What Is a Home Warranty?

Unlike homeowners insurance, a home warranty is a service contract that covers repairs or replacements for home systems or appliances that are damaged from everyday wear and tear. If your dishwasher breaks or your hot water heater stops working, a home warranty can save you money on repairs — and a lot of hassle.

“If you have too much going on to proactively manage your home, [buying a home warranty plan is] a good idea,” says HomeTipsForWomen.com’s home improvement expert, Tina Gleisner. “With a warranty plan, you get a single contract for repairs, so you don’t have to make a lot of calls. You won’t need to spend a lot of time online researching for a good repair company, either.”

Choice Home Warranty offers customizable plans and service contracts to fit any home’s need and any homeowner’s budget.

Call (732) 907-4902 or fill out this form for a free quote and more information.

We will answer all of your questions, including:

  • What should I look for in a home warranty?
  • How do protection plans work?
  • What is the benefit of a home warranty plan? Is it worth it?
  • Who needs a home warranty plan?
  • How much do the plans cost?

What Do Home Warranties Cover?

All service providers and contracts are different. The average home warranty costs $300 to $600 per year. The key is to make sure you’re getting the home warranty coverage you need for you and your family.

Here are the home systems and appliances that are covered under Choice Home Warranty plans:

Home Warranties Cover:


Dishwashers, refrigerators, garbage disposals, built-in microwaves, washing machines and dryers


Heat, electric, central air conditioning, ductwork, central vacuums and exhaust fans

Plumbing Systems

Stoppages, water heaters, toilet tanks, circulation and sump pumps

Once you know what you want in a warranty company, make sure you know what they cover and how their process works.

How Do Home Warranty Plans Work?

Similar to an extended car warranty, home warranties provide coverage on systems and appliances should they fail or break due to everyday wear and tear. This means the item should be damaged as a result of normal aging and use. Home systems won’t last forever, and unfortunately, you can’t predict when they will stop working. You can purchase warranty plans so that you won’t have to pay the full cost of a repair or replacement on covered items.***

With Choice Home Warranty, you can apply for a warranty plan and get coverage within 30 days of the acceptance and receipt of payment. As soon as you have your plan, you get access to the Choice Home Warranty online account center. Our home warranties last for a year but can be renewed.

When you need a repair, all you have to do to initiate a service request is sign into your account or call our customer service representatives and submit a claim. Once the claim is reviewed, we will send a service technician in your area to visit your home and assess the problem. You can have the covered item repaired or replaced depending on the service technician’s recommendation.***

At Choice Home Warranty, our customer service is available around the clock — 24 hours a day, seven days a week. That’s because we know that appliances and systems can break at any time of the day and understand the inconvenience they can cause. Our team is determined to get your item fixed and back in use as quickly as we can.**

What to Look For in a Home Warranty Plan

Choosing a home warranty company — and a protection plan — can be overwhelming, but Choice Home Warranty makes it easy. Here are the top factors to consider and questions to ask when you’re choosing a service plan:

Questions to Ask


What appliances and systems do you want covered? Does the home warranty company cover all of this? Can you customize your plan?

Service Charges

What’s the service charge? Every company charges you a fee for calling a professional to your home, but some are higher than others.


How quickly does the company respond to claims? Can you get a professional to your home quickly?


Is customer service available every day? You never know when a system might break. Having 24/7 access to customer service representatives is important.


Can you view the contract terms online? If a company is hesitant to show you their terms up front, chances are they’re hiding something. You want to make sure your provider is forthcoming with the terms of the service contract.

Who Can Benefit From a Home Warranty Plan?

You should consider buying a home protection plan from Choice Home Warranty if you are one of the following:


Think about the last time your refrigerator broke. You may have had to replace your groceries, find a repairman and pay for the repair on your own. To avoid these inconveniences and their costs, consider buying a home warranty plan for your property. That way, you don’t have to pay out-of-pocket for home system repairs or last-minute replacement appliances.***

Real Estate Professional

Offering a home warranty as part of a real estate transaction makes the agent — and the homes they offer — more attractive to buyers. An agent can purchase a plan for their listing and may receive a free listing from their home warranty provider.

Home Buyer

If you’ve just closed on your new home, you will likely receive discounts from home warranty companies with an incentive for a plan. Even if you perform regular upkeep and maintenance (which we highly recommend), you still don’t know when something will stop working — and you don’t want to get stuck paying for repairs within the first few months of moving in.

If you buy an older home, chances are you’re also acquiring older appliances and systems. Even if everything passes a home inspection, you can’t predict how much longer your appliances and home systems will last.

Home Seller

Whether it’s included in the deal or offered to a buyer during closing costs, a home warranty plan is a great addition to your house listing. A service contract from Choice Home Warranty can incentivize buyers to purchase your property. It also saves you the headache of dealing with angry buyers if an appliance breaks during their first few months in the home.

Still not convinced you need a home warranty? A study by the Service Contract Industry Council found that properties that come with a home warranty sell faster (and for more money) than homes without a warranty. You can find out here if Choice Home Warranty is available in your state, then call (732) 907-4902 or fill out the form for a free quote.

Is Home Warranty Worth It?

Before your refrigerator stops working or your roof starts leaking, you’ll want to consider a protection plan. The best home warranty coverage includes major systems and appliances and come with many benefits, including:

  • Peace of mind—As a homeowner, feel confident knowing your home and budget are protected. Home warranty plans can be purchased at any time, months or even years after purchase.
  • Increased home value—Most home warranties are transferable and offer an added incentive to attract home buyers.
  • Long-term savings—Setting aside money for home maintenance is always a good idea, but what happens when your water heater breaks or your dishwasher stops working? Home warranty protects against these unexpected costs.
  • Hassle-free customer service—Finding a good contractor can be stressful, especially if you’ve just moved to a new city and don’t have any recommendations. With home warranty, you don’t have to worry. You simply have to make a service request and your home warranty provider will do the rest. 

Saving on Home Repair Costs

Considering the high cost of repairing or replacing a refrigerator, dishwasher or hot water heater, the average annual cost of a home warranty is affordable. You could end up losing thousands of dollars without a warranty.

Here are some average repair costs from HomeAdvisor if you don’t have a home warranty plan:

Repair or Service Average Cost
Repairing a water heater $569
Repairing a swimming pool heater $424
Repairing an air conditioner unit $356 on average
Repairing a furnace $287
Repairing a central vacuum $274
Cleaning ducts and vents $366
Hiring an electrician $318
Hiring a handyman $391

Replacement costs are even more expensive than a repair. One of the many benefits of a plan from Choice Home Warranty is saving on these costs on your covered items. Our plans start at about $1 per day. If you don’t have a warranty provider, you will be paying the full costs of repairs and replacements yourself.***

Unlike other home warranty plans, Choice Home Warranty charges an affordable, nominal service fee and takes care of finding a technician for you, which is more convenient than hiring someone on your own. When you have a Choice Home Warranty plan, you have access to a network of trusted, licensed and insured professionals.

Choice Home Warranty Is the Best Home Warranty

Now that you are ready to buy a home warranty plan, it’s important to know the many reasons to go with Choice Home Warranty. We are considered one of the best home warranty companies by ReviewHomeWarranties.com. In addition, Choice Home Warranty offers the following benefits.

Choice Home Warranty Benefits

  • 24/7 customer support
  • Over 10 years of industry experience
  • Automatic policy renewal
  • Emergency service availability
  • Professional, experienced service technicians
  • Personable, dedicated team
  • Up-to-date technology
  • High-quality service with affordable pricing*
  • Plans starting at about $1 per day

As one of the best home warranty companies in the United States, Choice Home Warranty has great customer service, a network of high-quality and professional experts, and customizable plans. Make sure to view Choice Home Warranty reviews from happy customers.

“My claim was handled very well. Great company to have a home warranty with.” — Madonna, August 20, 2018

“My last experience with Choice Home Warranty was very helpful. The service tech that came out for our air unit was polite, knowledgeable and considerate. Thanks again, Choice Home Warranty.” — Melanie, August 18, 2018


Timing and workmanship are very excellent. — Rajan, August 19, 2018”

Choice Home Warranty Plan Options

Ready to purchase a warranty protection plan? At Choice Home Warranty, you get three options for coverage. Choose the best protection plan for your home and modify it as needed.

Basic Plan

This covers every home system from your heating system to your plumbing system. It even covers water heaters. For the kitchen, appliances like a dishwasher, built-in microwave, cooktop, stove, range and oven are included. It also covers the garbage disposal, garage door opener, ductwork, whirlpool bathtubs and ceiling and exhaust fans.

Total Plan

This includes all of the Basic Plan coverage and additional systems like air conditioning. Larger appliances like the refrigerator, washer and dryer are also included.

Optional Coverage

If you want more protection in your plan, this add-on option covers everything listed above, as well as pool and spa equipment, central vacuum systems, second refrigerators, sump pumps, roof leaks and more. Not all companies provide customizable coverage options, but that’s what makes Choice Home Warranty the best option for homeowners.

Get a Free Quote

With Choice Home Warranty protection plans, you can tailor your warranty to include the system or appliances that matter to you most.

For answers to all your questions and a free quote, call one of our representatives at (732) 907-4902 or fill out the form.


* There are also specific limitations of coverage for each appliance and system. 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.