Choice Home Warranty Review


Rating: 9 / 10 (Excellent)
1,716 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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1716 Customer Comments & Reviews

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Linda P
Crosby, Texas
6/7/2016
Quick response to request for service. Item needed to be replaced. The item was replaced without question. Techs were professional and we'll informed.


Darlene G
Houston, Texas
6/7/2016
Wont pay claims. Quick to take your money, but refuse to pay large AC claim


G
Gary J
Wylie, Texas
5/26/2016
Be careful, they don't cover water heater tanks or dampers on your heating or AC systems.


khalid a
Spring Lake, North Carolina
5/12/2016
Worst home warranty. I got it last year. First of all customer service is so poor that you have to wait for half an hour to speak to someone. When ever you place a claim you will find out that it is not covered by warranty. It is useless warranty. I will not recommend any one to buy it. - Khalid Aziz MD


Margie H
Wichita, Kansas
5/4/2016
I would not trust this company. I was with them for a year and when I signed up I was told I had the best plan you could get. When my hot water heater went out they lied to me and told me I didn't have the plan that covered that. If they can't fix it and it needs replacing, then you're out of luck.


R
Rory E
The Colony, Texas
5/4/2016
We recently filed a claim for our air conditioning unit. It is not cooling and a contractor was dispatched and arrived quickly. They informed us that we would need a new condensing coil and possibly a new system. He took all the information and was told we would be contacted by Choice. In the past three days, I have received a call from Choice and when answering, I was placed on hold waiting for a representative. Each time, after 20 – 25 minutes, the call was terminated by Choice. I phoned back and the same thing happened. We then called sales and the call was immediately answered, but of course they transferred me to another number where I was on hold for 15 minutes before a person... Read More


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Darrell H
Port Richey, Florida
5/2/2016
We are having a hard time with this company. We have a claim in now. hopefully it will cover. We have a spa Go out does not cover it because it is in our floor not in the ground. We paid 2 years for this coverage and found out waste of money. Got reimbursed $40 and they will not reimburse for the full two years. Had a Air condition go out does not cover. We have a claim in now with our water pump. I had to find our own company because we had to wait all weekend and still they did not have someone. Paid ourselves hopefully they will cover the cost and reimburse us. Fingers crossed. All of this has gone out in a few month period. Company is not friendly. All that money down the drain,... Read More


V
vandana
Frisco, Texas
4/20/2016
A little more than a year ago I switched to choice home warranty to cover warranty for my home. As per their offer, I paid for 5 years warranty in advance. Until last week I used them only once for a very small issue. Last Thursday reported lack of cooling (claim #57134237) and they sent someone to check. There was no Freon in the AC unit, so they asked me to do Leak check at my cost, as they did not cover this. I got it done from their technician and paid for it. The findings were that evaporation coil is leaking and needs to be replaced. Now they are telling me they won't cover this. When I purchased the warranty, i was told that all air condition issues were fully covered. They are... Read More


S
suzan
Alpharetta, Georgia
4/18/2016
this company is bad news. avoid them like the plague. I have called several times for problems. I paid $45 service call each time. NO work was ever done. No follow up apt to do work was ever made. NO follow up from Choice warranty regarding work done to my satisfaction no follow up. nothing EVER completed. made many calls to no avail. I am out money and they have NEVER fixed a thing or shown up again. no communication form Choice Warranty or their vendors. waste of money. refused to refund me for service calls paid. they said 'they are visits'. I said 'then why do they call them service calls and shy am I paying this?'. I call, tell them exactly what's wrong, they show up not prepared to... Read More


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Alisa D
Beaverton, Oregon
3/29/2016
Choice sent the Wire Nutz team out to fix my thermostat brcause the old one burnt out. They were very professional and fast while setting my mind at ease. Thank you Choice Warranty for having such great service!



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