How Much Does A Home Warranty Cost?
Understanding the cost of a home warranty is essential for homeowners looking to protect their major systems and appliances from unexpected breakdowns. A home warranty can provide peace of mind...
Home Warranty
Average Cost: $45 - $65
Choice Home Warranty (CHW) has established itself as a prominent provider in the home warranty industry, offering homeowners comprehensive protection plans for their essential systems and appliances. With straightforward coverage options and a user-friendly claims process, CHW aims to deliver peace of mind to its customers.
Choice Home Warranty
CHW offers two primary plans:
Optional add-ons are available for items such as pools, spas, well pumps, sump pumps, central vacuums, and septic systems.
CHW’s Total Plan is particularly popular due to its extensive coverage of both systems and appliances. The optional add-ons allow homeowners to tailor their coverage to specific needs, providing flexibility and comprehensive protection.
Pricing varies based on factors like location, home size, and selected coverage. On average, the Basic Plan ranges from $45 to $55 per month, while the Total Plan costs between $55 and $65 per month. Optional add-ons incur additional fees, typically ranging from $40 to $180 per year, depending on the item. A service call fee of $60 to $85 is required for each claim.
CHW occasionally offers promotions, such as a free first month with the purchase of a single payment plan. It’s advisable to check their website or contact customer service for current deals.
CHW’s service contracts cover the repair or replacement of specified systems and appliances due to normal wear and tear. Coverage is subject to limitations and exclusions detailed in the terms and conditions. Notably, pre-existing conditions and non-standard installations are excluded.
Obtaining a quote is straightforward via CHW’s website or by contacting their customer service. Once coverage is in place, service requests can be submitted online or through their 24/7 customer service line. CHW assigns a qualified local contractor to assess and address the issue, with the homeowner paying the service call fee directly to the contractor.
Customers appreciate CHW’s comprehensive coverage options and responsive customer service. However, some have expressed concerns about exclusions for pre-existing conditions and coverage caps that may not fully cover replacement costs.
In the competitive home warranty market, CHW distinguishes itself with comprehensive plans and optional add-ons. However, it’s essential to compare with other providers to determine the best fit for your needs.
American Home Shield (AHS) offers extensive coverage for systems and appliances, including coverage for undetectable pre-existing conditions, which CHW does not provide. AHS also offers customizable service fees, allowing homeowners to adjust their premiums based on selected service call fees. However, AHS’s plans may come at a higher cost compared to CHW.
American Home Shield
First American Home Warranty (FAHW) provides higher coverage limits for key appliances and offers affordable add-ons for specialty items. FAHW’s Premium Plan includes coverage for luxury appliances and central vacuum systems, which may not be standard in CHW’s plans. However, CHW offers a more straightforward claims process and 24/7 customer support, which some homeowners may prefer.
First American Home Warranty
Does Choice Home Warranty cover pre-existing conditions?
No, CHW does not cover pre-existing conditions or non-standard installations.
Are there limits on coverage amounts?
Yes, CHW imposes caps on payouts for certain items, which may not always cover the full cost of repair or replacement.
How do I file a claim with Choice Home Warranty?
Claims can be filed online through the customer portal or by calling their 24/7 customer service line.
Choice Home Warranty offers comprehensive coverage plans with optional add-ons, making it a good fit for homeowners looking for customizable protection for home systems and appliances. With 24/7 customer service and a large contractor network, CHW ensures quick response times and efficient repairs. However, exclusions for pre-existing conditions, coverage caps, and potential price increases upon renewal are factors to consider. For those looking for higher coverage limits or pre-existing condition coverage, alternatives like American Home Shield or First American Home Warranty may be worth exploring. Homeowners should carefully review the service agreement and compare competitors to ensure CHW meets their specific needs and budget.
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