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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,395 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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11395 Customer Comments & Reviews

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C
Cindi
1/3/2017
Just cancelled this warranty. They try to get out of paying for anything!!! Every claim the repair people they would send never fixed the problem and would have to come back and on 2 separate claims 4 occasions were no shows and had to send a different company both times.


A
Arun K
1/3/2017
It is a big time scam!! They promised better coverage than American Home Shield and made me pay upfront for three years. Now that they have my money, they don't care about anything. I had a small $100 claim for Air Conditioning and they did not cover it without giving any reason. Their Vendor threatened me to send in the police if I don't pay. Now my water Heater has some normal leakage from the inlets and outlets and they will not cover it. The Vendor has asked for $900 to replace the tank. They want me to read the contract, no matter what the Sales Person promised.


Katie I
1/3/2017
They have a slippery way of getting around paying for any high cost items. I recommend that you get a copy of their contract and read it carefully before signing up with them. They are just out for your money and do not pay for anything. Our first two claims were denied for our heater and our water heater. If you want peace of mind, this is NOT the company for you!


N
nikki
1/3/2017
Great service. They got me a contractor quick to fix my issue


H
Harold S
1/3/2017
I researched Home Warranty companies and made a couple calls and decided to go with Choice Home Warranty (Mistake). Called to sign up and was told that everything would be cover. I was not told that only this part would be cover but not that. "All would be covered" I called with an air conditioning problem. The Technician came out and said it needs to be replace. The next day Choice Home Warranty called and said we won't cover the repair or replacement of that part. The Salesman was all about making the sale, not service. Be careful when signing up with these guys. I'm not happy!!!


T
Treed199
1/3/2017
They have always sent someone out promptly and I have been pleased with who they have sent. Most recently though I have been waiting for a month to get my check to cover the replacement cost of my dishwasher. I had a Maytag dishwasher and was only given $200 to replace my dishwasher which I felt was not comprable to the model that I had previously owned. When you take away the $60 that I had to pay to have a service person come out and tell me my dishwasher needed to be replaced I technically only have $140 to get a new dishwasher.


A
Anthony K
1/3/2017
I had a Choce Warranty account a few years back , I had let it go due to financial problem. When everything got back on track I began my search for a home warranty service. I found Choice to be the best and I'm back !


I
irenecarson
1/2/2017
With all due respect to the other reviews, I have to conclude Choice Home Warranty is the worst of the worst. My well maintained heater went out in November. The service repair technician diagnosed the problem as a burned out board, with some wiring that was affected. Choice told me they would only pay for the wiring ($181.00) as this was the primary cause of the failure, and they only pay for primary failures. Knowing a little about electronics, I informed them wiring cannot fail on it's own, it takes a power surge from a faulty electric component or a loose connector to burn out wiring. I threatened to cancel my policy and they decided to pay for the board ($445.00), but I had to pay for... Read More


Mark A
12/31/2016
Submitting the claim was super easy online. Within hours an email was sent with the technician's contact information. I made the call to the tech and they were out replacing my pool pump the same day! I highly recommend Choice Home Warranty.


A
amjpetlover
12/30/2016
We have really loved having Choice home warranty. They have always fixed things in a timely manner and have been so easy to work with! I highly recommend them.



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