Rating: 9.1 / 10 (Excellent)
11,868 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 on11,868 Reviews fromChoice customers
E
Emmanuel C

4/15/2026
Easy to make a claim. Quick response, Great choice of companies to fix our household problems.


Susan R

4/15/2026
I have been a customer of CHW for several years and I now think I will not renew. My washer broke and I was told twice that a repairman would come. Two times I stayed home waiting , but no one showed up. Finally 10 days later, TWO men showed up at the same time, and it was very awkward. I think this shows very poor management.


Susan R

4/15/2026
I have been a customer of CHW for several years and usually receive good service. However, this time there were several mistakes. My washer was not working and when I reported it, I was told a repairman would be at my house several days later, and I was given a four hour slot to be home to receive him. No one came, nor did I receive a call. I called the next day to complain and was given another date to expect service. Again, I stayed home expecting someone, and noone came. Finally, I called for the third time, and this time I was told that they need the model number of my machine, which I supplied to them. I was told no one could come until ten days later, and then. . . ..two rep...Read More


K
Kathryn

4/15/2026
So far so E*X*C*E*L*L*E*N*T I have another claim in though that they haven't completed so ask me in a couple weeks for an update. What I find excellent is that they have spoke to me so clearly about their operations, but follow thru is still yet to be seen.


S
Shanell L

4/15/2026
The technician was very friendly and detailed. He visually showed me the problem and advised me on how to prevent the problem in the future. He was extremely helpful with providing information concerning the matter and he was punctual. He showed up for the job a day earlier than scheduled we adequate communication.


fannylss7

4/15/2026
Technician was communicative and on time to come check my water heater. He was also diligent in sending all information to the warranty department to have a fast resolution. They installed the new water heater the next day in about two hours. I would recommend this technician.


kbreedlove50

4/14/2026
This is the decond time I've used First Choice in response to a pool issue. The tech, and his wife, are very friendly and he is very knowledgeable and qualified. He responded quickly to my warranty claim, quickly identified the problem and corrected it. I will gladly use First Choice in the future.


sakponf59

4/13/2026
Always prompt to answer a service call. I trust Choice Home Warranty. Loved it!


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


W
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.