Rating: 9.1 / 10 (Excellent)
10,547 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

7.94
Based on10,547 Reviews fromChoice customers
Ozy P

9/20/2024
The plumber tech was excellent. He knew what he was doing and showed me what was going on with my problem.


B
Barbara

9/19/2024
Fast response for technician appointment. Excellent, friendly service tech. Issue resolved on initial visit.


jcheap42

9/19/2024
Limited vocabulary. Did not recognize the cause of the trouble. x x


M
Mikhail L

9/19/2024
The leaking garbage disposal was promptly replaced by your technician on 7/19/24 with a new disposal. The technician leaved no documentation for the repairs he performed nor the warranty for the new disposal. I paid $75 for this visit. Now, less than two months later the same problem occurred and the leakage resumed under the sink. I have requested a new repair. Am I still responsible for the $75 fee?


rodoglg

9/18/2024
Fast response and assignment of repair people are prompt. The technicians assigned to fix our two repair issues are very friendly, nice and honest.


jackiehamilton55

9/18/2024
The technician diagnosed the issue and had it resolved in under .50 hour. However, I noticed that he is located in Tampa which is a significant distance from Fort Myers. Are there no technicians in the Fort Myers Area?


grxsteamteam9

9/18/2024
The tech was friendly, knowledgeable and took care of our situation to our satisfaction.


Richard ﺕ

9/17/2024
Unreal service! As a first time home buyer, to have Choice Home Warranty come in with a repair man and fixed the issue. Quick, easy, bing-bang-bong, no time wasted at all. I was skeptical at first, but now, 100% all in!


eshapiro590

9/17/2024
The old expression..."you get what you pay for"... could not be more accurate than when you buy a policy with this company. Their warranty policies and service call charges are the lowest out there for good reason. The language in their contracts is written in such a way that they will find any and every reason possible to deny your claims when you reasonably believe you have repairs that should be covered under their home warranty policy. Run...don't walk...away from purchasing a policy with this company.


B
Bill B

9/17/2024
The technician was very considerate and professional. He knew what to do and completed the project in a timely manner once he had the correct part. He fixed the old microwave without having to take it out of it's position above the stove. Had I not had the Choice Home 'warranty policy, I would have taken the microwave out and purchased a new one before trying to install it. I did that once many years ago, and I do not have the strength to do that now. The policy is good for us old people.


kal2chixx

9/16/2024
The technician came out and determined the issue and left stating they would order the parts - subsequently there was not response for 2 days until a letter came stating no work would be done as my machine was under warranty. a brief mention of that by the tech would have been nice or a quick text.


k.stephey56

9/16/2024
When opening up a contract with Choice Warrenty the representative was very precise and knowledgeable about their service. It was an easy application and took no time at all to get done.


jbennett2152012

9/15/2024
Our tech was very educational , personable and thorough. Would recommend him and our Choice Warranty company to everyone! 😊


akeetaward

9/13/2024
Fast service and excellent results. My claims are always taken care of right away.


Greg C

9/13/2024
The technician was very professional and friendly and got my air conditioner unit working right away very knowledgeable


Vicky F

9/12/2024
Excellent service great pricing great coverage A plus company. 5 stars Vicky Hillsboro Beach Fl


pamsamuels71

9/12/2024
Technician was good, however Sandra kept calling Us about a payment. When it was verified technician received it


marple321

9/11/2024
Tech made contact and followed up with our needs. Would recommend this company!


S
SUSHILA M

9/10/2024
It was easy to file a claim. I called and had to leave my phone number. Got a call back within 3 mins.


Chris A

9/10/2024
Did what was expected had parts that was needed and completed in about 30 minutes.


M
Mimi H

9/10/2024
I’ve just started with this program and can only comment on the introduction snd sign up. “Choice” personnel were polite, patient and informative with great follow-up. I can only hope that, when l need their service, this experience continues on this really good introductory experience.


lecimoralita

9/9/2024
Not happy with choice home warranty… from 4 claims have not have any resolved. Wasting my money with this company…. I Do not recommend it. Not one star


sstacy1956

9/9/2024
Have no problem setting up when we have a problem. has always fixed the problem with no problems at all. Very fast a efficient


1184bar72

9/9/2024
Andres explained all the coverage I would receive. Very pleased with the cost and the high ratings of the company.


K
Kathy &

9/9/2024
Navid from Sable of Texas LLC was very knowledgeable, professional and friendly. He did a great job explaining the issues and follow up.