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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,108 Customer Comments & 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 is Choice rated?

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

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

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10108 Customer Comments & Reviews

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Tom L
4/19/2024
I don't have a whirlpool/Bath or a cook top. I didn't get a chance to have those removed from my contract. I did get my 2nd fridge and freezer added. I did not get to ask about the fire place insert. Is that part of the heating system?


clina9090
4/19/2024
They were very helpful with all my needs. They call me within 24 hours. They were here the next day and fixed my air conditioner. Save me a lot of money.


kepets
4/19/2024
I think the option of gift cards to a particular store that take up to 30 days to process for a replacement at the wholesale rate it an insult on multiple levels. So I would have to wait up to 30 days for a store specific gift card and be out a washer? That makes no sense. Thankfully as a "courtesy" you are mailing me a check and I went and got the appliance on my own. I understand thats what the agreement says but I can definitely think of better ways of handling this from a business and customer service perspective.


whmcprs
4/18/2024
My technician, Darryl, arrived on time after texting me his ETA and promptly got to work diagnosing the problem of why my oven wasn't heating properly. He was very friendly, especially to my dog, and professional. He found the issue, had the part in his truck, installed the new part, cleaned up the area, tested the oven, and was done in about 45 minutes. Great job! So nice to have my oven working again and I am very happy with Choice Home Warranty.


rosstiffany81
4/18/2024
I’ve been working with Dillon for years and he’s very friend and accommodating. Anytime I make a claim I receive an appointment right away! I highly recommend Choice Home Warranty.


Lenny N
4/17/2024
GREAT Master of his craft. We just had service by Michael from King Electric LLC and I have to say his patience persistence and proficiency was extra ordinary. We are so grateful for his service.Please contact mike for all of your electrical needs Iam sure you will be extremely pleased as my wife and I are for his service l Lenny and Josephine


B
Bob M
4/17/2024
I placed my orders on Sunday for two items I needed to have done and the jobs were finished the next day. Technicians were very professional and finished their jobs quickly.


L
Lueseuse
4/16/2024
What I didn't like about CHW is they septic tank plan the company's they sit me up with to come out never come out are call you then they cancel and you have to start all over again it took me 3 weeks before they could get someone out and I had to get resolution involved the representative don't care they just dispatch my request out again. The good thing resolution got someone out after 3 request almost a month with know septic tank working I pay to much for this plan for this to be happening.


ataglance45
4/16/2024
Excellent phone experience calling to arrange technician follow up for my appliance problem.


montswife1999
4/16/2024
Our technician Abby was super amazing! From arriving to our home to leaving she showed nothing but perfection! We were very pleased with her knowledge of the task at hand! Very pleasant with a beautiful spirit ❤️ We would definitely recommend and request her assistance if needed!



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