Choice Home Warranty — Home Systems & Appliance Plans

Life cover protects your family's income; a home warranty covers the equipment in the house. Choice Home Warranty sells annual service plans that dispatch a technician for covered system and appliance breakdowns for a fixed service fee per claim. Be clear on the boundary: this is a service contract, not insurance, and it pays for named covered items only — read the exclusions before buying. It is worth a look mainly for older homes where HVAC, water heater and appliance failures are already likely.