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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,714 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.

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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10714 Customer Comments & Reviews

Loading Reviews ...
staffelj29
11/21/2024
We started with a fan capacitor going out in the furnace unit. It took 5 weeks to get this handled during this time the Condenser went out due to access pressure on the unit waiting for the Furnace unit to be replaced. Instead of using the same service technician that replaced the furnace and had trouble shot the condenser you made me us another ( inept company) technician who took 4.5 weeks to replace the condenser. Once the weather cooled we went to turn on the heater only to find out it would not warm. I contacted the service technician that installed the furnace and they did not want to come and check on there work. Choice Home Warranty made me start a new claim to have the furnace... Read More


dmccray708
11/21/2024
The technician was very helpful and experienced. He was very respectful and provided great advice.


bjlongacre
11/20/2024
My scheduled was for Tuesday the provider had an opening on Monday which I excepted. He arrived on time but your system would not permit him to access the system for approval. Tuesday time slot was filled. Rescheduled for Wednesday. Your email said I could schedule a different time which seems not to be true. I have very good claims with your company this was very troublesome. Please fix your system. Thank you. Barry Longacre. Contract #570548629


J
Julia S
11/20/2024
Mr. Boyd came to my home after a visit from Mr. Quik. Everything they said was wrong with my furnace was not true. Mr. Boyd showed me that it all wasn't true. It was a relief to find out it was all false. Thank you for a second opinion.


J
Johann P
11/20/2024
After running into some breakdowns at home, I remembered that I had purchased a home warranty from Choice. I was impressed with how simple the claim process was and how quick they were able to send a technician out. Saved me a lot of time, money, and headaches!


michaelgoode07
11/20/2024
Technician was polite, on time - just wished he could have resolved the HVAC issue in one visit. Gonna get cold this week!


Gracie T
11/19/2024
Everyone i spoke to was so helpful friendly. Helped me fill out paperwork


janiedaum
11/19/2024
He did a good job, but I had to pay 40.00 for a second remote, when I had 2 remotes with original unit. He used a different part then was ordered which required a new remote. To make me whole ,I should have been given 2 remotes.


mecampita
11/19/2024
the technician was very good, and after speaking with Nevada I am pleased with the results, and I’m working on my microwave replacement. The previous manager, Lydia Colbert, ex.3673, was not very helpful, she did not give me any options , she definitely needs a refresher course in customer relations. After speaking with Nevada, who gave me suggestions as to how I could get my microwave sooner, I felt relived and grateful that CHOICE had the wisdom to hire someone as competent as Nevada, a problem solver, and people person. Thank you so much.


tlclarke09
11/19/2024
I have recommended CHW to my friends. The service I've received has been fast, friendly and completed correctly. As long as it stays this way, I'll be a member for life!



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