Rating: 9.1 / 10 (Excellent)
11,662 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

8.01
Based on11,662 Reviews fromChoice customers
farzintahmasbi

12/25/2025
I purchased the insurance 5 months ago. This was the first time I used it. Water heater was leaking at the bottom. CHW could not find any technician to come out and fix/replace it. I was told to look for a technician myself. I found one who showed up right away but the process to get pre approved the repair took too long and he left without doing anything other than telling me it needed to be replaced. The cost he quoted was $6,000. CHW authorized $1,300 for the replacement! That was disappointing since I assumed they would go with the max allowed for any appliance which is $3,000! I’m reevaluating the whole insurance plan. I’m not sure it is worth all the hassle specifically since I’m... Read More


D
Dan

12/25/2025
It was seamless from start to finish very pleased. I will tell friends and family about you.


earl.elzy

12/24/2025
He was not very helpful because he wasn't able to fix my stove.


shebeat52

12/24/2025
I called because my kitchen sink was clogged. The next day a plumber came to the house and the problem was solved. Can't ask for any better than that. I paid my copay of $65. He would have charged $125. Thank the Lord it was not a busted pipe in the ground.


M
Merrell P

12/23/2025
The $100 pre authorisation fee was not returned to my financial institution account. I would have been notified by my institution that it was deposited into my account.


J
Jeff M

12/23/2025
Jerry was very helpful and put together the best plan for us. He answered all of my questions quickly and professionally. Feel confident going with Choice warranty at this time. Jerry made be quite comfortable after my past unpleasant experience with a warranty company


corta693

12/20/2025
The response time was awesome. The service provider was excellent. The coverage we pay for sucks. There is always something you find to deny the claim


dornyearwoodlewis

12/19/2025
Thanks so much for your prompt response and repair to my Water Heater, it literally took 2days from request to replace, also the plumbing company Total Repairs Mooresville for their professional services.


evanmargaretsmith

12/19/2025
He was supportive, informative, professional, and left the areas he worked in spotless.


tremors1953

12/19/2025
The only thing that I was happy about. Was that my stove was being replaced. However, it wasn’t until I called I realized I was being cheated! Your company only offered a minimum of $420. To replace a $1300 gas stove? When I complained I was simply informed that was how it works! Which was total BS! Your company collected a lot from us for your services. Yet we didn’t receive a far response from your company! So my opinion is your company sucks well water! Your rating doesn’t show the true rate? Half a star is all I could give!


S
Sandra M

12/18/2025
The technician was very professional and knowledgeable with respect to me, my dryer and my home. I'm well pleased.


lgriffin27

12/17/2025
The technician was very knowledgeable and informative about my refrigerator. He thoroughly explained my issue and what resolution is required.


C
Christina H

12/16/2025
The technician contacted me before the service visit and asked several questions to make sure he brought the correct parts. I provided the make and model of my built-in microwave and explained that it stopped working while I was defrosting food. The lights went out, and the unit stopped functioning completely. When the technician came to my home, he diagnosed the problem but did not have the needed part. He also explained that, because the microwave is over 25 years old, the part might no longer be available. He said he would check the warehouse and, if the part was available, he would return to complete the repair; otherwise, the microwave would need to be replaced. I later received... Read More


regimil1319

12/16/2025
I used my warranty for the first time and it was quick. My issue was resolved and so appreciative for having this company for all my warranty needs!


vramirez20

12/16/2025
He was great, trustworthy and so helpful!! He made sure I understood the issue for future awareness.


krazybroad50

12/15/2025
I just purchased this Home warranty and I haven’t used yet, so I can not give a honest opinion yet. But I will update my status in the future. But customer service was very helpful at the time of my purchase and offered Military discount.


dlvendt

12/15/2025
The sales pitch for your product is a bit pushy and I asked several times to see a copy of the agreement and was told after I pay. Well, as suspected the limitations in 12 months on an item is $3k. That does not replace my refrigerator or my HVAC. This is why I wanted to review the agreement before agreeing to give up my credit card information. The tactics to get a sale or close the deal is not good.


arabyan.sargis

12/13/2025
I am extremely happy with this company. Our washer start making very loud noises. I called in and reported the problem. Next day I received a phone call from a repair shop vendor and was told they will come in next day. The technician came in and diagnosed the issue. Next day I received an email from the Choice that they are giving us a Lows gift card to replace our washer. Very quick resolution.


ber2007

12/12/2025
Great option for home warranty. Must be aware that contact with providers is not always too easy.


karlas1954

12/12/2025
The technician arrived in a timely fashion, quickly diagnosed the problem and resolved it promptly. I couldn't’t have asked for a better outcome!


lomickatx

12/11/2025
This was the worst experience I have ever had with a home warranty company. What joke from the time of contact until we were sick of being put off. They left us with an active water leak for over 3 weeks. We been put on hold time and time again as well as hung up on when we asked to cancel our policy. Wouldn't wish them on my worst enemy.


P
Phyllis T

12/11/2025
My furnace was reported out Dec. 6. My first appointment was to be on the 18th, which was unacceptable. I had to complain and got a new appointment for the 10th, which was still 5 days later. Repair was covered, which I appreciate, but won't be completed, until the 12th. Luckily, they were able to give me temporary heat, on the 10th.


johnrobles06

12/11/2025
Technicians were AWESOME! Professional, on time, cleaned up after themselves, and took the time to explain in detail what the issue was and what they were doing. Thank you Chris


mlyons0424

12/9/2025
They found a plumber and approved fast which was Eddyson plumbing. They was here with the issue fixed the very next day. Had another issue with garage door filed a claim a week ago and im still waiting.


C
candy.trial.cart

12/9/2025
Choice has helped us repair several things in our home. We've had appliance service, electrical, and HVAC thus far, and the technicians we have been assigned were great. It generally takes 24 hours to get your ticket assigned and most times we have only had a 2-3 day wait for service, which has worked out fine, as they were not emergencies. This has saved us a good amount of money on costly repairs that otherwise would have been expensive to deal with. Parts were covered, and all we paid was the service fee. For the year we've had Choice, it has definitely been a worthwhile investment.