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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,270 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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11270 Customer Comments & Reviews

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Donnie P
1/24/2020
When i called with questions, it was very pushy. kept asking for my credit card number befor ei could evne ask next questions. I wanted to upgrade and add additional options and all they wanted was my credit card number first. Also rice given to me over the hpnoe does not reflect price i have. I was told a $75 svc fee becuase i was buying a full year subscription and got a $85 fee. very disapointed, feel like i got bum rushed, forced ot give my payment and then lied to about pricing. Will probobly cancel....

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you are not satisfied with our service, and we appreciate your feedback. In efforts to provide you with a satisfactory resolution, our Consumer Advocate will contact you directly to further address your concerns.

Kelli J
1/23/2020
Responsive, easy to begin a repair ticket. Great website. Excellent service by technician.


albertsencharmaine
1/23/2020
My water heater went out, needed to be replaced. Choice worked with me to take care of this problem. I now have a new water heater, thank you Choice Home Warranty! I've been with Choice for several years and i recommend them as a reliable trustworthy Choice who stands by their word! Charmaine


zepoled85
1/22/2020
Once again I used the service and once again I was denied. This is the eighth or ninth time Ive used their service and have been denied every time. They always seem to find some technical reason to deny me. This time it was my water heater and on my contract it clearly states water heater. I called them up the plumber showed up 24 hours later found the problem said that the tank has a defect on the welding around the element hole. Water was leaking through there. It took a whole day for them to receive the plumbers report and I didn't get the the results till then the third day and of course the results were a denial, stating that they do not repair tanks. Well of course they... Read More

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to provide the best customer experience and regret to hear your dissatisfaction. Please send your policy/claim number to respond@choicehomewarranty.com as we would like to provide a satisfactory resolution for you. In the subject line, please advise “Consumer Advocate Reviewer”

K
Kathleen W
1/22/2020
I was turned down on a claim of no electrical problem when an electrical breaker box was replaced because it was bad. This was certainly an electrical problem as far as I am concerned. Also an advisor was supposed to be assigned to me within 24 hours and it has now been two days with no e-mail as promised. This apparently a scam company as the exclusions far out number the exceptions.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you were not satisfied with the determination of your claim. 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. We encourage all of our customers to review their coverage. It may also be found on www.choicehomewarranty.com/user-agreement/ Upon review of your specific claim, the failure that occurred to your unit, is not “Included” in accordance with the terms and conditions of our policy. Although this type of failure wasn’t covered under our policy terms, this is only 1 out of the 15 systems and appliances in which we provide coverage. Therefore, if another unit/system/appliance breaks down due to normal wear and tear, please contact us at 1.888.531.5403 and we will be here to place a cl1aim for you or visit www.choicehomewarranty.com where you can place a claim online. CHW

D
Derease C
1/21/2020
So far, it’s been great! The response time to find a vendor and set an appointment has been great! The 1st time was for a repair on my washer. However, the company sent out had all bad reviews which I wished I had known beforehand. Guy comes out, he looks at my washer, not taking anything apart, writes down the error codes that It was showing and that I had already given him and tells me that he needs to research the codes back at the office and then ask for my $60.00. I told him what the error codes were per the washer manual that I showed him. He said he still needed to research. Never heard from him again. I called the warranty company and said that I was going to find someone else and... Read More


jrmyjm
1/20/2020
When I called to report a problem with an appliance, the response was prompt and I received an email message about local service agency calling to set up an appointment for repair. Within a couple of days, the repair was done and the appliance is working as it should be. Thank you for the prompt service.


V
Vic
1/20/2020
This is an amazing company. I used the services 2 times and each time I called and as soon as I hung up the phone, there is an email in my in box with the name and phone number of a company As to the date and time of my appointment. This is unheard of. I had a company prior to this one and it’s like pulling teeth to get an appointment for them to come fix the problem. I am very happy with Choice.


Edward C
1/20/2020
I will never buy home warranty again. Through my experience with Choice I learned that most companies like them are only covering worst case scenarios that aren't caused by you. If you read the warranty, failure in the appliance or unit must not be because of the failure to maintain the appliance or unit. Through Choice's experiences, any damage to appliance or unit that's a result of manufacture defect or improper usage will be written in fine print in the warranty. With all this said or done, most appliance or units without defect and properly maintained will last you longer than the warranty period they offer. Essentially what consumers like us are doing are giving away free money... Read More

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you do not feel secure with our company. Choice Home Warranty can assure you that you have our policy for all of the right reasons. We are here to provide peace of mind, save you time, and money by offering a one stop shop. We cover most mechanical failures that happen due to normal wear and tear on the main systems, items and appliances in your home. Choice Home Warranty encourage all of our customers to review their coverage. It may also be found on www.choicehomewarranty.com/user-agreement/

L
Latreese P
1/19/2020
Horrible experience. The authorization department will find any reason to deny your claim. My heating system is leaking CO2 which poses imminent danger to myself and my family. We can go to sleep and never wake up again. They have denied my claim to replace the furnace.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Although we regret to hear that you are not satisfied with the outcome of your claim, we appreciate your feedback. In efforts to provide you with a satisfactory resolution, i show our Consumer Advocate will contact you directly to further address your concerns.


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