Choice Home Warranty Review


Rating: 9 / 10 (Excellent)
1,967 Customer Comments & Reviews - see all comments
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Choice Home Warranty is a New Jersey-based company founded in 2008. Their plans offer comprehensive protection against the high cost of repair or replacement of major systems and appliances in the home via two different plans. Each plan also features additional coverage for Septic Systems, Pool / Spa, Well Pump, Sump Pump, Central Vacuum, Limited Roof Leak, Second Refrigerator, and Standalone Freezers.

How is Choice rated?

Breakdown

9/10
Coverage
8/10
Reputation
10/10
Contract & Price
10/10
Claims & Service

Overall Rating: 9 / 10 (Excellent)

Choice Home Warranty offers a full array of home appliance and systems coverage at a competitive price. Submitting a claim can be done at any time, including through the internet. Unlike some of their competitors, the company does not impose an annual cap on pay-outs. However, the company's reputation has suffered due to some recent regulatory actions.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
$1,500
Typical Systems Benefit Limit
$1,500

Coverage - 9 / 10

Choice Home Warranty's coverage of home systems and appliances is squarely in line with industry practices. They exclude malfunctions caused by failing to provide proper cleaning or maintenance. Refrigerators, air conditioning systems, washers and dryers are excluded from coverage by the basic plan, but can be added in the premium plan. Although the company does not impose a yearly maximum payout, coverage on most items is capped at $500 or $1,500.

What does Choice cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Central Vacuums
  • Ceiling Fans
  • Ductwork
  • Sump Pumps

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer

Exclusions

For a full list of Choice exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $370
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 9.7 / 10

The annual premium for Choice Home Warranty coverage is $370, which is very competitive within the market. The company's co-pay for a service call is $60, 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 refund of the paid contract fees, less a $50 administrative fee and any service costs incurred by the company. 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. All cancellation requests must be submitted in writing.

Claims & Service

Claims

Maintenance Records Required for Service?
Yes
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
30 days

Claims & Service - 10 / 10

The company's claim center takes calls 24/7/365. Claims can also be made online, a feature that most other companies do not offer.

Choice Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
51-200
TrustPilot Rating
9.3 out of 10
BBB Rating
B-
BBB Rating
95
BBB Neutral Reviews
21
BBB Negative Reviews
495
Date Collected
2017-07-26

Reputation - 7.9 / 10

Choice Home Warranty is not BBB-accredited, but they do have a B- rating with the organization. Although negative reviews far outweigh positive ones, this is not unusual within the home warranty industry and is frequently due to customers misunderstanding coverage terms. However, the company has been reprimanded twice by the BBB for improperly offering financial incentives to clients who leave positive reviews. In 2015, the company paid $780,000 to the State of New Jersey to settle claims brought by the state alleging that the company engaged in various unfair and deceptive consumer practices.

Contact & Additional Information

Homepage URL
Company Phone
(888) 531-5403
Headquarters Address
1090 King Georges Post Rd, Edison, NJ, 08837
Year Founded
2008

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1967 Customer Comments & Reviews

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S
Sam k
Coldwater, Michigan
11/19/2016
My oven wasn't working so I called Choice. They responded immediately with a number to contact. The repair company was quick to come out and repair the oven.


L
Linda R
11/17/2016
Was very pleased with service for my refrigerator.


T
tonya
Columbus, Ohio
11/15/2016
I was having issues with my refrigerator and dishwasher and choice had it taken care very quickly. Would definitely recommend to family and friends.


L
Lindsay G
Fort Defiance, Arizona
11/14/2016
Found a leak in the basement and called to start a claim. Response time was fast but claim service was terrible. Took three weeks to get a contractor out here which was out of Choice Home Warranty's control. Contractor came out, cut into the basement wall, and found where the leak was coming from and that it had been slowly leaking for some time. Was told by the contractor that more approval would be needed and that his company would contact our warranty company. Warranty company called an hour later to inform us that it would not be covered as it had been leaking for more than 30 days. Offered us $100 for the inconvenience of the contractor cutting into the basement wall and said they... Read More


D
Decarlo W
Baltimore, Maryland
11/13/2016
This is my first time with Choice HOME Warranty and I am very pleased with my service. The Technician that came to our home was very good at his job and he fixed our problem in no time.


S
sandra s
Red Bank, New Jersey
11/12/2016
Could not have been an easier process. After having one bad experience with a technician (for an unrealated issue) they had no problem letting me choose a technician that I had a great relationship in the past for this current issue. That made all the difference.


C
Courtney G
Weatherford, Texas
11/11/2016
Prompt service and resolution to my issue.


P
Picasso
San Antonio, Texas
11/11/2016
I was extremely dissatisfied with the handling of my claim with Choice. They sent out one of their licensed and approved vendors to look at an issue I was having with my ac ducting. The AC specialist noticed there was a leak and it had caused some mold. Choice said they would not cover the cost to get the ducting cleaned because the unit was installed improperly. The vendor himself told me and told Choice home warranty that the unit was not installed improperly. The installation of the unit was fine. Choice decided to deny my claim based on some “guidelines” when their own licensed and approved vendor said this was common place and nothing was wrong with the installation of the... Read More


Peter S
Carmel, Indiana
11/11/2016
Each time I put in a request for service I am contacted within 1-2 hours, which is an amazing response time. The technicians they send out usually come within 1-2 days as well. I am very impressed with Choice HW. Prompt service is very important, and they deliver!


K
Khandavid
Tampa, Florida
11/11/2016
Excellence service, quick response and correspondence



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