Cancel Choice Home Warranty in 2026: Stop the Renewal Trap

Updated February 2026 • 7 min read

Why People Cancel Choice Home Warranty

Choice Home Warranty advertises plans starting at $46/month ($552/year) with a $85 service call fee. But their 1.5/5 BBB rating tells the real story:

• Claim denials: "Not a mechanical failure" or "pre-existing condition" cited on 40%+ of claims
• Low payouts: They offer cash-out settlements of $300-500 for repairs that cost $2,000-5,000
• Contractor quality: Dispatched technicians are often lowest-bidder contractors with poor reviews
• Renewal price hikes: Year 1 promotional pricing jumps 20-40% at renewal

How to Cancel Choice Home Warranty

Step 1: Call Customer Service

Call 1-888-531-5403 (Mon-Fri 8am-11pm ET, weekends available)

Script: "I'm calling to cancel my home warranty policy, contract number [NUMBER]. I've made my decision and do not want to discuss alternatives or discounts. Please process the cancellation immediately."

Step 2: Survive the Retention Gauntlet

Expect 2-3 transfer attempts and offers like:

• "We can reduce your monthly payment to $29/month"
• "We'll waive your next service fee"
• "You have $X in unused coverage value"

For each, reply: "No thank you. Please process my cancellation." Don't explain why — explanations give them objection-handling scripts to work from.

Step 3: Get Written Confirmation

Before hanging up, demand:

1. Cancellation confirmation number
2. Email confirmation sent to your address on file
3. Exact cancellation effective date
4. Refund amount and timeline (if applicable)

Step 4: Send Written Backup

Email support@choicehomewarranty.com referencing your cancellation confirmation number. This creates a paper trail if they "lose" your phone cancellation.

Choice Home Warranty Refund Policy

• Within 30 days: Full refund, no questions
• After 30 days (annual plan): Pro-rata refund minus $50 admin fee minus any claims paid
• Monthly plan: No refund — coverage ends at next billing cycle
• Refund timeline: 15-30 business days (push back if longer)

The Home Warranty Industry's Dirty Secret

Home warranty companies are profitable precisely because they pay out less than they collect. The business model depends on:

1. Exclusions: The 40-page contract excludes more than it covers
2. Cash-out settlements: Offering $400 cash instead of a $3,000 repair
3. Lowest-bid contractors: Paying contractors 30-50% below market rate means corner-cutting
4. Auto-renewal: Counting on inertia to keep you paying