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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,118 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 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

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10118 Customer Comments & Reviews

Loading Reviews ...
M
Mary K
9/26/2022
Quickly handled by Choice. Repairman was delayed but fixed as soon as they got here


mbdickerson1
9/26/2022
Frig went out again with the door water not dispensing, took about a week to have someone come out and fix it, water line froze up. Service man was very polite knew what the problem was and fixed it quick.


mrgolden5
9/25/2022
Choice Home Warranty receives the Highest ratings on multiple Internet review sites. The various Discounts that are available are definitely a plus, especially the multiple-year offers. The Service Fee is low, compared to other Home Warranty companies.


bcdcbiz
9/25/2022
I received a very prompt, professional response to my recent repair claim regarding my home's air conditioning system. The assigned contractor has also been responsive and helpful during the repair process. However, my negative issue with this particular claim is the refusal of Choice Home Warranty to cover the potentially costly repair cost for my air conditioning system. The system's evaporator coil has developed a leak, which requires a replacement of the coil, which is still covered under the manufacturer's warranty. Both the equipment manufacturer and Choice Home Warranty refuse to cover the labor cost of the coil. I have experienced this type of manufacturer issue in the past... Read More


Terri H
9/25/2022
Very nice, knowledgeable and explained things very well. A Big Thank You for Alex's service! Choice Home Warranty is #1! Thank You!


gclark0030
9/24/2022
From start to finish, the communication and service was outstanding. Explained the problem and what was going to be done to fix it. Also gave some preventive maintenance tips. If I need appliance service in the future, they will be my first choice. Thank you Stacy & Clint. Keep up the good work.


Delores C
9/24/2022
A+++ service highly recommended fast service great customer service very knowledgeable


K
Kurt G
9/24/2022
So, far I just signed up on my phone. No hassles. I just got this email but nothing was sent to me in this email giving me all the phone numbers for claims or id# to give as a customer if I have to use the coverage.


M
Mark H
9/24/2022
Contractor was great! Choice warranty not good at all. When I up dated my policy I was told by sales person it was same contract and would not provide new contract for me to . When ac went out, i found out they switch to max pay out of 3k. That left me w a $4000 plus bill. When asked about in claim window. They told me what part of contract and then sieved the conversation and closed, so could not ask questions! Rude! Disappointed in CW sale tactics. I have 3 accounts with them really disappointed with them not keeping same contract agreement.


P
P G
9/23/2022
0 stars False advertisement from sales representative when I purchased my plan. I was told if Choice decides to replace an appliance such as a dishwasher that full replacement value is covered. I can’t even buy the handle to the dishwasher with the amount of money that they gave me to replace it. I have paid over 3,000.00 into my plan!! Waste of money! I will be canceling my plan and going with an honest company. The manager that helped me was very dishonest and rude.



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