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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,129 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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11129 Customer Comments & Reviews

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Marie G
8/17/2017
I am very pleased with Choice Home Warranty coverage. Whenever I file a claim they always answer me the next day at the latest (even if it is a weekend) and most times the same day. They send me the information on who will be handling my claim and I am able to set up an appointment with the technician very quickly. I have had other coverages in the past and waited a long time for someone to come and then had to wait weeks for the parts to arrived. I have never had any issues with any of Choice Home Warranty technicians. I would highly recommend them to anyone needing coverage. They also pay quickly when the appliance cannot be fixed.


Suzi H
8/17/2017
I as a widow, was very concerned about what I wield do if my appliances and other things in my house started breaking down, so I bought your program. A few months later, my refrigerator did break down. When I called, I talked to a very sweet woman who helped me right away. A repair man, who was so very nice and helpful came out to fix it. He got it running but needed to order two parts to keep it running. I was told that they no longer make those parts, so in 30 days, this company is sending me a check for $380.00 to purchase a new refrigerator. I know that is not enough to buy a new one, but it will help me get one that I will need. Thank you Choice Home Warranty for you speedy... Read More


C
Chelsea
8/17/2017
The management team was very understanding of our issue with the air conditioner, and even though our problem wasn't covered, they still were able to provide me with a payment made out to me because of our loyal service!


D
Daniel
8/17/2017
The service technician was prompt, Courteous, diagnosed the problem and fixed it within a reasonable time


G
Gary
8/16/2017
Choice Home Warranty is by far the most disreputable company I've ever had the displeasure to work with. After purchasing their service based on the positive feedback on this site, I submitted my first claim and quickly realized what an awful mistake I'd made. I got the run around from the "certified technician" who either lied to me or lied to CHW which resulted in a claim denial. When I called in to discuss the problem with CHW, I was rudely bounced to four different "customer service" people. They tried to talk me out of the claim and tried to talk me out of cancelling the service when I'd had enough of their B*. They refused to refund my full purchase price and made it all my... Read More


N
neldasavell
8/16/2017
Filing a claim online is easy and getting an acknowledgement of your claim within a few minutes is great. I filed a claim on Sunday afternoon and was assigned a technician that same afternoon. The technician came out Monday morning, diagnosed the problem and sent the information to Choice for approval. It was approved on Tuesday; the contractor came back first thing Wednesday morning and by 11:00 am on Wednesday my AC is working again! The company that was assigned, Fast Lane Mechanical, was awesome. They were very professional, explained the problem, and the process for approval and then installation. So glad I had Choice to take care of the problem quickly so I did not have to... Read More


N
neldasavell
8/16/2017
Filing a claim online is easy and getting an acknowledgement of your claim within a few minutes is great. I filed a claim on Sunday afternoon and was assigned a technician that same afternoon. The technician came out Monday morning, diagnosed the problem and sent the information to Choice for approval. It was approved on Tuesday; the contractor came back first thing Wednesday morning and by 11:00 am on Wednesday my AC is working again! The company that was assigned, Fast Lane Mechanical, was awesome. They were very professional, explained the problem, and the process for approval and then installation. So glad I had Choice to take care of the problem quickly so I did not have to... Read More


C
carol j
8/16/2017
We have had Choice Home Warranty for over a year. About two weeks ago our microwave stopped working so we called Choice Home Warranty and received a prompt response from both the company and the repairman. It was determined by Choice Home Warranty that it would be better to replace our microwave rather than fix it and that they would mail a check to us in the next 30 days. When we began to look at replacing the same model and make as our old microwave we found that it was going to cost about $100.00 more than what Choice Home Warranty had quoted. And when we called back they said that was the way it was done and that they took and average of several brands and gave you that average.... Read More


J
Jon M
8/16/2017
On my claim regarding my air conditioner, ReDo appliance was dispatched to handle the problem. I received a call from the Company within 2 hours of submitting my claim. An appointment was set for the next day. The technician called to advise he was enroute. He arrived, checked the unit, corrected the problem.This company had been dispatched before, and I must say I am very satisfied with the work they have done for me thus far, in fact I am using them for another problem that has occured with my refrigerator, as it is a leak, a problem which choice does not cover.


R
Rolando
8/15/2017
Great response. Very good service. Would recommend anytime.



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