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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,136 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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10136 Customer Comments & Reviews

Loading Reviews ...
3/17/2016
I just got a policy with this company. The rep that I spoke with it said how wonderful the company and policy was. When I received the paperwork for the policy it listed more things they wouldn't cover than things they would. They wouldn't even cover a basic leak detection on the A/C. When I called customer service they were unconcerned with my issues. I advised the CSR that I would be cancelling the warranty and she was all to eager to transfer me to the department that handles it. I could even hear CSR in the background speaking rudely and in harsh tones.


I
Issac G
3/17/2016
I initially filed a claim with Home Choice (HC) Warranty on 3/3/16 as my water heater was not working. Living in Chicago, one can imagine the difficulty of taking cold showers. On 3/4/16, I was scheduled to have a plumber to service the water heater. I was informed by the plumber that they recommended that the water heater be replaced as the chance there is a 60/40 chance that replacing the parts would rectify the issue. On 3/8/16, it was determined by Home Choice that they would like to get a 2nd opinion regarding this matter. On 3/11/16, the second plumber came to service the water heater. They also recommended that the water heater should be replaced. Even still, Home Choice requested... Read More


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Pamela T
3/17/2016
We have Choice and will not renew. There are so many exclusions that they will find a way not to make a repair. They talked us into 3 years and said we could get a refund at any time if not satisfied. After 1 year we called them for an air conditioner repair and they refused to cover the repair so we requested a refund. Their reply was that we would only have 1 year refunded. Very poor customer service and very misleading. A total waste of money!


D
Dheeraj P
3/16/2016
We had multiple claims with choice home for the refrigerator. They have and managing claims very well. I would recommend this company.


3/16/2016
Once my new claim was placed online Choice Warranty was expedient with response. Also, the representative I spoke with on the phone was very professional & helpful. I immediately had contact information for repair company. Setting up appointment was a very easy process.


3/10/2016
My experience with Choice Home Warranty has always been amazing. They are extremely effecting about getting a claim and notifying a repair person for me to contact. They work with top notch repair companies near me. Each claim was handled without complications and have been a pleasant and refreshing experience. They never make you feel like an burden to them and seen genuinely concerned with getting your issue addressed. Thank you Choice.


S
Sam C
3/5/2016
Choice home warranty is extremely easy to deal with. They really care about your needs and take the time to listen. I've recommended all my friends and family to John Silva, he is well versed and the go-to person there. I think he may be a supervisor there... Not sure. 888-531-5403 ext 8399 I never do this sort of thing; however, all my issues have been resolved and John went out of his way to help us. Thank you.


B
Brandi S
3/4/2016
We have had two satisfied claims with Choice Home Warranty. They were diligent in making sure a contractor contacted us within 24 hours to make an appointment and that we were taken care of. I am not sure why there are negative reviews. We selected the plan we wanted and knew how much we would have to pay out of pocket based on the plan we chose. We also knew that the warranty would kick in after 30 days of purchase. All this is on the website stated clearly. We are completely satisfied with the service they have provided.


J
Joseph T
2/29/2016
This company denied coverage for the very first claim that I made. They solicited me for a year, I was already satisfied with Total protect for about 3 years not ever having a complaint but fell into the trap of trying someone else because they were soliciting and my renewal was coming up with TOTAL PROTECT which was AWESOME. NOT only did they deny my claim, I had to pay the $45 service charge and an additional $50 early termination fee. What a rip off, this company should be put out of business. It is disgusting that this type of crap is allowed to go. DO NOT BUY THIS PRODUCT, YOU WILL BE SORRY!!!!!!!!!!!


G
Gislene N
2/29/2016
promise not delivered, I get charged $60 for a technician to evaluate my washer, then Choice Home warranty refuse to pay to fix the machine stating the policy is not old enough. I still don't have a washing machine because I cannot afford to buy at this time. I was not aware that I must pay $60 for each inquiry



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