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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,547 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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10547 Customer Comments & Reviews

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Patty M
12/29/2015
This warranty company is awful! The seller of the house we bought used them for the home warranty, a month into owning the home the hot water tank went out. We called the company, it took two days for the technician to arrive, he said we needed a new tank and left. Two days later another technician came out and was unable to look in the tank because his wrench broke. Choice HW called us and said our claim was denied because there was sediment build up which caused the wrench to break and it should have been flushed out every 6 months. First of all, we just moved in so we have no control over what the owner did or did not do to maintain the tank. Second, the technician NEVER EVEN OPENED... Read More


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Helen G
12/28/2015
Only had one month going to cancel first claim denied said problem pre-existing not acceptable paid for one year service up front will look for another company


S
Sara L
11/20/2015
I looked this company up online and decided to click for a free quote. literally 10 seconds later, my phone rang with an agent from this company. When I told him I needed more than a few seconds to look over their website, he sighed loudly and sarcastically and hung up on me. Literally 30 seconds later, I got yet another call, and when I told this agent that I wanted more than a minute to make up my mind, he said, "It's alright with me if you want to pay more..." and that's when I hung up on him. I think I'll just pass on this company if this is their M.O.


S
Sarah S
8/20/2015
This company does not cover what their coverage states. When they say they cover ALL components and parts, they most certainly do not. They have continued to reject all of my claims even though nothing was my fault, but product malfunction. Low cost to have someone come out; however they cover very little. Read terms and conditions...they don't even abide by their own.


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norm c
6/25/2015
The warranty says they cover hot water heaters,the whole unit but not additional storage tanks.If your hot water heater leaks,they charge $55 to look at it and then tell you the hot water heater is not covered because the tank is not part of the hot water heater.True story ,as ridiculous as it sounds


J
Jennie M
5/6/2015
Very poor choice for a warranty company. This company is dishonest and finds every loop hole to not cover a claim. I was with them for 1 month and 10 days and had to cancel due to their very incompetent subcontractors. They use subpar contractors to do their work and they find reasons to not approve the claim. I have had a warranty company before and did not go through any of the issues I had with Choice warranty. To make it worse, upon canceling they tried to overcharge me - they told me the cancelation fee was $50 which was actually $37 and they pro-rated by the month as opposed to the days so 10 days actually turned into 30 days for the pro-rated amount. Use American Home Shield or a... Read More


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Steve R
4/16/2015
TOTAL RIP=-OFF AND SCAM. AFTER BEING PRE-WARNED ABOUT THIS COMPANY I RELUYCTANTLU PURCHASED A POLICY, AND REQUESTED AN ADDITIONAL COVERAGE PROGRAM. I WAS TOLD IT WOUD BE A 30DAY WAIT BEFORE SUBMITTING A CLAIM. WHEN I DEID, AFTER 33 DAYS, IT WAS TURNED DOWN. THEY CLAIM IT WAS A PRE-EXISTING PROBLEM, DUE TO THE AGE OF MY REFRIGERATOR. APPARENTLY, THEY CALIM, THAT DUE TO NORMAL USAGE, THE ICE-MAKER STARTED TO DETERIORATE FROM THE CATE OF PURCHASE, TGHEREFOR BECOMING A PRE-EXISTING POLICY. WELL DUH, OF COUSE THINGS WEAR FROM USAGE. THAT OS WHY I BOUGHT THIS POLICY. THEY HUNG UOP ON ME, AND THEN BLOCKED MY CALLS SO THEY WOULD NO ONGER ANSWER ME. I HAVE CONTACTED THE BBB, AND THE POSTMASTER... Read More



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