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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,154 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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11154 Customer Comments & Reviews

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T
Tearaney
5/13/2018
I’ve had a claim open since January on my heat with no resolution. Technician comes out for the air now and choice supervisor tells me it’s nog covered due to neglect?? This is the worse warranty company I’ve dealt with. I switched from 2-10 because of pricing but I’ll sacrifice and go back to 2-10.


L
Luis F
5/12/2018
Your service is Awesome..but was very disappointed when my pipes were cleared and was told they needed a hydro jet service which will cost me 425.00 this tuesday..it would be great if thru the HCW we could get a better deal.. Luis Figueroa US Army Retired Disable Veteran


G
Gary
5/12/2018
Claim was process and activated quickly. Service tech did an excellent job. Thanks for you help.


J
John B
5/12/2018
Having previously worked for government agencies, I understand the lowest price bid for service providers. I also understand the damage it can do in customer satisfaction. I have been the unfortunate receiver of such sub-standard service. Your firm needs to do a much better job in the selection of job bidders! I also cannot believe the incredibly long sevice turn around times. I also cannot believe that a contractor would remain engaged after a no show, no contact appointment. I previously purchased your sevices as add on services provided in sales of my homes. I now regretfully believe that this was a mistake. I will no longer add your service to any contracts of my own and I will... Read More


P
Phoenix g
5/11/2018
First time using the warranty yesterday. Easy and fast! My air conditioner was fixed in less than 24hrs of being down. Very happy with the service so far!


R
Roberta R
5/11/2018
concerned about the quality of companies used when repairs are needed. in the past I've delt with horrible communication the reason for my delay to renewing right away


A
Addie
5/11/2018
I love you setting up the appointment in such a timely manner. Wow! within 10 minutes after I submitted the request on line I had an appointment scheduled the next morning. The repair company called within two hours to confirmed the appointment the same day, The repair person was neatly dressed, courteous and professional.


R
R. W
5/11/2018
Not happy with their service. Two times we asked the rep. if an item was covered. When the plumber came to fix the item we found out that it wasn't covered. Then the plumber offered to fix it at a high fee. We will not be renewing our contract.


T
Tom M
5/11/2018
It's been over a week and my sump pump is still not working. In spite of the fact that your contractor would not return my 5 phone calls, as well as your call, you would not reassign me to another contractor. In spite of my request to change contractors, your resolution manager said that all of your contractors were the same (frightening). In spite of the fact that I told your resolution manager that as a loyal custimer, I signed a 6 year contract with CHOICE and I felt forced to take your disrespectful contractor, your only response was to pay me off a ridiculously low amount of money so I could allegedly get my sump pump repaired myself. Unfortunately for us, you demonstrate no... Read More


T
Tina G
5/11/2018
Exceptional coverage! Beat your competition hands down!! I highly recommend Choice Home Warranty.



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