Choice Home Warranty is a home warranty company that helps homeowners cover the cost of unexpected repairs to major home systems and appliances. The company generates a specific set of recurring questions from homeowners comparing options: who actually owns it, what a plan covers, how reliable it is, and what happens if a homeowner wants out of a contract. Each question has a documented answer.
The home warranty industry itself has grown alongside those questions. U.S. home warranty providers generated $4.6 billion in revenue in 2025, according to IBISWorld, up 1.8% from the prior year and part of a 3.9% compound annual growth rate since 2020, as more homeowners weigh a flat annual cost against the price of individual repairs on aging home systems. Choice Home Warranty, founded in 2008 with a mission to make home ownership simple and affordable, is one of the larger companies operating in that space.
Who Owns Choice Home Warranty?
Choice Home Warranty operates under Rely Home, Inc., the parent company that also owns Home Warranty of America, The Home Service Club, and Lineguard Solutions. Rely Home describes itself as one of the fastest-growing home warranty providers in the U.S., selling policies through both direct-to-consumer and real estate channels.
In June 2026, Rely Home named Mandy Dowson as its Chief Operating Officer, a move the company tied to its next phase of growth. Dowson spent more than two decades in senior operating roles before joining Rely Home, including CEO, President, and COO of Jenny Craig, where she oversaw more than $325 million in global revenue across four countries, and COO of Continental Battery Systems, a $1 billion business with more than 200 branch locations and 1,000 employees.
Her new role centers on claims handling, contractor coordination, and service delivery across Rely Home’s brands, according to the company’s announcement. CEO Jim Mostofi tied the hire to the company’s underlying goal:
“Mandy is a proven operator with a strong track record of guiding sizable organizations through strategic transformation while building high-performing teams. She brings a hands-on approach to driving superior customer experience and improving workflows, which will be instrumental as we continue expanding Rely Home on our mission to make home ownership simple and affordable.” — Jim Mostofi, Chief Executive Officer, Rely Home
What Does a Choice Home Warranty Plan Cover?
CHW leads the industry by distributing coverage plans directly to consumer through two primary plan options — Basic and Total. Both plans cover core home systems, including heating, electrical, and plumbing, against breakdowns from normal wear and tear. The Total Plan adds coverage for air conditioning, clothes washers and dryers, and refrigerators on top of the systems included in the Basic Plan.
When a covered system or appliance fails, homeowners file a claim with a simple click or call, and the company routes the request through its highly automated platform, which matches the claim to a technician in its contractor network. That claims-to-technician matching runs through automated dispatch software rather than a manual call queue.
Coverage is subject to the specific terms, exclusions, and dollar limits laid out in each plan’s contract. Terms and conditions apply. Click Here to view complete limits of liability and any exclusions.
Does Choice Home Warranty Have a Good Reputation?
Choice Home Warranty has earned more than 100,000 five-star reviews across platforms including BestCompany, ConsumerAffairs, and Trustpilot. In 2026, the company was named to USA Today’s Most Trusted Brands list, a ranking built from a survey of more than 23,000 U.S. consumers and an analysis of over 760,000 brand reviews.
The ranking measured brands across five dimensions:
- Trust and transparency
- Reliability
- Emotional connection
- Alignment with personal values
- Likelihood to purchase
The process started with more than 20,000 brands that advertised nationally on television, narrowed that pool to roughly 4,800 for in-depth consumer evaluation, and recognized the 500 highest-scoring brands as the final list. Brands were also screened through media monitoring for legal, ethical, or reputational issues, with flagged brands excluded regardless of survey score.
Choice Home Warranty has also been named a Best Home Warranty Company by U.S. News & World Report, with the publication citing the company’s HVAC coverage specifically. The company is a member of the National Home Service Contract Association, the industry group that sets ethical and quality benchmarks for home warranty companies nationwide.
How Does the Choice Home Warranty Cancellation Process Work?
Homeowners can cancel a Choice Home Warranty contract at any time, for any reason, by phone or in writing, according to the company’s homeowners user agreement. Contracts canceled within the first 30 days of purchase are refunded in full, minus the cost of any services already used. There’s no administrative fee during that initial window.
Contracts canceled after the first 30 days receive a prorated refund for the remaining contract term, minus service costs already incurred and an administrative fee. That two-tiered structure, a short no-penalty window followed by a prorated refund period with a modest fee, isn’t unique to any one company; it’s standard across most home warranty contracts.
Frequently Asked Questions
Does Choice Home Warranty have a good reputation?
Yes. It’s earned more than 100,000 five-star reviews across platforms including BestCompany, ConsumerAffairs, and Trustpilot, was named to USA Today’s Most Trusted Brands 2026, and has been recognized as a Best Home Warranty Company by U.S. News & World Report.
What company owns Choice Home Warranty?
Rely Home, Inc. owns Choice Home Warranty, along with Home Warranty of America, The Home Service Club, and Lineguard Solutions.
What is the difference between the Basic and Total plans?
The Total Plan includes everything covered under the Basic Plan’s core systems (heating, electrical, and plumbing), plus air conditioning, clothes washers and dryers, and refrigerators.
How do I cancel a Choice Home Warranty contract?
Contact the company by phone or in writing. Cancellations within the first 30 days receive a full refund with no administrative fee, just the cost of any services already used; cancellations after 30 days receive a prorated refund for the remaining term, minus an administrative fee.
