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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.

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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11145 Customer Comments & Reviews

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Sheryl H
1/25/2018
I have had this warranty company now for over two years.... sometimes they come thru, other times, not so! This week, for instance, I happen to have both a plumbing issue and an air conditioning issue both on the same day. They sent over a plumber, he checked the situation, called them, and they said it was not covered due to the fact that it was not able to be done on the ground level. That's crap! So, I ended up having to pay $300 for the cleanest of the drainpipe myself, plus the fee for the tech to come from Choice. Then the air conditioning guy came..... He told them the freon was leaking. They told him it was not covered! Then I had to spend $375 for this guy to do a special... Read More


David S
1/25/2018
My contract expires next month & I couldn't be happier. There are a lot of items that were not covered & I thought they should be. I have a pool problem right now & I called to open up a claim & was told that my pool is no longer covered. That did it for me. Can't wait to dump them.


C
CJ T
1/25/2018
We just purchased our warranties (1 for each of 2 homes) today so have never made a claim. Therefore this evaluation is made only for the purchase process. We received a call from a sales agent at CHW within 1 minute of placing an online request for a quote. Barry was very helpful, explained the coverage and answered all our questions thoroughly. He also asked whether either of us was a senior or a veteran to see if we qualified for a discount based on either status. The final cost was excellent, quite a bit lower than the cost for the other 2 companies we contacted for essentially the same coverage. The deductible is also quite a bit lower than the options offered by each of the... Read More


E
Ervin a
1/25/2018
Talked to Dennis 1/25/18, 12:20 pm. Told him our problem. He told us to wait for a phone call and email. Very efficient! Thank you again Choice Home Warranty!


J
Jim J
1/25/2018
The rep is talked to was very good. He explained the program well.


G
george r
1/24/2018
I called Choice Home Warranty because they were one of the highest rated home warranty providers. The sales staff were knowledgeable and helpful. However, having never had a claim, I can not offer an opinion on how well they settle claims.


R
Randy J
1/24/2018
My initial claim was handled very well and already have a scheduled service call the morning. Thanks


D
David G
1/24/2018
I know you are in business to sell your product. I called other companies of course, but your firm offered me the best deal. Alberto was great in explaining everything to me, and offering me a great rate. If your service is as good as your salespeople, you have a great company. As far as I can tell, your company is woth the 5 star ratint I gave you.


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Greg P
1/24/2018
The guy was very pushy and kept trying to upsell me to a 5yr plan, I told him at least 5 times no and eventually said just cancel the whole process. I went forward and then he tried to sell me the 3yr plan and when I said no he said you are making a big mistake. Basically calling me stupid. I still bought the product due to pricing but hope service if I need It is better than my sales experience.


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joe
1/24/2018
The agent was very helpful and I purchased insurance and cancelled the other policy I had for 7 years.



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