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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,118 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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11118 Customer Comments & Reviews

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RAHIM D
5/23/2017
I called customer service 3 times and was on hold for 35 minutes no one answered. They dont cover much. My built in microwave went out they didn't covered and i had to pay $65 service call. My ac went out they didn't cover. Keep your money.


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Yvette L
5/23/2017
Whew! Did I just dodge a bullet with NOT signing up with this company. The sales rep was so aggressive that he would not even allow me to speak. He hung up on me in anger because I did not sign up immediately. What is up with this company?


J
Joan C
5/23/2017
I received excellent and prompt service from the CHW representative and 24 Hour Air. This was my first experience with CHW and I'm very pleased with the service. Joan C. 5/21/17


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Robert P
5/23/2017
They've stopped paying out claims. Normal wear and tear on a central ac/heat condenser 13 years old isn't accepted. Comment was condensers don't go out for normal wear and tear. 13 years old and that's not considered normal wear and tear.


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irina
5/23/2017
Hello! I'v been a customer for this terrible scam warranty for 2 months and I insured 2 properties, house and condo. My water heater went off and I needed to replace, it took multi phone calls and 5 days tills somebody responded: we cannot promise anything, because we cannot fix this, and this. Laying and promises after promises till I had to cancel and lose money. Finally I called the plumer and paid out of packet a full cost!!! I would never come back and trust this "warranty"!!! I told my friends and co-workers about this scam "Choice", and I will warning you: Don't trust them!!! There are better companies out there you can trust! Don't wast your money and time!!! Irina. Tucson AZ.... Read More


C
cora
5/22/2017
James from Somers Point Appliances did an excellent job on our dryer and on our refeigerator. He solved both problems very quickly and efficiently. He called us as soon as he received information from the dispatcher. He was able to set a time that was agreeable for both of us. He arrived on time, had all of the appropriate and necessary tools, and did an excellent job. We are very please and will definitely will request him for any future problems that we have. Thank you Cora Carfagno


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kim b
5/22/2017
After reading several of the reviews i've noticed the similarity in my claim regarding my AC unit. I just purchased my house 2 years ago with brand new ac units but the coils and other equipment weren't replaced they were still in good condition. I had an ac coil leak and was denied, the technician completed the form and did not indicate any further issues or any rust etc however, CHW denied my claim for excessive rust. After doing mediation they still refused to approve the claim. I spoke with the technician and he informed me it was just ac coil look, however, the warranty company will find any reason to deny the claim. The only reason why i purchased a home warranty plan was to help... Read More


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Antwan M
5/22/2017
CHW attention to detail and fast customer service is simply awesome. There is no hassle with their services, either fix it or replace it is the Motto with great coverage options as well...As a Service Connected Veteran of the Arm Forces, all Military personnel who own a home should have this excellent service progam...Thank again CHW...Hoorah


Annmarie M
5/21/2017
My Hvac system was out I call the office! Customer service was great! One hour later I receive a email about my technical guy ! The next day my Hvac was working great thank to CHW


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Louis I
5/21/2017
Home central air condidtoner would not start I call Home Warranty for service and less than 24 hours later a serviceman came to repair the air conditioner and running great again. The transformer burn out transfer was replaced and air conditioner is running great, thank you very much.



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