Rating: 9.1 / 10 (Excellent)
10,682 Customer 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 is Choice rated?

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

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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Latest Choice Reviews

7.95
Based on10,682 Reviews fromChoice customers
jim.brodock

11/11/2024
It took three days to get a technician assigned and two more days before he is scheduled to come. That's a long time to go without a freezer.


Teresa L

11/10/2024
We appreciate Choice Home Warranty and the service we always receive. We haven't had a lot of claims but the claims that we have had have been addressed promptly and professionally within 24 to 48 hours.


ovajoyed1

11/9/2024
The last two experiences with Choice Home Warranty have been horrible! Our refrigerator/freezer stopped cooling and freezing Oct. 26. I put a claim in Oct. 27 and got an email saying that a tech would be coming the following day. No one ever came or called. I called Choice Home Warranty again and got the run around for an about a hour. In the meantime I had to purchase a small refrigerator so my family had some place to store the food that hadn't spoiled yet. We were then told that a tech would be coming Nov. 5 between 11am -3pm. Another no show. Choice warranty then told me that the tech would be here between 6pm - 8pm. Of course that didn't happen. I called Choice Home Warranty... Read More


maryshelton41

11/8/2024
The lady was very helpful and understanding. She got me together very quickly. I liked the way we interacted with each other.


M
maria b

11/8/2024
I hate the fact that I cannot speak to anyone on the phone but this time it worked out. Xavier knew right away what the problem was and it was fixed to my satisfaction.


phetej12

11/8/2024
The technician from C&D was wonderful. He diagnosed the problem and fixed it promptly. I’m so happy they were able to come quickly and fix my refrigerator.


lmcdonaldinks

11/8/2024
He has been to my house several times. He always does a good job and would recomend him again.


Joe M

11/7/2024
Excellent service. it was quick and compete. Tech was courteous and knowledgeable.


mrp83551

11/7/2024
My toilet was leaking and the technicians said they needed to pull the toilet to replace the wax ring. They called ya'll and they were told by ya'll that you would only cover $50.00. they said they couldn't do it for that and their boss said they needed to leave. So, I'm very dissatisfied with your performance! Hopefully ya'll will do better next time. But at this point, I would not recommend you - the techs said 2 home warranty providers were much better to work with so I'll keep that in mind. Ya'll continue to lower my expectations which I guess is the point.


memelissa4113

11/7/2024
My representative was very thorough and knowledgeable, Answered all my questions before I purchased the warranty, Definitely will be giving him a referral.


dvibe758

11/7/2024
Very helpful customer service! Placing a new claim was simple and understandable.


Robert C

11/7/2024
You guys are very fast and efficient when it come to payi g for the claim or fixing it


K
kathyltennis

11/7/2024
Technician was good. Cost for service visit by choice home warranty $100 is too high compared to other companies so we will be switching to American home shield.


J
Jim A

11/7/2024
I have previously (2 days ago) sent in a review. VERY satisfied.


J
Joe W

11/6/2024
Highly recommend. Easy process from start to finish. Quality and professional contractor was sent to complete my work.


lindseydarice

11/6/2024
The information about my claim was provided in a timely manner. I appreciated the detailed reminder that was provided.


K
karen h

11/6/2024
Will’s electric was terrific! He attacked our fan issue, repaired, and helped us understand how to use it. Such a nice guy!


jaysoup6262

11/5/2024
It's very difficult to place an order with messaging service. I place two orders with representative for plumbing work for two different items and got charged two different service charge totaling $130 using the same Company. It supposed to be $65. Plus, the company charge me an extra $10.


marycaitlin87

11/5/2024
The warranty for my home has always been there and very useful, doing exactly what it says. I couldn't imagine not having it.


Linda E

11/5/2024
I was skeptical when placing a service order with CHW because so many home warranty companies have horrible reviews. I placed an order online which was super fast and easy by just completing a form and paying the service visit fee. I got to pick my own window. No pesky humans involved - easy peasy! Lol The technician called me to let me know he was on his way within the specified window. When he arrived, he was friendly, courteous and professional. He diagnosed the problem, had the part in his truck, fixed it and was on his way. I am beyond pleased with this service so far!


Reginald L

11/5/2024
Your company does not believe in paying claims. I feel as if I threw my money away buying a policy from Choice Home Warranty.


Kay S

11/4/2024
Horrible company, did not provide services as promised. Called to have refrigerator checked as it was not freezing or cooling. I had unplugged machine and when tech came out, turned it on and said it was working just fine. Had to pay my co-pay of 75, three weeks later same problem, same refrigerator, had to pay 75 co pay, which I should not of had to as it was within 30 days. Basically told tech, what I thought needed to be done, he ordered parts, waited approximately 30 days for him to finish repair. Company would not refund my co-pay as they said I needed to call them, even tho on the claims request it clearly stated that same refrigerator, same problem. Called middle of... Read More


Tom C

11/4/2024
I didn't give you 5 stars because you are good with getting a vendor to handle simple appliance problems - - but --- were terrible when i had a water leak. You could not get someone and i had to go outside to handle.


scrapp21

11/2/2024
HE WAS VERY THOROUGH AND EFFICIENT AND WAS ON TIME LEFT THE AREA NEAT AND CLEAN


Donna D

11/2/2024
Many thanks to Choice Home Warranty for accommodating my difficult schedule by assigning the Top Tier Garage door repair company to my claim. Devon at Top Tier was Exceptional. He ALWAYS answered his phone when I called. He ran a few minutes late for our appointment, but I didn’t care AT ALL because he called me and told me that he would be a little late. He introduced himself to me when he arrived at my home and he shook my hand. He was dressed neatly in a Top Tier uniform. He was extremely knowledgeable and patient, answering ALL of my many questions. He even lubricated my cables. He was Customer Service, perfection, and I will request his assistance again for any future issues with my... Read More