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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 9.1 / 5 ()
11,755 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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11755 Customer Comments & Reviews

Loading Reviews ...
hardyla777
4/17/2020
One of the worst companies I have ever dealt with. Was supposed to have covered my heat pump but wouldn't pay a penny. Had them for years. Even the Co that put in the new heat pump kept sending them paperwork but they refused to pay one dime on the $5200 heat pump.

Maurice W  
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”

tlaboco08
4/17/2020
Choice got a repair person out within 2 days and approved my claim within 48 hours after that. I am very pleased.


pp1962
4/17/2020
In this difficult time of hiding from Covid 19, a customer of this company would think that they would go above and beyond customer service. Not the case. My washer has been broken for 3 weeks and instead of allowing the technician to purchase from anywhere we have to wait. No washer in a time of closed laundry mats and unable to go to another place. We will not renew and suggest anyone run to another company

Maurice W  
Official Response

Consumer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the customer experience, therefore, we appreciate your feedback In a recent review of the claim, i show that the technician was authorized to get the parts directly from his distributor. During this time of Covid -19 there is certainly a slow down on mailing services. I do show that at the time of writing that the part should have already been delivered and the repair scheduled.

T
Teresa H
4/16/2020
I was told I couldn't see all your exceptions until I signed up and had 30 days to change my mind. Signed up this morning. First thing I noticed is that you don't cover heat pumps!! My furnace is a heat pump. So I have called over 10 times to cancel today only to be disconnected or connected to a busy type signal. I left Frances who was my representative a message but he never got back to me either. If this is indication of how this company I'm glad I'm canceling. How do I do that , sure quick to sign up but then nothing 😠

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the sales experience, therefore, we appreciate your feedback. We have shared your feedback and concerns to the Director of Sales who will review this matter and handle accordingly.

myhebdeb
4/16/2020
Tony was very friendly, professional and knowledgeable. Answered all my questions and offered me several options to meet my needs!


M
michael l
4/16/2020
I've been with CHW for two years and this is the first time I've had to use it. Looks like I made a good choice. The communication was excellent and very timely. Service was the next day and the tech that came out was very impressive with his work, knowledge and ability to answer my questions. He saw what had to be done, got it okayed with CHW within minutes, went out and got the parts he needed and then came back to do the work. He spent about an hour here and was very thorough. Told me what he was doing and why, showed me the old parts that were no good anymore, and the new parts he put in. All in all, Andy with 5 Star Home Services was very professional, as was the entire experience wi...Read More


M
Mindy J
4/16/2020
The serviceman was very respectful and tried to answer questions regarding the appliance. He gets 5 stars. It is unfortunate that Choice only offered a cash disbursement rather than replace the appliance. I had to look for a less expensive option to replace the microwave/wall oven since they only gave me 1 option and it was 1/3 the amt that I would need. Keep in mind that was looking at a scratch and dent store using the cheapest version of the same brand but not the same Gold level that is currently installed . The claim states that they offer replacement or an amount that is an average of the cost of the appliance. The lowest price for my appliance, lower quality, is almost $2...Read More

M
Maurice W  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear your frustration. We would like the opportunity to provide you with a satisfactory resolution for you. In efforts to assist, our Consumer Advocate will message you directly to further address your concerns.

Rosa L
4/16/2020
The setvicre from the technician was very professional and timely. Service was provided the next day from my request and everything went smoothly.


daldwell7
4/15/2020
They came and changed locks which was good experience but then had a ac/hearing guy come out and my furnace was working fine my AC was messed up but said he couldn't check ac bc was to cold out and started roughly handling our furnace he left and now my furnace is not working WTF!!!

Maurice W  
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”

H
Heidi A
4/15/2020
Very difficult to do business with. Very few claims approved. Have to fight for everything. I paid for a 6 yr warranty and extra for a house greater than 5000 sq ft. When you have a house that size, AC/heat systems are different from smaller homes - there are multiple AC systems, multiple thermostats, and multiple zones. While I paid extra to compensate for a larger home, the claims dept refuses to acknowledge that all of the items above are normal for a house this size. They indicate these are add ons and "after market", which is totally not true. All of these items are normal for a house this size and were part of the initial installation. I am now locked into almost 4 more year...Read More

M
Maurice W  
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 visit www.choicehomewarranty.com where you can place a claim online.


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