Choice Home Warranty Review

Rating: 9 / 10 (Excellent)
1,949 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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1949 Customer Comments & Reviews

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Bobby R
Dallas, Texas
Mr. Scott Gross was a professional in every sense of the word. He was bot professional, polite, and knowledgeable. He answered all our questions and informed us of how to save some money in the process (senior citizen discount). He deserves to be rewarded for a job well done! Bob & Kay Robertson Policy number 840705260

Cesar G
Ashburn, Virginia
The worst, bad home warranty company. They're very fast in getting your money, but never responded to your claim. Never pick up the phone for the claim dept. I call and waited for 45 minutes .I just get tired of waiting. Do not buy a home warranty to this company this is a scamp!!!

Chicago, Illinois
Have been trying to get my A/C fixed for the last 2 weeks, My unit is maintained and cleaned every year and now your contractor comes out and tells you that my unit was dirty and doesn't note it upon his receipt(because it was clean). I called him up and called him a liar and his response was 'I thought it was dirty'. On several occasions I have to wait for someone to answer the phone anywhere from 40min to 1 hr 5 min. Then I have to listen to your jingle talk about how CHW provides peace of mind coverage. So very wrong on many levels

Los Angeles, California
The contractor was scheduled for Wed. but called with an opening for Tues. Took a short time to diagnose my dishwasher & ordered a * drain pump * for it. It will take about #4 days to get. Paid $45.00 cash with a receipt & I'll see them again soon... *** Choice; " So far so good."

Chicago, Illinois
May 8th placed a call for plumber. First appt. Was may 14th, changed to 15th then 16th . 8 days is too long for service. Given opportunity to handle problem ourselves but one reason we chose warranty service was to get problems resolved quickly by qualified companies without hassel.

Dallas, Texas
Been a customer for 4 years and both claims were the worst experience possible! It can all be summed up by reading their POLICY PARAGRAPH F.9; They use the language in this paragraph to put a stainless bath fixture component in a bathroom that all other fixtures were non-stainless. When In-Wall convection microwave completely went out, they authorized approx $800 of technician repairs but when one of the 6 parts was obsolete, stated this paragraph only requires them to pay for the value of the obsolete part and not total repair estimate or replacement. Either way, as the consumer, I still have a non-working microwave and no way to replace the $1800-$2200 unit for the mere $169 they... Read More

Donald D
Atlanta, Georgia
My visit with Scott was very nice. He went out of his way to help me. To the point of asking me what my age was so he could offer me a senior rate. In doing that he saved me money and made it so I won’t have to worry about the covered items for three years which gives me peace of mind. I would recommend that if someone is considering a home warranty to check this company out it will be worth your time.

Bernice H
Memphis, Tennessee
Good customer service. Since I'm a new customer can't comment on the other services

Ashburn, Virginia
I am highly satisfied with the professional plumbing services that were provided by Choice Home Warranty in record time for the appointment! Also, I saved more than $40 per monthly payment and as well as each claim by switching to a similar plan with Choice Home Warranty! I strongly recommend this company!

Chris P
Ashburn, Virginia
Worst warranty company I've ever dealt with! They are blatant liars and not trustworthy. I purchased a new home 2 years ago that had a Geo Thermal heating and air unit. After doing some research, I learned that there was great cost in repairs and replacement. At that time, I decided it would be a good idea to get a home warranty. I called a few warranty companies to see who covered Geo Thermal units. After speaking to a few, Choice Home warranties told me "absolutely! We cover service and replacement of the unit." Now I have been in the house for 3 years and have not had a problem with it until recently. So I called to start the claim with much confidence that this issue would be... Read More

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