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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,109 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 is Choice rated?

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

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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10109 Customer Comments & Reviews

Loading Reviews ...
Giang H
9/12/2023
The technician is friendly and professional. The service was quick, I got an appointment right after I filed a claim online.


skctam2012
9/11/2023
Quick response to handle my claim. The technician sent showed up on time and fixed the problem right away.


L
Leonard J
9/11/2023
I was given an appointment for a week later. This is the refrigerator not working in 110F weather. Of course nobody can wait that long, so I had to pay out of pocket for a repair urgently needed. So, you have been totally useless to me.


jose.daniel.alana
9/11/2023
HomeChoice warranty is far from being at the top! I have 10 yrs experience dealing with warranties, Home warranty is: - Rude in customer service. People who barely speak English and is rude - Time consuming. Any call would be at least 1 hour long - Poor service. Bad quality of listed contractors - Terrible service. The "replacement" cost given for a broke item is less than 25% of the cost for replacement ... the costract on the website is 2 pages but then the list of exclusions is like 10 pages long. Contracting them is trowing, not only money but your mental health to the garbage! I'm looking ways to sue them


rattus8558suttar
9/9/2023
Corpus Christi Pools set up a time of 7am to 11 am on Saturday Sept. 9th to look at our pool issue. We are an older couple and normally do not get up until 7:30-8 am. We, however, got up at 6:30 just to be ready should they show at 7am. Waited all morning, no show and no phone call. I called their office about 10 am and only got to leave a message. No call all day. So much for service. Dee and Trisha Walker


Bobby D
9/9/2023
I thought that choice warranty was a good deal til something went really wrong. My 2000 dollar crapped the bed. Your tech came out and was very nice and helpful. Told me that I needed a new compressor which is about 900-1000 dollars to replace. When he called it in I guess your department said not worth fixing. Which I can go along with that since it was about 15 years old. However the fact that u only wanted to give me 500 dollars towards a new one and only at a certain place. That is crazy. I feel that you should have at least given me the value of the compressor of 900-1000 dollars. I then had to call and beg for another 80 dollars. Like I said. I just think it is wrong


diquec
9/9/2023
Thank you, Choice Warranty, for sending a technician out expeditiously, much appreciated. However, he didn't have to do anything, once we reset the unit he saw that there was nothing for him to do, so he said call him within 30 days if it happens again, we won't have to repay.


brendameyers27
9/8/2023
Did not take long for him to find problem, took picture and explained what had happened.


M
Melodie K
9/8/2023
My air condition went out in May . I was told it needed to be replaced because of the compressor going out but Choice Home Warranty would not cover any of it . They told me that it was not old enough to be going out so it was not normal wear and tear. I went round and round with them without any resolution. I finally had to pay $8,000 out of pocket because of the temperatures in Texas. Then a month later my hot water heater went out. I am still trying to get this replaced. They said before they can do anything they need a second opinion. They have already sent THREE different companies out and they all say it needs to be replaced. This has been going on for over 2 1/2 months. I... Read More


chrisdelzio56
9/8/2023
so far so good. The workman from Florida Pro Services were/are very professional. I'll comment more after they install the defective part on Monday (the 11th).



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