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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,233 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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11233 Customer Comments & Reviews

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tamara j
2/26/2019
The plumbers that came to my house, came ahead of schedule, knew just what to do to fix the problem, and had me satisfied in less than 10 min. I am just thrilled with their performance!


Tom M
2/26/2019
The customer service reps at Choice are always professional and polite, willing to help. The price for a policy is also a plus, I pay less than $300 per year for my home. The only downside can be their subcontractors. At time they can be slow to respond and are often small or one man shops with limited capability. Currently I am waiting for repair of my refrigerator and it has been since last week Friday and might be another week before the repair is done.


V
Val
2/25/2019
Excellent Service!! Fixed in a speedy time. 5 Star Service. Excellent Company.


D
Debra H
2/25/2019
A friend referred me to you, but after my initial "request a quote" I got several calls a day from different numbers. I blocked as many number as I could , but the number of attempts is way overboard. I've asked reps numerous times to take me off the list. Please take me off the call list.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback. Please send your email/phone number to respond@choicehomewarranty.com and we will assist with placing your info on the do not call/email list. In the subject line, please advise “Consumer Advocate Reviewer”

M
Mike
2/25/2019
Very impressed With how smooth the warranty went.LK heating and cooling was very professional and fixed the problem the same day.!


A
Asencion B
2/24/2019
The technician assigned to look at my washing machine did not contact me prior to my request to let me know when he's enroute. That was inconvenient. Also after informing me the problem would take some time to see the decision with CHW next move. I called an hour later and Representative "Charles" went the extra mile to email the tech. of his sending his report to CHW. The tech. responded he would at the end of the day. . . The next day I got a notice from CHW's decision. I was so relieved that CHW Representative was able to give me the results. I was without a washing machine for a week so to get a prompt response was crucial to me what my next move would be. Thanks again CHW... Read More


L
Lynda
2/24/2019
A horror story. Been with this company. For over 6 year but you have a problem after 3 pm on Friday they left me to die. I called them and they couldn’t have anyone to fix my Airconditioner until Wednesday! I was told I can get my own people and if covered I would be reimbursed They put me thru to that department. They asked me the parts I needed and if I had the numbers. I gave the phone to the tech I had called in.and gotten on my own. He was not one of their approved techs. He let them know the info he could but he had no idea about the price but told them his office would let me know on Monday with a diagnosis and price. I spoke to one of your supervisors and told her the... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration Lynda. Please send your policy/claim number to respond@choicehomewarranty.com as we would like to provide a satisfactory resolution for you. In the subject line, please advise “Consumer Advocate Reviewer”

Ronald R
2/24/2019
Choice Warranty approved the work to be done, but it will take up to 2 weeks for the part to be in so the job can get completed. Not satisfied for the long wait, for my dryer to be fixed.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the customer experience, therefore, we appreciate your feedback.

Jerry P
2/24/2019
Our dryer problem was referred to FIRST CHOICE ELECTRIC in the Durham/Cary NC area. They responded very quickly and kept their appointment times. The technician was very qualified and personable. He had the necessary part and returned to complete the work the next day. I recommend this company highly.


M
Migdalia L
2/24/2019
This time I have to give you 3 stars because the company you hired to the job has not done it, and I'm still without electricity to my ac unit since 2/13/19 and the electrician wasn't professional. I have reached out to you and unfortunately, nothing has been done.



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