Plans and contract version reviewed: Basic Plan, Total Plan. Facts checked October 23, 2026. We did not perform first-hand testing of this provider's service unless stated.
Our assessment (editorial opinion)
Choice offers two tiers under a sample agreement that caps each covered item at $3,000 per 12-month period. The contract excludes both known and unknown pre-existing conditions and code-related work, which matters more in older homes.
Who it may suit, and who it may not
May suit
- Homeowners whose main concern is kitchen appliances plus heating and plumbing (Basic)
- Buyers who want AC, laundry, and refrigerator in one tier (Total)
May not suit
- Washington homeowners (not currently served)
- Older homes where code or permit work is likely during repairs
- Homes with systems whose history is unknown, since unknown pre-existing conditions are excluded
- Expensive HVAC replacements that could exceed a $3,000 per-item cap
Plans at a glance
As published by Choice Home Warranty in its plan pages and sample contract, checked October 23, 2026. Not a quote; your contract and state version control.
Basic Plan
combination plan
- Includes
- Heating system, Ductwork, Electrical system, Plumbing system, Plumbing stoppage, Water heater, Whirlpool bathtub, Dishwasher, Oven/range/stove, Cooktop, Built-in microwave, Garbage disposal, Garage door opener, Ceiling and exhaust fans
- Limits & caps
- $3,000 per covered item per 12-month period (sample user agreement)
- Service fee
- $100 trade service call fee per claim per FAQ (may be lower with discounts); actual amount set in your coverage details
- Waiting period
- 30 days after receipt of agreement fee
- Optional add-ons
- Pool/spa, Well pump, Sump pump, Central vacuum, Limited roof leak, Septic system, Septic tank pumping, Second refrigerator, Stand-alone freezer
Total Plan
combination plan
- Includes
- Everything in the Basic Plan, Air conditioning, Clothes washer, Clothes dryer, Refrigerator
- Limits & caps
- $3,000 per covered item per 12-month period (sample user agreement)
- Service fee
- $100 trade service call fee per claim per FAQ (may be lower with discounts); actual amount set in your coverage details
- Waiting period
- 30 days after receipt of agreement fee
- Optional add-ons
- Pool/spa, Well pump, Sump pump, Central vacuum, Limited roof leak, Septic system, Septic tank pumping, Second refrigerator, Stand-alone freezer
Key contract terms
| Term | What the contract says | Contract wording |
|---|---|---|
| Code & permit upgrades | Code corrections and permits excluded | We are not responsible for service to meet current building or zoning code requirements or to correct for code violations |
| Unknown pre-existing issues | Known or unknown pre-existing excluded | Known or unknown pre-existing conditions are not covered. |
| Cancellation | Yes; admin fee may apply after 30 days | You may cancel this Agreement at any time for any reason. |
Trade-offs
- The $3,000 per-item cap applies to access, diagnosis, and repair or replacement combined.
- Air conditioning is not in the Basic Plan.
- Cancellation after 30 days carries an administrative fee (the lesser of $50 or other stated amounts, varying by state).
Availability
Choice says it serves homeowners in 49 states and that Washington is not currently covered; plans, pricing, and availability vary by state.
Sources
- Choice Home Warranty — what's covered
- Choice Home Warranty — sample homeowners user agreement
- Choice Home Warranty — FAQ
- Choice Home Warranty — plans overview (state availability)
- Choice Home Warranty — New York plan page (Basic vs. Total)
This page is general education, not legal, financial, or insurance advice. Home warranty terms vary by provider, plan, and state; the contract you sign controls what is covered. Spotted an error? Request a correction.