Choice Home Warranty Review

Rating: 9 / 10 (Excellent)
1,781 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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1781 Customer Comments & Reviews

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Pedro C
Boynton Beach, Florida
Great Service, great technicians, will not consider any other home warranty company, honest and sincere, glad that I chose Choice Home Warranty for my home

Garry G
Citra, Florida
I am very satisfied with Combs Appliance repair . Received a call telling me they were on their way. Very professional and diagnosed problem very quickly. Would request their services again if needed!!

Donna D
Belchertown, Massachusetts
The agent I spoke with was very curtious and professional. he went over all the options including options for senior citizens. He was very helpful, and we thank him.

Treva B
Frederick, Maryland
Stop trying to hustle your customers and give them what they ask for. All. The "manager deals" are ridiculous and shady. Of its not a contract then I shouldn't have to pay for all the years upfront.

Phil K
Seaford, Delaware
So far I have not had a chance to use the warranty since I just signed up yesterday. I asked to be billed monthly for the one year program but when I checked my credit card statement this morning I found that I was billed for the whole year. I intend to call them back today and see if I can get this fixed. I will write another comment and let you know what happened

Cory B
Tallassee, Alabama
Great customer service and promotions! Hassle free and quickly received exactly what I needed.

Darius T
Houston, Texas
Not very happy as I was told one thing and then something else was charged. This is not how business should be handed and I could have not paid for the service charge as it was stated when I called and ask three times and was told that I would not be charged. Then you have people stating to be the manager and not sure if you can believe who you are speaking with. Not happy at all! This will not be the last time you will hear from me as well!’

Tampa, Florida
I made a service request on Saturday 3/17/18. On Monday 3/19 the repair company called to let me know they were too busy, that they were unable to come until the following Monday 3/26. I explained that my case was urgent, that my range oven stopped working completely and that I had only a microwave in the house. She suggested I called AHS. I did. I explained to the representative the urgency of my situation. She called several shops in the area (she said) but was unable to find one to come before Friday 3/23. I asked if I could call a repair company and have them reimburse me. Of course they refused. My rating is based on that they advertise 24/7 but fail to tell customers that... Read More

Victor K
Phoenix, Arizona
Ceiling fan motor went bad in our bedroom fan. Choice will only pony up for contractor grade fan WITHOUT THE LIGHTING KIT. If I want the lighting kit it requires more money. So looks like to me they want to replace apples with horse hockey. Will not be renewing with Choice, more like no choice.

Slow H
Longmont, Colorado
Hi , Awesome people had to reschedule 3 times, but really satisfied with ncpd. Thumps up.

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