Choice Home Warranty Prices: Costs, Plans & Fees
introduction
If you are searching for Choice Home Warranty prices, you probably want to know more than just the advertised monthly cost. You also need to understand the available plans, service fees, covered systems and appliances, optional coverage, exclusions, and potential out-of-pocket expenses.
Choice Home Warranty pricing can vary depending on several factors, including your location, selected plan, property, payment option, and available coverage. That means there is not necessarily one price that applies to every homeowner.
This guide explains Choice Home Warranty prices in simple terms so you can compare your options and understand what you may actually pay before choosing a home warranty plan.
Quick answer: Choice Home Warranty prices vary by homeowner and plan. The most accurate price is the personalized quote available for your property. Before buying, compare the premium with the service fee, coverage limits, exclusions, optional coverage, and other contract terms.
If you are new to home warranties, you may also want to read our complete home warranty guide to understand how home warranty contracts work.
Choice Home Warranty Prices at a Glance
The easiest way to understand Choice Home Warranty prices is to look at all of the possible costs instead of focusing only on the monthly premium.
| Cost | What It Means |
|---|---|
| Plan Premium | The amount you pay for your selected home warranty plan. |
| Service Fee | A fee that may apply when you request service for a covered problem. |
| Optional Coverage | Additional protection that may be available for eligible systems or appliances. |
| Uncovered Expenses | Costs associated with items or situations excluded from your contract. |
| Coverage-Limit Expenses | Potential costs when a repair or replacement is subject to contractual limits. |
Looking at all five categories gives you a much better picture of your potential total cost.
How Much Does Choice Home Warranty Cost?
There is no single nationwide price that every homeowner will pay for Choice Home Warranty.
Your quote can depend on factors such as:
- Your location
- Your home type
- The plan you choose
- The systems and appliances you want covered
- Optional coverage
- Your payment arrangement
- Current promotions or offers
For this reason, published prices should be treated as estimates rather than guaranteed prices.
Your personalized quote and contract are the best sources for your actual Choice Home Warranty prices.
You can also compare the cost with our home warranty cost guide before making a decision.
Choice Home Warranty Plans
Choice Home Warranty currently presents two main plan levels: the Basic Plan and the Total Plan.
The Total Plan provides additional coverage beyond the Basic Plan, which means its price can be higher.
| Coverage | Basic Plan | Total Plan |
|---|---|---|
| Heating System | Yes | Yes |
| Electrical System | Yes | Yes |
| Plumbing System | Yes | Yes |
| Water Heater | Yes | Yes |
| Dishwasher | Yes | Yes |
| Oven / Range / Stove | Yes | Yes |
| Built-In Microwave | Yes | Yes |
| Garbage Disposal | Yes | Yes |
| Garage Door Opener | Yes | Yes |
| Air Conditioning | No | Yes |
| Refrigerator | No | Yes |
| Clothes Washer | No | Yes |
| Clothes Dryer | No | Yes |
Choice’s current plan pages show the Total Plan adding air conditioning, refrigerator, clothes washer, and clothes dryer coverage to the Basic Plan coverage. :contentReference[oaicite:1]{index=1}
Coverage can vary by contract and location, so always check the plan details associated with your quote.
Choice Home Warranty Basic Plan
The Basic Plan is designed for homeowners who want coverage for a range of important home systems and selected appliances.
Depending on the applicable plan terms, Basic coverage can include items such as:
- Heating system
- Electrical system
- Plumbing system
- Water heater
- Dishwasher
- Oven, range, or stove
- Built-in microwave
- Garbage disposal
- Garage door opener
- Ductwork
- Ceiling and exhaust fans
The Basic Plan may be suitable if you want essential coverage without paying for the additional appliances included in the Total Plan.
Choice Home Warranty Total Plan
The Total Plan is intended for homeowners who want broader protection.
In addition to the coverage available under the Basic Plan, the Total Plan includes additional items such as:
- Air conditioning
- Refrigerator
- Clothes washer
- Clothes dryer
If several of these appliances are older or heavily used, the additional coverage may be worth considering when comparing Choice Home Warranty prices.
What Is the Choice Home Warranty Service Fee?
The service fee is one of the most important costs to consider when comparing Choice Home Warranty prices.
A service fee may apply when you request service for a covered breakdown. The exact amount should be confirmed in the Coverage Details and service agreement associated with your plan.
This means your total home warranty cost is not simply the monthly premium multiplied by the number of months in your contract.
For example, a homeowner could pay a recurring plan premium and then pay a separate service fee when requesting covered service.
Always check your contract for the exact service fee that applies to you.
How to Calculate Your Total Choice Home Warranty Cost
A simple way to estimate your potential annual cost is:
Total potential cost = plan premium + service fees + optional coverage + uncovered expenses
For example, imagine a hypothetical homeowner pays $55 per month and makes two covered service requests with a hypothetical $100 service fee.
$55 × 12 = $660
$100 × 2 = $200
Total hypothetical cost = $860
This is only an example. It is not a guaranteed Choice Home Warranty price and should not be interpreted as a quote.
What Does Choice Home Warranty Cover?
Choice Home Warranty provides coverage for different home systems and appliances depending on the selected plan and applicable contract.
Common coverage categories include:
- Heating systems
- Electrical systems
- Plumbing systems
- Water heaters
- Air conditioning under applicable plans
- Refrigerators under applicable plans
- Clothes washers and dryers under applicable plans
- Dishwashers
- Ovens and ranges
- Built-in microwaves
- Garbage disposals
- Garage door openers
Choice’s current coverage pages show these categories across its Basic and Total plans, with the Total Plan adding several major appliances and air conditioning. :contentReference[oaicite:2]{index=2}
Coverage is always subject to the exclusions, limitations, conditions, and definitions in the applicable service agreement.
What Does Choice Home Warranty Not Cover?
Knowing what is excluded is just as important as knowing what is covered.
A home warranty does not automatically mean that every repair or replacement will be paid in full.
Depending on the contract, exclusions or limitations may apply to:
- Pre-existing conditions
- Improper installation
- Improper maintenance
- Misuse
- Cosmetic damage
- Excluded components
- Costs above applicable limits
- Situations specifically excluded by the agreement
Never make a purchase decision based only on a coverage list. Read the actual contract and Coverage Details.
Choice Home Warranty Coverage Limits
Coverage limits are another reason you should not compare Choice Home Warranty prices based only on the advertised premium.
Before purchasing, check whether your agreement contains limits for:
- Individual systems
- Individual appliances
- Parts and components
- Labor
- Replacement costs
- Annual claims or aggregate amounts
The applicable service agreement determines the actual coverage available to you.
Does Choice Home Warranty Cover Older Appliances?
Older appliances are one of the main reasons homeowners consider a home warranty.
However, the age of an appliance should not be treated as a guarantee that every repair will qualify for coverage.
Choice’s contract materials state that covered systems and appliances can be eligible regardless of age, make, or model when the applicable requirements are satisfied. :contentReference[oaicite:3]{index=3}
The appliance or system must still meet the contract’s requirements, including applicable installation, operating-condition, maintenance, exclusion, and coverage provisions.
Does Choice Home Warranty Cover Pre-Existing Conditions?
Pre-existing conditions are an important consideration when reviewing Choice Home Warranty prices.
If a system or appliance already has a known problem before coverage begins, you should not assume that buying a home warranty will make that problem eligible for service.
Review the applicable service agreement for the exact rules regarding pre-existing conditions and other exclusions.
Choice Home Warranty Optional Coverage
Some homeowners need protection beyond the standard plan.
Depending on availability and location, optional coverage may be available for items such as:
- Pool or spa
- Well pump
- Sump pump
- Central vacuum
- Limited roof leak coverage
- Septic system
- Second refrigerator
- Stand-alone freezer
- Septic tank pumping
Choice’s current location pages list several of these optional coverage categories. :contentReference[oaicite:4]{index=4}
Optional coverage can increase your total cost, so only select add-ons that make sense for your property.
How to Get the Best Choice Home Warranty Price
Finding the lowest advertised number is not necessarily the same as finding the best value.
1. Compare the Basic and Total Plans
Start by identifying which systems and appliances you actually need covered.
If you do not need the additional Total Plan coverage, the Basic Plan may be enough for your needs.
2. Compare the Complete Contract Cost
Look at the full premium rather than focusing only on the monthly figure.
3. Check the Service Fee
A lower premium may not be as attractive if the service fee or other contract terms do not fit your budget.
4. Review Optional Coverage
Do not add coverage simply because it is available. Consider whether the item is valuable enough to justify the additional cost.
5. Check Current Promotions
Home warranty promotions can change. If you see a discount or promotional offer, read the eligibility requirements and terms before purchasing.
6. Read the Agreement
The contract should be treated as the final authority on coverage, exclusions, limits, service requirements, and other important terms.
Is Choice Home Warranty Worth the Price?
Whether Choice Home Warranty is worth the price depends on your home and financial situation.
A home warranty may make sense if:
- Your home has older systems or appliances.
- You want predictable service-related expenses.
- You prefer not to handle every covered repair yourself.
- You want access to coordinated repair service for eligible breakdowns.
- You do not want to pay the full cost of every covered repair out of pocket.
It may be less attractive if:
- Your appliances and systems are relatively new.
- You have a strong emergency repair fund.
- You prefer to choose and pay repair contractors yourself.
- The exclusions or limits do not fit your needs.
Choice Home Warranty vs. Paying for Repairs Yourself
One of the simplest ways to evaluate Choice Home Warranty prices is to compare the warranty approach with self-funding repairs.
With self-funding, you save money independently and use those funds when a repair becomes necessary.
With a home warranty, you pay the plan premium and potentially a service fee when you need covered service.
Neither option is automatically best for every homeowner.
Your decision should depend on the condition of your home, your emergency savings, your expected repair risk, and the actual terms of the contract.
Monthly vs. Annual Choice Home Warranty Cost
When comparing Choice Home Warranty prices, look at the total amount you will pay over the contract period.
A monthly payment can make budgeting easier, while another payment arrangement may provide different pricing or terms.
Before selecting a payment option, compare:
- Total premium
- Payment frequency
- Service fees
- Optional coverage
- Promotional conditions
- Renewal terms
Do not assume that the lowest monthly number automatically means the lowest overall cost.
Can Choice Home Warranty Prices Change?
Yes. Home warranty pricing can change over time.
Premiums, promotions, service fees, available plans, and other terms may be updated.
Choice’s contract materials also indicate that renewal can be offered at the prevailing rate and terms applicable at renewal. :contentReference[oaicite:5]{index=5}
That is why an old price published on another website should not automatically be treated as your current price.
Always check your personalized quote and the applicable agreement before purchasing or renewing coverage.
What to Check Before Buying Choice Home Warranty
Before paying for a home warranty plan, use this checklist:
- Monthly premium
- Total contract price
- Service fee
- Covered systems
- Covered appliances
- Optional coverage
- Coverage limits
- Exclusions
- Pre-existing-condition rules
- Waiting period
- Cancellation terms
- Renewal terms
Checking these details before purchasing can help you avoid unexpected costs later.
How to Compare Choice Home Warranty Prices With Competitors
If you are comparing several home warranty companies, do not compare monthly premiums alone.
Instead, create a simple comparison using:
| Factor | What to Compare |
|---|---|
| Premium | Total cost of the plan |
| Service Fee | Amount charged when requesting covered service |
| Coverage | Systems and appliances included |
| Exclusions | Items and situations not covered |
| Coverage Limits | Maximum amounts or restrictions |
| Add-Ons | Optional coverage and pricing |
| Renewal | Future pricing and terms |
This approach gives you a much more accurate comparison than simply choosing the company with the lowest advertised monthly price.
Frequently Asked Questions About Choice Home Warranty Prices
1. How much does Choice Home Warranty cost?
Choice Home Warranty prices vary depending on your location, selected plan, property, payment arrangement, and optional coverage. Your personalized quote is the most accurate way to determine your actual cost.
2. What is the cheapest Choice Home Warranty plan?
The Basic Plan is generally the lower-level standard plan. However, the exact premium depends on your location and quote.
3. What is the difference between the Basic and Total Plan?
The Total Plan adds coverage for items such as air conditioning, refrigerator, clothes washer, and clothes dryer beyond the Basic Plan coverage. :contentReference[oaicite:6]{index=6}
4. Does Choice Home Warranty cover air conditioning?
Air conditioning is included in the Total Plan according to Choice’s current plan information. :contentReference[oaicite:7]{index=7}
5. Does Choice Home Warranty cover refrigerators?
Refrigerator coverage is included in the Total Plan under the applicable coverage terms. :contentReference[oaicite:8]{index=8}
6. Does Choice Home Warranty cover washers and dryers?
Clothes washer and dryer coverage is included in the Total Plan according to the current plan information. :contentReference[oaicite:9]{index=9}
7. What is the Choice Home Warranty service fee?
The service fee is a charge that may apply when you request service for a covered problem. Check your specific Coverage Details for the exact amount that applies to your contract.
8. Do Choice Home Warranty prices vary by location?
Yes. Pricing can vary based on location and other factors. The best way to know your actual price is to request a quote for your property.
9. Does Choice Home Warranty cover old appliances?
Choice’s contract materials state that covered systems and appliances can qualify regardless of age, make, or model when the contract’s applicable requirements are met. :contentReference[oaicite:10]{index=10}
10. Does Choice Home Warranty cover pre-existing conditions?
Pre-existing conditions are subject to the exclusions and conditions in the applicable service agreement. Always read the contract before assuming an existing problem will be covered.
11. Can I pay Choice Home Warranty monthly?
Payment options can vary. Check your personalized quote for the available payment arrangements and the total cost associated with each option.
12. Can I pay Choice Home Warranty annually?
Available payment arrangements can vary. Compare the total contract cost rather than choosing a payment option based only on the monthly amount.
13. Does Choice Home Warranty offer discounts?
Promotions may be available from time to time. Because offers can change, check the current terms and eligibility requirements before relying on a discount.
14. Are service fees included in Choice Home Warranty prices?
A service fee can be a separate charge associated with a service request. Review your contract to determine the applicable service fee.
15. Is Choice Home Warranty worth the price?
It depends on your home, repair risk, budget, appliances, systems, and the specific coverage offered by your plan. Compare the complete cost with the protection you actually need.
16. Can I add optional coverage?
Optional coverage may be available for eligible items. Availability and pricing can vary by location and plan.
17. How can I get an exact Choice Home Warranty price?
Request a personalized quote using your property information. Published prices from other websites may not match the price available for your home.
18. Does Choice Home Warranty cover normal wear and tear?
Home warranty contracts are generally designed to address eligible breakdowns associated with normal wear and tear, subject to the terms, exclusions, and limitations of the applicable agreement.
19. What should I compare besides Choice Home Warranty prices?
Compare service fees, coverage, exclusions, limits, optional coverage, cancellation rules, waiting periods, payment terms, and renewal provisions.
20. Can Choice Home Warranty prices change at renewal?
Renewal pricing and terms can differ from the original contract. Choice’s contract materials state that renewable plans may be renewed at the prevailing rate and terms. :contentReference[oaicite:11]{index=11}
Final Verdict on Choice Home Warranty Prices
Choice Home Warranty prices should be evaluated based on total value rather than the monthly premium alone.
The Basic Plan may be suitable for homeowners who want coverage for important home systems and selected appliances. The Total Plan may be more appropriate for homeowners who also want coverage for additional items such as air conditioning, refrigerators, washers, and dryers.
Before purchasing, compare your:
- Total plan premium
- Service fee
- Covered systems
- Covered appliances
- Optional coverage
- Coverage limits
- Contract exclusions
- Pre-existing-condition provisions
- Cancellation terms
- Renewal terms
The most important point is simple: don’t choose a home warranty based only on the advertised monthly price.
Instead, calculate the potential total cost and make sure the coverage actually matches the systems and appliances in your home.
For additional information about home warranty topics, visit our home warranty resources .
Helpful External Resources
For the most accurate coverage information, review the official Choice Home Warranty coverage information and applicable service agreement before purchasing.
Note: Home warranty coverage, pricing, service fees, exclusions, limits, promotions, and renewal terms can change. Always verify the current quote and contract before purchasing.
