Choice Home Warranty Review: Coverage, Complaints & What Homeowners Should Know

Looking into Choice Home Warranty? We break down coverage, real user complaints, app performance, and more. Know the facts before you buy.

Introduction: Is Choice Home Warranty Worth It?

Home warranties are supposed to protect homeowners from expensive repairs. But does Choice Home Warranty deliver what it promises? I dove deep into their website, mobile apps, online reviews, and third-party ratings to give you the full picture.

Here's what I found: while Choice Home Warranty is widely used, its reputation is polarizing. Some homeowners swear by it. Others call it a scam. Let’s unpack the details so you can make an informed decision.

What Is Choice Home Warranty?

Choice Home Warranty (CHW) offers home warranty plans that cover repair and replacement costs for major home systems and appliances. Founded in 2008, they serve all U.S. states except Washington.

Unlike homeowners insurance, a home warranty covers things like HVAC systems, dishwashers, plumbing, and more when they break down due to normal wear and tear.

What Do Their Plans Include?

CHW offers two plans:

• Basic Plan
• Total Plan (includes everything in Basic plus additional systems like air conditioning, refrigerator, washer, and dryer)

Optional Add-ons:

• Pool/spa
• Septic systems
• Well pump
• Central vacuum

Each service call requires a $85 trade service fee. That’s per visit, per issue.

Who Should Use CHW?

According to their buyer/seller section, they target:

• Homebuyers looking for protection in the first year
• Home sellers are trying to sweeten a deal
• Real estate agents who bundle warranties in sales

Their real estate pro portal offers custom plans and marketing tools for agents.

But are these plans actually effective? Let’s examine the user feedback.

User Reviews: What Are Homeowners Saying?

Here’s where things get complicated.

Complaints From Reddit:

Two prominent threads stand out:

• A Reddit user in r/RealEstate said they “regret getting Choice Home Warranty” after waiting weeks for service and dealing with denied claims.
• In r/FirstTimeHomeBuyer, one post titled "SCAM ALERT" alleged that Choice denied coverage due to vague loopholes.
  

Trustpilot and Facebook Feedback:

• Facebook reviews are mixed. Some mention fast service, while others complain of delays and poor customer support.
• Trustpilot does not list Choice directly, but US News and Forbes give it 2.9/5 stars and 3.6/5 stars, respectively.

Choice Home Warranty App Review

CHW has apps on both Android and iOS for managing claims and service requests.

Google Play Store:

• Rating: 3.1 out of 5
• Common complaints: App crashes, login issues, lack of transparency in claim updates

Apple App Store:

• Rating: 1.7 out of 5

• Common issues: Users report the app is buggy and often doesn’t update request status

Clearly, CHW’s digital platform needs serious improvement.

Pros and Cons: The Honest Breakdown

Pros:

• Competitive pricing
• Nationwide service network (except WA)
• Broad range of optional coverage
• Available for buyers, sellers, and agents

Cons:

• High volume of complaints about claim denials
• Negative app experience on both Android and iOS
• Long wait times for repairs
• Poor transparency in fine print

Industry Analysis: How Does CHW Compare?

According to US News, CHW ranks #8 out of 12 home warranty companies in 2025. That’s below companies like American Home Shield and Liberty Home Guard.

Forbes Home points out that CHW lacks customization and flexibility. Many competitors offer 24/7 chat support, while CHW is stuck with standard phone service.

So, where does CHW shine? Affordability. But that comes with trade-offs in service and transparency.

Real Estate Perspective: Is CHW a Good Partner?

On its real estate partner page, CHW pitches itself to agents as a value-add for clients. Agents can get discounted rates and use CHW’s portal to manage coverage for multiple properties.

But agents beware: online reviews suggest CHW may not deliver consistent service. That could backfire on your professional reputation.

If you're considering CHW as a real estate agent, test their responsiveness before referring clients.

Alternatives to Consider

If you’re on the fence, here are three top-rated competitors:

These companies often score higher in customer satisfaction and app usability.

Final Verdict: Should You Choose Choice Home Warranty?

It depends. If you're looking for basic coverage at a lower price and you're okay navigating a few service hiccups, CHW could work for you.

But if you want a seamless digital experience and fast claim approvals, there are better-rated options.

Key Takeaways:

CHW’s prices are attractive, but service can be inconsistent.

• Their apps are poorly rated across platforms.
• Real user feedback flags frequent issues with claim denials and delays.
• Read the fine print and compare before committing.