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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,647 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 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

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11647 Customer Comments & Reviews

Loading Reviews ...
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.



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