Choice Home Warranty Review


Rating: 9 / 10 (Excellent)
1,718 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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1718 Customer Comments & Reviews

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M
MaryAnn P
Lake Worth, Florida
2/21/2018
Amazingly fast service (next day)!! Knowledgeable, courteous and dependable technician!!


Z
Zach E
Indianapolis, Indiana
2/20/2018
It was a hassle and cost significant time to originate a service claim for a service I didn't want to be without (hot water) for days. They promised that someone would *schedule* an appoint with within 24 hours with no promise on when they would eventually make it out for the repair. Eventually they let me schedule my own technician under the reimbursement process after several hours went by without being addressed. This process also turned out to be significant hassle; probably 45 minutes on the phone for authorization and they didn't cover the full cost that I incurred. All except the claims supervisor (that called at the end of the process) were nice enough to deal with,... Read More


S
suni
Crossville, Tennessee
2/20/2018
person on phone was very helpful


W
William M
Swedesboro, New Jersey
2/19/2018
Two years ago I had a major issue with this company I was called an sash;e because I wanted something fixed but Choice wanted me to wait until 2 days later I had no hot water the tech they sent was a dope and didn't do the right thing I almost dropped the coverage there are other companies that offer same service, however I decided to give it one more shot since then I has 2 issues and Choice did a great job solving them don't know what happened in two years however I am glad it improved


K
Kathleen M
2/19/2018
Price is right and it seems they cover more than my previous company. So far I do not like the constant phone calls and solicitation emails.


S
Sharen S
Cleveland, Ohio
2/16/2018
I talked with Brett about CHW and he explained everything to me. The warranty I have now is terrible(ORA) I had too pay for everything out of pocket. I'm not lying either. This CHW sounds really good and I hope it's true to its word. Thanks Brett


R
Roberta M
Pinellas Park, Florida
2/16/2018
The customer service representatives were very professional and able to provide information and assist with the warranty.


F
Felton R
Katy, Texas
2/16/2018
The service representative was really helpful in reaching a decision to cancel my policy with First America and switch my contract to Choice. He offered me several ways that I could finance the deal, which was helpful because of my financial situation. I am beginning my contract with your company on a positive note. Thanks.


Peggy H
Tucson, Arizona
2/16/2018
The Senior cost savings are greatly appreciated. The on line claim as well as phone in claim process work very well.


Deborah J
DeLand, Florida
2/15/2018
I had a different home warranty prior to this and wasn't 100% satisfied with the people that they sent out to your home to the warranty work. I like that CHW's people have to go through a screening and have proper ID. I was also extremely happy with the deal that I got for 3 years with an additional 6 months free. $45.00 for a service call isn't too shabby either. I'm excited. Appliances and other things like Heat & AC can be costly. I think I made the right choice!



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