Choice Home Warranty Review

Rating: 9 / 10 (Excellent)
1,964 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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1964 Customer Comments & Reviews

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Dallas, Texas
Your employees are not helpful, they display a poor and unwilling attitude. They don't display empathy or acknowledge the problem.

Patricia P
Miami, Florida
Not happy with the air conditioning company AireServ in Melbourne, FL. The worker asked me to pay the labor charges and Choice Home warranty told me they should not have done this. It's not the money, it's just the principle. I'm home alone, with 2 men in my home and I felt uncomfortable with the situation. And I was afraid they wouldn't have fixed my air conditioner. I am happy with the Warranty company and how they helped us with the situation. Thank you.

David N
Las Vegas, Nevada
Last claim still unresolved, waiting on word from Choice on contractos’s solution to the problem

Catherine M
Dallas, Texas
Plumber was professional and courteous. His job performance was A+ and I love the way that he cleaned up after himself and put everything back the way it was.

Ted G
Phoenix, Arizona
No contact with me as the one who purchased the warranty and have now made my first and only claim. I have not had any contact with you after the technician you contacted came to my house, inspected the heat pump, called you to explain the problem (fan motor inop) and then, without any contact from you, explained the issue to me and stated hat your technician made the determination that the warranty would not cover the cost of the replacement fan. NO explanation made to me at all from ANYONE from Choice Home Warranty. NONE.

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.

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