable to your technician upon arrival to your home.

We’d like to note however that the list of items that are not included in your home warranty is not exhaustive to what we have listed above. Hence, it’s highly recommended that you check in with the customer service team from Choice Home Warranty to ensure that your components can be protected accordingly.

The pros and cons of Choice Home Warranty

At this point, we can see that Choice Home Warranty does offer a comprehensive home warranty plan at a reasonably low price. Before moving on however, we’re going to quickly discuss the pros and cons of picking Choice Home Warranty.

Pros of Choice Home Warranty

 

Cons of Choice Home Warranty

 

Can I also get a warranty for my mobile home?

Beyond just protecting your home, you’ll be glad to know that Choice Home Warranty also offers coverage for mobile homes in their mobile home warranty plans. Operating similarly to a regular home warranty, a mobile home warranty ensures that your appliances or systems such as wiring, heating, and plumbing in your mobile home – or tiny homes – are covered. Furthermore, Choice Home Warranty offers 2 mobile home warranty plans that start from $36 a month with optional add-ons to your discretion.

If you’re wondering whether it’s necessary for you to sign up for a mobile home warranty, it’s essential to remember that having a home warranty coverage will provide you peace of mind. Having to fix appliances and various mobile home systems can be costly, but with a mobile home warranty, you’ll be glad that most of the repairs required may be covered by Choice Home Warranty. It’s important to note however that the mobile home warranty does NOT include the following:

Other terms and conditions would also apply to your mobile home warranty, and we’ve found that the customer service team at Choice Home Warranty is more than happy to help. They’re available 24 hours a day, all year round.

FAQs about home warranty Choice Home Warranty

Here are some frequently asked questions that anyone considering Choice Home Warranty has asked – and who knows, these may answer your qualms too.

Why pick Choice Home Warranty?

Having been a home warranty provider for over 10 years, we believe that Choice Home Warranty is a good selection if you’re looking to sign on for a home warranty. Here are some of our top reasons on why Choice Home Warranty is ideal:

The final word

While most homeowners take a lot of time and effort into beautifying their homes, having a home warranty often slips their mind. In a study from the Service Contract Industry Council (SCIC) however, it’s noted that homes with a home warranty service would also sell at a higher price and quicker. This is as home warranties are transferrable, and the new owners will have peace of mind knowing that their homes and belongings will be protected, making home warranties an essential coverage plan that everyone should consider owning.

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