Choice Home Warranty Prices in 2026: Plans, Costs & Is It Worth It?

Suppose you are having the time of your life on an off day. And that is when a major appliance breakdown happens, which could be your AC failure, plumbing issues, or any such instances, escalating unexpected expenses. That is pathetic, right? 

But what if I tell you that there is a better way to deal with it? And that is to buy a Choice Home Warranty. You just pay fixed Choice Home Warranty prices and get comprehensive repair and replacement coverage for essential home appliances and systems. 

Furthermore, Choice Home Warranty offers a higher workmanship guarantee and usually includes a 60-day on-labor service, which is only 30 days in the cases of most competitors. So, stay tuned, especially homeowners with old properties.    

Why Homeowners Consider Choice Home Warranty in 2026  

Homeowners today consider home warranties mainly due to three reasons: rising repair costs, aging home systems, and predictable budgeting. Consider these points below in detail. 

1. Rising repair costs: With the given inflation levels in most developed countries, it has become exceedingly difficult for individuals to manage repair-related costs from time to time. Thus, a warranty relieves this situation by allowing for the financial support, whatever and whenever needed. 

2. Aging home systems: With constant use, every part of the residential property begins to wear down. That makes the need for a warranty even more crucial. So, potential breakdowns of the systems, i.e., HVAC, water heaters, etc., can be met without any worry, effortlessly. 

3. Predictable budgeting: Choice home warranty prices are fixed. In other words, a home warranty costs a fixed monthly fee but covers an unexpected amount of repair expenses, protecting a client’s budget. 

In this context, Choice Home Warranty is the most popular company among US households. This enterprise offers affordable coverage for unexpected repair costs related to essential home systems and appliances. 

If you own one of the most expensive houses in America, this warranty will help you save a lot of money on regular appliance and home system repair and replacement expenses every year. Just choose the right choice home warranty plans and avail yourself of their exciting services.   

Choice Home Warranty Prices in 2026 (Monthly & Annual Costs) 

Choice Home Warranty George Foreman, the brand ambassador and spokesperson, always rightly supports the authority of the CHW. He claims that the company provides excellent household repair coverage. Consider Choice Home Warranty prices with the basic and total plans below. The exact prices vary slightly by location, but the average ranges remain the same. 

Payment Method ➡️ Plan Type ⬇️	Monthly Range	Annual Range
Basic Plan	$45-$50	$540-$600
Total Plan	$50-$60	$600-$720

Save Money: Rather than monthly payments, go with an annual mode. It will help you save big amounts, as annual plans are often promoted with considerable discounts and offers. For an individual inquiry, connect with the support via Choice Home Warranty.

The Hidden Cost You Must Know: Service Call Fees 

Paying Choice Home Warranty prices now for a suitable coverage plan will pay off later. But don’t forget to factor in the standard service call fee. Consider the key aspects of this major hidden cost below.  

• The fee structure: Every coverage holder has to pay a typical fee of $100 whenever they file a claim. They have to pay this fee directly to the technician upon arrival. 

• Per-visit cost: This service fee of $100 is to be paid per visit. Suppose you have two technicians visiting your home for two different types of repairs. In that case, you will have to pay each service provider individually, amounting to approximately $200. 

• The reality: Get it fixed yourself if a repair costs less than $100. Filing a claim will require a fixed service fee without any actual service, increasing the overall cost. 

• Cash in lieu of repair: Even if the fee has been paid, claims can be denied, or you face “cash in lieu of repair,” where you only receive cash to get the item fixed yourself. 

Hence, before you finalize your home warranty choice home warranty contract, read all the sections, terms, and conditions carefully. Learn about hidden costs and charges right in the beginning, including choice home warranty prices . If you don’t know, learn about the general conditions of a contract in advance for better decision-making and behavior. 

Also Read: Cheapest State to Buy a House in the USA: Find Your Perfect Dream Place & Enjoy Life Forever! 

Choice Home Warranty Plans Compared: Basic vs Total 

Consider the nature and comparison between basic and total home warranty plans by CHW. The company provides quality coverage, collecting positive and valuable home choice warranty reviews from its clients. 

Who Should Choose the Basic Plan

The basic plan must be chosen by every household that needs coverage against heating, plumbing, electrical, water heaters, and other kitchen essentials like ovens, ranges, stoves, dishwashers, cooktops, garbage disposals, and built-in microwaves, while also considering the choice home warranty prices .

This is the best plan for householders with new appliances. 

Who Should Choose the Total Plan 

This is one of the most popular choice home warranty plans. It provides higher coverage, including all the basic plan items, plus AC, refrigerators, and washer & dryer sets. AC coverage is a crucial item here because it is the main component of the HVAC system.   

Furthermore, the buyer can also enhance its contract with the help of add-on coverage items, such as well pumps, septic systems, sump pumps, septic tank systems, limited roof leaks, etc. 

Note: If you are considering this warranty because you are planning or about to plan a residential construction, make sure you are also familiar with the builders risk insurance.

What are the Must-Know Coverage Caps and Limits of Choice Home Warranty? 

Coverage buyers only have to pay fixed-choice home warranty prices as per their plans. But they get protection from unexpected expenditures related to the breakdown of household appliances and systems. The maximum you get for a major system covered in both plans is $3,000, as provided below. 

The $3,000 Coverage Limit Rule 

The $3,000 cap applies to all the major appliances or systems covered under both the basic and total plans, as provided in the table below.   

Item	Repair or Replacement Cap (or Max Limit)
Heating and air conditioning systems	$3,000
Electrical systems	$3,000
Plumbing systems	$3,000
Every covered item or appliance	$3,000

Lower Limits on Specific Items

The home warranty plan doesn’t always provide $3,000 for every type of repair or replacement. Some items are only protected up to a lower limit, usually up to $500. Such parts of the house are mentioned below.  

Lower Limit Items	Lower Coverage
Roof leaks	$500
Septic system	$500
Septic tank pumping	$250
Well pump	$500
Access costs, i.e., opening walls, floors, or ceilings	$500

These limits exist to define the company’s liability in response to future claims from the coverage holders. Furthermore, the well-defined limits or caps also help insurance buyers make informed decisions without any scope for ambiguity, especially when evaluating choice home warranty prices .

Note: Always read a contract carefully before accepting and giving consent to the terms. And discuss with your service provider whenever you find an unclear term or phrase. Often, by utilizing such vague language or terminology, coverage companies get rid of most of their liabilities.

Also Read: 19 Steps to Building a House – Construct Your Dream Living Space With Precision 

Is Choice Home Warranty Worth the Price in 2026? 

Consider the example of an AC breakdown to understand how even one major repair can cover the entire annual cost or the Choice Home Warranty prices you have paid in a year.    

Particulars	Costs
AC repair cost without warranty	An emergency HVAC compressor repair or replacement typically costs $1,000 to $2,000.
Cost with choice home warranty	A total plan of $660/year with a $100 service fee results in $760.
Deduction	$1,500 (average repair cost without warranty) – $760 (warranty cost)
Net Savings	$740

If you hadn’t bought the warranty here, you would have had to pay the straight $1,500 to get the AC fixed, which is a major component of the HVAC system in all modern residential construction types. 

The payment of $1,500 means the loss of $740. Thus, it is definitely worth the price, as long as your repair expenses don’t exceed the maximum cap or are even lower than the fixed $100 service fee. 

Choice Home Warranty Pros and Cons in 2026 

According to most home choice warranty reviews, there are several pros and cons associated with the CHW plans. Major advantages or pros, are 24/7 technical support, a 90-day workmanship guarantee, and no home inspection required. And disadvantages might include mixed technician response times, coverage exclusions, and the higher service fee compared to some competitors.  

Pros

• 24/7 claim support: So, clients can file a claim any time of the day and get the support when they truly need it. 

• 90-day workmanship guarantee: This includes 90 days on parts recently replaced and 60 days on labor when the initial repairs fail.  

• No home inspection required: So, as soon as you file a claim, a technician is sent without the additional hassle of inspecting the broken appliance or home conditions. This is different from the concept of home inspection cost. 

Cons

• Mixed technician response times: After the filing of the claim, it might take 48 hours or even longer for a technician to visit the site and initiate the fixes. 

• Coverage exclusions: The policy doesn’t offer any support regarding the pre-existing conditions or damage due to misuse, abuse, or lack of maintenance. Furthermore, choice home warranty prices and coverage costs for specific items such as roof leaks, well pumps, etc., aren’t more than $500.

• Higher service fee compared to some competitors: Particular competitors only charge $60-$75 as a service fee. 

Final Verdict: Who Should Buy Choice Home Warranty? 

If you are confused about whether you should choose choice home warranty plans or not, consider the following table. It will simplify your decision-making process, allowing you to make the best use of your money. 

Buy It If	Skip It If
Home systems or appliances are older than 5 years.	Your house is newly built.
You want predictable repair costs.	Appliances are already under the manufacturer’s warranty.
You plan to stay in the home for a long period of time.	You prefer pay-as-you-go repairs because you don’t have and use that many appliances.

Also Read: Construction Bidding: Learn Meaning, Stages, Elements, Types, and More!

Conclusion 

Hence, that is all about choice home warranty prices regarding basic and total plans. Now, let’s look at the key aspects for a quick recap. 

• The most popular is the total plan, which costs from $50 to $60 on a monthly basis and $600-$720 on a yearly basis. 

• This plan covers repairs and replacements of almost all the key systems and appliances in a residential space. 

• The major hidden cost associated here is only a $100 service fee that a client has to pay for each technician visiting to resolve a particular, distinct issue. 

• Such home warranties help save thousands of dollars. It is particularly true for homeowners with large residential spaces equipped with multiple appliances and systems. 

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