Set in the contract
Choice Home Warranty
3.7/5
“Budget-focused homeowners who want a predictable flat service fee and straightforward plan choices.”
Photo · Im Greg / Unsplash
ServicePlus Home Warranty
3.3/5
“Buyers who want bundled roof-leak coverage and accept low caps.”
Photo · Curology / Unsplash
vs
§ 01Round by round
The Warranta verdict
For most buyers, Choice is the safer pick here. Its 3.2 claims score, while weak, beats ServicePlus's 2.8 with its documented disputed-denial pattern. The only reason to take ServicePlus is bundled roof-leak coverage. Neither publishes a plan price and ServicePlus's caps could not be verified, while Choice caps its standard covered items at $3,000 a year and still carries a mandatory arbitration clause.
Round by round · 11 criteriaSourced ratings
| Criterion | Choice Home Warranty | ServicePlus Home Warranty | Tradeoff |
|---|---|---|---|
| Overall | 3.7Wins | 3.3 | — |
| Pricing | 4.3Wins | 4.2 | — |
| Coverage | 3.6Wins | 3.3 | — |
| Claims process | 3.2Wins | 2.8 | — |
| Customer service | 3.3Wins | 3.0 | — |
| Contractor network | 3.5Wins | 3.1 | — |
| Pricing | Tie | Tie | Choice charges a flat $100 fee per claim; ServicePlus publishes no service fee Warranta could verify, and neither publishes a monthly price, so this round is a tie. Confirm the service fee in the contract before you buy. |
| Annual caps | Tie | Tie | Choice's user agreement caps each covered item at $3,000 per 12-month period, with lower limits for some items, and air conditioning, heating and ductwork share one limit. Warranta could not verify ServicePlus's caps against a live published source, so the two cannot be compared. |
| Claims experience | WinsWins | — | ServicePlus has among the lowest claims sentiment in this set (2.8) with documented disputed denials; Choice's 3.2 is also weak but stronger by comparison. |
| Customer sentiment | WinsWins | — | Choice's overall 3.7 leads ServicePlus's 3.3, with Choice ahead on the claims and customer-service sub-scores. |
| Coverage perks | — | WinsWins | ServicePlus bundles free roof-leak coverage; Choice offers it only via optional add-ons, giving ServicePlus the edge for roof concerns. |
Choice Home Warranty
3.7
Overall
ServicePlus Home Warranty
3.3
Overall
Sources
- Choice Home Warranty BBB profile (BBB profile, accessed 2026-05)
- ServicePlus Home Warranty BBB profile (BBB profile, accessed 2026-05)
- Choice Home Warranty plan descriptions (Provider official, accessed 2026-09-23)
- Arizona Attorney General press release on its $11.8M settlement with Choice Home Warranty (announced Feb. 10, 2026) (State regulator, accessed 2026-09-23)
- Choice Home Warranty common questions ($100 trade service-call fee per claim) (Provider official, accessed 2026-09-23)
- Choice Home Warranty user agreement (limitations of liability: $3,000 per 12-month period for each covered item, applied in the aggregate to items listed in the same numbered section) (Provider official, accessed 2026-10-07)
§ 02Who wins for you
If
“Claims experience matters most”
ServicePlus has among the lowest claims sentiment in this set (2.8) with documented disputed denials; Choice's 3.2 is also weak but stronger by comparison.
EdgeChoice Home Warranty
If
“Customer sentiment matters most”
Choice's overall 3.7 leads ServicePlus's 3.3, with Choice ahead on the claims and customer-service sub-scores.
EdgeChoice Home Warranty
If
“Coverage perks matters most”
ServicePlus bundles free roof-leak coverage; Choice offers it only via optional add-ons, giving ServicePlus the edge for roof concerns.
EdgeServicePlus Home Warranty
If
“Pricing matters most”
Choice charges a flat $100 fee per claim; ServicePlus publishes no service fee Warranta could verify, and neither publishes a monthly price, so this round is a tie. Confirm the service fee in the contract before you buy.
Evenly matchedToo close to call
Across 5 rounds, Choice Home Warranty takes more than it loses, but the right pick still turns on which of these criteria you weight. See the verdict above.
§ 03The figures, side by side
Choice Home Warranty
- Service fee options
- $100
- Service fee range
- Flat $100 trade service-call fee per claim (may be lower with discounts)
- Waiting period
- 30 days after Choice receives the agreement fee, or sooner with proof of prior coverage and no lapse
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
At a glance
Across plan tiers
Before claims are eligible
Home age / pre-existing
ServicePlus Home Warranty
- Waiting period
- Not confirmed; check the plan contract for when coverage starts
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
At a glance
Before claims are eligible
Home age / pre-existing
Choice Home Warranty
3.7/5
“Budget-focused homeowners who want a predictable flat service fee and straightforward plan choices.”
ServicePlus Home Warranty
3.3/5
“Buyers who want bundled roof-leak coverage and accept low caps.”
Round winners and the use-case cards above reconcile against Warranta’s rating methodology. Scores are on a 5-point scale.
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