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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,159 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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11159 Customer Comments & Reviews

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T
Tina
6/29/2018
Due to a paperwork error, we were without air Conditioning on a covered repair for an extra three days.


R
R R
6/29/2018
I wanted to try a new warranty company and thought this would be a great fit for me , however I’ve been having AC issues for a month the first time I called them was 5/29/ 18 because my unit was not cooling correctly so they sent out a tech they fixed it for the moment then on 6/24/18 I started to have the same problem again. So I called they rescheduled me another tech four days later who never showed up so after calling them with the complaint they sent out the same tech from the first time. However the tech did figure out what was wrong with the unit he tried to get authorization for the work never got a response in a good time frame so he left to go to another job. So they finally... Read More


M
Michael S
6/29/2018
The company came to my house a day early, no problem. After replacing a part on my A/C I told them two of the A/C vents was not cooling like it should. He said the duck work could be bent I ask would he check for me. He said I don't have a work so I can't check it. He told me I should call and report it. If I continue to have this problem please don't send the same people out.


P
POed c
6/29/2018
This is the most crooked operation i have ever came in contact with. I tried on two major issue occasions to file claims and both times was screwed in the end. one was for a central a/c unit the other was my fridge. If you think this is a good idea don’t. If you read all there fine prints you will never get nothing out of them let alone a new item even though they say that we will replace if it can’t be fixed. Oh wait a part isn’t available no more we will give you a check for the average between cost and labor ($430). i don’t know who can buy a new fridge with that. Oh wait my fridge for the least expensive model is $7600. My A/C went out and the sent a tech, oh hey there is low... Read More


George Z
6/29/2018
Have A/C service two days ago. June 27, Service is still not working properly.


B
Bill
6/29/2018
Contacted Choice at 15:15 hrs on Tuesday 6/26/18 when I discovered Garbage Disposal was spewing water out of bottom of unit. Spoke with "Rachell", explained problem and she scheduled a plumber to come out the next morning between 07:00 and 11:00. Very quick service, well handled, professional, and friendly. Amigo plumbing arrived at 13:00 after 2 calls advising they would be late. After "Eddy" arrived they did replace the Disposal in 20 minutes after a $45 service call charge. Replacement done quickly with an equivalent disposal. So far so good. No complaints. Now in process of having the boxes under sink replaced through my Home Owners Insurance Policy.


A
Agnes N
6/29/2018
The repairman was on time, did a great job and was friendly. We would definitely use the again when needed.


L
Leo M
6/29/2018
I understand when Choice Home Warranty dispatches a work order request out to the greater pre-approved vendor population, and they don't "take the bate." In my situation, CHW dispatch sent out my work order request to Waterloo Pool and Spas. Fine enough. The owner of Waterloo Pool and Spas only yesterday informed me his company was not fully vetted much less able to make a claim. This misleading tactic on the part of CHW puts it over the top. The word on the streets is that vendors, in general, do not like to deal with CHW because not only are underbidding them, CHW makes it exceedingly difficult to secure remuneration because of all the "red tape" required to receive compensation for the... Read More


J
Jean
6/28/2018
I honestly don't know how Choice Home Warranty gets any good ratings at all. We've had to deal with them on very small items for the last couple years. Always without fail, we cannot find anyone in our area who will work with Choice. We end up paying the contractor, then try to squeeze money out of Choice after a lot of emails and phone calls. This past week we had a minor repair. Choice contracted the company, they didn't take down the correct information, and the company had to return at a later date due to not having the right parts. Our tech was very good and repaired the equipment, but was told there was a cap on how much they could charge. He said "it's a good thing it was... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration. Our Consumer Advocate would be more than happy to assist you. Please submit your policy number to cblue@choicehomewarranty.com for further assistance. Regards, CHW

B
Brian
6/28/2018
Let's see start claim on the 9th, it's now the 28th and my pool equipment is still leaking. They have had two different companies look at it, they have tried to tell me that I would have to pay the service fee twice, no happening. Wow, I am glad the the equipment ois still running because my pool would be a swamp right now otherwise.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration. Our Consumer Advocate would be more than happy to assist you. Please submit your policy number to cblue@choicehomewarranty.com for further assistance. Regards, CHW


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