Compare Home Warranty Options in Ohio
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Plans, Pricing & What's Covered
Choice Home Warranty keeps things simple with just two core plans. The Basic Plan focuses on essential home systems, while the Total Plan layers in major appliances. Both plans come with a $100 service call fee per claim and a 30-day waiting period before coverage kicks in.
| Feature | Basic Plan | Total Plan |
|---|---|---|
| Monthly Cost | ~$46–$50 | ~$55–$58 |
| Annual Cost | ~$560–$600 | ~$660–$684 |
| Service Call Fee | $100 | $100 |
| Heating System | ✅ | ✅ |
| Plumbing | ✅ | ✅ |
| Electrical | ✅ | ✅ |
| Water Heater | ✅ | ✅ |
| Air Conditioning | ❌ | ✅ |
| Refrigerator | ❌ | ✅ |
| Washer & Dryer | ❌ | ✅ |
| Dishwasher | ❌ | ✅ |
| Coverage Cap per Item | $3,000 | $3,000 |
Coverage is available in 49 states (all except Washington). Optional add-ons are available for an extra monthly fee and include:
- Pool/Spa: ~$15/month
- Well Pump: ~$8.33/month (up to $500)
- Septic System: ~$10/month (up to $500)
- Roof Leak Protection: ~$5.83/month (up to $500)
- Sprinkler System: ~$8.33/month (up to $500)
How Does Choice Home Warranty Work?
When a covered item breaks down, you file a claim 24/7 either through the online account center or by phone. Here's what the process looks like step by step:
- File your claim — Online or via phone as soon as the malfunction is discovered.
- Contractor assignment — Choice contacts a service provider within 4 hours of your claim, though the provider may take up to 48 hours to accept the job.
- Appointment scheduled — Once a technician accepts, they schedule a visit. You pay the $100 service fee directly to the technician.
- Repair or replacement decision — Choice determines whether the item will be repaired or replaced. If a replacement is needed, they may offer a cash equivalent based on their wholesale cost — not retail value — which excludes taxes, shipping, and installation.
- Workmanship guarantee — Repairs come with a 30-day guarantee on workmanship (90 days on parts, 60 days on labor in some cases).
Common exclusions to know:
- Pre-existing conditions (known or unknown)
- Damage from misuse, abuse, or improper maintenance
- Commercial-grade equipment
- Garage door tracks (the door itself is covered under Total)
- Indirect or consequential damages
If you want to understand the full universe of exclusions across the industry, see our guide on home warranty companies to avoid and the red flags that signal a bad provider.
Is Choice Home Warranty Legit? BBB Rating, Complaints & Scam Concerns
This is the question most consumers ask — and the answer is nuanced: Choice Home Warranty is a real, operating company, but it carries a notable track record of complaints and legal scrutiny that every buyer should know about before signing up.
BBB Rating & Customer Review Scores
Choice Home Warranty is not BBB-accredited and has received a high volume of complaints through the BBB platform. Despite this, the company holds a 3.7/5 on Trustpilot (from over 34,000 reviews) and a 4.1/5 on ConsumerAffairs, suggesting that satisfied customers do exist — particularly those who appreciate its affordability and no-inspection-required enrollment.
| Review Platform | Score | Notes |
|---|---|---|
| Trustpilot | 3.7 / 5 | 60% rated "Excellent" |
| ConsumerAffairs | 4.1 / 5 | Mixed; many claim complaints |
| BBB | Not Accredited | High complaint volume |
| NerdWallet | 3.5 / 5 | Noted for affordability |
Most Common Complaints
Based on BBB filings and consumer review platforms through early 2026, the most frequently reported issues include:
The Arizona Lawsuit — A Major Red Flag
In October 2019, the Arizona Attorney General filed a consumer fraud lawsuit against Choice Home Warranty, alleging the company collected millions in premiums from Arizona customers without delivering promised services. As of early 2026, this case remains ongoing. While this doesn't make Choice a "scam" outright, it reinforces the importance of reading the fine print before committing.
For a broader look at how to spot bad actors in this industry, our guide on home warranty red flags is a must-read.
Choice Home Warranty vs. American Home Shield (and Other Competitors)
How does Choice stack up against the competition? Here's a head-to-head breakdown with American Home Shield (AHS), widely considered the industry leader.
Key takeaways from the comparison:
- Coverage limits: AHS offers $4,000–$5,000+ per item, with uncapped electrical and plumbing in some plans. Choice caps at $3,000.
- Pre-existing conditions: AHS covers known and unknown pre-existing issues on some plans. Choice does not.
- Workmanship guarantee: Choice wins here — 90 days on parts vs. AHS's 30-day industry-standard guarantee.
- Pricing: Both are in a similar range, though Choice tends to be slightly more predictable. AHS service fees range from $75–$125 vs. Choice's flat $100.
- Plan flexibility: AHS offers 4 plan tiers including a build-your-own option with coverage for up to 14 systems. Choice sticks to 2 plans.
You can also compare Choice against First American Home Warranty, another established competitor with a B+ BBB rating and coverage that rivals both companies.
Who should choose Choice Home Warranty?
- Budget-conscious homeowners with newer systems and appliances
- Buyers who want simple plan options without overthinking tiers
- Homeowners who don't have pre-existing system issues
Who should skip it?
- Owners of older homes with aging HVAC, plumbing, or electrical systems
- Anyone who needs pre-existing condition coverage
- Homeowners in Washington state (not available)
Frequently Asked Questions
Is Choice Home Warranty a legitimate company?
Yes, Choice Home Warranty is a legitimate company that has been operating since 2008. However, it is not BBB-accredited and has faced a significant volume of consumer complaints related to claim denials and service delays. It also faces an ongoing consumer fraud lawsuit filed by the Arizona Attorney General in 2019. While it's not a scam, buyers should read the contract carefully before enrolling.
What does Choice Home Warranty not cover?
Choice Home Warranty does not cover pre-existing conditions (known or unknown), damage caused by misuse, abuse, or improper maintenance, commercial-grade equipment, or components like garage door tracks. Consequential and indirect damages are also excluded. Optional items like pools, well pumps, and roof leaks are only covered if you purchase the relevant add-on.
How much does Choice Home Warranty cost per month?
Choice Home Warranty's Basic Plan runs approximately $46–$50 per month, while the Total Plan costs approximately $55–$58 per month, depending on your location. Both plans require a $100 service call fee each time a technician visits. Paying annually may offer modest savings over paying month-to-month.
How long does it take for Choice Home Warranty to send a technician?
After you file a claim, Choice aims to contact a service provider within 4 hours. However, the assigned technician may take up to 48 hours to accept the job, and actual appointment scheduling can add further time — particularly in high-demand periods. Many BBB complaints cite extended delays ranging from days to weeks for complex repairs like HVAC.
How does Choice Home Warranty compare to American Home Shield?
Choice Home Warranty is generally more affordable and offers a longer workmanship guarantee (90 days on parts), but American Home Shield provides higher coverage limits ($4,000–$5,000+ per item), covers pre-existing conditions, and offers more plan flexibility. AHS is the better choice for older homes or complex systems, while Choice suits budget-focused homeowners with newer equipment. You can also compare both against First American Home Warranty for a third option.