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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 —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

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P
Pam N
9/26/2016
My AC went out and someone was there to repair it early Saturday morning, without hesitation. That means a lot especially when your child has Asthma.


K
Karen C
9/25/2016
I called about my dryer not getting hot and in a day and half technician was out and diagnosed the problem. He was very nice and is getting me the part and should be up and running soon. Calling and getting a technician out was easy and Choice made sure I was in the loop with update emails. I am very happy that I am with this company


E
Emmie B
9/24/2016
fast and friendly service . wonderful. very knowledgeable


M
Michael S
9/23/2016
Quick and easy, one call and the AC tech was on site, fixed the problem and the AC is working great.


R
richard m
9/21/2016
I got warranties for several apts I own. had a problem with a/c in mid May. The first contractor tried to rip me off by claiming the warranty did not apply and demanded a large deposit 2 days after my claim. we complained and warranty was upheld but spent over an hour on hold w/ Choice. Then contractor came back and reassessed damage to be double and demanded a deposit. Because tenant needed a/c we agreed and sent a deposit . Work never doen. after 5 days on hold total of 6 hours w/ Choice. we got 2nd contractor who gave a lower estimate with no deposit. we weretold first contractor dismissed from Choice . Not true. Second contactor took 1 1/2 months to repair. We spent over 20 hours on... Read More


L
LINDA J
9/21/2016
I thank God that I have CHW because my Garage door would not go down and few days later a pipe broke in the ceiling and at the same my bathroom hot water line begain to leak and CHW was there to save me. Thank you CHW the service was great .


C
Charlie G
9/20/2016
Gary @ Beach Light Refrigeration did a great job repairing my ranges oven. He was on time and completed the repair in a timely manor. Again thanks for the great service. Charlie


D
D
9/20/2016
After reading the reviews that I should have read before I choose this company and I see that I am not the only one that think that Choice Home Warranty are complete scammers they do answer their phones speed lightning when you are requiring about a home warranty coverage but once they sucker you in and you finally need file a claim you better kick back and take the week off from work they will give you the run around. There customer service is "horrible" they are the rudest people ever they talk to you like you are stupid almost made me want to get on a plane and go to their location and....... I will keep that professional and not get on their level, they do also by reading the... Read More


A
Audrey R
9/19/2016
I have had Choice home warranty for about 6 months now and I am completely happy with my choice. I have called them to help with 2 separate issues and both have been resolved effectively and quickly. The customer service was very helpful and friendly and the contractors I feel went above and beyond to help with my problems. I have actually referred a couple of my friends to Choice.


P
Paul C
9/18/2016
We recently had our ceiling fans checked as they making a clicking sound that was getting on my last nerve! The repairman arrived on time and was very helpful and checked all the fans. He discovered the source of the noise which was the wiring on the top of the fan where it connects to the ceiling. He re-positioned those specific wires now we have peace and (cool) quiet. Thank Choice Home Warranty for a great job!



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