Choice Home Warranty Review

Rating: 9 / 10 (Excellent)
1,959 Customer Comments & Reviews - see all comments
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Choice Home Warranty is a New Jersey-based company founded in 2008. Their plans offer comprehensive protection against the high cost of repair or replacement of major systems and appliances in the home via two different plans. Each plan also features additional coverage for Septic Systems, Pool / Spa, Well Pump, Sump Pump, Central Vacuum, Limited Roof Leak, Second Refrigerator, and Standalone Freezers.

How is Choice rated?


Contract & Price
Claims & Service

Overall Rating: 9 / 10 (Excellent)

Choice Home Warranty offers a full array of home appliance and systems coverage at a competitive price. Submitting a claim can be done at any time, including through the internet. Unlike some of their competitors, the company does not impose an annual cap on pay-outs. However, the company's reputation has suffered due to some recent regulatory actions.


Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
Typical Systems Benefit Limit

Coverage - 9 / 10

Choice Home Warranty's coverage of home systems and appliances is squarely in line with industry practices. They exclude malfunctions caused by failing to provide proper cleaning or maintenance. Refrigerators, air conditioning systems, washers and dryers are excluded from coverage by the basic plan, but can be added in the premium plan. Although the company does not impose a yearly maximum payout, coverage on most items is capped at $500 or $1,500.

What does Choice cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Central Vacuums
  • Ceiling Fans
  • Ductwork
  • Sump Pumps

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer


For a full list of Choice exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $370
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
Online Quote/Application

Contract & Price - 9.7 / 10

The annual premium for Choice Home Warranty coverage is $370, which is very competitive within the market. The company's co-pay for a service call is $60, slightly less than most comparable companies. The co-pay may be reduced further with special discounts and promotions.

Sample Contract

Choice provides a sample contract for potential customers on its website: Choice Sample Contract

Cancellation Policy

The contract shall be non-cancelable by the company except for nonpayment of contract fees or service fees, fraud or misrepresentation of facts by the customer, or by agreement between client and company. Customers may cancel within the first 30 days of the order date for a refund of the paid contract fees, less a $50 administrative fee and any service costs incurred by the company. If canceled after 30 days, the customer shall be entitled to a pro rata refund of the paid contract fee for the unexpired term, less a $50 administrative fee and any service costs incurred by the company. All cancellation requests must be submitted in writing.

Claims & Service


Maintenance Records Required for Service?
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
30 days

Claims & Service - 10 / 10

The company's claim center takes calls 24/7/365. Claims can also be made online, a feature that most other companies do not offer.

Choice Reputation

Company Details

Year Founded
NHSCA Membership
Number of Employees
TrustPilot Rating
9.3 out of 10
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 7.9 / 10

Choice Home Warranty is not BBB-accredited, but they do have a B- rating with the organization. Although negative reviews far outweigh positive ones, this is not unusual within the home warranty industry and is frequently due to customers misunderstanding coverage terms. However, the company has been reprimanded twice by the BBB for improperly offering financial incentives to clients who leave positive reviews. In 2015, the company paid $780,000 to the State of New Jersey to settle claims brought by the state alleging that the company engaged in various unfair and deceptive consumer practices.

Contact & Additional Information

Homepage URL
Company Phone
(888) 531-5403
Headquarters Address
1090 King Georges Post Rd, Edison, NJ, 08837
Year Founded

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1959 Customer Comments & Reviews

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Victoria R
Los Angeles, California
Dishwasher still broken - repair man collected $45 deductible and never returned to fix dishwasher - I want a refund from repairman and schedule replacement

Dallas, Texas
Iam not satisfied with there work because they say temperatures is good . Yesterday evening I fixed in 74 now it reach 85 and it not started . Two guys they say your ac is licked and they charge 285$ because they say it not cover by warranty thanks.

Dallas, Texas
Thank you CHW for taking care of my houses, great company and great contractors very professional.

Newark, New Jersey
The technicians are very good. Response time is acceptable .. except when the problem arises on Sat... most of the time do not hear from anyone till Monday.... The most negative.. the time it takes for a contractor to receive an authorization when on the job.. One time over an hour.. and another time 27 minutes..he literally went out to have breakfast... . you must set up a better system once the tech is on the job for authorizations... Wasting time for the contractor and the customer.. > one of the last jobs I needed.... once the authorization was approved the job took 25 minutes but the contractor was at my home for over an hour prior to approval.... truly this makes no... Read More

Dallas, Texas
Repairs on appliances less then 10 years old shouldn’t require an approval, unless the repair is extremely expensive. Why make the Customer wait an extra week for an approval and part order when a repair is simple and the part is less then $ 200 ?

Dallas, Texas
Very unhappy. Sent a plumber? from 4 hours away. No help when I called. Technician requested to be paid in cash and I refused. Need out of this contract.

David M
Atlanta, Georgia
Avoid them. They haven’t paid for much of anything (have had issues with dishwasher, sump and water heater) other than someone showing up and diagnosing the problem. They even left us without water for 4 days !!!!

Rebecca F
Denver, Colorado
Claim made 5/8/18. Tech was here 5/21/18. Two weeks is unacceptable. Your company trying to find the best deal and trying to say I have to pay the mileage?!? Once the Tech was here he was on hold for over 45 minutes trying to get authorization because he had to call for any amount over $100. Are you kidding me? Please tell me what type of home repair would be under $100. That is absolutely terrible. You need a separate phone number for the technicians to call so they are not wasting their time. I had a home warranty company prior to yours. I know what to expect. I'm terribly disappointed with my first experience with your company. I pray my next claim goes smoother and... Read More

Elton B
Memphis, Tennessee
Craig was great. He assisted me in my decision to change companies.

Chicago, Illinois
this company is not a good home warranty company. i have them now and unless you want to pay for all your repairs you should look elsewhere. they will gladly take your money and when come time for a repair deny you fast.

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