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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,149 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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11149 Customer Comments & Reviews

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K
Keitha B
3/12/2018
I called this morning about my stove. Choice got right on it and a technician was at my home two hours later. My claim has been handled because of Choice and their awesome response to issues. Thank you Choice Home Warranty.


M
Michelle P
3/9/2018
Although it is too soon to judge Goice Home Warranty Company, I must say that Anthony Mignosi convinced me to give it a try. There was no hard sales pitch, just a person who seemed to actually believes in his product. I’m not very easily sold, so hats off to him. Nothing much to lose, but a whole lot to gain. Hopefully I just bought myself some peace of mind. Priceless!


C
Christine R
3/9/2018
I was very pleased with timely manner in which my claim was processed. I made one call and the next day I was given an appointment with a plumber. The following day new garbage disposal was installed. Thank you for the fast service.


R
Richard S
3/9/2018
The sales Rep was very thorough, friendly and fully addressed all of my questions and concerns. Parameters of the Warranty appear to be better than those I researched with other Companies. Choice appears to be a good company to do business with.


S
Shannon R
3/9/2018
Never use Choice Home Warranty. They use low level pay off tactics that only provide 50% of the $$ to replace an appliance to the policy owner instead of actually replacing it. As always, the devil is in the details of the fine print of the warranty details.


P
Patty
3/8/2018
Paul was great. Thanks of course I was not sitting at a desk so it was difficult to access payment method, plus I got a 25 $ parking ticket.


C
CC
3/8/2018
This warranty so far has been pretty useless to me.. so far I have paid for 4 or 5 service calls, just to find out that its not covered by the warranty.. and what has been covered was a super cheap fix that would have probably cost less than the service fee.. anything serious you need done that's gonna cost a bit, they miraculously don't cover it. I've been sorely dissappointed in their service.. if u do get it, be sure to read all the print.. like it will cover your water heater, the components to it, not the actual tank.. it will cover your a/c unit, if it's just a change of cheap parts, other stuff, nope.. when the guy came out for my plumbing, they told me that unless it could be... Read More


J
J. C
3/8/2018
Maurice could not have been any more professional and friendly. I asked a lot of questions and he had the answers. I will recommend him to anyone needing this service. The only thing I am not real pleased about is having to pay the three year policy off in three consecutive months. Being a person who lives on Social Security income, that makes it very difficult to afford.


B
Bernard J
3/7/2018
The sales representative, Brad, was polite and knowledgeable during the initial and sign up period for a contract with Choice Home Warranty. We cancelled our previous warranty company and signed up with Choice. We hope Choice will prove to be more advantageous, by quickly responding to our requests, and providing us with excellent service. We will be able to make a more valid rating as time permits, and by the type of services we receive from Choice in the future.


D
Darren W
3/7/2018
So far they have been great with a good rate and a good service charge. Hopefully when I actually need the use them everything will also go smoothly.



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