Choice Home Warranty Review

Rating: 9 / 10 (Excellent)
1,703 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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1703 Customer Comments & Reviews

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Robert S
Springfield, Oregon
Service is awesome, but getting the job done is a problem . They take to long to get the service done or service

Nazareth, Pennsylvania
I contacted Melina approximately 10:00PM, but she was as fresh and helpful as if I was her first call of the day. She is knowledgeable, warm, concerned and efficient. It was truly enjoyable speaking to her despite the reason why. Well Done!!

Ellicott City, Maryland
At the beginning, I chose Choice Home Warranty for a peace of mind, also because their rate is the cheapest. Now I know there is a reason that their rate is “cheapest”, and I have made a big mistake. Two months after I ordered the plan, one day I found my refrigerator stopped cooling, and I called CHW for an inspection. Technician came and detected condenser fan blade and control board problem, charged service fee and said would come back to repair after one week. One week later, nobody called us, no any follow-up, we had to call the company to check status, after over one hour waiting and transferring, finally one manager answered the phone “oh, we were just trying to contact you, and... Read More

Chad W
Kingsport, Tennessee
So far, this group is on the ball! Thank you! A tech will be here tomorrow!

Claudette C
Winter Haven, Florida
It has been very pleasant working with you. I have had several homes under your warranty. Presently, I have 3 homes with you, and plan on signing up a new one in a couple of weeks. I recommend your warranty . to all my family and friends. I am happy to be a part of your organization. Thank You, Claudette

susan s
Longboat Key, Florida
when someone calls for service, they should not have to wait for any period of time. you also do not stand by your contracts. you try not to fulfill any problems that might be costly. this is my 2nd poor experience

Mike W
Destin, Florida
Easy to submit a claim online. Follow-up is usually pretty fast with Choice.

I really appreciate the way my call was handled, it was very timely help and was handled very professionally. I do not regret that I have this home warranty policy.

Shreveport, Louisiana
Terrible customer service. Customer service wait time are long. They do not look at your account to see whats happening before discussing an existing claim. Contractors do not show up. I'm selecting a new company

Douglas B
Nashville, Tennessee
I have had choice home warranty for two years and the fist time I called , the customer service was terrible. the supervisor told me he didn't have feelings and did not care if the problem got fix or not. It's sad that I paid these whole two years and got treated this was.

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