Shopping for a home warranty is easier with a checklist. You are not buying a product you can hold in your hand. You are buying a service contract that may cover the repair or replacement of certain home systems and appliances when they break down. The details are in the plan, and the plan is where you should start.
This checklist walks through what a home warranty may cover, how a claim works, and the questions to ask before you choose. Use it to compare plans on what matters, not on the headline alone.
The systems checklist
A home warranty plan may cover the repair or replacement of certain home systems. The four big ones are heating, cooling, plumbing, and electrical. These are the systems that keep a house livable, and they are also the ones that cost the most when they fail.
Heating means your furnace and the parts that make it run. Cooling means your air conditioner. Plumbing means the pipes, drains, and fixtures that move water through your home. Electrical means the wiring, panels, and outlets that power it. A plan may cover some or all of these, depending on the plan you choose.
It helps to go through your own home system by system before you compare plans. If your furnace is twenty years old, heating coverage matters more to you than it does to someone with a new furnace. If your plumbing is old, plumbing coverage moves up the list. Match the plan to your home, not to a generic list.
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It takes under a minute and asks two quick questions, and right now it comes with $50 off and your first month free. See what a plan may cover for your home.
The appliances checklist
A home warranty plan may also cover major appliances. The usual list is your fridge, washer, dryer, oven, and dishwasher. These are the appliances you use every day, and a failure in any one of them is disruptive in a way a broken gadget is not.
A fridge that dies means a grocery run lost and food spoiled. A washer that floods means water on the floor and laundry piling up. An oven that quits means no home cooking until it is fixed. The cost of the repair is only part of it. The disruption is the rest.
The service behind the plan
A warranty is only as good as the service that shows up when you call. When a covered system or appliance breaks down, you file a claim and get connected with a local technician. Choice Home Warranty works with more than 15,000 pre-screened local technicians across the country, and the company has handled more than 3 million claims. Service is available around the clock, so you can file a claim at any hour.
The technician comes out, diagnoses the problem, and repairs or replaces the item if it is covered under your plan. You pay the service fee set out in your plan, and the plan covers the rest of the covered repair or replacement, up to the limits in your plan.
CHECK YOUR QUOTE IN UNDER A MINUTE
Two quick questions, no personal info needed on the check page, plus $50 off and your first month free. See what a home warranty may cover for you.
What to check before you choose
Start with the coverage list, system by system and appliance by appliance. Make sure the plan covers the items you care about most, and check the limits on each one. Then look at the service fee, which is what you pay each time you file a claim. A low cost with a high service fee can cost you more over a year than a slightly higher cost with a lower fee, especially if you file more than one claim.
Then confirm the basics. A home warranty is a service contract, not a manufacturer warranty. It covers repairs and replacements under the terms of the contract, not under a factory guarantee. And the Choice Home Warranty offer is available in the United States only, excluding Hawaii, Alaska, and Washington.
Finally, weigh the company behind the plan. More than 15,000 pre-screened local technicians and more than 3 million claims handled is a track record worth weighing, but your own read of the plan terms is what should decide it.
The quote and the offer
Getting a quote takes under a minute. It asks two quick questions, and it does not ask for personal info on the check page. You can see what a plan may cover for your home before you commit to anything.
The current offer is $50 off plus your first month free with the purchase of a single-payment plan. That lowers what you pay to get started, which is the part of a warranty that most people put off. If you have been thinking about coverage and waiting for a good time to look, this is a straightforward way to see the numbers for your own home.
SEE WHAT YOUR PLAN COVERS — $50 OFF + FIRST MONTH FREE
$50 off and your first month free with the purchase of a single-payment plan. Two quick questions, under a minute, no personal info on the check page.
Quick recap
Systems to check: heating, cooling, plumbing, electrical. Appliances to check: fridge, washer, dryer, oven, dishwasher. For each one, confirm it is covered, read the limit, and read the exclusions. Check the service fee, confirm the plan is a service contract and not a manufacturer warranty, and confirm your state is covered.
GET $50 OFF + FIRST MONTH FREE — SEE WHAT A PLAN MAY COVER
Two quick questions, under a minute, and $50 off plus your first month free with the purchase of a single-payment plan.
