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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,118 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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11118 Customer Comments & Reviews

Loading Reviews ...
keeslady1
8/2/2024
We are very dissappointed with our last service call. We requested a plumber to replace a toilet tank pump. We placed the claim on 07/25/24 and were given an appt for 07/29/24. Then we were told our appt was moved to 08/01/24. It took a full week to get the part replaced. This is unacceptable. Also, although the gentleman was very respectable and replaced the part. I was very concerned that he came in a plain white van without any company labels and the gentleman had no uniform or clothing identifying his company. I was under the impression your company used only LICENSED AND INSURED contractors and not just the cheapest contractors in order to make more money. If you are not using... Read More


pushkarbhasin
8/2/2024
Great service Recommend so many co workers I think they are the BEST


Glenn P
8/2/2024
You need AC techs so I don't always have to go through the reimbursement process.


arne.larsen08
8/1/2024
Jefry Johnson was the technician who came to take care of my plumbing problem. This is the second time (different problems) Kintex Plumbing has sent him to my home. I was very pleased to see him and he dispatched my problems as quickly and efficiently as he did the first time. He knew exactly how to deal with the problem and my main line drain stoppage was taken care of quickly. He had an amazing positive attitude, even when I thought things were not going very well. But, he prevailed and fixed it and all is well. I highly recommend Kintex Plumbing and especially Jefry Johnson. Thank you Jefry for a job well done, again! Arne Larsen


Janet O
8/1/2024
We like this contractor, he is on time, nice and professional. He is from Green Plumbing, his name is Eder.


barclay1949
8/1/2024
Very professional and helpful. Recommend for others to review this option


cyvonne_riley
8/1/2024
The technician was prompt, providing a narrow arrival window along with tracking information for his arrival. He thoroughly assessed the dryer failure, making a fix on site. I'm used to having to wait days for an appointment followed by weeks for a repair needing a part or to be rescheduled. B.R. Mitchell's Appliance Repair was a welcomed and surprising departure from my previous experience with using this warranty. I highly recommend this company for appliance repairs and will request them specifically in the future.


Gabe S
7/31/2024
The techs that came to my home were excellent. Repairs were fast and complete. Unfortunately it's Choice Home Warranty that stinks. I would not renew nor recommend them to anyone. If the problem can be fixed, great, if it can't forget it. It WILL NOT be replaced, what you get is a gift card for one third of the price of a replacement and you need to wait a month or more for it to arrive. No fun going without a dishwasher, washing machine or refrigerator for 4 to 6 weeks. And forget about shopping around for the best deal, the gift card is for one dealership only. On top of that the gift card barely covers the delivery charge and installation. YOU DO NOT GET A REPLACEMENT!


hendersondenice08
7/31/2024
They were helpful and efficient. I liked the way they got right to work and completed the goal without issue.


scubabryan1
7/31/2024
Quick to help resolve our issues with our dryer. He even vacuumed the inside of the dryer to keep it safe.



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