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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,221 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.
 
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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

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11221 Customer Comments & Reviews

Loading Reviews ...
Bradley A
11/26/2018
We had a plugged main drain line from the house sitting so long. Amy's Plumbing came out on Sunday and fixed the problem. It clogged again and Amy's Plumbing came out at 7am Monday morning! The plumber fixed it again without a second fee! Thank you

minhaz a
11/25/2018
The experience Was pretty good. The guy that came he was very nice and polite. I would be more satisfied if I did not get charged because it was just a simple push of a button what the problem was which I was not aware Of It took less than a minute nothing was really broken. I understand are supposed to be a service charge the but in situations like this I Wish that customers Shut not be charged.Thank you

Richard J
11/25/2018
Great Job! Arrive in a timely matter! Very clean, Eager and professional .

J
John L
11/25/2018
I filed a claim and told you I was having trouble with my water softner that it wasn't working correctly and you sent out a plumber who said he doesn't work on water softners that he is a plumber so I had to pay $60.00 and he left didn't do a thing now I have to contact you again and you will send someone else out and I will have to pay another $ 60.00 needless to say I am not a happy camper.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Hi John, 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”
Henry W
11/24/2018
Help me ,give me opcition to fix or use money toward new app.

B
BECKY D
11/23/2018
I DON'T BELIEVE THAT I WAS GIVEN A FAIR CURRENT MARKET CONPENSATION FOR THE MICROWAVE OR DISHWASHER. HALF THE PRICE WOULD BE SATISFACTORY, BUT SOME IS BETTER THAN NONE. THE APPLIANCES IN MY HOME WERE OLD BUT NOT CHEAP AT THE TIME WERE INSTALLED.

Laurie T
11/22/2018
I have reviewed online reviews of consumers advocate. Many reviews indicate that claims were denied and so I have been vacillating as to whether or not I want to keep my membership or not. When I try to select one or two stars it defaulted to three. When I try to select three it defaulted to 5. That seems very shady to me and starts to tip the scale in the direction of dropping you guys.

Eddie R
11/22/2018
I will not rest until you and your associates are prosecuted in a Federal Court. Understand? You are deceptive, dishonest and unethical. I will also send other local news agencies like WPIX to promote your dishonesty during prime time news. Enjoy with my compliments. You have earned this! Eddie Rodriguez West Palm Beach, FL

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
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”
Scott M
11/22/2018
They were Very professional and knowledgeable I Would use them again.

Rick T
11/22/2018
Communication was good, however I believe Choice can do a better job of having vendors lined up in advance to submit customers claim to. The customer should not have the responsibility placed on them to find a vendor. I received emails stating Choice could not find an appropriate appliance repair person. I picked up the phone book and found an excellent vendor that came right over. He states he does work for Choice. Why do you not have him on your list to assist customers? I will see if my check comes in a timely manner. Overall the experience was good.

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