The Cost of Choice Home Warranty: What You'll Really Pay
By Ben Carter
The Cost of Choice Home Warranty: What You'll Really Pay
When your air conditioner gives out during a heatwave or your refrigerator suddenly stops cooling, a home warranty can feel like a lifesaver. Choice Home Warranty is one of the most recognized names in the industry, but what does it actually cost? The advertised monthly fee is only one piece of the puzzle. At Consumer's Best, we believe in full transparency, so we're breaking down the complete cost of Choice Home Warranty to help you understand exactly what you can expect to pay for peace of mind.
Understanding the Monthly Plan Costs
The foundation of the cost of Choice Home Warranty is the monthly premium. The company typically offers two primary plans: the Basic Plan and the Total Plan. The Basic Plan covers essential systems and appliances like your heating, plumbing, electrical, oven, and dishwasher. The Total Plan includes everything in the Basic Plan plus coverage for your air conditioning system, refrigerator, washer, and dryer. Monthly costs generally range from $45 to $60, depending on the plan you select, any optional add-ons, and your location. This predictable fee is what keeps your coverage active, but it's not the only expense to consider.
Don't Forget the Service Call Fee
Every time you need to use your warranty for a covered repair, you'll pay a service call fee, also known as a trade service fee or deductible. This is a flat rate paid directly to the technician who comes to your home to diagnose the issue. For Choice Home Warranty, this fee is typically around $85 to $100 per claim. It’s crucial to factor this into your budget, as you pay it for each separate service request. If you have multiple unrelated issues in a year, you'll pay this fee each time, which significantly impacts the overall annual cost of your home warranty protection.
So, What's the Real Cost of Choice Home Warranty?
To calculate the true cost, you must combine the annual premium with any service call fees you anticipate paying. For example, a Total Plan at $55 per month costs $660 annually. If you file two claims in that year with an $85 service fee, your total expenditure becomes $830 ($660 + $85 + $85). It's also vital to read your contract to understand coverage limits and exclusions, as certain complex repairs or non-essential parts may not be covered, leading to additional out-of-pocket expenses. Understanding these components is key to determining if the cost of Choice Home Warranty aligns with your financial planning and home protection needs. For a complete analysis of plan specifics and our expert rating, find the in-depth Choice Home Warranty review on the Consumer's Best website.
