Comparing Choice Home Warranty? Here’s how RMO MyHome compares on price, service-call fees, and what’s actually covered — including a Disappearing Deductible at the top tier.
Both providers offer tiered plans. Numbers shown reflect each provider’s entry-level systems plan.
Choice Home Warranty offers a Basic Plan and Total Plan roughly $45–$55/month, with an approximate $85 service-call fee per visit. Pricing referenced from publicly available Choice Home Warranty rate cards as of 2026 and can vary based on location, home size, and current promotions.
Coverage details, eligibility, and how each plan handles claims and service calls.
| Feature | RMO Home Protection | Choice Home Warranty |
|---|---|---|
| Pricing Model | Monthly subscription | Monthly or annual |
| Plan Tiers | MyHome I–IV | Basic Plan, Total Plan |
| Starting Price | $19/mo (MyHome I) | ~$45/mo (Basic Plan) |
| Top-Tier Price | $49/mo (MyHome IV) | ~$55/mo (Total Plan) |
| Service Call Fee | Deductible per claim, decreases with tier; disappearing deductible at MyHome IV | ~$85 per visit (fixed) |
| Major Systems Coverage | Yes (HVAC, plumbing, electrical) from MyHome I | Yes (Basic Plan and up) |
| Major Appliances Coverage | Yes from MyHome III | Yes (Total Plan adds refrigerator, washer, dryer) |
| Plan Tier Granularity | Four tiers progressive coverage | Two tiers, more limited customization |
| 30-Day Wait Period | Varies by plan; review terms | Standard 30-day waiting period for new contracts |
| Service Network | Vetted local contractors | National contractor network |
| Member Pricing on Other Products | Yes — banking, insurance, electronics protection, more | Not applicable |
| Plan Term | Monthly — cancel anytime | 1-year contract typical |
| Membership Required | Yes — RMO membership | No membership needed |
Coverage details summarized for comparison. Specific covered systems, appliances, limits, exclusions, and waiting periods are described in each plan’s contract.
Deductibles per claim decrease as you move up tiers, with MyHome IV featuring a Disappearing Deductible.
Requires MyMembership I
Requires MyMembership I
Requires MyMembership II
Requires MyMembership III
Prices reflect current monthly rates and do not include the cost of RMO membership. Plan availability and features subject to change.
Both providers cover home systems against breakdown. Here’s where each tends to win.
Join RMO to unlock MyHome plus dozens of other member benefits.
Choose the tier that matches your home and the systems / appliances you want covered.
Once your MyHome coverage is active, contact Choice Home Warranty to cancel your contract and request any prorated refund.
MyHome I starts at $19/month, well below Choice Home Warranty’s typical Basic Plan at approximately $45/month. MyHome IV at $49/month is also below Choice’s Total Plan.
MyHome plans include a deductible per claim that decreases as you move up tiers, with a Disappearing Deductible at MyHome IV. Choice Home Warranty charges a typical service-call fee around $85 per visit, which is fixed regardless of plan.
Choice Home Warranty’s Basic Plan covers a smaller set of systems and appliances. The Total Plan adds refrigerators, washers, dryers, and a few other items. RMO’s MyHome tiers add coverage progressively from MyHome I through MyHome IV.
Most home protection plans, including Choice, have a 30-day waiting period for new contracts to prevent claims for known pre-existing problems. Review the MyHome plan documents for details on RMO’s waiting period and any pre-existing condition exclusions.
Yes. Choice contracts can typically be canceled, with refunds prorated based on time remaining and any claims used. Contact Choice Home Warranty directly to cancel.
Activate RMO membership and pick a MyHome tier first so you’re never uncovered. Then contact Choice Home Warranty to cancel your contract — they typically issue a prorated refund based on time remaining and any claims used.
Join RMO and get home systems and appliance protection starting at $19/mo.
