Here is a snapshot of CHW (Choice Home Warranty) in 2025: the good, the bad, and the potential problems if you choose to sign up. This will be a “friendly but honest” take 😉
Which CHW reasonably does well ( positives)
- Low-cost plans with a range of options to choose from. CHW has two key plans, the Basic and Total Plan, with a monthly premium of $45-$55 (Basic Plan) to $55-$65 (Total Plan), depending on your home size and location.
- The Total Plan has several appliances and systems under coverage, e.g., refrigerator, washer/dryer, HVAC, plumbing, electrical, garbage disposal, and water heaters.
- Options to customize and flexibility. CHW offers optional add-ons (pools, septic systems, roof leak coverage, etc.) to increase flexibility depending on what you have in your home. If you do not want blanket coverage, you can remove the ones you do not want.
- Easy 24/7 claims and a large contractor network. CHW has 24/7 claim support and offers a network of ~25,000 licensed contractors across multiple states. This can be beneficial to you as it saves you the time of searching for a plumber or technician to do the repairs.
- Coverage caps and guarantees are some of the best in the industry for workmanship.
- On numerous insured services, CHW offers up to $3,000 per appliance/system per year.
- In comparison to most warranty providers, CHW also offers a longer guarantee period, at 90 days for parts and 60 days for labor.
- For people living in older homes with older appliances or systems, CHW, in return for a low monthly charge, offers a range of services for easily affordable and structured fee service calls and saves them the hassle of looking for reliable, expensive, and often unavailable service providers.
⚠️ Problems with claims
- While many customers have had CHW for years with little or no issues, some customers have reported major issues that have gone wrong. Here are some of the problems that keep getting reported:
- Claim denial and coverage of issues. Many reviews point out that claims have been denied because of reasons such as lack of coverage, or there being a preexisting condition, or physical damage. This can seem very unfair when some customers feel that it should have been a maintenance issue of normal wear and tear.
- Reimbursements and low payouts. Some customers have reported CHW not giving any reimbursements. When people do receive reimbursements, customers feel that it should have been more. One reported that reimbursements are given with no monetary value, such as with a gift card, and it can lead people to feel as if they did not receive any reimbursement for their money.
- Unreliable contractors, slow service, and long delays. Many people have complained that as of lately, there have been more contractors who do not show up, and people have long gaps between service appointments, with little service being done during the time that they do arrive.
- Problems with customer service include communication. Some customers have reported that it took an unreasonable amount of time to respond to cancellation requests or that there has been a complete loss of communication.
- Coverage gaps and mixed reliability by claim type, including what CHW covers. CHW contracts have many exclusions, such as roofs, and the coverage cap on roof leaks can be very low. Well pumps, septic pumps, and standalone appliances are also not included. CHW claims may have caps, exclusions, or coverage gaps.
- Reputation for consumer complaints. The CHW has over 11,200 complaints over a 3-year period submitted to the Better Business Bureau (BBB) as of the end of 2025. Clearly, a large number of CHW customers remain unhappy.
- So, Is CHW Worth It? My Perspective (who homeowners might fit this to, and which ones they should be on the lookout for)
Good fit if… Consider alternatives if…
- You have old appliances or systems, and you would prefer to pay a set monthly fee as opposed to worrying about surprise repair bills. You want unfulfilled “top-shelf” service in a seamless way, as CHW has a history of providing many disappointing service experiences.
- You are ok paying the service fee and the possibility of having repairs done, instead of complete replacements (retail value) at no cost. You want strong assurances that claims will be honored and that full-value replacement (gift cards or reimbursements are considered partial replacements) should be guaranteed.
- You want to be careful to read the contract, have a sound maintenance program on your appliances, and avoid items that have a high risk of failing. You are providing a completely new home/appliances and want a high degree of flexibility and reliability in your plan. It would possibly be a better idea to approach the warranty or look for a viable plan that has less risk to the warranty.
- In summary, there is no question that Choice Home Warranty is a trusted home warranty service that is worth the money. However, it is not a set-and-forget service; they do have a significant number of customer complaints, and you should read the fine print to fully understand the service you are getting.
- I can also bring up a comparison between Choice Home Warranty and 3-4 of its closest competitors, and I can also explain both the strengths and weaknesses of each of these services.
Would you like me to develop that comparison table now?
