Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more

Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,103 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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 is Choice rated?

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

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

Leave a comment for Choice Home Warranty
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

10103 Customer Comments & Reviews

Loading Reviews ...
Eva M
10/4/2022
Rating: minus 5 stars. I put the claim in on 9-9-22 for a leaking faucet and got a call from the plumbing company for an appointment. But because they got the wrong address they could not come until the Choice warranty company issued a new ticket. A plumber came on 9-14-22, found the faucet leaking, and said that he will order a new one and let me know when. I got an email with a date of 9-28-22. Nobody came that date and the next day, 9-29-22 I got an email, that the plumber marked the work unnecessary and nobody will come on 9-28-22. He saw the leakage and I have it documented on a video. They had the insolence to charge me a service fee. When I complained, they refused to credit the... Read More


Alan E
10/4/2022
Service provider was in touch with me within the allotted time. Communication between the technician (Mike) was very good. and his technical knowledge was excellent. Mike did a thorough job communicating the process. I rate Mike 10 stars on a scale of 1 to 5 stars. Very happy


Ted S
10/4/2022
Anthony and Tony were prompt, extremely helpful, willing to answer questions and friendly. Most of all they knew what they were doing and resolved my issue quickly and efficiently. A perfect combination for a hard of hearing, mid-seventies man's first experience with your company.


Marshall T
10/4/2022
Very knowledgeable and professional and polite He had the problem with my cooktop stove very fast and did a wonderful cleanup


Rodolfo L
10/4/2022
Kind. and at the same time person. His performance was highly professional !!


Tommie M
10/3/2022
Great customer service and a quick response. Will see if the technician resolve the problem!


Giovanna L
10/3/2022
I'm leaving a review that should both be informative, as well as constructive, because Choice Home Warranty took more than 7 days to resolve a water well pump issue. If it was just a microwave or even a dishwasher, by all means we could wait however long it takes to find a service provider in my area. But we could not wait for more than a week, because our house well pump malfunctioned which rendered the entire home without water. That said, selling a homeowner a Whole House Warranty and not having service providers at hand in the area in which they live in and making them wait 7+ days for service provider because you could not find one, is unacceptable. Also, trying to make the... Read More


Linda H
10/3/2022
Did an excellent job. Went out of his way to correct the problem.


Dan H
10/2/2022
He arrived at the time he promised, looked over the situation, did some testing and found the issues I was having. Like always, Choice sends an experienced honest technician. Hard to find today!


Darry D
10/2/2022
great so far only starting order for technician to arrive to fix item



Top Rated
Our Partner

Spring Offer: Get $50 Off + 1 Month Free

  • 24/7 home warranty service
  • Offers service contracts
  • Nationwide network of 15,000+ pre-screened contractors
  • More than 2M homes covered across the US
  • Get a quote in 30 seconds