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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,107 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 β€”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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11107 Customer Comments & Reviews

Loading Reviews ...
Denise L
11/3/2016
I've had Choice Home Warranty for about 3 years. I've had a total of 3 claims. They replaced the heating element on my dryer. My 5 year old refrigerator drain was clogged. It wasn't very bad but enough to cause ice to form on the bottom of my freezer floor. They also denied another dryer claim I had. They said lack of maintenance on both the dryer and the refrigerator. This is really my first time ever having a clog drain pipe. The guy that came offered to fix it on the side because he also has his own business. It also happens to be a maintenance company. You pay him 50.00 down and 30.00 dollars a month and he will come out every six months to "maintenance" your appliances. He... Read More


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Laura
11/3/2016
I've had Choice Home Warranty for several months now. I chose this company because of their low rates and low service call fees. You get what you pay for... They denied every claim I made claiming it was always something listed in their exclusions. Even when my microwave caught on fire, they said it was due to buildup...which is excluded apparently. Even when they deny a claim, you still must pay the service call fee. I ended up spending more money by filing claims with this company than I would have just calling repairs companies on my own. This company is terrible! I have cancelled my contract and am looking for a new warranty company.


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Abdul S
11/3/2016
Was excellent service.


L
leahlivingstone
11/2/2016
I have had no problems with you all. Every time I have called you all. Someone was here the next day and fixed the problem. when my microwave stop working and could not be fixed you replaced it.😊😊😊😊😊😊😊😊


F
fred
11/1/2016
This company has a long history of denying legitimate claims, like my AC. Do not trust their sales pitch, they do not follow through. Check them out on Ripoff Report! I wish I had read the reviews before I made my purchase!


Cheryl B
11/1/2016
Service was great. I was able to get my dryer fixed same day even with replacement parts required. Tech had everything needed on hand.


R
Rodney Y
11/1/2016
Does not cover AC very well, I am still waiting on a check for work I had done that the said they would not cover but still wanted to give me money for not changing. LOL burn me, right!


Olyemphis H
11/1/2016
My name is Olyemphis Huff and I ask they you please do not use this company they are the worst ever I have been paying them for about 2 yrs and when my heater went out they came up with every excuse not to pay for repairs b/c they were way over the 100.00 authorization limit they have for the repair company. The company they sent out was PM something. They came out on last Tuesday and told me that they would order the part I needed and come back to install it in a few days. I then told the guy that I would be off on Friday so let do that day and he agreed. Friday he shows up with another tech and after being under my home for about 20 mins they advised that they would have to order two... Read More


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Andy K
10/31/2016
I filed a claim on July 2016 to get my washing machine fixed, today is October 31 and the washer still has not been repair. All I get from Choice is the run around and lot of excuses. TERRIBLE CUSTOMER SERVICE.


T
Tiana P
10/31/2016
I have had several home warranty company throughout the years, but am very pleased with CHOICE. They immediately dispatch a technician, follow-up to make sure the appointment has been scheduled and finally, reaches back out to make sure the work was done to my satisfaction. I recommend this company to anyone looking for a home warranty company.



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