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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,508 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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11508 Customer Comments & Reviews

Loading Reviews ...
T
Tundra
7/18/2018
Purchased a plan today and contacted my sales rep who was not readily available to answer questions. The customer service person who answered the phone was somewhat rude when I asked for his name (Taylor) and there was a done of background noise. I left a message for my rep and sent an email. So far no response.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback. We have emailed you a copy of your policy. Regards, CHW

J
Jose A
7/18/2018
Good customer service, professional repair personal, follow up with the repair, good quality


Joyce T
7/18/2018
The contractor did a wonderful job ..I realized due to extreme hot weather the contractor are real busy and there waiting period


J
John B
7/18/2018
They did not cover a leaky faucet; fix or replacement denied. The Subs they used were inept, and mostly made up of journeymen or non-professionals. Stood up for over two weeks by one, even Choice could not contact them. Choice finally sent me a check & told me to find one on my own. Of course what they sent would not cover the price of parts & maintenance. Worse warranty company on the planet!


J
Janice
7/18/2018
My garbage disposal sprung a leek on Sunday It was not an emergency. They came Tuesday AM and replaced the unit. Very satisfied with service - 1st time used


R
Reina S
7/18/2018
Just had my AC unit repair for the low, contracted service cost on a 95 degree day. Grateful for the prompt, courteous and easy process of getting this fixed!


G
Gina D
7/18/2018
I have had Choice for a long time and in 2 states. Lately the service and the communication about the service has declined. I put in a claim for my AC not cooling on July 2nd. I live in South Georgia and that is a BIG problem. I got an e-mail saying that they were having a hard time finding a vendor (or something along those lines) but that they would keep trying. I kept trying to call but would be on hold for 15 - 20 minutes and I hung up. FIVE days later I called and sat on hold for over 30 minutes. They told me that they had set up an appointment with someone on July 20th! That was 13 days away!!I finally got them to give me the phone number for the vendor and I called him. He... Read More


B
Brad D
7/18/2018
You can't say you cover AC's and then have some small print about 'no rust on the coil'. ALL coils that are over probably 2 or 3 years are steal and they rust......therefore, they aren't covered. You should stipulate that upfront. Also, during the R22 freon conversion, you should stipulate upfront how much that costs. ALSO, YOU NEED TO COVER THE 'LEAK TEST'!!!!! With my great choice warranty, I just paid $150 for a leak test, $45 for a visit fee, and $6,500 for a whole new system. All the while being hot for over two weeks.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Dear Brad, Our Consumer Advocate would be more than happy to assist you. Please email your policy and claim number to cblue@choicehomewarranty.com. Please put "Consumers Advocate Review" on the subject line. Regards, CHW

D
DEBORAH
7/17/2018
i PUT IN A CLAIM FOR MY DRYER YOU HAD 3 COMOANIES DISPATCHED AND NO ONE EVER CALLED OR CAME ON DAYS SCHEDULED I HAD TOTAKE OFF WORK 3 DAYS FOR NOTHING AND I DONT WORK I DONT GET PAID

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Dear Deborah, Our Consumer Advocate would be more than happy to assist you. Please email your policy and claim number to cblue@choicehomewarranty.com. Please put "Consumers Advocate Review" on the subject line. Regards, CHW

D
Dusan D
7/17/2018
Excellent service. Service right on time. Problem with air conditioning was challenge. But service man Anthony patiently resolved the problem. Thank's



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