Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more

Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,319 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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

Leave a comment for Choice Home Warranty
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

11319 Customer Comments & Reviews

Loading Reviews ...
B
Brett K
7/8/2025
I paid to have my pool covered and they won't fix the control panel.


E
Ed L
7/7/2025
You have the wrong Coverage Address, 2225 Sand Point Rd, BYRON, C, CA 94505. Should ne Discovery Bay


brownhobson56
7/7/2025
Very professional and very helpful .I want to you for your assistance.


J
June F
7/7/2025
Angelo, the technician that came out, was very knowledgeable, helpful, and got here in record time! Hope to do future business with him!


calauron
7/7/2025
I appreciate Alonzo Hamilton for his great customer service in providing the information and patience working with me. To provide a great Home warranty and added home protection. Sincerely, C.Lauron


P
Piers
7/6/2025
Can’t leave a 1 star rating or I would. Their rating starts at “good” … not at “poor”. Bought the policy for “$62.something” haven’t received the policy number yet, and trying to cancel it… my advice to others…look before you leap!


pinonchick
7/4/2025
First time ever the DISPATCHER called ME... w/ update and we shared the best city's nearby for other techs... Got a great guy, clean, efficient, knew his stuff, foto of appliance label, and returned w/ correct part and installed. I'll have this person again. Excellent service for the repair.


A
Andrew M
7/4/2025
This company is a complete disaster. 1. They only have "AI Chat" to work through, and you CANNOT reach a human. They allow you "escalate" the issue, but a "human" responds to you with an email that says please send us a message reply. That goes nowhere. THEN, if you try again with the "AI chat", it tells you to call a phone number "for a personal touch". If you call? It puts you in the queue, and says "We'll call you back when the next agent is available." Yeah.... it's been 5 days and I'm still waiting. I QUESTION IF ANY HUMANS ACTUALLY WORK THERE!?! 2. They deny claims and provide no basis for the denial. Your ability to "appeal" is again routed back through this automated... Read More


madsenmichael149
7/4/2025
A-1 Plumbing were great! They responded the same day and were here right on time. Both Shaun and Reece are friendly and professional. Reinstalled a garbage disposal, which unfortunately Choice did NOT cover, and cleared the obstruction to my kitchen drain. I would use them again, but had to pay $175.00 for the disposal and labor. Not satisfied with Choice in this matter.


hebesdc
7/3/2025
My Plumber found an issue with my feed lines while addressing the main concern (which was my faucet). His recommendation was to replace them (for$20) to prevent a problem down the road which would cost me considerably more. CHW would NOT cover the $20 for these parts!! Furthermore, at that point, they were supposed to re-imburse me $130 but short-changed me by $5 and only gave me $125. Wow!!!! talk about nickel and diming people. At least give me the full $130 which is what I deserve. I tried to connect via a chat but only got an AI robot who could not do math!!! Not good CHW, not good.



Top Rated
Our Partner

🔥 $150 OFF + 2 Months Free* - Plans Less Than $1/Day

  • 🏅Online Business Bureau Accredited with A+ Rating
  • Covers Major Home Systems, HVAC & Appliances
  • Custom Plans With Flexible Pricing
  • Request Home Repairs 24/7