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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,145 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.
 
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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
http://www.choicehomewarranty.com/
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

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11145 Customer Comments & Reviews

Loading Reviews ...
C
Charlene W
1/29/2018
I would definitely recommend Choice Home Warranty to anyone who is looking for a "warranty" company. I called today and the same day was able to have someone come to my home. So, please, if you're looking for an excellent warranty company call CHOICE HOME WARRANTY!

M
Marilyn J
1/29/2018
Choice Home Warranty failed to provide adequate service during extreme weather conditions. My tenants had no heat in 15 to 20 degree weather for a week this January because Choice Home Warranty dragged its feet with the claim. I spent countless hours on hold trying to get to their so-called "resolution managers" and I finally did get to speak to 3 different ones who resolved nothing. CHW dispatched the 1st tech out 2 days after the claim was submitted. But, CHW didn't like how the tech's diagnosis was worded. Mind you, this was a tech THEY chose. So, they dispatched another tech 2 days later. The diagnosis was fine, but the estimate was for over $1100 to fix the gas furnace.... Read More

B
Brin M
1/29/2018
The whole process was very easy.

Kansascity A
1/28/2018
The representative was very friendly and helpful. I am concerned that my heating is not working correctly and it my take up to 24hrs for anyone to show up or even call me?

Brian M
1/27/2018
I'm not happy! So far i had the garage door fixed twice for the same problem still not working, choice didn't cover my a/c unit problem so I'm out 400 dollars, choice didn't cover my range problem so I'm out 465.00. I'm paid up through september so i have no choice but to keep the policy but i will not renew or recommend.

Diana C
1/26/2018
Not very happy with Choice. I filed a claim because my furnace stopped working and it was denied. They stated that it was being denied because they don't cover "Pre-existing conditions" and because the policy was yet too new. After going round and round about how " everything in my house in a pre-existing condition" "It's only a matter of time before the wear and tear on everything in my house will fail and we didn't anticipate the furnace going out, Choice "offered" to pay 1/2 of the cost and I would pay the other 1/2. Choice further stated that if I agreed to this, every claim from this point on would not get denied. I now regret leaving my previous warranty company for Choice. I... Read More

D
David
1/26/2018
I'm not totally satisfied with the company you have chosen to service our home. Let me explain. On Thursday the 25th I called and made a request (claim) for assistance with an electrical problem we were having in house. the company that you assigned to me called within an hour of my call to CHOICE and said they would be out that same day between 11 am and noon. Good so far. at noon the electrician called to say he couldn't come but they would send another technician and he would call me to set the time. That call never came and now I see on my email that the company (no name given) will arrive at my house on Saturday between 3 and 8 pm. This is unacceptable. I have commitments... Read More

R
raz
1/26/2018
I never had a good experience with any technician that ever came. they are very good to classify the job as not a covered job. practically working with CHW there is nothing that could be covered...complete waste of money

C
CHARLEY
1/26/2018
NEW CASE OPENED BUT NOTHING WAS DONE ON PRIOR CASE. THAT IS THE REASON I REFUSE TO BE SCAMMED AGAIN!! IF THERE IS A RESOLUTION THIS TIME, I WILL BE VERY SURPRISED BUT OPEN TO SEE THAT THE PROMISES MADE BY CHOICE MAY NOT BE COMPLETE FRAUD.

R
Robert s
1/25/2018
Rep. On the phone was difficult to understand.

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