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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,392 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 Do We Rate Choice?

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

Our 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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11392 Customer Comments & Reviews

Loading Reviews ...
D
Dana
1/4/2022
My dishwasher repair claim was handled very quickly and professionally. Once I filed my claim, I immediately received acknowledgement of my claim and within two days the repair person showed up.


K
Kenneth K
1/4/2022
Pool company came and fixed the leak He knew exactly what was causing the leak and fixed it Thanks


stephcoomer
1/4/2022
Our technician Omar was amazing. It was the first time we had a technician from Choice Home Warranty that actually fixed the problem when they came out. No parts needed, no run around and nothing else we had to pay for to be repaired after he left. He was polite, courteous, and fixed our AC fast.


jerry
1/3/2022
Did not confirm that someone would be at our house before our vacation on Friday. That is important because it is a minor roof leak.


gmadee26
1/1/2022
When reporting a claim I asked for assistance for a leak under the sink. I received an appointment but Better Service said that CHE gave the wrong date. When the technician arrived he diagnosed the problem as garbage disposal fail. He went to get one but CHE said that was not what the claim was for they said it was a leak in the wall not what I said but a new claim had to be added and this would be two service call cost to me. Since the garbage disposal is under the sink. The email I received from CHW said the technician said that a different technician would be required but that was not the case the same technician that came here for the appt installed the disposal. He had even... Read More

Maurice W  
Official Response

Consumer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the customer experience, therefore, we appreciate your feedback. In efforts to proceed with the enhancement of our quality service, your feedback has been submitted to our Quality Assurance Team for review.

K
Kunal
1/1/2022
Disappointed again with what was assured versus the service we are getting. When purchasing the plan, I had confirmed with sales that kitchen appliances including exhaust vents and down drafts are covered in full. 5 months later, the down draft vent stopped working so I paid my deductible to get a tech on-site just to be told that CHW isn’t covering the broken parts (motor). Waste of time. Waste of money. Now I need to explain the whole thing to a claims admin who may not even call me back if the decision isn’t in my favor (has happened with me once in the past). I paid a little more with American Home Shield previously and never faced these issues, but they had longer hold times so I... Read More

M
Maurice W  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you were not satisfied with the determination of your claim. We are committed to providing a positive customer experience and we take all feedback very seriously. Choice Home Warranty provides home warranty service coverage on the systems and appliances listed as ā€˜INCLUDED’ under the terms of the User Agreement. We encourage all of our customers to review their coverage.

maurienature
12/31/2021
The technician who arrived at the house and diagnosis the problem explained every step in detail what the possible problem could be. And I received a call 30 to 45 minutes stating he is on his way. I like that.


pagray52
12/30/2021
The Technician was very prompt, professional & knowledgeable. He found out exactly what was wrong & fixed the problem.


mooreb1101
12/30/2021
They cover nothing and they have terrible customer service I would not recommend this company to my worst enemy.

Maurice W  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you do not feel secure with our company. Choice Home Warranty can assure you that you have our policy for all of the right reasons. We cover most mechanical failures that happen due to normal wear and tear on the main systems, items and appliances in your home. Choice Home Warranty encourage all of our customers to review their coverage.

gregory.jones3
12/30/2021
I been with CHW for about 4 years, and I can honestly say you can count on them for fast response and service.



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