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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,692 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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10692 Customer Comments & Reviews

Loading Reviews ...
J
Jocelyn A
8/3/2016
Always prompt service and good line of providers. Thanks !


E
emelda y
8/3/2016
My first claim was in Feb 2016 my dishwasher needed to be replaced, i was told that a check would be mailed to me March i called no check and was told if i paid $30.00 stop check fee that a check could be sent to me, when i refused to pay the fee i was told to wait 90 days then they would send a new check so i waited. I called again in June was told check is in the mail. i called July was told check is in the mail. August 3,2016 check was mailed on today. this is the worst home warranty company i have ever had.I am shopping for a new company before my contract is up.


K
Ken H
8/3/2016
A/C stopped producing cool air late Monday afternoon and temp was close to 100 degrees outside Called Choice Home Warranty and had a response from a repairman in less than 2 hours. He asked me several specific questions that helped him make a quick analysis whereupon gave me some suggestions that got the unit running again to get us thru the night and he would be here first thing in the AM to check things out. He arrived the next morning as promised and his original analysis was correct after checking the entire system out. He added Freon and made a final check leaving the unit running perfectly. Nice and cool again. Excellent repairman. Would recommend him to anyone needing A/'C... Read More


P
Patrick P
8/3/2016
This company takes your money but when it comes time to make repairs they hide behind a very questionable "policy" just one excuse after another to pay as little as possible leaving you without the equipment you have insured! I suggest you look elsewhere for a more honest company.


J
JeffA
8/3/2016
We have several properties and have only switch two to Choice so far. We are very happy with the speed of service and quality of vendors sent our way so far. As our other contracts with your competitor run out, we will be switching all of them to Choice. Thanks for restoring our confidence in the industry.


S
Sanjay S
8/2/2016
The request was handled swiftly by an upbeat sales representative. Within 15 mins the contractor details were emailed. Upon contacting the contractor, they showed up the next day. Contractor was very knowledgeable who understood the root cause and replaced Garbage Disposal as well as electric switch was getting affected by defective garbage disposal. Well the work flow is coming along well and contractors are knowledgeable. That definitely determines a good resolution.


D
Donna F
8/2/2016
Hi, I was prompted by my annual cleaning of my central air unit to find out what was actually covered on my policy. The answer I received was shocking. Choice only covers the condenser fan, not the condenser,or condenser coil! The supervisor regina nash who answered my questions because the customer service rep could not, offered to get some prices on the items choice did not cover. The price of the condenser was $700.00 and the coil was between $300.00 and $400.00! This price does not include installation of the parts. All I can say is buyer beware if you have a home warranty that does not cover these things and it will cost you about $1200.00 out of pocket what good is the warranty?


K
Karen B
8/2/2016
This company is HORRIBLE. DO NOT USE THEM. The technician that came to my house told me that they would not cover it, he out and right said they owe him money and out of 10 that he submit they only paid 1. Well today they call me and tell me because I have not have my ac serviced in the past 6 months they will not cover it. I did have it serviced in the past year, yet they said my contract says 6 months. MY CONTRACT does not say six months, they then told me that is what is recommended. I ask to speak with the director named Sara and I was told by the "Manager" Oscar that Sara is too busy to talk and she refuses to get on the phone and she will call me back when she has... Read More


C
Chrissy R
8/2/2016
In the middle of a HOT Summer we called in an issue with our air conditioning. Choice dispatched Air Power to our home within hours. The people from Air Power were easy to work with, professional and stuck with it until the job was done.


S
Susan B
8/1/2016
I purchase this protection after not having a home warranty for a few years. Don't be fooled by the lower service call fee and the promise of professional service. I received a shyster air condition repair man who's first words were " I have to charge you $125 for a diagnostic that is not covered". He so called completed the work in all of about 10 minutes. The same problem occurred less than 60 days later. Now another diagnostic, $175 plus $45 service call and guess what? Choice Home Warranty refuses to cover the repair and a very sarcastic manager told me to take up my problem with the first repair guys. Not their problem since those guys are not Choice employees. Terrible company... Read More



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