Home warranty is a mandatory product that should be provided to homeowners because it guards against the all-unforeseen expenses of repairing or replacing the major appliances and systems. Choice Home Warranty is a growingly popular choice in the market, which is not the lowest-ranked. This guide will compare the various plans that are being provided by Choice Home Warranty and the homeowners will know the type of plan that is applicable to their needs, budget, and lifestyle. By the close, you would easily understand what each plan has to offer, and how to choose the best.
What is Choice Home Warranty?
Choice Home Warranty is a business offering major appliances and system repair and replacement cover. It is similar to insurance, whereby homeowners are assured of untimely breakdowns. Rather than paying out-of- pocket money to have repairs done on costly appliances, you get to pay a fixed yearly premium in addition to a call-out fee when your appliances or system breaks down
Why Consider a Home Warranty?
Home warranties are useful for several reasons:
- Financial protection: Avoid large, unexpected repair costs.
- Convenience: Access to pre-screened repair professionals.
- Predictable budgeting: Pay a set annual premium and service fees.
- Peace of mind: Especially beneficial for first-time homeowners or those with aging systems.
Choice Home Warranty is one of the most trusted companies providing this service across the U.S., offering a variety of plans to suit different home needs.
Choice Home Warranty Plans Overview
Choice Home Warranty offers multiple plans, primarily differentiated by coverage and pricing. Let’s break them down:
1. Basic Plan
- Addresses the key systems such as HVAC, plumbing and electrical systems.
- Comes with fridge, inbuilt oven, and dishwasher in certain areas.
- Best: Homeowners seeking fundamental system coverage.
- Advantages: Cheap, includes all the basic home systems.
- Disadvantages: Covers only a few appliances, might need to add, to be fully covered.
2. Total Plan
- All the systems of the Basic Plan with additions of other appliances such washer, dryer, microwave, and garbage disposal.
- There can be also some plans that include pool/spa equipment (optional).
- Best use: Families that have numerous appliances that require coverage.
- Advantages: Complete coverage of appliances, less out of pocket repairs.
- Cons: Annual premium is more than Basic Plan.
3. Platinum Plan
- Also covers all the features of Total Plan, but the roof leaks, extra plumbing coverage, and older appliances.
- Best: Homeowners who require high-end policy coverage on older homes or those homes that have multiple major systems.
- Advantages: Large coverage, security of high-valued houses.
- Cons: The most expensive; can contain coverage that is not required by all homeowners.
Comparing Coverage: Basic vs Total vs Platinum
| Feature | Basic Plan | Total Plan | Platinum Plan |
|---|---|---|---|
| HVAC | ✅ | ✅ | ✅ |
| Plumbing Systems | ✅ | ✅ | ✅ + extra coverage |
| Electrical Systems | ✅ | ✅ | ✅ |
| Refrigerator | Partial | ✅ | ✅ |
| Washer/Dryer | ❌ | ✅ | ✅ |
| Dishwasher | Partial | ✅ | ✅ |
| Microwave | ❌ | ✅ | ✅ |
| Roof Leak Protection | ❌ | ❌ | ✅ |
| Pool/Spa Equipment | Optional | Optional | Optional |
| Premium Cost (Approx.) | $499/year | $599/year | $699/year |
| Service Call Fee | $75–$125 | $75–$125 | $75–$125 |
Note: Prices vary by state. Check the official Choice Home Warranty website for exact figures in your location.
Pros of Choice Home Warranty Plans
- Wide service network: Access to licensed and pre-screened repair technicians.
- Flexible plans: Choose coverage based on your home’s age and appliance quantity.
- Peace of mind: Reduces financial stress for unexpected breakdowns.
- Easy claims process: Online or phone-based claims submission.
- Optional add-ons: Customize coverage for pools, spas, roof leaks, and more.
Cons of Choice Home Warranty Plans
- Coverage exclusions: Certain pre-existing conditions or non-standard appliances may not be covered.
- Service call fees: Each repair requires an additional fee.
- Repair delays: Some claims may take longer depending on technician availability.
- Regional variations: Coverage and pricing differ by state.
How to Choose the Right Plan
Choosing the right Choice Home Warranty plan depends on:
- Age of Home: Older homes may benefit from Total or Platinum plans for older systems.
- Appliance Inventory: If you have multiple major appliances, Total or Platinum plans are ideal.
- Budget: Basic Plan is budget-friendly but limited. Total and Platinum cost more but cover more items.
- Lifestyle Needs: Families with kids or frequent home use may benefit from comprehensive coverage.
Tip: Review the fine print carefully for exclusions, deductibles, and optional add-ons before committing.
Common FAQs About Choice Home Warranty
1. What is the cost of a Choice Home Warranty plan?
Depending on your location and selected plan, annual premiums range from $499 to $699, with service call fees from $75–$125.
2. Does Choice Home Warranty cover pre-existing conditions?
No, pre-existing conditions are generally excluded. Coverage begins after the policy starts for new or existing working appliances.
3. Can I upgrade my plan later?
Yes, Choice Home Warranty allows plan upgrades for more comprehensive coverage.
4. Is the claim process easy?
Claims can be submitted via phone or online. The company dispatches licensed technicians to assess and repair.
5. Are pools and spas covered?
Pool and spa coverage is optional and may require an additional add-on fee.
Tips to Maximize Your Warranty Benefits
- Review the contract to know the coverage limits and exclusions.
- Stick to a timetable where all appliances are serviced regularly to avoid failure.
- Label appliances with pictures and bills to ease claims.
- Engage suggested service providers to prevent claims rejection.
Conclusion
Choice Home Warranty offers homeowners the opportunity to buy their houses with versatile possibilities to cover the cost of unforeseen repairs and replacements. You must have coverage of the necessary systems (Basic Plan) or you need to have full coverage of all appliances and systems (Total and Platinum Plans), the knowledge of the differences between the plans can enable you to make a knowledgeable decision. How old is your house, what are the appliances in your house and what is your budget to determine the appropriate plan and have the tranquility of a good home warranty coverage
