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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,128 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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11128 Customer Comments & Reviews

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J
Juan c
8/9/2017
Hard to paid I was payed every month for about 3 and when I call having problems with my dryer they say it was old problem and refuse to fix


P
pete
8/9/2017
Had another company previously that always made up a reason not to pay the claim. In most part this company stands by there word. I have 3 properties under warranty with them and have been pleased with the results I have had.


M
Mary D
8/8/2017
The initial technician that Choice Warranty sent could not locate the Sub Zero part for my refrigerator. Choice Home Warranty stood behind their service and is reimbursing me for the total cost the Sub Zero technician that I called who had the part so that I could have my refrigerator working again.


Michelle Y
8/8/2017
Signed up for a 5 year plan. Called them with a plumbing and air conditioning problem. Ended up putting in all new plumbing not covered. Air Conditioner had to pay for cleaning. Still did not work. Called them 4 times that my air conditioner was not working. The technician told them that it needed to be replaced they would not cover the replacement said I had not taken care of it even though I had it serviced last year. Many times on the phone with them and then they finally told me it was to old to replace. Told the Technician that they could remove the new AC unit and leaving me with nothing. Then my water heater went out. Oh they don't cover the replacement for that either.... Read More


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Jackie M
8/8/2017
Took a while to get a repairman to my home due to the timing of the claim being called in right before a weekend.....butthe service of the CHW staff was very helpful and professional. Once the repairman arrived on Monday, the service was efficient and parts obtained and repairs made all in same afternoon!


Pat P
8/8/2017
Once again, Choice Home Warranty has provided excellent service and proved they are a company I can count on to help me alleviate problems quickly and efficiently when they arise. Their automated phone system is easy to use and their claims professionals are courteous, efficient, and always very helpful. I was assigned a technician within minutes and the company called me within an hour to scheduled a convenient time for a plumber to come to my home. Unlike two previous home warranty companies, I have never gotten the runaround from Choice and have never had a problem with any of the service companies they use. I would recommend them to family and friends and will continue to renew my... Read More


J
Jerry S
8/8/2017
The folks at CHW service department were great. I was with American home shield for 13 years and only used them 3 times, in that time I had to spend hours on the phone to get service call answered. I just had my central air stop working over the weekend, called CHW service, they answered within 3 to 4 minutes on hold compared to 2 hours with other company. They took info and dispatched me a service number, and before I could hang up the phone had an e-mail telling me all pertinent info about device people coming out as well as there phone#. Could not be happier with the service. Granted this was the first an only time I've used them. So far I love CHW. Sincerely Jerry in... Read More


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Earnestine
8/8/2017
Reference my first experience with BME Services, I was not pleased at all. The individual did not complete the job and I did complain to Choice Service Department. They sent another company (DVC Plumbing) out and I was very satisfied and pleased with Mr. Cole professional attitude. The job was completed within a 2 hour window. It took over a week to resolve my plumbing issues. Thank you!!


Minhaj Q
8/7/2017
this, company sucks imy garbage disposal was not working i open a claim ,,technician.. came to my house dignose the problem ,, he told me you need to replace garbage disposal,, after 2 hrs i got call from choice telling me we wont able to fix your garbage disposal,,,,,so please everyone dont waste your money,,


S
Sally L
8/7/2017
I had several other home warranties, I had used this 3 times in one month. All for different reasons. Pleased with all services. Thank you!!!



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