Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
  1. Home
  2. Home Warranties
  3. Choice Review

Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,257 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
View Top 10 List

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
http://www.choicehomewarranty.com/
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Choice Home Warranty
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

11257 Customer Comments & Reviews

Loading Reviews ...
J
Jeremy W
8/25/2019
We purchased a home warranty through Choice Home Warranty in April (I believe) of 2019 - just after we bought our home. Around the first week of May, our fridge just stopped working. We called, a tech came a few days later, and replaced the main board. Other than losing all our food due to the days to wait and then waiting for the part for another day... pretty smooth transaction and we were satisfied. A month later the fridge stops working again. Same tech comes out and says it's the fan, not from his repair, and he wasn't going to fix the new issue because he had outstanding invoices from Choice that they haven't paid him on. Tech leaves and I have to call Choice back. Lost more food... Read More

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Jeremy, We regret to hear your frustration. Our records show that we have offered a solution for you. Please contact us directly at 1.888.531.5403 for further assistance.
P
Prakash
8/25/2019
It was the excellent experience and the technician was very knowledgeable and took care oof the issue and I was very happy with the outcome

joe.scrudato7
8/24/2019
Replaced a water main valve that didnt work. Calling in for service was easy and service tech was out the next day. Could ask for anything else.

sukydraanthony
8/23/2019
Poor service and they don’t stand behind their words. Find another warranty company

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the customer experience, therefore, we appreciate your feedback.
beanh3105
8/23/2019
I don’t know how is your service is because it’s my first time buying this type of ins. But what annoying me the most that your representatives keep promote 3-5 year bundles while I just need one year coverage, I said I can’t afford to pay 3-5 years bundles for 1-2 times payment within 2 months, he still keep promote and not get what I want. But it doesn’t stop from there, a day later their promotion team call me again for security system. I said I don’t want it, they sent me an email and I was checking my email while talking to them on the speaker phone and they said if I’m not interested why I clicked on the email so quickly, that meant I really interest in their promotion lol. I feel... Read More

Melissa W
8/22/2019
Great service, reasonably priced and claim tickets handled in timely manner.

edouardodesantos1
8/22/2019
Greg is the real deal. Extra super sharp and softly persistent. Great character, and great sales attic.

J
James C
8/22/2019
So far this has been a very encouraging situation!! I called about problems with our stove and within a couple of hours I received a call from CHW with date and time , and contractor’s info - very efficient - very professional...stay tuned...not over yet!!

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Thank you for your feedback James. We ask you update your rating to reflect your positive experience.
A
Annette
8/22/2019
First time using Choice, quick appt, great service getting appt. electrician they sent out was wonderful, respected my home and was very knowledgeable .

J
Janice F
8/22/2019
Everything went well. Serviceman was polite and fixed the problem. Choice Home was very helpful in resolving our problem.

Top Rated
Our Partner

🔥 $150 OFF + 2 Months Free* - Plans Less Than $1/Day

  • 🏅Online Business Bureau Accredited with A+ Rating
  • Covers Major Home Systems, HVAC & Appliances
  • Custom Plans With Flexible Pricing
  • Request Home Repairs 24/7
READ FULL REVIEW >
See Details

Related to Home Warranties

Top Articles
Suggested Comparisons