Purchasing a Home Protection Plan You Can Count On

After years of living in your home, necessary appliances and systems may begin to wear out over time. If your home features need improvement, you can get a head start on unforeseen damage or repairs before they happen. As a homeowner, staying ahead of costly repairs is essential, and a home protection plan ensures that you’ll be safe from pricey, unexpected repairs. Purchasing a home warranty will help you gain peace of mind as a homeowner when those pesky home repairs pop up at the most inopportune moments.

Choosing the right home services plan can be a hassle, but Choice Home Warranty makes this a simple, straightforward process. We will walk you through each step of the home warranty process, so you know exactly what you are purchasing, and all the benefits that come with it.

In this guide, we explain exactly what a home warranty is, how it can save you time and money and how to purchase a home protection plan with Choice Home Warranty. 

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?

A home warranty protects your property for a year, and prevents you from incurring high-cost repairs due to major home system replacements or malfunctions. Frequently used appliances tend to break down due to normal wear and tear, and a home protection plan offsets the cost of certain repairs or replacements.* Homeowners insurance differs from a home warranty by covering the cost of damages caused by disasters such as fires and flooding. A home protection plan takes it a step further by offering coverage for appliances that need repairing or improvements after years of use.

Home repairs can be quite costly, and without a home warranty, you could be paying hundreds or thousands of dollars for these services, such as:

  • Roofing: $5,000 to $12,000
  • Hot Water Heater: $550 to $1,150
  • Windows: $350 to $500
  • Heating and Air Conditioning: $5,210

Similar to an extended auto warranty, home warranties are designed to help protect the homeowner in unforeseen circumstances such as a major appliance or home utility breaking. As long as your appliances are in working condition before you purchase your home warranty, then repairs that are needed afterward should be covered with your home protection plan.*

Carefully review your home warranty, and make sure you understand what’s covered. This will ensure that all of your most valuable home possessions are protected, especially out-of-the-ordinary needs like your pool, septic system and that second refrigerator in your garage.

Why Purchase a Home Warranty?

If a refrigerator breaks or your garage door fails to work, you don’t want to get stuck pulling from your saving’s fund or paying out-of-pocket for hefty repairs or replacements. Here’s why a home warranty is worth it:

  • Get peace of mind—A home warranty offers protection for homeowners. Should a new appliance or system breakdown, you don’t have to worry about buying a replacement part or hiring a service professional to figure out the problem.
  • Increase your home value—If you’re selling your home, you can increase its value by purchasing a home warranty, so the buyer doesn’t have to. It also makes the buyer feel more comfortable knowing the systems and appliances are covered within the first year of their homeownership.
  • Save time on DIY projects—Not all homeowners have the time or money to spend on fixing a dishwasher. With a Choice Home Warranty plan, you don’t have to call numerous service professionals to fix one problem; you just have to submit one claim and let the provider take care of the rest.
  • Save on unexpected costs—Washing machines have an average life expectancy of 10 years, but what happens if your machine breaks after five? Washing machines cost anywhere from $250 to $2,050, and that doesn’t include cost of labor or installation. This is why home warranty plans often outweigh the cost of out-of-pocket replacements.

Why Should I Choose Choice Home Warranty?

Choice Home Warranty offers home protection plans that are comprehensive and reliable, as well as help you avoid the high costs of regular home maintenance repairs. We offer low-cost options for two home warranty plans. That way, you can have the security you need when it comes to unexpected financial crises that come with unforeseen home repairs.

What sets Choice Home Warranty apart from other home protection providers is the technology, speed and service that we use to interact with all of our policyholders and technicians.

Policyholders of Choice Home Warranty can report a claim over the phone anytime they have a an issue with a covered product. Homeowners with a protection plan won’t have to worry about surprising expenses, because they’ll only be charged a nominal service call fee once a technician performs the repair.

Our knowledgeable and friendly customer service representatives are available 24 hours a day, seven days a week, and will ensure your repair is performed quickly and on time. After filing a claim, one of our skilled technicians will come to your home and perform the covered repairs, or replace what can’t be fixed.*

Choice Home Warranty offers two different home protection plans — the Total Plan and the Basic Plan. These comprehensive plans increase the value of your home by establishing protection for your most important appliances. So whether you’re buying a new home or selling an old one, you and any future tenants are covered for repairs at all times.

When you opt for our Basic Plan, you’ll be entitled to service repairs for these systems and appliances:

Basic Plan

  • Heating System
  • Electrical System
  • Plumbing System
  • Plumbing Stoppage
  • Water Heater
  • Whirlpool Bathtub
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Built-In Microwave
  • Garbage Disposal
  • Ductwork
  • Garage Door Opener
  • Ceiling and Exhaust Fans
Some of the features that aren’t included in the Basic Plan are covered with the Total Plan, including:

Included in Total Plan

  • Air Conditioning System
  • Refrigerator
  • Clothes Washer
  • Clothes Dryer
You can also choose to add optional coverage such as:

Optional Coverage

  • Pool / Spa
  • Well Pump
  • Sump Pump
  • Central Vacuum
  • Limited Roof Leak
  • Septic System
  • Second Refrigerator
  • Stand Alone Freezer
  • Septic Tank Plumbing

Regardless of which plan you select, you can rest assure that any technician that comes to your home will not only diagnose and perform the repairs needed, but are pre-screened by Choice Home Warranty to ensure your home is in the best hands.

When you choose Choice Home Warranty, you’ll be working with friendly, knowledgeable home warranty specialists who are dedicated to providing the most comprehensive information about your home warranty policies, and appliance repairs covered under those policies. Our professionals want to make sure you can talk to a representative who knows about your property and your specific protection plan.

With other home warranty companies, you’ll typically be redirected to a large customer service department where you have to deal with representatives who are unfamiliar with your home and its needs. To get the quality service that you deserve, Choice Home Warranty will assign two or three team members to assist in your claim filing process, so you can have answers for all of your questions from informed and knowledgeable home warranty plan specialists.

To get the best price and customer service for your home protection plan, contact Choice Home Warranty and increase the value of your home today.

You can call (732) 907-4902 to speak with a representative about our plan options and what’s right for your home, or simply fill out the form to get a free quote.

Frequently Asked Questions

What Do Home Protection Plans Cost?

In general, home protection plans start at $500 per year. You will often find that home warranty companies offer special deals to new or renewing policyholders that can lower your yearly prices even more.

Choice Home Warranty offers competitive pricing, and as a thank you for your partnership with us, we’ll give you a month of free coverage when you sign up for an annual home warranty plan.

Who Pays for the Home Warranty?

Homeowners can purchase a home warranty at any time. In a real estate transaction, who pays for the home warranty depends on your locations patterns. Similar to some locations offering deals such as buyers paying closing costs for the buyers of their home, some sellers will offer a home warranty. Many home sellers will offer a home warranty as a “closing gift” because it is considered a benefit to the seller. Why would this be considered a benefit to the seller? Because the buyer will not be contacting the seller if something breaks after the purchase has been made.

Which Home Warranty Is Best?

Choosing between one of the two options Choice Home Warranty provides is up to your budget and your home’s needs. If you have brand-new appliances or appliances that still have their manufacturer’s warranty on them, then you may not need to cover that item under your home protection plan. On the other hand, maybe you’d like to have everything covered in your home with the Total Plan for the convenience of having a technician ready at a moment’s notice should something break and peace of mind. Keep in mind that you can also opt for the Basic Plan and add on additional covered items in your home.

How Do Home Protection Plans Work?

Home protection plans work by the purchaser paying a yearly fee for protection against everyday wear and tear on their home’s appliances. These appliances can include your heating and air conditioning units, your clothes washer, your freezer and refrigerator. Once a policyholder, if one of your covered home systems and/or appliances breaks or needs to be replaced, you simply call your home warranty company. They will assign a technician to come to your home to assess the damage and make repairs or order a replacement accordingly.*

Typically there will be a small fee for the claim to be reported. Keep in mind a claim can be denied for a variety of reasons that often include the appliance being damaged before the policy was purchased or the appliance being damaged due to negligence from the homeowner.

What Is Covered in a Home Buyer Warranty?

Depending on the policy you choose, your home warranty will include most of your home maintenance major systems or appliances such as your refrigerator, your electrical systems and even your air conditioning system and your roofing. You can also opt to add more coverage for home items such as your pool or a secondary refrigerator.

What Isn’t Covered in a Home Warranty?

Items not included in your home warranty are lawn items such as your irrigation system, piping repairs, permit fees, anything that was not originally listed in your policy and anything that was damaged or in need of repair before you purchased your policy.

Can You Buy a Home Warranty After Closing?

You can buy a home warranty any time as a homeowner. Once you purchase your home warranty with Choice Home Warranty, your coverage will go into effect 30 days later and will last for a full 365 days, unless you decide to renew your policy.

What Can Cause a Repair to Not Be Covered by a Home Protection Plan?

Sometimes a home protection plan provider will deny a claim. This can be due to a select few reasons. The biggest reason a claim will be denied is if the damage or replacement needed for your appliance is not due to everyday wear and tear or circumstances beyond your control. These issues include negligence to the appliance in question or if the appliance was damaged before you purchased your home warranty plan.

Keep in mind that if you disagree with a claim being denied, you can always opt to appeal it. The specialists at Choice Home Warranty want to work with you to provide the best coverage possible. If there are any holes made in the claim that has been filed, the specialists at Choice Home Warranty will work tirelessly to ensure that you are served the best outcome for your home warranty claim.

How Long Do Home Warranties Last?

Your home warranty coverage lasts one year, however, you can renew your protection plan year after year to guarantee that your home is protected continuously.

When Shopping for a Home Warranty Plan, What Should You Look For?

Not all home warranty plans are alike. When you’re shopping for a home protection plan, you’ll want to consider a few factors, including:

  • What is and isn’t covered—The best home warranty companies share their user agreements online, so you can better understand the coverage options, terms and conditions before purchasing.
  • If the plans are customizable—Not all plans can be customized. Many providers offer just two plans, an appliance plan and a services plan, but not the option to combine or add coverage.
  • The cost of coverage—Finding the right plan for your budget is important. Make sure you ask the provider’s customer service representatives what deals and discounts are available, if any, before purchasing.
  • If the provider has a network in your area—One of the many perks of purchasing a protection plan is access to a wide network of service professionals in your local area. With a service contract, you can skip the hassle of finding a contractor and simply make a claim online or by phone.

Call Choice Home Warranty Today for a Free Quote

Choice Home Warranty offers the best home warranty options available to homeowners, buyers and sellers alike. Our home warranty plans provide comprehensive coverage that helps you avoid the high cost that appliance repairs can have on your home maintenance budget. For a yearly policy and a small fee to contact our call center to file a home warranty claim, you can be on your way to a stress-free service to any of the appliances covered in your house warranty.

The team at Choice Home Warranty strives to provide you with efficient and easy to digest answers to any of your home warranty policy questions or concerns. We believe in the best in customer satisfaction. Our team of service technicians goes through an extensive screening process to ensure you’re getting the best service possible for your home appliances.

Choice Home Warranty is available to you 24 hours a day, seven days a week to answer any of your home warranty questions, to explain the customizable combo plan options, or to file a claim. Can your appliance not be repaired? Choice Home Warranty will gladly provide covered replacements for your home appliance for you to ensure your home’s daily routines are not interrupted.*

Contact Choice Home Warranty today for a free quote and get all the information you need on our comprehensive policy options.

When you are ready to make a decision on the home warranty policy you would like, get a free quote or call us at (732) 907-4902 to get peace of mind with the best home protection plan.


* 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.