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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,129 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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11129 Customer Comments & Reviews

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susan w
8/19/2017
I have had Choice for 3 and 1/2 years. Every time I filed a claim I had an awful experience to get the problem fixed. Their first response is always refusal due to maintenance issues-even before anyone had looked at the problem. They claim to make the customer stress free. I have had exactly the opposite experience. My a/c broke down when the temperature was 115 and Choice eventually refused my request to have them pay $1500 when I replaced the whole system for $11,000. I do not recommend Choice Home Warranty to anyone. Even their vendors recommend any other warranty but Choice. They are a customer "no service" company that cause the customer un-ending STRESS!


T
Terry S
8/19/2017
Very satisfied with service provided by Yantra Air. Called to let me know that he could arrive earlier which made me extremely happy. Expained issue with my air conditioning and fixed it in a prompt manner. This was my first time use of Choice Warranty and great experience. Thank you Terry Sigety


Jane T
8/19/2017
Very satisfied with service and service provider. Air conditioner was repaired and tec. that came out very pleasant and provided good explaination.


Jerry E
8/18/2017
Had a problem with my air-conditioner Choice Home responded quickly. Everyone was nice and understanding, problem solved. Thanks


C
chris d
8/18/2017
8/18 While comparison shopping home warranties, I called Choice. The gentleman was initially friendly stating he would get me a good price. We talked for a bit about their plan and said he could lock in the premium right now. When I explained that I wanted a quote to compare with other quotes with my wife, he got an attitude. He said I should call back when I am ready to buy then he would give me a price. I ended the call and told him I would take my business elsewhere.


R
Rosalie B
8/18/2017
Their representatives are very friendly, courteous and efficient. Their service provider partners are the same. Elite Pro and Brown Mechanical reps were very courteous and patiently explained the problems, including the whys, hows and whats. And Choice's reasonable price and call fees puts them over the top! Thanks, Choice!


R
robert c
8/18/2017
The company that came out did an very good job and replacing a component which fixed the issue right away. Note: Please have shoe covers available for your technicians as mud came in on their shoes. Otherwise they did a very good job.


L
Lura Y
8/18/2017
Choice Home Warranty is the Best!. You are right there when I need you. You do all the work for me. You get well qualified company to fix whatever needs to be fixed. Lots of times it can fixed the same day but if not the same day it is very soon the next day. They have fixed my dryer and washer and my dryer again(something different)just yesterday. The guy was a very nice person and cleaned his mess up. Choice Home Warranty knows exactly who to call to help you. They're experience is wonderful and that really helps you the people. Thank you!


S
Samuel B
8/18/2017
My air conditioner was blowing hot air, CHW assigned me a technician and now I have cold air, CHW did a great job! Sam


K
Karen A
8/17/2017
Always great service! We have used Choice Home Warranty on multiple homes for about 5 years now, and have always been pleased with the excellent customer service and great coverage. The service providers are always punctual and professional, courteous and thorough. Thank you!



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