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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 ...
Mojtaba R
6/8/2020
this company just looks for new customer. As soon as I purchased the plan; I called my agent to upgrade my plan and modify that and yet to receive a call from him. I called the call center; as soon as they find out i am existing customer ; they immediately transferred my to the automated system without asking and willing to get my information and help me on my concerns area. even when I asked that wanting to talk to the supervisor!! never recommend this insurance to anyone and i will cancel my plan as soon as i get some one on the line.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you were not satisfied with the services we provided. Choice Home Warranty makes every effort to enhance the customer experience, therefore, we appreciate your feedback. We have shared your feedback and concerns to the Customer Relations Director.

Joseph P
6/8/2020
i had very good service, very little waiting time, thank you joe noto


Richard R
6/7/2020
A/C failed during Florida heat and humidity and after a claim was submitted a service technician was on site within 20 hours of claim submittal. Issue was addressed and fixed.


M
maureen
6/7/2020
the second tech really worked hard to find the issue. and resolved it. did mention the clog did go somewhere. just to keep a watch on the drainage. kudos to david.


E
Edwin L
6/6/2020
I was really surprized with how quickly the appointment was made really great communication when service provider was late we called choice and within a few minutes the agent was there we were really skeptical about signing up since the previous company we used was so terrible but I'm glad we did keep up the good work


S
Shyang L
6/6/2020
We have been out of hot water for 7 days now. Choice Home Warranty sent two of their contractors: Hustle and Flow and Valley Ridge, to come to our home to do diagnosis. Then CHW emailed me that they are still collecting specification information of our hot water heater uniter I contacted Valley Ridge and they told me that they have provided all the information CHW requested and the ball in on their court. I don't understand why this is taking so long, especially when we don't have hot water to even take a shower

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you were not satisfied with the services we provided. Choice Home Warranty makes every effort to enhance the customer experience, therefore, we appreciate your feedback. We have shared your feedback and concerns to the Customer Relations Director.

S
Stephanie B
6/6/2020
First, I was not able to choose less than a 5 star review. That is NOT my cover, I'd give CHW about a 2.5 star review. The first time I used it was for a dishwasher. They were scheduled out a week, fine, we can live without a dishwasher for a week. Wednesday my AC went out and off course we had 90-95° weather. They dispatched 2 companies, the first one was a week out, the second even further out. The way the system works is the not the most effective. They put your call out and contractors can pick. If the time doesn't work you have to call the contractor back and reschedule. At one point I was able to pick a reimbursement option because no one picked up but I tried to... Read More


Roderick S
6/5/2020
I contact CHW on Thursday night and had a technician at my home Friday morning by 8:30 am. They sent Marvin Heating and Air. An outstanding service provider!!


S
Steve J
6/5/2020
Denied what was only my second claim. Stated that it was physical damage, not normal wear and tear. The part in question was enclosed inside the air conditioner condenser unit and could not have been physically damaged. I appealed denial to no avail. They just kept saying the same thing over and over. This was after my second call and waiting a full 24 hours for them to return my call. I was left with no choice but to pay for the repair myself as we had been with air conditioning for 4 days and it was very hot and humid. I regret buying a policy from Choice Home Warranty, but I am unfortunately locked into a 5 year contract.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you were not satisfied with our policy. We are committed to providing a positive customer experience and we take all feedback very seriously. Choice Home Warranty provides home warranty service coverage on the systems and appliances listed as ‘INCLUDED’ under the terms of the User Agreement sent to you at purchase. Our policy covers mechanical failure due to normal wear and tear. We encourage all of our customers to review their coverage. It may also be found on www.choicehomewarranty.com/user-agreement/.

J
John J
6/5/2020
Jeff explained the details and prices of the home warranty very well. This home warranty will be good for my home. Thank you.



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