Rating: 9.1 / 10 (Excellent)
11,860 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
Our Partner

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

8.03
Based on11,860 Reviews fromChoice customers
L
Laurie P

4/11/2026
I was extremely impressed by how quickly they responded to my initial request. I was asked to text them a photo of my broken washing machine’s model and serial number. Within minutes they had scheduled a service appointment in 4 days. This is my first exp with Choice Home Warranty and, so far, I am very satisfied!


ejtrevi

4/10/2026
Quick work to correct my problem and reliable workmanship. Also good on scheduling time.


wumighty0404.ea

4/10/2026
The job was well executed job. Technician was neat and clean, and respected our space.


W
Wallace B

4/9/2026
Everyone did a great job! Claim was handled fast, Virginia Appliance repair also was great with identifying the problem, ordering the part and replacing it promptly after they received it. I’m pleased! All good!


phx1jrf

4/9/2026
I entered my garage door claim and pretty much had an appointment scheduled with the repair company within an hour. Great follow up. Fortunately, I was able to fix the problem myself and again, Choice Home Warranty cancelled my request by the end of the day. I am very pleased with the response from CHW. Thank you!


osckar35v

4/9/2026
Mario, I appreciate your attendance and assistance with our requirements. Your performance was exemplary, demonstrating meticulous attention to detail and effective communication. I would recommend this technician to all my friends and relatives for their needs related to broken appliances.


923jarquin

4/9/2026
I recently purchased my policy for a new house am looking to purchase, when I filled out my info I was asked for billing address, wasn't asked for coverage address, so it automatically assume it was the same address for billing and coverage address, so the next day I called to make the necessary changes. Spoke to "Angel" he proceeded to help update the address. He started to tell me about the VIP package offered by CHW he explained in detailed the benefit of signing up explained it aprox 3 times, I was at work and needed to get off the phone, he got annoyed because I told him at this time I was not interested in the "upgrade" he got very aggressive on the phone and I do not appreciate ...Read More


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William C

4/9/2026
The repair was done in an excellent manner. I paid the repairman the $75.00 and he said he would e-mail me a reciept but I have not received one yet. I called him yesterday morning about it and he said he would send it right out to my phone. That was 24 hrs ago and still don't have it.


joe.eakins

4/8/2026
As of today my case has not been taken care of. I have been without hot water since the 25th of March. There someone assigned to it, but it seems like they are in no hurry.


skeagle76

4/8/2026
Technician was on time and very professional. He assessed the situation and was able to fix the problem. He left the area neat and clean.


B
Brent H

4/7/2026
In my area, tou have almost no trained service representatives, I've waited, more than once for over 2 months for an appointment. I would not recommend your service to anyone.


snoozie906

4/7/2026
Best Plumbing did a great job addressing my problems. Matt was great. He took a right first time approach.


salexander2837

4/4/2026
The repair man was wonderful, he explained everything well and even gave tips for keeping my washer in good repair.


patpilarbing

4/4/2026
I love choice home warranty! Twice I've had appliances that could not be repaired and they gave me a very reasonable amount to replace them. Thank you I keep telling my family and friends about you.


jallred39

4/2/2026
We have had Choice Home Warranty for years.Their service has always been excellent. We highly recommend Choice Home Warranty. Reasonable rates .


deirdrecm76

4/1/2026
Three times now I have scheduled appointments with technicians and three times now they have not showed up. The technician who eventually came was great, but this is unacceptable.


tyl.lee07

4/1/2026
I have had CHOICE service my properties and my parents’ for over 10 years and, in general, I’ve been very happy with their service. They respond promptly and professionally and I feel well taken care of, therefore I can recommend them without hesitation.


janchecar66

3/31/2026
The repair was only temporary, washing machine is having the same problem. It is not agitating during cycles. Your prompt attention to this matter would greatly be appreciated. Thank you, nancy yates


artiedukes

3/31/2026
Personable, professional and friendly! A good experience. I look forward to working with them again.


mapmaker72

3/31/2026
Microwave was not working due to a bad part. The Eletrolux technician pinpointed the problem and replaced the parts. The microwave is now working and I did not need a new microwave. This warranty helped me save money!


dprince47.dp

3/30/2026
I was pleased with the service provided. I would use the company again.


croberts80

3/30/2026
The service repairman did a great job hunting and finding and resolving the problem with our range not baking! His name was Jonathan Munoz with Tanner Appliance in Douglas, Ga. Thanks!


wbeach1

3/29/2026
Good coverage but responce time is long. May take a week to get help.


winkie6377

3/28/2026
I had a great experience with Choice Home Warranty. The technician arrived right on time, which I really appreciated. He was professional, knowledgeable, and took the time to thoroughly check the washer. Although the issue couldn’t be repaired, I was very pleased with how the situation was handled. They approved a replacement, which gave me peace of mind and showed they stand behind their coverage. Overall, the process was smooth, and the service exceeded my expectations. I would definitely recommend them to anyone looking for dependable home warranty service.


nick.bocajump

3/28/2026
Juan was on time, friendly, courteous and completed the repair quickly. He also offered useful advice on operating the dryer.