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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Dana H
Dallas, Texas
The sales rep Ray was very nice and informative answered all my questions and told me about other offers available and promotions. I will recommend Choice Home warranty to my family and friends.

Patricia M
Phoenix, Arizona
Sales person answered all my questions, offered me an excellent plan for 3yrs..he was patient when I needed him to t Repeat info so I could write it all down. Hopefully when I need service they will come within 12hrs.

Newark, New Jersey
succinct and to the point. Answered all questions and appears to have competitive rates

Dallas, Texas
I talked to Frances when I called - it was my intention to sign up right away and I told him that. I wanted to sign on for 1 month initially - I explained to him (several times) that was all I could pay for right now. He pushed 1 year payment and then 3 years, I said no over and over and over again but he persisted and became defensive. Finally after going several rounds with this obnoxious man I hung up on him. Apparently he took it upon himself to go ahead and charge me - for 1 month - even though we did not have a firm meeting of the minds about what I expected. Pretty damned cheeky - or he's a thief. However this is what I asked for all along - 1 month to pay now, so I'll let the... Read More

Las Vegas, Nevada
I purchased a contract from Choice Warranty and four months later my A/C went out so I contacted their customer service which sent out a representative that affirmed I needed a new unit however they made an attempt to make it seem as if it was a preexisting problem however i reminded them the unit was over twenty years has been serviced on a regular basis but they refused to replace the unit. I did at the cost of over $10,000 out of my pocket. All I can say is buyer be ware.

David H
Ashburn, Virginia
The repair tech was very thorough in his work also very conscience about not messing up floor and extremely polite but the issue is not resolved because we are fearful of the appliance because it stopped working without warning and showed signs of burning the mother broad we would not feel comfortable with the mother broad being replaced and would rather have the appliance replaced

Nikki M
Chicago, Illinois
really cant give good opinon yet issue not done yet. But the tech you sent acted like my concerns was meaning less. And I just don't know how to use propane stove. You can see were insulation in stove is burnt. It smokes like a freight train, and it not dirty inside for it to smoke like it does. On washer he acts like just to throw parts at it because he likes that brand of washer. I don't agree with that. It not his basement to get water in it if he is wrong. I want to believe choice warranty I bought is a good company and it just service tech that came out. I hope my thoughts are right. Thank you Nikki Mottinger Angola IN

Atlanta, Georgia
I’ve had a claim open since January on my heat with no resolution. Technician comes out for the air now and choice supervisor tells me it’s nog covered due to neglect?? This is the worse warranty company I’ve dealt with. I switched from 2-10 because of pricing but I’ll sacrifice and go back to 2-10.

Luis F
Miami, Florida
Your service is Awesome..but was very disappointed when my pipes were cleared and was told they needed a hydro jet service which will cost me 425.00 this would be great if thru the HCW we could get a better deal.. Luis Figueroa US Army Retired Disable Veteran

Ashburn, Virginia
Claim was process and activated quickly. Service tech did an excellent job. Thanks for you help.

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