What's Actually Covered by a Choice Home Warranty Plan? A Detailed Breakdown

When a major home system or appliance fails, the last thing you want is confusion about your home warranty coverage. Choice Home Warranty is a popular provider, but understanding the specifics of their plans is key to determining if they're right for you. At Consumer's Best, we believe in clarity. This guide provides a detailed breakdown of the choice-home-warranty-coverage-details, so you can see exactly what's protected before you make a decision.

Understanding Choice's Two Core Plans

Choice Home Warranty simplifies its offerings into two main plans: the Basic Plan and the Total Plan. Each is designed to cover critical home systems and appliances, but the Total Plan offers more comprehensive protection. Let's look at the specifics of each.

The Basic Plan: Essential Coverage

The Basic Plan is the entry-level option, designed to protect the most essential systems and appliances that are often expensive to repair. Coverage typically includes your heating system, electrical system, plumbing system, and water heater. In the kitchen, it covers the oven, range, stove, cooktop, dishwasher, and built-in microwave. It also extends to your garage door opener and ceiling fans. This plan provides a solid foundation of protection for many of a home's hardest-working components.

The Total Plan: Comprehensive Protection

For homeowners seeking more complete peace of mind, the Total Plan includes everything in the Basic Plan plus several major appliances that are frequently used and costly to fix. This elevated tier adds coverage for your air conditioning system, refrigerator, clothes washer, and clothes dryer. For most households, the Total Plan represents a more robust safety net, covering the full suite of major systems and appliances.

Important Exclusions and Optional Add-Ons

No home warranty covers everything. It's crucial to understand the choice-home-warranty-coverage-details regarding exclusions. Generally, policies do not cover issues known before coverage started, cosmetic defects, or damage from accidents or misuse. However, you can enhance your plan with optional add-on coverage for items like a pool, spa, well pump, septic system, or a second refrigerator. Always read the contract terms carefully to understand the limits and exclusions that apply.

Is a Choice Home Warranty Plan Right for You?

Choosing the right plan depends on the age and condition of your home's systems and your personal budget. The Basic Plan offers a strong value proposition for essential protection, while the Total Plan provides broader coverage for homeowners who want to minimize potential out-of-pocket repair costs. To see how Choice Home Warranty stacks up against competitors and to find the best fit for your home, explore our comprehensive reviews and comparisons at Consumer's Best.