Buy like an Expert; Say goodbye to confusion and hello to easy shopping with our buying experts

Top Reasons to Insure Home Appliances

Keeping your home running smoothly begins with protecting the essentials you use every day. Choice Home Warranty makes appliance coverage simple, affordable, and hassle-free.
Updated on July 24, 2025 8:34 AM
Home & Kitchen

Home appliances can break down at any time, turning routine tasks into unexpected problems. From costly repairs to full replacements, these issues add both stress and expense. That’s why warranty protection matters—it keeps things running without surprise costs. Choice Home Warranty offers simple, reliable coverage that makes repairs and replacements easier to manage.

 

Understanding Choice Home Warranty

Choice Home Warranty provides home warranty service plans designed to protect homeowners from the cost of repairing or replacing major appliances and home systems that fail due to normal wear and tear. These plans cover essentials like kitchen appliances, heating and cooling systems, electrical components, and plumbing systems. Unlike product-specific manufacturer warranties, which typically expire after a year or two, a home warranty provides ongoing coverage for multiple items in your home under a single service agreement.

Homeowners often confuse home warranties with homeowners' insurance, but they serve different purposes. Homeowners' insurance covers damage caused by events such as fires, floods, or theft, while home warranties focus on mechanical failures and breakdowns resulting from everyday use. For example, if your refrigerator stops cooling or your water heater fails, Choice Home Warranty steps in to handle repairs or replacements, costs not typically covered by insurance or expired product warranties.

With Choice Home Warranty, homeowners benefit from predictable service fees and access to a vetted network of technicians. Instead of searching for repair services or paying high out-of-pocket costs, you submit a claim, pay a fixed service fee, and let Choice handle the logistics. This makes managing home repairs simpler, more affordable, and less stressful.

Home Warranty Perks: Why Coverage Pays Off

Cost Savings on Repairs and Replacements

A home warranty covers the cost of expensive repairs and replacements for major systems, including HVAC units, refrigerators, and plumbing. Instead of paying hundreds or even thousands for sudden breakdowns, homeowners only pay a predictable monthly premium and a flat service fee per claim. Over time, this can result in substantial savings, especially for larger appliances or aging home systems prone to wear and tear.

Peace of Mind

Owning a home comes with plenty of surprises—appliance failures shouldn’t be one of them. A home warranty provides peace of mind by protecting against unexpected breakdowns. This is especially valuable for first-time homeowners or those on a fixed budget, allowing them to focus on enjoying their home without stressing over repair costs or service arrangements.

Convenient Access to Trusted Technicians

With a home warranty, there’s no need to search for contractors or check reviews. Providers assign pre-screened, qualified professionals for each repair. Homeowners get quick access to help without the hassle of vetting service companies, ensuring timely and reliable repairs across most regions.

Budget-Friendly Planning

A home warranty helps homeowners manage maintenance costs through predictable, consistent payments. Instead of worrying about large one-time expenses, they can plan ahead financially. This benefit is particularly useful for older homes with aging systems that are more likely to break down.

Boosts Home Value and Buyer Appeal

Properties with active home warranty coverage often attract more interest from buyers. Many sellers include home warranties to offer added value, leading to faster sales and potentially higher offers.

Your Coverage, Your Way: Exploring Choice Home Warranty Plans

Get a Free Quote

Basic Plan

The Basic Plan from Choice Home Warranty focuses on protecting core household systems and major appliances that most homeowners use daily. Covering essentials like heating, electrical systems, plumbing, and kitchen appliances, this plan helps shield homeowners from the financial stress of common breakdowns. It’s a practical choice for individuals or families living in standard homes, especially when managing a fixed home maintenance budget. 

By paying a predictable monthly fee and service charge, homeowners can avoid large, surprise repair bills while ensuring qualified professionals handle key systems. For those seeking reliable yet affordable coverage, the Basic Plan provides essential protection without unnecessary extras.

Total Plan

The Total Plan expands on the Basic Plan’s foundation by including air conditioning systems, refrigerators, and laundry appliances—all critical to maintaining daily comfort and convenience. This plan is ideal for households that rely on high-value appliances, particularly in larger homes or warmer climates where air conditioning and refrigeration are non-negotiable. 

Choose the Total Plan to expand coverage beyond core systems and actively protect essential appliances like air conditioners, refrigerators, and laundry machines. This plan gives homeowners full control over household maintenance, combining wider protection with consistent, predictable costs for a balanced, all-in-one solution.

Optional Add-Ons & Coverage Caps

Choice Home Warranty enhances its Basic and Total plans with optional add-ons like pool equipment, septic systems, roof leak coverage, and more, priced between $3–$15 monthly. This customization lets homeowners adapt their plan to suit property-specific needs, from luxury features like spas to practical concerns like sump pumps. 

Each plan comes with a $3,000 coverage cap per item annually, offering substantial protection while maintaining clear coverage limits. These add-ons make Choice Home Warranty adaptable, serving not just standard households but also those with more complex home setups, delivering both cost control and peace of mind.

Why Choice Home Warranty Stands Out

Easy Claims Process

When home systems or appliances suddenly fail, Choice Home Warranty keeps the process simple and accessible. Homeowners can submit claims 24/7 through the online portal or mobile app, allowing immediate action without waiting for business hours. Once submitted, Choice typically initiates service dispatch within 4 hours, ensuring a technician gets in touch quickly.

Their easy-to-use dashboard provides real-time updates, so homeowners always know the status of their request—from approval to resolution. This streamlined process reduces both stress and downtime, giving homeowners faster access to repairs when they need them most.

Broad Appliance Coverage

Choice Home Warranty covers a wide range of household appliances that are essential to daily living. Covered items include refrigerators, ovens, cooktops, washers, dryers, dishwashers, microwaves, and garbage disposals. Whether it’s a minor fault or a full system failure, their plans help homeowners avoid large out-of-pocket expenses for both common and high-ticket items. This extensive coverage means everyday breakdowns won’t interrupt your routine or strain your budget, offering both security and convenience.

Nationwide Service Network

Choice Home Warranty supports homeowners nationwide with a network of licensed technicians and repair professionals. Whether you live in a city, suburb, or rural area, there are local pros ready to handle repairs. These professionals understand regional climate challenges and home systems, ensuring efficient service that fits your location. This broad coverage ensures consistent, reliable help is always nearby.

Conclusion

Insuring home appliances helps you avoid unexpected repair bills while keeping your home running smoothly. By covering essential items such as refrigerators, washers, and HVAC systems, a home warranty provides both convenience and peace of mind. Explore Choice Home Warranty plans today and select the coverage that best suits your home.

 

About Author
Jake Taylor
Meet Jake Taylor, our expert content writer who has quickly established himself as a rising star. Despite his youth, Jake's fresh perspective and creative writing style have garnered attention and acclaim. With a versatile skill set, he has successfully written across various niches, including tech, gaming, and entertainment. Jake finds joy in exploring the gaming world, eagerly immersing himself in the latest game apps. Jake can be found trying the latest game app or exploring a new local bar, where he is always asked to show his ID, that's what you get when you have a baby face. Jake Taylor's ability to craft captivating content and embrace the latest trends ensures our readers stay informed and entertained.