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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,548 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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10548 Customer Comments & Reviews

Loading Reviews ...
Kathy M
6/8/2016
the tech, was polite, courteous and very efficient


Rob S
6/7/2016
I was so excited in the beginning of my policy because most things were small in nature. As soon as I had a stove issue come up it was a comic show. Nothing happened unless I picked up the phone and demanded results which always were not to repair my oven but to tell me why it was taking so long. Then my AC has a leak by their technicians report. When asking for approval they denied for no preventive maintenance done on the unit. I then produced that so the came again to take better pictures and denied for rust. What AC unit doesn't have rust on the inside. Anyway I cannot get away from them quick enough. Oh, and don't ask for a supervisor both of my cases they were so rude and this is... Read More


Linda P
6/7/2016
Quick response to request for service. Item needed to be replaced. The item was replaced without question. Techs were professional and we'll informed.


Darlene G
6/7/2016
Wont pay claims. Quick to take your money, but refuse to pay large AC claim


G
Gary J
5/26/2016
Be careful, they don't cover water heater tanks or dampers on your heating or AC systems.


khalid a
5/12/2016
Worst home warranty. I got it last year. First of all customer service is so poor that you have to wait for half an hour to speak to someone. When ever you place a claim you will find out that it is not covered by warranty. It is useless warranty. I will not recommend any one to buy it. - Khalid Aziz MD


Margie H
5/4/2016
I would not trust this company. I was with them for a year and when I signed up I was told I had the best plan you could get. When my hot water heater went out they lied to me and told me I didn't have the plan that covered that. If they can't fix it and it needs replacing, then you're out of luck.


R
Rory E
5/4/2016
We recently filed a claim for our air conditioning unit. It is not cooling and a contractor was dispatched and arrived quickly. They informed us that we would need a new condensing coil and possibly a new system. He took all the information and was told we would be contacted by Choice. In the past three days, I have received a call from Choice and when answering, I was placed on hold waiting for a representative. Each time, after 20 – 25 minutes, the call was terminated by Choice. I phoned back and the same thing happened. We then called sales and the call was immediately answered, but of course they transferred me to another number where I was on hold for 15 minutes before a person... Read More


D
Darrell H
5/2/2016
We are having a hard time with this company. We have a claim in now. hopefully it will cover. We have a spa Go out does not cover it because it is in our floor not in the ground. We paid 2 years for this coverage and found out waste of money. Got reimbursed $40 and they will not reimburse for the full two years. Had a Air condition go out does not cover. We have a claim in now with our water pump. I had to find our own company because we had to wait all weekend and still they did not have someone. Paid ourselves hopefully they will cover the cost and reimburse us. Fingers crossed. All of this has gone out in a few month period. Company is not friendly. All that money down the drain,... Read More


V
vandana
4/20/2016
A little more than a year ago I switched to choice home warranty to cover warranty for my home. As per their offer, I paid for 5 years warranty in advance. Until last week I used them only once for a very small issue. Last Thursday reported lack of cooling (claim #57134237) and they sent someone to check. There was no Freon in the AC unit, so they asked me to do Leak check at my cost, as they did not cover this. I got it done from their technician and paid for it. The findings were that evaporation coil is leaking and needs to be replaced. Now they are telling me they won't cover this. When I purchased the warranty, i was told that all air condition issues were fully covered. They are... Read More



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