Choice Home Warranty Review

Rating: 9 / 10 (Excellent)
1,706 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?


Contract & Price
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.


Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
Typical Systems Benefit Limit

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


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?
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


Maintenance Records Required for Service?
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
NHSCA Membership
Number of Employees
TrustPilot Rating
9.3 out of 10
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

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

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1706 Customer Comments & Reviews

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Tampa, Florida
I just got a policy with this company. The rep that I spoke with it said how wonderful the company and policy was. When I received the paperwork for the policy it listed more things they wouldn't cover than things they would. They wouldn't even cover a basic leak detection on the A/C. When I called customer service they were unconcerned with my issues. I advised the CSR that I would be cancelling the warranty and she was all to eager to transfer me to the department that handles it. I could even hear CSR in the background speaking rudely and in harsh tones.

Issac G
Chicago, Illinois
I initially filed a claim with Home Choice (HC) Warranty on 3/3/16 as my water heater was not working. Living in Chicago, one can imagine the difficulty of taking cold showers. On 3/4/16, I was scheduled to have a plumber to service the water heater. I was informed by the plumber that they recommended that the water heater be replaced as the chance there is a 60/40 chance that replacing the parts would rectify the issue. On 3/8/16, it was determined by Home Choice that they would like to get a 2nd opinion regarding this matter. On 3/11/16, the second plumber came to service the water heater. They also recommended that the water heater should be replaced. Even still, Home Choice requested... Read More

Pamela T
Nashville, Tennessee
We have Choice and will not renew. There are so many exclusions that they will find a way not to make a repair. They talked us into 3 years and said we could get a refund at any time if not satisfied. After 1 year we called them for an air conditioner repair and they refused to cover the repair so we requested a refund. Their reply was that we would only have 1 year refunded. Very poor customer service and very misleading. A total waste of money!

Dheeraj P
Downingtown, Pennsylvania
We had multiple claims with choice home for the refrigerator. They have and managing claims very well. I would recommend this company.

Gilbert, Arizona
Once my new claim was placed online Choice Warranty was expedient with response. Also, the representative I spoke with on the phone was very professional & helpful. I immediately had contact information for repair company. Setting up appointment was a very easy process.

Cross Hill, South Carolina
My experience with Choice Home Warranty has always been amazing. They are extremely effecting about getting a claim and notifying a repair person for me to contact. They work with top notch repair companies near me. Each claim was handled without complications and have been a pleasant and refreshing experience. They never make you feel like an burden to them and seen genuinely concerned with getting your issue addressed. Thank you Choice.

Sam C
Ridgewood, New Jersey
Choice home warranty is extremely easy to deal with. They really care about your needs and take the time to listen. I've recommended all my friends and family to John Silva, he is well versed and the go-to person there. I think he may be a supervisor there... Not sure. 888-531-5403 ext 8399 I never do this sort of thing; however, all my issues have been resolved and John went out of his way to help us. Thank you.

Brandi S
Diamondhead, Mississippi
We have had two satisfied claims with Choice Home Warranty. They were diligent in making sure a contractor contacted us within 24 hours to make an appointment and that we were taken care of. I am not sure why there are negative reviews. We selected the plan we wanted and knew how much we would have to pay out of pocket based on the plan we chose. We also knew that the warranty would kick in after 30 days of purchase. All this is on the website stated clearly. We are completely satisfied with the service they have provided.

Joseph T
Holly Springs, North Carolina
This company denied coverage for the very first claim that I made. They solicited me for a year, I was already satisfied with Total protect for about 3 years not ever having a complaint but fell into the trap of trying someone else because they were soliciting and my renewal was coming up with TOTAL PROTECT which was AWESOME. NOT only did they deny my claim, I had to pay the $45 service charge and an additional $50 early termination fee. What a rip off, this company should be put out of business. It is disgusting that this type of crap is allowed to go. DO NOT BUY THIS PRODUCT, YOU WILL BE SORRY!!!!!!!!!!!

Gislene N
Jamaica, New York
promise not delivered, I get charged $60 for a technician to evaluate my washer, then Choice Home warranty refuse to pay to fix the machine stating the policy is not old enough. I still don't have a washing machine because I cannot afford to buy at this time. I was not aware that I must pay $60 for each inquiry

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