# Choice Home Warranty Review 2026

Ranked #1 (9.8/10, our editors' rating) in https://digitaltop10.com/home-warranty/. Updated October 2026.

## Our take

Choice Home Warranty keeps things simple: two plans, one service fee, and coverage for both home systems and appliances for under $70 a month. Its Total plan covers the big-ticket items most people worry about, including the AC, refrigerator, washer and dryer.

You can’t pick your own technician, so you’ll rely on Choice’s contractor network. If you want a straightforward plan at a fair price, it’s a strong place to start.

## At a glance

- Monthly price: $49–$68
- Service fee: $100
- Coverage cap: $3,000 per item
- Repair guarantee: 60 days labor, 90 days parts
- Add-ons: 11 options
- Home inspection: Not required

## Pros

- Systems and appliances in one plan for under $70 a month
- Up to $3,000 per covered item
- Covers drywall damage caused by repairs
- No home inspection, 24/7 claims and a 30-day refund window

## Cons

- The Basic plan leaves out AC, refrigerator and laundry
- You must use Choice’s contractors
- Paying monthly adds a $2.50 fee

## Plans

| Plan | What it covers | Typical price |
|---|---|---|
| Basic | Core systems like heating, plumbing and electrical, plus kitchen appliances. No AC, refrigerator or laundry. | About $49–$60/mo |
| Total | Everything in Basic, plus AC, refrigerator, washer and dryer | About $58–$68/mo |
| Add-ons | 11 optional extras for items the base plans leave out | About $3–$15/mo each |

## How a claim works

1. File a claim online or by phone, any time of day.
2. Choice sends a technician from its contractor network.
3. You pay the $100 service fee when the technician arrives.
4. Covered items are repaired or replaced, and Choice may offer cash instead if a replacement isn’t possible.

## Bottom line

For most homeowners who want systems and appliances covered without a complicated menu of plans, Choice Home Warranty’s Total plan is our top pick. If you want to choose your own technician, compare #3 AFC first.

## Company facts

- Plans: Basic and Total
- Technicians: Choice’s contractor network
- Claims: Online or by phone, 24/7
- Refund window: 30 days
- Website: https://www.choicehomewarranty.com/

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