The short answer
A charge from CHW or CHOICE HOME WARRANTY is for a home warranty service plan you (or a previous homeowner) purchased to cover repairs or replacements of home systems and appliances.
What Does a Choice Home Warranty Charge Mean?
A line item on your bank statement or credit card reading CHW / CHOICE HOME WARRANTY indicates a transaction from Choice Home Warranty. This charge represents a Choice Home Warranty Premium or Service Fee for a residential service contract. These residential contracts cover repair and replacement costs when major home systems, such as your heating, plumbing, or electrical network, or major appliances break down from ordinary wear.
Most cardholders see this charge as a recurring monthly premium or an annual plan renewal. Standard monthly fees typically range from $45 to $60 depending on whether you carry the Basic Plan or the Total Plan, along with any optional add-on riders for equipment like pool pumps or second refrigerators. If you recently filed a repair claim, the billing amount may be a flat $85 trade service call fee charged when a technician visits your property.
If you did not expect this transaction, sign in to your account at my.choicehomewarranty.com or review your initial policy documents. You can manage policy settings or cancel your plan by calling Choice Home Warranty customer support at (888) 373-7924. If you recently bought a house, the previous owner or your real estate agent may have purchased a one-year plan that has now rolled over into an auto-renewing paid contract tied to your billing information.
Why Am I Being Charged If I Didn't Request Service?
Home warranty contracts renew automatically by default. When you sign up for coverage, Choice Home Warranty keeps your card on file and bills each subsequent cycle to keep your policy active. Promotional rate periods often expire after the initial term, prompting automatic billing at the standard rate.
Home purchases are another frequent reason for unexpected charges. Sellers and real estate agents often include a one-year warranty as part of the closing agreement. Once that first year expires, the warranty company bills the resident on file to maintain the contract. If you do not want to keep the policy, call (888) 373-7924 to cancel the contract and request written confirmation of the cancellation.
Frequently Asked Questions
How do I stop Choice Home Warranty from charging my card?
To stop recurring charges, you must contact Choice Home Warranty directly at (888) 373-7924. Advise the representative that you wish to cancel your contract and halt all future auto-renewals. Make sure to request a cancellation confirmation number for your records.
Are Choice Home Warranty charges legitimate?
Yes, charges from Choice Home Warranty are legitimate if you or someone associated with your property signed up for a home service contract. They represent either your ongoing monthly/annual premium or a flat fee for a dispatched service technician during a claim.
Independent reference — not affiliated with Choice Home Warranty. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Choice Home Warranty Official Site https://www.choicehomewarranty.com
- Choice Home Warranty Customer Portal https://my.choicehomewarranty.com
Reviewed Aug 31, 2026 · high · About UnknownCharges