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)
11,222 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.

11222 Customer Comments & Reviews

Loading Reviews ...
Jeffery F
11/28/2018
Quick, efficient service! Takes the worry out of home ownership. Well worth the money!

rmsjls
11/28/2018
Same day repair, very good. Check water heater thermals and in good shape. Did have some rusting parts and said he would let Choice know.

N
Nancy
11/27/2018
Tech did not show up as scheduled for 5 days. No phone calls etc. I was told by Choice Warranty that they are not an emergency service company even though it was my heating system in 14 degree weather

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Nancy, 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”
A
anicolas
11/27/2018
I bought a 5yr plan with a 6th yr included 7.03.15. I paid $2375 up front. It is now 11.27.18. I have made 4 claims over this time period. The pool pump, it was denied because the part (it was leaking- needs to be replaced) wasn't covered. My hot water tank, I rec'd this message "It has been determined that the cause of failure is a leaking water heater tank in need of replacement. Please refer to your terms and conditions section D number 6 “Excluded”; CHW is not responsible for main, holding or storage tanks." That pretty much is what a hot water TANK is! My washing machine, died also not covered The latest my refrigerator a mechanism in the door broke,this was their response... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
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”
G
Ginny b
11/27/2018
It took two tries to get my garbage disposal replaced. I find that some of your vendors need to be deleted from your referral.....they provide lousy service and I do not like having to give them the $45 fee and then they don't fix the issue. You should consider refunding us when this happens.

Chukwudi C
11/27/2018
I am sad and will not rest until you and your associates are prosecuted . You are deceptive, dishonest and unethical. I will send this to local news agencies to promote your dishonesty. Enjoy with my compliments. How can you claim you cover water heater and was due to be replaced by you technician and now telling me that your policy doesn't cover that were I ahve full coverage with you. chukwudi !

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Our Consumer Advocates have contacted you regarding this matter Mr. Chukwuocha. Please respond accordingly for your resolution.
J
Jack W
11/27/2018
Just purchased my second home warranty from Choice Home Warrenty. My first was for a rental home and now for our new home. Only used this company once and service was prompt and care free. When they tell you they get certified technicians to fix a problem, they mean it. Quick fix and curtesy is the name of the game. My purchase was also quick and easy, the salesperson, Barry, walked me through everything and even got me a great deal as a repeat customer. No complaints.

Debbie A
11/27/2018
I have been a customer of Choice Home Warranty for approximately 6 years ...and most of the time...have never been disappointed. Since my home was built in 1986...and NOW a retiree for 1 year...AND a single mom...I have depended on Choice Home Warranty to solve issues such plumbing..washer...dryer...water heater...air condition...The companies ate reliable. ..the technicians are through/explain questions in laymen's term...and dependable. ...The mostly fee for Choice Home Warranty is an investment for quality service...professionalism..and PEACE of MINDđź‘Ťđź‘Ťđź‘Ť!!!

Leigh S
11/27/2018
Great experience with my fridge issue. I received an appt. for repair quickly even though I placed the claim on Thanksgiving. The most outstanding service though was from the warranty rep Gary Frank. There is a reason my company uses Choice for our clients - it's because of his service.

Alfred J
11/26/2018
My name is Alfred James Policy #662396587. I am very disappointed in this company. I have been a member for over 3 years and have had 3 claims one of which was denied in which I had repaired my self for $340 two years ago. I have a claim in now for over a week. Heating problems CLAIM #71204924. My wife has since come down with the flu and I have a doctors appointment tomorrow 11-26. The lows have been below freezing and no one seems to care especially the tech that sent to my home. He came on 11/21 and said the blower motor bracket broke and yet to have submitted the diagnosis for repair so we will go at least another day heating my room with a propane heater. HVAC Solutions will not... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Dear Alfred James, 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. If you feel Choice Home Warranty has resolved your matter, we humbly request that you update your review. Kind Regards, CHW
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