Choice Home Warranty Review

Rating: 9 / 10 (Excellent)
1,202 Customer Reviews - see all reviews
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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?

Breakdown

9/10
Coverage
8/10
Reputation
10/10
Contract & Price
10/10
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.

Coverage

Key Facts

Plan Types
Combo/Hybrid
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
$1,500
Typical Systems Benefit Limit
$1,500

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

Exclusions

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?
No
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.

Claims & Service

Claims

Maintenance Records Required for Service?
Yes
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.

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.

Choice Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
51-200
TrustPilot Rating
9.3 out of 10
BBB Rating
B-
BBB Rating
95
BBB Neutral Reviews
21
BBB Negative Reviews
495
Date Collected
2017-07-26

Reputation - 8 / 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
2008

Top Rated
Our Partner
9.0 / 10
  • Strong Online Reviews
  • First Month Free + $50 Savings
  • 24/7 Claims Hotline
  • No Inspection Required
  • Fast, Reliable, local Technicians
  • Dedicated Support Team

Latest Choice Reviews

7.18
Based on 1,202 Reviews from Choice customers
Loading Reviews ...
Gary R
Auburndale, Florida

9/21/2017
My AC went down and would not start. I called and had a repair technician there the next day! Hassle free!


B
Benjamin
Pensacola, Florida

9/21/2017
I called to have my a/c looked at due to leaking. Even though this was not a covered item, the staff was very professional and friendly.


B

9/21/2017
9/21/2017 Choice Home Warranty review 1 ) Took 2 days for them to arrive come out (water heater broke) water everywhere; 2) When someone did arrive there were 2 tech that came separate but 2n d person wanted payment too. 3) Different service request person came and didn't fix the problem but wanted their co-payment. Also, said it need to be replace and never return. After having a couple of bad experiences I notify my neighbors not to sign up with Choice. Since I'm community facilitator and bring positive information to the community. This wasn't a nice or good experience.


George B

9/21/2017
i got a response in an hour and repair was scheduled for the next morning, the repair was completed by 10 am . could not have been better


M
Marcia

9/21/2017
Choice Home Warranty was fast in getting a technician to take our accept problem. He came the next day and fixed the problem very efficient.


M
Margarette M
Blythewood, South Carolina

9/21/2017
Had to purchase new appliance. Still waiting for a check


Alvenus F

9/20/2017
The service was excellent. I received immediate feedback and someone called me almost one day later and I was able to get someone out within the week to help me with my issue at the house...great company!


L
Lindsay
Vancouver, Washington

9/20/2017
Choice Home Warranty was quick to handle our issue with our fridge. After a technician came out and looked into the issue we were able to have him come back and repair the fridge at no extra cost. Great Peace of Mind knowing that we have coverage for all of our appliances!


J
Jonathan
Tempe, Arizona

9/20/2017
Choice was quick to have a repair company contact me, arranging everything over the weekend. Very happy with the turnaround time.


J
Joseph O
Bowie, Maryland

9/20/2017
The clog in sink was determined to be grease accumulated in sink. Grease was removed, clearing the block, returning dishwasher to proper operation.


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