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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,362 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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11362 Customer Comments & Reviews

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Brenda
12/19/2020
So far, I have my personal property along with my investment property and all of my clients as a real estate broker signed up for Choice Home. The contractors contact clients within 24 hours and that is magnificent when you have a repair item. And, thus far each contractor has completed the repairs professionally and expeditiously. As long as they keep up the great work, I will remain fully committed to Choice Home!


J
Jess
12/19/2020
This is the second home warranty company I've used. The other one took forever- 2 hour waits on the phone, it was insane. I e never waited more than 5 minutes for a rep with this company. Usually (pre pandemic) they can book and send someone out really quickly. It has been a little slower with services (the one time I've used it during the pandemic) and they offered a reimbursement offer so if we could get someone out ourselves quicker.


R
Redelia F
12/18/2020
I was quite impressed with the service I received after experiencing issues with my central heating system. My claim was met in a timely manner, and the technician was professional, efficient and friendly. The problem was solved and was much less expensive than it would have been if I hadn't had Choice Home Warranty


M
Michael G
12/18/2020
New member(?) called the claim contact number, was placed on hold for approximately 4-5 seconds and a customer rep named JIM responded ,he quickly determined my needs gathered my information gave me my claim number and that was it The problem was handled quickly and efficiently no hassle very nice for a change.


kiaramathis95
12/17/2020
Technician scheduled the very next day. The quick service is amazing and I would definitely recommend this company to others


Arthur G
12/17/2020
I appreciated how though Todd was. We had many questions which were answered perfectly. We were so impressed with presentation and product, we bought for 3 years to start with choice warranty. I mentioned this to Todd, as he deserved the praise. Tell your supervisors. cause. As a retired business owner of many years, finding an employee who represents you and your mission statement speaks volume. Thank You. Arthur Leanos.


R
Robert D
12/16/2020
It was a pleasure speaking to Keisha Rice! She is very professional and caring about my needs and went above and beyond in hearing my past experiences with some of your competitors. She explained your outlook and I was very pleased to hear that she has been a happy member of your team for a long time...speaks highly of both of you. I am looking forward to a stress free co-existence! Thank you, Robert D Mitcham, Jr.


G
Glen M
12/16/2020
They were Very helpful. Service was timely I Will continue to use them


sgkchang3
12/16/2020
I appreciate the quick response from the Choice.... However the resolution would be faster in case of urgent needs in repair of specially the garage door issues.


S
surkunalingam s
12/15/2020
Water Tex Pool technicians were very knowledgeable, explained the problems as they saw it and called Choice, had the problem resolved before I knew it. In the future I want to only deal with this company for all my future pools services.



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