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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,448 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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11448 Customer Comments & Reviews

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M
Michael P
2/9/2022
Called in 28 January 2022 about commodes leaking and it took 10 days to get plumber out here. The plumber did text me on/ about 3 February 2022 and changed appointment to 7 February 2022 never did hear from phone calls put in. Work was completed on 7 February 2022 but 10 days to us is a little too long.


K
Kent K
2/9/2022
Service great just disappointed of the allotment on replacement cost only gave me 30% on new model never saw the fine print replacement cost is prorated


arendstm
2/9/2022
This technician went above and beyond to make sure my issue was fixed correctly. I had submitted a claim for this same issue two months ago but the technician at that time installed the wrong part which broke last week. Choice, because of their strict policies, refused to pay for a new part. This technician wanted to do the right thing to make sure it was fixed correctly and he paid for the part himself. I understand the rules and policies in place for your company but your decision to let my shower go unfixed because of an incompetent technician, has left a negative review in my mind and I will not be renewing my policy with Choice. The technician, however, will have my business moving... Read More


G
Gary B
2/8/2022
We just recently selected Choice Home Warranty to take care of problems with our appliances, plumbing, electrical system, A/C, and our pool equipment. This is the first time we have used this type of service and we reviewed several of the highest rated companies. We feel that Choice was the right choice for us. The representatives we talked to were very courteous and explained how their program worked. They also answered all of our questions. The program we selected covers everything we wanted and the price was very reasonable. We have not had an occasion to to use their service yet, but believe they will do a great job when we need them.


arieathome
2/8/2022
S&J was on time, professional and flexible. Gabriel had to be flexible because when he called CHW regarding my claim on Saturday no one answered the phone. So he fit me in on Monday though he had other clients. He did a good job changing out the bathroom faucet, even cleaning up behind himself. Should I have other plumbing issues I would prefer this contractor. Regards


D
Debra G
2/8/2022
Daniel was awesome! He tried very hard to provide the best coverage and price for my needs. I will definitely recommend him and Choice to my friends and family. Best, Debra Gilbreath


sgtsmaj74
2/7/2022
I have had Choice Haome Warranty since 2015 and have had to use them only a few times. However, when I needed them it was at full speed. They have noe er hessitated to take my calls very serious and have an appointment set up for me very quickly. Great Company. I will renew with them, no other choice for me. Highly recommend them to all.


S
Susan B
2/7/2022
My husband and I just joined Choice Home Warranty. Nathan was very knowledgeable, helpful and patient as I left him holding while I shared information with my husband. We currently have a plan elsewhere that we're not happy with. This new (price locked-in) 3 year plan offers so much more and will save us a little over $1,000.00 during the 3 year period. The rate for service calls is considerably lower too.


scooterzsglide
2/6/2022
Waiting on outcome of this problem as our first submission was denied due to loop hole


greenv4157
2/6/2022
Nothing has been acomplished in a week . This time I am not happy . An Appointment was scheduled the person did not show or call . I still have my problem . Not happy that I have to pay out of pocket and get my money back in a month . You need to get a technician to do this work . There are very many Technicians all around me . Please take care of my problem .

Maurice W  
Official Response

Consumer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the customer experience, therefore, we appreciate your feedback. We have shared your feedback and concerns to the Customer Relations Director who will review this matter and handle accordingly.


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