Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
  1. Home
  2. Home Warranties
  3. Choice Review

Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,229 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.
 
View Top 10 List

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
http://www.choicehomewarranty.com/
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

Our Comments Policy  |  How to Write an Effective Comment

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.

11229 Customer Comments & Reviews

Loading Reviews ...
B
Bertun B
1/12/2019
I am not satisfied with either of my claims both my garbage disposal unit and my refrigerator. neither have been concluded at all.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback Bertun. Our records show that both of these claims were covered. For further questions or concerns, please contact us directly at 1.888.531.5403.
C
Christiana J
1/12/2019
Dryer drum would not turn. Repairman came yesterday and told me to just push a button and manually turn the drum to get it started and that should do it if I have the problem again. Just went to use the dryer and it would not turn on. Obviously there is something more to the issue as to why the drum will not turn on its own, which was not even checked even after I questioned him.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration Christiana. We have dispatched the technician to return to your home to further diagnosis the unit.
C
Carcomres2
1/12/2019
The electrician’s were professional, quick and The owner made a follow up call to ensure we were pleased with the service. Exceptional quality services!!!

Michael M
1/12/2019
Excellent customer service! I was very impressed with the service technician!! Extremely nice and professional!

Christina A
1/12/2019
I have three plans with this company. One for my home and two rentals. Had an issue with a plumbing valve. They denied the claim saying they don’t handle frozen pipes. Never once did I nor the plumber state a frozen pipe. They told me to write a dispute and the plumber needed to contact them again. They then denied the dispute making up some other reason which again was not the complaint just to avoid having to pay for services. I gave up. But they will not get renewed this year. And for those claiming they pay out a settlement when something breaks. That’s not how it should work. I had my hvac go out on my previous home 10yrs ago and the warranty company paid out the full $6000 for... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback Christina. 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”
T
Tony
1/11/2019
Had a furnace problem and it was cold Choice had an HAVC company at my house within a couple hours they had to go get a part an back in less than 1 hour and fixed Thanks

D
Daniel K
1/11/2019
Technician was very professional and efficient? I would highly recommend him. I think the response time for Choice is fairly slow.

Dalia G
1/11/2019
Please add to the email for scheduled appointment to make sure to contact vendor before appointment otherwise it may delay completion of service.

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.
Karyn P
1/11/2019
Very difficult to get a plumber to come out to fix a toilet. Had to wait over 48 hours before someone even contacted me. Then the plumber promised he would be out and stood me up for 2 days. Another search was stared by Choice and I finally got my toilet fixed (which was a 10 minute job) , 7 days later. Choice blamed the plumber, however Choice is who I deal with and the plumber is contracted by them. This is totally unacceptable!

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We strive to provide the best customer experience, therefore, we regret to hear that you had a less than satisfactory experience with us. We have applied a onetime free service call fee onto your policy, in hopes that your next experience with Choice Home Warranty meets your expectations. Kind Regards, CHW
mlcbulldawg
1/11/2019
I have called several times regarding the same plumbing issues- water valve overflowing in front of house, toilets not flushing, water bubbling in drains when water is running in another room, water backup in tubs, sewer rising in tubs, water leaking from pipes in laundry room. CHW is good at customer service and dispatching someone to come out. However, the underlining issue haven't been fixed hence have called several times about the same issues above. When tech comes they flush the water valve in front of house and less than 3 weeks later issue has reoccurred. I need CHW to have a tech to find out why this is repeatedly happening and to fix it. Once that happens I will be happy. CHW... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback. We regret to hear your dissatisfaction. We have dispatched the back to the home to make the repair. We have applied a onetime free service call fee onto your policy, in hopes that your next experience with Choice Home Warranty meets your expectations.
Top Rated
Our Partner

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

  • A+ Rating from the Online Business Bureau
  • Covers Major Home Systems, HVAC & Appliances
  • Custom Plans With Flexible Pricing
  • Request Home Repairs 24/7
READ FULL REVIEW >
CALL NOW
See Details

Related to Home Warranties

Top Articles
Suggested Comparisons