Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more

Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,154 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.

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

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.

11154 Customer Comments & Reviews

Loading Reviews ...
R
Ron
5/17/2018
Have been trying to get my A/C fixed for the last 2 weeks, My unit is maintained and cleaned every year and now your contractor comes out and tells you that my unit was dirty and doesn't note it upon his receipt(because it was clean). I called him up and called him a liar and his response was 'I thought it was dirty'. On several occasions I have to wait for someone to answer the phone anywhere from 40min to 1 hr 5 min. Then I have to listen to your jingle talk about how CHW provides peace of mind coverage. So very wrong on many levels


R
ROB R
5/17/2018
The contractor was scheduled for Wed. but called with an opening for Tues. Took a short time to diagnose my dishwasher & ordered a * drain pump * for it. It will take about #4 days to get. Paid $45.00 cash with a receipt & I'll see them again soon... *** Choice; " So far so good."


D
Donna
5/17/2018
May 8th placed a call for plumber. First appt. Was may 14th, changed to 15th then 16th . 8 days is too long for service. Given opportunity to handle problem ourselves but one reason we chose warranty service was to get problems resolved quickly by qualified companies without hassel.


G
Gordon
5/16/2018
Been a customer for 4 years and both claims were the worst experience possible! It can all be summed up by reading their POLICY PARAGRAPH F.9; They use the language in this paragraph to put a stainless bath fixture component in a bathroom that all other fixtures were non-stainless. When In-Wall convection microwave completely went out, they authorized approx $800 of technician repairs but when one of the 6 parts was obsolete, stated this paragraph only requires them to pay for the value of the obsolete part and not total repair estimate or replacement. Either way, as the consumer, I still have a non-working microwave and no way to replace the $1800-$2200 unit for the mere $169 they... Read More


D
Donald D
5/16/2018
My visit with Scott was very nice. He went out of his way to help me. To the point of asking me what my age was so he could offer me a senior rate. In doing that he saved me money and made it so I won’t have to worry about the covered items for three years which gives me peace of mind. I would recommend that if someone is considering a home warranty to check this company out it will be worth your time.


B
Bernice H
5/16/2018
Good customer service. Since I'm a new customer can't comment on the other services


H
H R
5/16/2018
I am highly satisfied with the professional plumbing services that were provided by Choice Home Warranty in record time for the appointment! Also, I saved more than $40 per monthly payment and as well as each claim by switching to a similar plan with Choice Home Warranty! I strongly recommend this company!


C
Chris P
5/16/2018
Worst warranty company I've ever dealt with! They are blatant liars and not trustworthy. I purchased a new home 2 years ago that had a Geo Thermal heating and air unit. After doing some research, I learned that there was great cost in repairs and replacement. At that time, I decided it would be a good idea to get a home warranty. I called a few warranty companies to see who covered Geo Thermal units. After speaking to a few, Choice Home warranties told me "absolutely! We cover service and replacement of the unit." Now I have been in the house for 3 years and have not had a problem with it until recently. So I called to start the claim with much confidence that this issue would be... Read More


R
Raechelle B
5/16/2018
Excellent customer service over the phone . Skilled technician Ray came to our home in less than 24 hours. We are thrilled with the service we received. Special thank you to Ray


F
Fred M
5/16/2018
The service repair person was friendly, knowledgeable and very professional. The kind of service I expect from Choice!



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