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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,124 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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11124 Customer Comments & Reviews

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R
Rose
7/8/2017
Technician diagnosed the problem with the wash machine not draining water. Found replacement switch available at a nearby location and went to get it and install it. Was back up and working again after his visit. Even recommended a cleaner to add to the machine to get rid of the smell of the standing water that was in the machine. Two cleaning cycles and it was fresh and ready to work again.


Nick W
7/8/2017
Great customer service, quick reaction to your problem and the tech sent to fix the problem were professional.


G
Gail H
7/8/2017
Choice home warranty was Excellent in listening to my need and within an hour I had a phone call with a repair person here the next hour. They even called back to make sure I was satisfied.


Bob C
7/8/2017
They came the next day to repair a garage door that wouldn't close. I felt a little foolish when the service rep quickly fixed it by simply adjusting the electronic eye sensor. I was elated when he showed my how to adjust it myself the next time and then stayed to oil/adjust the entire door system.


James G
7/7/2017
I had my water heater go out. Called to get a tech out. The same tech who does my annual inspections and maint., two months prior to it going out said it was fine. Sent his report in and I was told it would not be covered due to lack of maint. I sent them copies of inspections for previous 3 years, still denied claim.


D
Dan M
7/7/2017
The representative that took our claim was very nice and friendly and really cared that we had an issue. We were relieved to finally have a warranty company that cared about their customers after the sale of the policy. I would recommend Choice Home Warranty to whoever shopping for one.


J
Jie K
7/7/2017
I bought Choice Home Warranty for five of my rental properties. The technicians and Choice Home Warranty always tried to invalidate my claims. It is very hard to get a coverage. You have to talk to them hours complaining about the problem, especially for big repairs like AC units. Try to avoid this company. Don't be talked into buying long term contract. I bought three years, and tried to cancel them after one year, they would not make a refund. It is like a con company after dealing with them for the past three years.


Theresa S
7/7/2017
Fast service professional contractor


A
Ash s
7/7/2017
I had ac condenser motor not working call Chw , the send ac company for review on July 4 , next the ask for serial number to fix the problem I found this as well , after submission they refuse stating I manufactured warranty I did not , Ithr company they send lost my motor , they refuse claim after 4 days, I live in chandler az with temp 110-115 , normal people with sense of responsibility do not animal like that , I am disable to harasses me and my family, stress and financial, I have to pay for fixing over $390 , I recommend please do not buy home warranty by CHW , looking at bbb they have 16 good review and 500 bad review , the company fine by judge in $800000 for false ads and lack of... Read More


W
Wayne T
7/7/2017
Always check better business bureau (bbb) before looking at choice home warranty. My 16-hour experience of having choice home warranty was atrocious. Previously, i was recommended to seek coverage through choice home warranty so i decided to give them a try. When i spoke with the sales agent (damian royce) everything seemed perfect, almost like i just landed on the greatest opportunity for additional coverage for my first home purchase. However, after obtaining coverage with choice i decided to conduct a little more research. According to the bbb, choice home warranty is not accredited and this is for very obvious reasons. Take the time to look and find out for yourself before considering... Read More



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