Rating: 9.1 / 10 (Excellent)
12,100 Customer 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

Top Rated
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Special Offer: $50 Off + 1 Month Free

  • Nationwide Network of 25,000+ Local Contractors
  • Over 8 Million Service Requests Handled
  • 2.4 Million+ Homes Covered Across the USA
  • 24/7 Home Repair Services & Support 

Latest Choice Reviews

8.05
Based on12,100 Reviews fromChoice customers
rodneyphaltom

7/28/2026
I have been with Choice for a long time now and they always come thru when we are in need! I am not always thrilled with how much they pay, but it is a lot better than the alternative, of having no warranty at all!


captainmaggie54

7/28/2026
As far as the telephone call and putting a claim in it was extremely easy. Now I want to see how it is when they actually come to do the service. That hasn't happened yet because it's the first time I'm using them. Hopefully it will be equally as good.


V
Veronica V

7/28/2026
We have received great customer service. I really appreciate their understanding when we are frustrated with whatever situation we are going through because of our broken appliance they always have the patience and the courtesy to get us moving forward to get our repairs done as quickly as possible.


paqjerry

7/27/2026
Choice Home Warranty (CHW) has been an amazing buy for us. We have made two requests for our appliances. Our LG ice maker died and our GE washing machine died mid cycle (mother board). Both issues were diagnosed and repaired very quickly. I called "GE Cares" as a backup plan for our washing machine. CHW supplied the same certified technician/company as GE was going to send. This warranty has been a blessing and has saved us a lot of money and service fees.


phytrpilot51

7/27/2026
Have a three year contract and have used the system four times. Each time was a little different but I was satisfied each time. Problems solved!


papatim777

7/27/2026
Received new CC from my bank, which made my account past due. It took three times to enter new card number, and otherwise I strongly recommend Choice!


navakoti

7/26/2026
He did not mention wether he changed ot water settings. Hot waer is really hor! He did a good job and left!


timmarshall02

7/25/2026
The tech came out and performed a good job n submitted the order to see if covered. But I did not sign any form to confirm or agree to having the work done. Let alone completion of work performed. So the signature on the wo is not my signature nor my electronic signature on file. So someone signed my name without my approval.


lorillioussmith1

7/25/2026
I'm very satisfied with Choice Home Warranty, due to the choice of service providers, the company they sent out fixed my washer the same day because they had the parts on their van, unlike AHS who would take weeks to repair anything because they always have to order parts....


edpuente1966

7/25/2026
Once my contract is expired I will be looking for another warranty company! My A/C unit had been working for the last 6 years and when it froze up and I called Choice they denied my claim and I have to pay out of pocket.


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FabFourMom

7/25/2026
It surprises me when something small and inexpensive gets denied. It's disappointing after years of maintaining a policy and always recommending my friends and family do so, as well.


hishamjada1

7/24/2026
Customer service agents did an excellent following up. Understood the importance and the need to get things done.


duncanlee1947

7/24/2026
I would not recommend this company. They use pre existing conditions as an excuse not to pay. Any appliance or piece of equipment repair can be refused as preexisting condition. Any home that is not brand new will have preexisting condition if anything fails. My experience with them was not hood.


cvaughan2

7/23/2026
The gentleman was very polite, and even smiled. He showed up within time window although it was raining really bad!! He was very knowledgeable and understood what I was explaining and needed. He checked the system and was very thorough!!! Great service to have.


sabraslaughter

7/23/2026
The technician was very knowledgeable and thorough. He was delayed by the approval process to secure the parts needed to complete the repairs. Once the approval was granted, he moved swiftly to complete the work with precision and skill.


sandracarlisle27

7/22/2026
Jhonatan, was very helpful, courteous and answered all my questions. He provided information regarding plans and add-ons. He excepted my decision without added pressure.


johnsonjpat

7/22/2026
My experience with Choice Warranty has been wonderful. Each time that I have called on Choice Warranty for any project the technician that they have sent to my home has been professional and friendly. I have no complaints.


guytann

7/21/2026
I placed a service request for my A/C from the Choice Warranty App and in less than an hour Choice assigned a vender who also promptly created an appointment for the next day I absolutely would recommend Choice to anyone seeking a Whole Home coverage Thank you Choice Home Warranty !!


C
Cronyn M

7/21/2026
Very helpful fast and satisfactory solved any problems that may arise


zootoo57

7/21/2026
Their contractors are always polite and know what they are doing. I used to have another home warranty company and the time between I needed service and actually received service was days. Choice seems to have contractors that schedule within just a day or two. And that's something I really appreciate.


ronharo1948

7/20/2026
fast response to my claim in getting a technician to schedule the necessary repair


vhills456

7/19/2026
Everytime I have had to ask for help with home issues, I have gotten Fast reply and scheduled technician within an hour or two. All technicians have been impressive. Very kind and respectful, and extremely skilled in their craft. I so appreciate the superior service CHW and the companies they hire have provided. They get 10 stars from me.


rletempt

7/18/2026
The technician was kind and did a great job! Also fit me in earlier which was appreciated.


smengale2

7/17/2026
Choice Warranty has delivered on the quality of the technicians they have provided for ninety-five percent of the repair jobs in our house. It is easy to open a ticket & technician usually gets assigned within 24 hrs. We will definitely sign up again with them & recommend it to our family, friends & neighbors .


dghayes1939

7/17/2026
Heat Movers LLC. did an outstanding job. They were professional and thorough.