Best Home Warranty Plans: What You Need to Know

If it’s mid-winter and your heater breaks, what do you do? You immediately research “broken heater,” then you call a technician, try and evaluate the costs and likely end up paying more than you wanted for the repair service and/or the replacement because you need a working heater. To protect yourself from this stress and the unexpected costs associated with broken systems, you might want to consider a home protection plan.

Eric Trautmann from Keller Williams Realty says“I think [a home warranty plan] is extremely important and worth its price. Most first-time buyers are pretty close budget wise, so if the appliances or furnaces [fail] they are stuck without it. It is a must to me.”

Home warranties are often purchased by sellers so new buyers can call a home warranty company in their first year should a covered appliance or system break or stop working properly. If new homeowners are taking advantage of the benefits, why aren’t the rest of us?

Learn all about the best home warranty plans, what they cover, how much they cost and what you can expect from Choice Home Warranty* — a home warranty provider that promises prompt**, effective service for problems with your home appliances and systems that are covered under our plans.

Our plans offer protection not just for your home, but for your budget and time. When you’re ready to get your free quote from Choice Home Warranty, fill out the form or call (732) 907-4902.

What Is a Home Warranty Plan?

Not all home warranty plans are created equally. Each one comes with a different price, coverage and team of experts. Unlike a home insurance policy, a home protection warranty is a service contract. Home warranties cover what home insurance plans don’t: repairs or replacements for home appliances and home systems.*

As a homeowner, you are responsible for any costs associated with a new hot water heater or broken AC. If you’ve rented for years, you might be shocked by how often you’ll need to call a repair company to fix something. Instead of calling and comparing technicians or bothering your friends for names, you can sign up for a home protection warranty — and you’ll gain an immediate peace of mind.

It’s important for homeowners to know that home warranties do not cover everything. They reserve repairs and replacements for covered items or systems that have stopped working or are broken from everyday wear and tear, which does include HVAC systems. If you don’t properly maintain your appliances (or if they were broken before you moved in), however, then a home warranty company will not approve your claim.

What Are the Best Home Warranty Plans?

Finding the best home warranty plan isn’t easy. Just like you do when buying a used car warranty, home security system or other important purchase, you have to read through reviews, compare services, figure out what each plan covers and decide what you’re willing to pay. Once you choose a plan, though, you’ll be satisfied knowing you’re covered and protected from unexpected expenses. With Choice Home Warranty, you get optional coverage for additional appliances and systems, which we explain below.

What Are the Benefits of Purchasing a Home Protection Warranty?

Maybe you’ve bought a new home and a home warranty plan is included. If not, here are some reasons why you should consider one:

Peace of mind

The biggest reason to buy a home warranty is to get the peace of mind you desire, especially as a new buyer. You’ve already invested in a new home (and have likely taken on a new mortgage), so you don’t want to get stuck paying for a major home repair. This is why sellers often purchase home warranties as part of their closing costs: to give buyers that peace of mind.


You never know when something might break and if you move into an older home (with old appliances), you’re risking a lot of money by not signing up for a home warranty plan. If you have a refrigerator and an AC unit break within the same year, you’ll likely pull way more from your savings than you’d like (or you’ll have to go without a fridge and AC until you can afford it). A home warranty plan can protect you from unexpected financial burdens and save you money.

Coverage at Any Time

It doesn’t matter if you’ve just purchased a home and acquired older appliances or if you’ve been living in your home for 10 years. As long as you’ve maintained your systems and appliances, you can get home warranty coverage at any time.

Pre-Screened Technicians

You’ve moved to a new city or you’ve just bought a new home and you don’t know any plumbers, electricians or certified technicians in the area. What do you do? You could ask around or you could pay a one-time home warranty fee and get access to local pre-screened technicians.

With Choice Home Warranty, you can take advantage of all of these benefits. Save money and headaches and get a great value on high-quality service by filling out the form or calling (732) 907-4902 for a free quote today.

What to Look For in Home Warranty Plans

You don’t want to choose the wrong home warranty company, but how do you know which one is best? Here’s what the best home warranty companies should offer:

  • Visible terms—You should be able to view the plan online and see what’s fully covered (and what’s not). If you can’t view the terms, you shouldn’t sign up for the home warranty coverage. You can view the Choice Home Warranty user agreement here.
  • Generous coverage—When reading the plan, see what coverage the home warranty company offers. If you have certain needs, you want to make sure they’re met. If you pick the right home warranty company, you should be able to add on coverage for items not covered by a standard plan.
  • Reliability—You can’t control when something breaks, so the provider you choose should offer 24/7 access to a customer service representative so you can submit a claim on your own schedule.
  • Reasonable service fee—Home warranty providers charge a service fee every time you make a claim, but the best home warranty companies offer a reasonable fee. For Choice Home Warranty, it’s a set, nominal fee, unlike other companies, which vary the fee depending on the plan.
  • Expert Technicians—Going through a home warranty company means you’ll get access to plumbers, technicians and electricians. Make sure you’re working with a company that provides access to pre-screened technicians to ensure high-quality service.

Who Should Buy a Home Protection Warranty?

If you’re selling a house, you can buy a home warranty for potential buyers. The coverage varies, depending on where you live, but there are many perks to buying a basic coverage plan for buyers: you don’t have to worry about them calling you if anything breaks or stops working in the months following the purchase. You also give them incentive to invest in the home.

If you’re a buyer, you can buy a home protection warranty plan any time, even after closing on your new (or old) house. Just know, if there are pre-existing conditions, including in your purchase, those will not be covered under your warranty plan. Once you buy a home warranty, you can continue to renew your plan, year after year, if the company allows it. Choice Home Warranty allows renewal and will notify you of your previous rate and terms.

It’s up to you to decide the best home warranty for you and your home, but if you’re inheriting old appliances, chances are you’ll have to replace them sooner rather than later — and if you’re investing in your home, you should consider investing in this annual fee. Likely, it would save your budget in the long run.

What’s Covered Under Home Warranties?

Home warranties vary widely, depending on the provider and the coverage options. Some home warranty companies offer just two plans, an appliances plan and a systems plan.

When buying a home warranty, you want to look for a plan that covers your major systems and appliances. Not all home warranty companies offer a combo plan, which combines both systems and appliances, but Choice Home Warranty does.

We offer two plans, both of which cover appliances and systems. You also get the option of including add-on coverage for a pool, septic tank, stand alone freezer, and more.

Ask These Questions When Shopping for Home Warranties

Before purchasing a one-year warranty plan, consider what coverage and benefits you want. Do you want basic appliances coverage? Do you want a combo plan? Do you want the option of transferring your plan at a later time? Here are some questions to ask, when you’re on the phone with a home warranty provider’s customer service representative:

  • What do you cover? Make a list of the major items you want covered. These might include your refrigerator, HVAC system, septic tank and more. Ask about these specific items, and make sure you can get all of them covered under one plan.
  • Is a home inspection required? Some companies require home inspections before they agree to cover your systems or appliances. Choice Home Warranty does not.
  • Are your plans transferable? If you end up selling or buying a home, you want to make sure you can transfer the warranty plan to a new homeowner.
  • How do I make a claim? Make sure the provider offers 24/7 customer service. You never know when your heater will break or your dishwasher will stop working. The best providers allow you to make a claim, at any time, online or by phone.
  • How much does a home warranty cost? Most providers will give you a free quote by phone. Once you learn the warranty fee, ask if there are different payment options.

The best warranty companies will be honest about their coverage polices and will gladly go through all of your questions with you. Choice Home Warranty, in particular, prioritizes customer satisfaction and wants to ensure that you get the best plan for your needs.

Choice Home Warranty Offers Specialized Home Warranty Plans

Here’s what you can get, if you choose a home protection warranty through Choice Home Warranty:*

Basic Plan

With this plan, you get coverage on everything from your heating system and electrical system to your oven, ductwork and plumbing system. What isn’t covered here: air conditioning system, refrigerator, clothes washer, clothes dryer.

Total Plan

If you sign up for this plan, you get everything on the Basic Plan, as well as the air conditioning system, refrigerator, and more.

Optional Coverage

Not everything is covered in the plans, which is why Choice Home Warranty offers additional coverage options. Want to cover your pool, stand alone freezer, central vacuum, septic system or sump pump? Most providers don’t cover these items, but Choice Home Warranty does. The best home warranty plans offer additional coverage, so you don’t end up paying for something you couldn’t get covered.

Reviews of Choice Home Warranty Plans

Choice Home Warranty has been recognized as one of America’s Fastest Growing Private Companies by Inc. 5000. Just know, we’re not an insurance company. We’re a service provider, and we want to provide our customers with a high-quality service. Here are some recent reviews from Choice Home Warranty customers:

From Jay: “I had an issue with my AC, and I was assigned to the Technician within Hours. Set up my appointment with the Technician for the next day and the issue with my AC is resolved. My experience with Choice Home Warranty is excellent so far.”

From Madeline: “I have found that my problem is handled quickly and the technicians are always courteous and competent.”

From Bryan: “Our A/C unit went out and quit working. We called in the afternoon to CHW, and by the next morning our A/C was up and running again. Extremely fast service is great but the quality of the service was spectacular. Best decision we made choosing CHW.”

Get the Best Home Warranty with Choice Home Warranty

If you’re a landlord, realtor or homeowner looking to purchase a home protection warranty, Choice Home Warranty is a great option. Upon signing up for a single payment plan, you can get your first month free, no matter your plan.

Best of all, Choice Home Warranty plans offer comprehensive protection against the high cost of repairing or replacing properly maintained, covered major systems and appliances.* With our customer service center, you get 24/7 access to highly trained customer service representatives who can assist with claims.

Call (732) 907-4902 or fill out the form to get a free quote or to learn about the best home warranty plans available.

States Covered by Choice Home Warranty Plans:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • District of Columbia
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming

* Click Here to view complete limits of liability and any exclusions. CHW offers service contracts which are not warranties. ** See policy for specifics on response times. *** CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW’s actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. **** In the event a claim is denied, and a customer seeks to have Us review that denial, We have the right to request routine maintenance records in reviewing its decision.