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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,687 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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10687 Customer Comments & Reviews

Loading Reviews ...
A
Alisa D
3/29/2016
Choice sent the Wire Nutz team out to fix my thermostat brcause the old one burnt out. They were very professional and fast while setting my mind at ease. Thank you Choice Warranty for having such great service!


A
Andersa N
3/28/2016
WORST HOME WARRANTY EVER!!! I have been extremely disappointed in the service and loyalty of this company. They are definitely NOT interested in customer service and assisting with home problems. DO NOT USE THIS COMPANY. We have had 2 TERRIBLE experiences with this company. Canceled and will NEVER USE AGAIN!


Camden F
3/25/2016
I had technicians come out today & they took care of 2 service calls. The techs were so nice. I'm glad I made the decision to sign up with CHW. I'm very happy w/ that choice.


B
bettystreet
3/24/2016
I loved them at first, nice I thought, then I call for a toilet leaking, they give me a no. said someone will call in 24 hrs. no call then days later they call say they have no one in Bryan, College station tx to fix it so if i will get someone they will fix it. So I get a plumber out of phone book he comes out ready to fix it and they say I have to pay as I called my own person. This is sad I am a widow needs help and they took my money and will not help me at all. They called me told me to get someone then say they will not pay. Do your self a


F
Frank A
3/24/2016
Do not get involved with these people. They will dig deep to find any reason to deny your claim. When my claim was denied I ask for a written detailed expiation why the claim was denied. I have not received a response. I found the claims personnel, including the claims manager, to very rude and nasty. They read from a prepared script and could care less about you or your problem. Don't waste your money !


3/24/2016
DO NOT EVEN THINK ABOUT USING THESE PEOPLE. THEY WILL DIG DEEP TO FIND ANY REASON TO DENY YOUR CLAIM. MY CLAIM WAS DENIED AND I ASKED FOR WRITTEN DETAILED REASON FOR THE DENIAL AND HAVE NEVER RECEIVED AN ANSWER. I FOUND THEIR CLAIMS PEOPLE INCLUDING THE CLAIMS MANAGER RUDE AND NASTY. THAY READ FROM A SCRIPT AND COULD CARE LESS ABOUT YOU.


3/24/2016
I was pleased with the response time and the company who came to repair my washing machine. Unfortunately, it could not be repaired and Choice Home Warranty offered a fair amount to replace it. Overall, it was a very positive experience.


3/23/2016
Purchased coverage 1/11/15 Second claim filled. First claim was for provider for plumbing issue . Provider never responded. Paid out of pocket for non contract plumber. Filled second claim 3/22/ 16 for issue with oven. Contractor responded within one hour of receiving claim and fixed it same day within 2 hours. Very satisfied.


Sindi S
3/22/2016
First time I tried this company but will not be renewing. I will go with OneGuard next time. All the other home warranty companies have a spring and fall check up on your heating and cooling systems. Called them for this and was told they do no do that. Had a roof leak last year and called them as I had added roof coverage for an extra fee. The roofing contractor would not fix the leak and wanted to charge me for a complete new roof. You can do better with a different warranty company.


A
annpadel
3/21/2016
This is the hardest company to deal with. My husband keeps records and we have regular spring and summer maintenance scheduled for our AC and other appliances. Choice requests your records and tries not to pay your claims. In fact, their AC repair guys are awful. You get the knowledgeable guy the first time out, then when your AC stops working, they send a new guy who overfills your AC unit with freeon which eventually causes problems with your unit. If Choice doesn't like what is on your maintenance records, they refuse your claim and send you to arbitration. The unit above my master bath was starting to leak and by the time they got the parts in and came back out, I had spent a night in... Read More



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