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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,121 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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11121 Customer Comments & Reviews

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D M
6/16/2017
The customer service team at CHW is quick to respond and helpful with answering questions and concerns. There are simply not enough technicians in my area, and there was a bit of search to get someone to come to my home. I am midway through the process (a part is on order for my dryer) but the technician seemed smart and was very courteous.


Lois O
6/16/2017
My garage door quit working suddenly over the weekend, so I called in a claim, the call was answered in a short time, the agent asked me a few questions, gave me a claim #, and within 15 minutes everything was confirmed, the garage door technician came out the next day, and I am happy!


J
Judy D
6/16/2017
The electrician David Garrett was absolutely one of the nicest people I have ever met. Very professional but yet personable. He fixed my problem. He is awesome. Really enjoyed meeting him. Also very honest person. Thank you!


R
RR
6/15/2017
Quick response to claims and technician out promptly. First claim was built in microwave not working so appliance repairman responded. Service fee paid and found that it was the plug/socket that wasn't working. Electrician now needed so second service fee paid. Could not locate where the problem was within the 1 hour allotted by CHW so claim denied. I paid over $400 to have it repaired although electrical system should be covered. Now the AC unit inside, is vibrating and clanging very loudly. CHW denied the claim as the unit still cools. I am supposed to leave this issue unrepaired until it causes the system to fail, in Las Vegas in the summertime, causing thousands of dollars of damage as... Read More


M
Marii S
6/15/2017
These pepole are liars and thieves.Don't waist your time. Gi somewhere else


C
christopher l
6/15/2017
I've always experience excellent service and great treatment during my service repairs. the technician(s) are courteous and mostly on time they always let me know what the problem is and they show me the part that needed to be replace I will always recommend Choice Warranty to my friends when I am ask who do I use for repairs. I know I can depend on your service thank you very much for being there when I need help. Christopher D Leonard


S
Sbierbaum
6/15/2017
Best home warranty process I have ever seen. After submitting the discrepancy was the most effortless process to get my appliance repair. Choice Home Warranty and the repair company where the most courteous and easiest to work with.


Stephanie C
6/14/2017
I am so thankful that I became a member of Choice Home Warranty. Shortly after becoming a member, I had two plumbing problems followed by my clothes dryer failing. The service I received from Choice Home Warranty was rapid and excellent. They not only sent the information on repairmen, but they also followed up on the repairs to make sure we were pleased with the service. I am overjoyed by this service and plan to stay with them forever.


C
Carolyn
6/14/2017
Even though Items in their contract state they are covered, they don't cover them when they find out how much it will cost to fix. I appealed a ruling, no response, they should have fixed it but didn't and claimed they had changed their email address for their arbitrator...guess what...no response from that email address either. Stay away from this company = complete crooks!


C
Carol F
6/14/2017
The repairman came at the time he said he would. He was very nice and went right to work. Within about 10-15 minutes he was done and on his way. He left the area nice and clean which we really appreciated. I would recommend Nick and Choice to anyone. Thank you for being so thorough.



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