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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 9.1 / 5 ()
11,701 Customer Comments & Reviews - see all comments
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Choice Home Warranty is a New Jersey-based company founded in 2008 which offers services contracts. Their plans offer protection against the cost of repair or replacement of major systems and appliances in the home via several plans. Each plan also offers optional coverage for septic systems, pools /spas, well pumps, sump pumps, central vacuuming systems, limited roof leaks, second refrigerators, and standalone freezers.

How Do We Rate Choice?

Breakdown

4.8/5
Transparency
4.5/5
Claims Processing
4.5/5
Coverage Options
4.8/5
Additional Benefits
4.3/5
Customer Experience

Our Overall Rating: 4.6 / 5 (Excellent)

Choice Home Warranty offers a full array of home appliance and systems coverage at a competitive price. The company offers two plans for existing home owners —Basic and Total. In addition to a monthly premium, customers can expect to pay an $85 service fee each time they make a claim, which falls in low-to-mid range when compared to other home warranty companies.

You can submit a claim 24/7, including holidays, via phone, online, or app. The company utilizes proprietary technology to begin the dispatching process after a claim is filed. The company has recently updated their plans increasing coverage and has fewer limitations. Their plans and optional coverage can cover over 25 major systems and appliances.

Choice Home Warranty earns a B rating from the Better Business Bureau and has a positive rating on Trustpilot, but in this industry, negative customer reviews far outnumber positive ones.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
$3,000
Typical Systems Benefit Limit
$3,000

Coverage Options - 4.5 / 5

Choice Home Warranty offers existing homeowners two plans, each of which cover a mix of systems and appliances. The primary difference between its Total plan and its Basic plan is that refrigerators, washers and dryers, and air conditioning systems are not included in the Basic Plan. Optional coverage for such items as pools and spas, well pumps, and septic systems is available for an additional fee. The company states that, in any case, its total liability for any single item is capped at $3000, but lower limits do apply to some covered items.

What does Choice cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Central Vacuums
  • Ceiling Fans
  • Ductwork
  • Sump Pump

Covered Appliances

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

Exclusions

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

Specialty Items

  • Pool
  • Spa
  • Septic Tank Pumping
  • Second Fridge
  • Freezer
  • Limited Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $0
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 5 / 5

We requested a quote for a single family home of less than 5000 square feet in a small midwestern city. The premium for Choice Home Warranty's Basic was $47.85 per month and the premium for its Total pan was $54.95 per month. With the cost difference between the two plans being only about $7 per month, to our mind, the Total plan a better value overall because it includes coverage for three of the most common appliances: refrigerators, washers, and dryers. It also includes coverage for air conditioning systems.

The company's co-pay for a service call is $85, 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 full refund of the paid contract fees. 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.

Claims & Service

Claims

Service Fee
Choice Home Warranty two plans include the same $85 service fee, also known as a deductible.
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
15,000+
Number of Technicians
15,000+
Service Recall Period
30 days

Claims Processing - 4.5 / 5

The company's claim center takes calls 24/7/365. Claims can be made online or by calling the company.

Choice Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
500+
TrustPilot Rating
3.9 out of 5
BBB Rating
B
Date Collected
2021-12-15

Reputation - 5 / 5

Choice Home Warranty is one of the fastest growing organizations in the USA, winning Inc 5000 awards for 7 years running. U.S. News & World Report's 360 named Choice Home Warranty Among the Best Home Warranty companies two years in a row, and BEST CLAIMS Service. Choice Home Warranty is also a member of the National Home Service Contract Association (NHSCA), an industry trade organization serving home service contract providers and consumer interest throughout the United States.

While the company earns an average B rating with the Better Business Bureau, consumers have lodged over 9000 complaints against the company in the past three years with that organization. Choice Home Warranty earns only 1 star out of 5 from consumers who have reviewed the site on the BBB's website. The BBB also notes that Choice Home Warranty has been the subject of several significant legal actions by the Arizona Attorney General's office. The company has also been reprimanded by the BBB itself for improperly offering financial incentives to clients who leave positive reviews.

Choice Home Warranty fares much better on Trustpilot, where consumers award the company 3.9 out of 5 stars.

Contact & Additional Information

Homepage URL
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

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11701 Customer Comments & Reviews

Loading Reviews ...
kkgertsch
1/14/2026
I was happy last night when I spoke to Melvin, the sales rep....although it took 15 minutes for him to give me the BEST price package. HOWEVER, this morning I have received 2 phone calls from reps from your company. The first rep told me he was just verifying my info. He had at least my name, phone number, name and address! He then said I could get a home security system for no cost 'except' the $60 MONTHLY FEE! I told him that I couldn't afford that amount. He said " oh yes you can. You CAN'T afford NOT to get this!" In a VERY AGGRESSIVE SOUNDING VOICE!!! HE WAS VERY PUSHY. I told him No Then a couple of hours later, I received ANOTHER call from your company from Tony ( who ...Read More


cecemvann
1/13/2026
I am satisfied with the service Choice Home Warranty provides. I like the professionalism.


baileyreece711
1/13/2026
D Hodges was very straight up about what was needed and was able to perform a temporary fix until the part could be obtained.


dtfmyrc10
1/13/2026
The technician was very eligible and professional The technician was late, but offered a professional and respectful apology The technician did a thorough inspection of the situation and with his professionalism went on and completed his task Please note this technician completed his task, then asked for the payment. I was very pleased and satisfied with this technician because of his professionalism, his respect for my home and is diligent and rendering the service. This technician should be applauded by the company as I do thank you for sending him to remedy my problem. Respectfully Mister Donald King 1021 Belleville Ave. Drexel Hill Pa 10026


cherimac52
1/13/2026
My claim for a plumber was quickly scheduled and Butler Plumbing was quick to act and fix the problem. Complete satisfaction !


florealbert27
1/13/2026
I am disappointed with Choice Home Warranty. Their technician was supposed to call within 24 hours but never contacted me at all. Evidently, the customer service reps I spoke with didn't understand the seriousness of my plumbing problem.


holder.casandra
1/13/2026
Choice Home Warranty responded fast. The technician came few days later and fixed the problem.


apinkh61
1/12/2026
Chandler was an amazing electrician and wonderful to work with. Very personable and professional.


alangirdlestone92
1/10/2026
Our furnace stopped working, we went online and initiated a repair request and had a referral for a local Heating and cooling company in less than 5 minutes! The local company contacted me via text within 10 minutes and set an appt for 2 days later. They showed up on time, took about 15 minutes diagnosed the problem, fixed it right on the spot. Very excellent service! The best part is we had a quote from our own HVAC company and they had quoted us nearly $1,000 to fix the furnace, so we were more than pleased with the outcome. We only had to pay for the warranty service fee of $75.00.


afawazmalas
1/10/2026
I filed a claim with Choice Home Warranty "CHW" on 01/05/2026 for the repair of kitchen food disposal in a rental property. An assigned technician came to the single family property on 01/08/2026. He checked the disposal machine, cleaned it and made it work again. He did a very good job



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