Rating: 9 / 10 (Excellent)
1,954 Customer Reviews - see all comments
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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 Plan
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.

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.

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.

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 - 7.9 / 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
  • First Month Free + $50 Savings
  • 24/7 Claims Hotline
  • No Inspection Required
  • Fast, Reliable, local Technicians
  • Dedicated Support Team

Latest Choice Reviews

7.33
Based on1,954 Reviews fromChoice customers
J
jamesshumake@outlook.com
Dallas, Texas

5/22/2018
Very unhappy. Sent a plumber? from 4 hours away. No help when I called. Technician requested to be paid in cash and I refused. Need out of this contract.


D
David M
Atlanta, Georgia

5/22/2018
Avoid them. They haven’t paid for much of anything (have had issues with dishwasher, sump and water heater) other than someone showing up and diagnosing the problem. They even left us without water for 4 days !!!!


R
Rebecca F
Denver, Colorado

5/22/2018
Claim made 5/8/18. Tech was here 5/21/18. Two weeks is unacceptable. Your company trying to find the best deal and trying to say I have to pay the mileage?!? Once the Tech was here he was on hold for over 45 minutes trying to get authorization because he had to call for any amount over $100. Are you kidding me? Please tell me what type of home repair would be under $100. That is absolutely terrible. You need a separate phone number for the technicians to call so they are not wasting their time. I had a home warranty company prior to yours. I know what to expect. I'm terribly disappointed with my first experience with your company. I pray my next claim goes smoother and... Read More


E
Elton B
Memphis, Tennessee

5/21/2018
Craig was great. He assisted me in my decision to change companies.


N
nathan
Chicago, Illinois

5/21/2018
this company is not a good home warranty company. i have them now and unless you want to pay for all your repairs you should look elsewhere. they will gladly take your money and when come time for a repair deny you fast.


L
Larry J
Dallas, Texas

5/21/2018
You have a good plan and service fee I have read reviews before I made choice I believe this company is their word


K
Kim
Dallas, Texas

5/21/2018
I can't give this company a bad enough rating. They have taken my money for over 3 yrs and now my first claim for a simple thermostat replacement has taken 3 weeks with 2 shoddy contractors. And still not fixed. Contacting Tx licensing on contractor and after reading all bad reviews am trying the local TV stations about this rip off service. DO NOT WASTE YOUR MONEY!


M
Mitchell C
Atlanta, Georgia

5/21/2018
Looking into suing Choice Home Warranty for poor service on my heat pump. This company does everything possible not to pay a claim !


D
Denver
Dallas, Texas

5/20/2018
I believe I was taken advantage of. I was made pay $200 more because they told me the outside unit was dirty. It I found out after I paid them they also replaced a part that was really the cause. I feel taken advantage of. I want to know what your company is going to do about it.


R
Robert
Dallas, Texas

5/19/2018
Troy Wolfe is amazing!!! He was knowledgeable and very helpful with all of y'all's products and policies. Give him a raise and an extra paid week off. Regards, Robert Gould


H
Harvey
Dallas, Texas

5/19/2018
Your employees are not helpful, they display a poor and unwilling attitude. They don't display empathy or acknowledge the problem.


P
Patricia P
Miami, Florida

5/18/2018
Not happy with the air conditioning company AireServ in Melbourne, FL. The worker asked me to pay the labor charges and Choice Home warranty told me they should not have done this. It's not the money, it's just the principle. I'm home alone, with 2 men in my home and I felt uncomfortable with the situation. And I was afraid they wouldn't have fixed my air conditioner. I am happy with the Warranty company and how they helped us with the situation. Thank you.


D
David N
Las Vegas, Nevada

5/18/2018
Last claim still unresolved, waiting on word from Choice on contractos’s solution to the problem


C
Catherine M
Dallas, Texas

5/18/2018
Plumber was professional and courteous. His job performance was A+ and I love the way that he cleaned up after himself and put everything back the way it was.


T
Ted G
Phoenix, Arizona

5/17/2018
No contact with me as the one who purchased the warranty and have now made my first and only claim. I have not had any contact with you after the technician you contacted came to my house, inspected the heat pump, called you to explain the problem (fan motor inop) and then, without any contact from you, explained the issue to me and stated hat your technician made the determination that the warranty would not cover the cost of the replacement fan. NO explanation made to me at all from ANYONE from Choice Home Warranty. NONE.


B
Bobby R
Dallas, Texas

5/17/2018
Mr. Scott Gross was a professional in every sense of the word. He was bot professional, polite, and knowledgeable. He answered all our questions and informed us of how to save some money in the process (senior citizen discount). He deserves to be rewarded for a job well done! Bob & Kay Robertson Policy number 840705260


C
Cesar G
Ashburn, Virginia

5/17/2018
The worst, bad home warranty company. They're very fast in getting your money, but never responded to your claim. Never pick up the phone for the claim dept. I call and waited for 45 minutes .I just get tired of waiting. Do not buy a home warranty to this company this is a scamp!!!


R
Ron
Chicago, Illinois

5/17/2018
Have been trying to get my A/C fixed for the last 2 weeks, My unit is maintained and cleaned every year and now your contractor comes out and tells you that my unit was dirty and doesn't note it upon his receipt(because it was clean). I called him up and called him a liar and his response was 'I thought it was dirty'. On several occasions I have to wait for someone to answer the phone anywhere from 40min to 1 hr 5 min. Then I have to listen to your jingle talk about how CHW provides peace of mind coverage. So very wrong on many levels


R
ROB R
Los Angeles, California

5/17/2018
The contractor was scheduled for Wed. but called with an opening for Tues. Took a short time to diagnose my dishwasher & ordered a * drain pump * for it. It will take about #4 days to get. Paid $45.00 cash with a receipt & I'll see them again soon... *** Choice; " So far so good."


D
Donna
Chicago, Illinois

5/17/2018
May 8th placed a call for plumber. First appt. Was may 14th, changed to 15th then 16th . 8 days is too long for service. Given opportunity to handle problem ourselves but one reason we chose warranty service was to get problems resolved quickly by qualified companies without hassel.


G
Gordon
Dallas, Texas

5/16/2018
Been a customer for 4 years and both claims were the worst experience possible! It can all be summed up by reading their POLICY PARAGRAPH F.9; They use the language in this paragraph to put a stainless bath fixture component in a bathroom that all other fixtures were non-stainless. When In-Wall convection microwave completely went out, they authorized approx $800 of technician repairs but when one of the 6 parts was obsolete, stated this paragraph only requires them to pay for the value of the obsolete part and not total repair estimate or replacement. Either way, as the consumer, I still have a non-working microwave and no way to replace the $1800-$2200 unit for the mere $169 they... Read More


D
Donald D
Atlanta, Georgia

5/16/2018
My visit with Scott was very nice. He went out of his way to help me. To the point of asking me what my age was so he could offer me a senior rate. In doing that he saved me money and made it so I won’t have to worry about the covered items for three years which gives me peace of mind. I would recommend that if someone is considering a home warranty to check this company out it will be worth your time.


B
Bernice H
Memphis, Tennessee

5/16/2018
Good customer service. Since I'm a new customer can't comment on the other services


H
H R
Ashburn, Virginia

5/16/2018
I am highly satisfied with the professional plumbing services that were provided by Choice Home Warranty in record time for the appointment! Also, I saved more than $40 per monthly payment and as well as each claim by switching to a similar plan with Choice Home Warranty! I strongly recommend this company!


C
Chris P
Ashburn, Virginia

5/16/2018
Worst warranty company I've ever dealt with! They are blatant liars and not trustworthy. I purchased a new home 2 years ago that had a Geo Thermal heating and air unit. After doing some research, I learned that there was great cost in repairs and replacement. At that time, I decided it would be a good idea to get a home warranty. I called a few warranty companies to see who covered Geo Thermal units. After speaking to a few, Choice Home warranties told me "absolutely! We cover service and replacement of the unit." Now I have been in the house for 3 years and have not had a problem with it until recently. So I called to start the claim with much confidence that this issue would be... Read More