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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,130 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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11130 Customer Comments & Reviews

Loading Reviews ...
J
Justin
9/7/2017
I have worked as a plumbing vendor for many home warranty companies in the past 10 years. If you are wanting to become a vendor for choice home warranty, or if your a customer looking for a home warranty company I would suggest to keep looking. On multiple accounts I have submitted diagnosis of a plumbing issue and they will contact the customer and deny the claim. Then they throw the plumber under the buss stating that they denied the claim because of some bogus issue that I never submitted. This leads to customers thinking that the plumber is Lying about the issue. When I confronted choice with the issue they state that their technician in New Jersey took what i said and made the "real... Read More


J
Jerry F
9/7/2017
Under no circumstances would I recommend anyone deal with this company. On very minor items, their performance is adequate. On major items, like an air conditioner, their record is atrocious. I have 3 air conditioners. Air conditioner #1 quit cooling. Repair company showed up, asked me what was wrong, stood and looked at the outside unit, never did any diagnosis. Said it was broken and that I needed a new unit. Did not even check refrigerant level. CHW denied the claim because the technician reported "debris" on the outside unit. I called a repair company I have confidence in. Technician said the only problem was that the unit was low on refrigerant. $150 (plus the $60 service... Read More


M
MMinter
9/7/2017
I paid extra for septic system coverage; now that the system needs to be replaced, I'm told by the rep that Choice only covers the septic if it backs up into my home. So, after the house is trashed, I can get $200 bucks for the pumping, and the septic system failure is not covered. I'm cancelling. I do not recommend this company.


C
Camille
9/7/2017
I was very pleased with the service I received. I placed the claim and the stove was fixed within 24 hours of calling. The service man was early and very courteous and professional. I hope is I have other issues with appliances I get him again. Doing a HAPPY DANCE!


Roy D
9/6/2017
Diamond HVAC was very prompt and arrived within two hours of our initial call to set an appointment. The service man was professional, extremely knowledgeable, well dressed, and fully explained his service. Highly recommend them.


L
Laura
9/6/2017
I called Choice Home Warranty regarding a problem with the toilet. Within 10 minutes they called me back, and emailed me, to give me the name and phone number of a plumber. Within 20 minutes the plumber called me to schedule the appointment. The plumber was wonderful, prompt, and courteous.He did an excellent job. I would definitely recommend this plumber and Choice Home Warranty again.


A
Anthony S
9/6/2017
Choice Home Warranty assigned my claim to a technician almost right away and the tech was able to come out and correct the problem in short order.... thank you


Gary N
9/6/2017
I have had nothing but excellent service from Choice Home Warranty.


Cynthia W
9/6/2017
Quick reliable service even in the aftermath of Harvey. Checked both issues and both fixed. Also great suggestions in case of future issues. IGD plumbing is an awesome co. with great plumbers, Carlos Timoteo. Thank you CHW!!!!


L
Lwhitehorn7159
9/6/2017
Every time I have needed something done they have been friendly and sent very honest workers. They are a blessing.



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