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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,200 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.
 
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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

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11200 Customer Comments & Reviews

Loading Reviews ...
Mardick N
9/17/2018
I'm very disappointed with this company. Something basic as a water heater is NOT COVERED . THEY TELL YOU IT'S COVERED BUT CHECK OUT THE EXCLUSIONS, SURPRISE !!!!!!!!!!!!!!!!!!!!!!!! a long list of excluded items, among this items THE WATER STORAGE TANK IS NOT COVERED. LOL. WITH CHOICE YOU HAVE NO PEACE OF MIND. SIMPLY SAID DEFEATS THE WHOLE PURPOSE OF BUYING HOME WARRANTY INS. I DON'T RECOMMEND THIS COMPANY

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration and dissatisfaction with Choice Home Warranty. Our Consumer Advocate will contact you to further assistance.
Margaret F
9/16/2018
They have been expedient in solving my problems, sending experienced businesses to fix the things that need to be fixed.

L
Luisa R
9/16/2018
He found the problems right away and fixed them efficiently. He arrived when he said he would and was polite and helpful.

E
Emad b
9/16/2018
Two weeks to fix my garage machine and they didn’t fix yet

R
Randy S
9/16/2018
The work was done quickly and professionally after the service company arrived. It took too long for the service company to schedule the appointment. I'm sure if I called the company directly they would show up sooner.

Stella J
9/16/2018
I have been a customer for over 2 years and have called about a few items. This time my air conditioner unit stopped working and the temperature was 90 degrees with 6 people in my home on a Friday. I went online put in my request received an email stating Andrews Heating and Air would be out Saturday at 3:00. I called the company they got there at 1:00 PM and at 2:30PM my unit was working. I paid $45.00. He was professional and respectful most importantly he called and came early. He was on time. Thank you

Pastor M
9/16/2018
The repair was good when it was done. However, you guys took from Sunday that I put in the claim all the way to Wednesday to find someone to do the job. Pretty much four days to get some done is too long plus the repairman took all the way to Saturday to come to my house to do the job. I had a water heater out and a wife with the flu and we went 7 days with could water because Choice could not find someone locally to do the job. I’m sorry but hat is definitely unacceptable for a good rating.

R
Robyn A
9/15/2018
I am not happy at all. I called in and said I was not getting hot water in Master bathroom. That plumber said new hot water heater is needed. It is 15 years old. He submitted everything and you all sent out another company that did not know what they were doing and charged me another $45 for same issue. Your rating above will not let me only pick one star or I would. I am not satisfied in how this was handled. Robyn Anderson 817-846–1996

J
Jane F
9/15/2018
Quick response to request for service and quick to get repairs done. Couldn’t ask for more.

P
Peter K
9/15/2018
Absolutely worst experience I have ever had with a warranty company. Had additional coverage for sump pump. After plumber called in to discuss diagnosis the claim speacialist refused to believe cost of the work that needed to be done to fix the problem. After 3 hours and no phone call to discuss the resolution, only 10% of the work was reimbursed. I would never recommend this warranty or company to anyone. Extremely poor customer service worst experience I have ever had. This company is only out for themselves and not the customer.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration. Our Consumer Advocate will contact you directly for further assistance.
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