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)
11,238 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.

11238 Customer Comments & Reviews

Loading Reviews ...
J
Jvwestern
3/28/2019
Choice home warranty and the company that put in my sump pump was excellent.

R
Rola K
3/28/2019
I have home choice warranty for my home, every time I call they send some one you pay the $60 copay, then they you will receive an email says they don't cover the service they will not pay for fixing your item.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
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. It may also be found on www.choicehomewarranty.com/user-agreement/.
T
Tom C
3/28/2019
Plumber was outstanding.. took care of the problem. Toilet runs like new now..

Alberta J
3/27/2019
The service tech was great he was friendly and helpful. He has to do three jobs I was well pleased with his service.

Buzz W
3/27/2019
CHW plumbing rep replaced a defective diverter valve for me. Efficient, courteous, and the price was right.

J
john a
3/27/2019
once i initiated original inquiry, I got BOMBARDED with calls- very pushy I signed up today and it appears the coverage starts a month from now, yet you took the money from my account immediately! I asked to have the coverage start 4/7, when my old coverage ends, but have not heard back yet. thnx atkins

L
Lakisha J
3/27/2019
I previously had a warranty with 2-10 and switched to Choice Home Warranty last year. I called in Friday afternoon with an urgent issue regarding my refrigerator/freezer not working. They weren't able to come out until Sunday. I had just gone grocery shopping and had to discard all the food. So, I was out of pocket the $250 that I spent on groceries with no concession from the warranty company. I had to pay the $60 service call fee, which I was aware of. However, I just found out from the technician that I have to pay for additional parts/services on my refrigerator/freezer unit that's not covered by my warranty. So this warranty repair is costing me approximately $500 to repair. I am... Read More

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to provide the best customer experience, therefore, we regret to hear that you had a less than satisfactory experience with us. A onetime free service call fee has been placed onto your policy, in anticipation that your next experience with Choice Home Warranty meets your expectations.
V
Vicki
3/27/2019
Found a nice responsible service person and they did a good job.

Sergio D
3/27/2019
This was my first ever claim with Choice Home Warranty. I was able to submit my claim online and the response was very fast. Was experiencing plumbing issues with toilets. A repair company was chosen immediately and scheduled to come the next day. So, was pleased with the very fast action by Choice Home Warranty. Claim was handled seamlessly and approved quickly. The contractor who came to our house was very knowledgeable and performed the work quickly and efficiently. Was very friendly and answered all questions fully.

tmagnus80
3/27/2019
The job hasn’t been completed?? The tech came out to look at our washing machine & said the motor was bad & needed to get your approval. We are still waiting for that approval (3 days ago). So how about getting the job completed first before you push the survey???

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Thank you for your feedback. 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”
Top Rated
Our Partner

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

  • A+ Rating from the Online Business Bureau
  • 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