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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,300 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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11300 Customer Comments & Reviews

Loading Reviews ...
Richelle G
6/11/2020
The tech was great he was very knowledgeable and was able to get the issue resolved.


lurbina33
6/11/2020
Unable to reach choice warranty by phone. Each time I opted to get a call back, the call was not answered.


Darlene A
6/11/2020
Did a great job, very helpful and took care of us in a timely manner.


D
Debra M
6/10/2020
We submitted a claim, took a couple days, but we found the problem on a holiday weekend. The company they found to come out and check it, was very friendly, knowledgeable, and helpful. Still waiting for the work to be done, but so far it’s been great!


chunnwa
6/10/2020
Great Home Warranty coverage. Had an A/C problem. Technicians arrived on schedule, quickly diagnosed and fixed the problem (less than an hour), I paid my very low deductible, and presto we were done. Great coverage, great service. Best in Classs for sure.


F
FREDERIC w
6/10/2020
The technician is very knowledgeable but I do believe he took advantage of both me and you. My A/C problem was a plugged drain. This was cleared and the A/C came on and cooled. After checking the entire system he said the drain clearing was not covered by insurance and charged me $120.17. This I paid by credit card. Reporting this yesterday to one of your reps, she said you had approved a pound of coolant. I do not think he brought anything but a few tools into the condo. This is a secured building. I met him upon his arrival. I let him into secured parking and the secured building. Although I did not go with him to the roof to inspect the compressor, he could not have gone back to his... Read More


pradip.kpadhy
6/10/2020
It was Good for a Garbage compacter(kitchen). Called, Tech visit was scheduled for next day and case closed . Start to finish 26 Hours. Appreciate. This was my First Service request to Choice.


Rick K
6/10/2020
When he got here was very through in troubleshooting the problem, iso;ating it and replacing the mother board in the motor. Works great! And afterwards lubes the spring and rollers too


T
Tara B
6/10/2020
Quick response, great service team. Very cordial while here and did a great job! Choice Home Warranty made the process very easy.


elesha
6/10/2020
I want all of the money I've paid in back. I will NEVER recommend your company!! I've paid premiums for over 2 years and the first claim for electrical service i submit is denied! So, you got my monthly premium, made me pay a service fee, deny my claim which was for electrical services, point me to the fine print in my contract and ask for a review. I will rate you on Google, i will rate you on yelp and I will contact Clark Howard, consumer advocate, to advise how you are posing to offer a service that you will deny. Before the technician left, he told me CHW doesn't pay and sure enough, before he pulled out my driveway, I got the email denying my claim. I WILL SHOUT THE TERRIBLE SERVICE... Read More



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