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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,551 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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10551 Customer Comments & Reviews

Loading Reviews ...
E
ellen
11/30/2016
when we first got Choice Home Warranty we was pleased but the last three claims they done nothing I had an element went out in my stove , washer wouldn't spin & last the thing I need a plummer I paid for the part for my stove & paid the man to put it in they told me to find someone & they would reimburse me same thing on the plummer I did again fax them the bill told me that what I had done was not covered so why pay Choice Home Warrenty a monthly payment I am disappointed


A
Andre A
11/30/2016
The way you handle my claim was excellent and extreme professional. I will recommend your company to all my friends Thank you for the job done well


M
m r
11/30/2016
This is perhaps one of the cheapest companies, but the coverage is not worth a thing. They have so many exclusions that it is almost impossible to get them to pay for anything. Do your due research before choosing a policy to make sure that there aren't ridiculous exclusions.


Eric C
11/30/2016
I had a problem with my oven range for a few days I decided to use my choice warranty for the first so I called customer they gave me assistance to a contractor he was there the next day did a excellent job was very pleasant and cleaned up the mess


J
Janie h
11/29/2016
We have had several deLings with Choice Home Warranty. We have 4 houses with coverage from Choice. The technicians who come out are always friendly, efficient, and thorough. We used another warranty company in the past, but were disappointed with their coverage and helpfulness. Thank you, Choice, for taking care of our houses!!!


R
robert r
11/29/2016
hi on thanksgiving my garbage disposal broke down and i called choice home warranty and they got me hooked up with a repairman right away on thanksgiving day and they follow up on a couple of times befor i got it fixed thanks choice home warranty ROBERT ROUSH


L
Linda R
11/28/2016
Was very pleased with the service I received on the repair of my refrigerator. Repairman came in a timely matter, but did not have the part and had to reschedule. Would recommend Choice Warranty for your home repairs.


D
Donna N
11/28/2016
DO NOT USE! SCAM!!!!! Have a fine print reason not to cover any issue. Can never speak with a supervisor. Customer service is rude. Misinformation at sign up and anytime there is an issue. Contractors they use have complaints about them all over the internet. BUYER BEWARE!


Rob G
11/28/2016
After cancelling my policy with choice about 6 months ago, I tried to give them another shot. I filed my 2nd claim recently (the first had to do with the drain pump on my washer and, although they first denied the claim based on a their theory that it was a "pre-existing condition" (I explained to them that my house is old so just about all my appliances could theoretically fall into that category), they ultimately replaced it although their attitude was like they were doing me a favor (this was about 60 days after I took their 5 year warranty "special deal"). Now 5 months later my old garbage disposal was on the fritz (it was spewing water when I turned it on and ran the faucet) but this... Read More


K
Kristi s
11/27/2016
They came out next day and replacedo my leaking garbage disposal.



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