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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,263 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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11263 Customer Comments & Reviews

Loading Reviews ...
Vicki L
11/9/2019
Choice warranty handles your Claim fast the customer service is awesome


Matthew B
11/9/2019
Two different sales guys lied to me about maximum payouts for replacement of appliances and services. For example, they told me that if my refrigerator needs replaced they will replace it with the same exact model if still available or a comparable one without a cap. I told both of them that I had a Consumer Affairs article in front of me that specifies that they have a $1500 cap. They both told me that the article was incorrect and that I will have that in writing in the contract when I sign up. Once I agreed to terms and gave them my credit card number, I got the contract via email. The Consumer Affairs report was accurate and they lied. I cancelled the next day. Now they’re telling... Read More

Maurice W  
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.

D
Donna D
11/8/2019
I had a tech come out on Nov. 6th and told me my furnace needed a new ā€œmother boardā€. I’m sure he let CHW know his results about the furnace. I texted (emailed) CHW about what the next step is and haven’t heard anything back from them as of today, November 8th. Can someone please let me know what the next step is as it gets pretty cold in here when the furnace doesn’t go on. Thanks, Donna


John S
11/8/2019
I needed an appointment next day and got an appointment 10 days from day i called!!!!!!

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 ā€œConsumer Advocate Reviewerā€

M
mary t
11/8/2019
So far I am a little frustrated that the plumbing problem I called about was not what the plumber who was coming to fix it could fix. I called and got another plumber scheduled, so I am hopeful this will turn out OK. Amelia was very helpful.


Pat K
11/7/2019
Technician showed up when scheduled. He was very helpful and professional. Had to order a part but only took one day to obtain. Am very satisfied.


J
Jack C
11/7/2019
First time we had to use Choice service and we were very satisfied. Technician arrived on time, diagnosed the problem with our heat pump very quickly, and came back with the parts when he said he would. Problem solved. Thanks.


krcgrad
11/6/2019
The technician was thorough and quickly installed the part. Would highly recommend this company.


Sherri V
11/6/2019
I’ve never had this kind of protection, but thought I’d check it out. I called in my first claim and it was denied because it was a plumbing issue at the meter box on our side. I’m sure it’s in the paperwork somewhere.....it was easy to call it in; however, I believe they use a Call Center (as many company’s do), but I would have preferred to talk with someone who was more informed about the company. She had to go ask someone if it was covered. I also had difficulty understanding the young girl, and she seemed to be having difficulties understanding me. I’m was sorry to experience that Personal help, with a very knowledgeable person, is becoming a thing of the past.

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. We have shared your feedback and concerns to the Customer Relations Director who will review this matter and handle accordingly.

abeerrose2000
11/6/2019
This is a terrible warranty. They deny every claim you submit.

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 ā€˜INCLUDED’ under the terms of the User Agreement sent to you at purchase. It may also be found on www.choicehomewarranty.com/user-agreement/


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