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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,720 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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10720 Customer Comments & Reviews

Loading Reviews ...
B
BM
2/2/2016
Horrible customer service... As a title processor, I deal with Home Warranty Companies regularly. The representative, Gail, deliberately hung up on me multiple times. When I called to complain, the representative, Daniel, was just as rude. My experience was so horrible that I have removed them from our vendors list... I was just calling to order a Warranty on behalf of our client. I could not imagine attempting to report a claim! ... (0.5 because this website does not allow 0 stars)


R
Randall W
2/1/2016
Been with this company for awhile in florida and a long time in louisiana. Come quick to fix but if they can't fix it they don't give u anywhere near a replacement cost on your items. Will be finding a new insurance company


C
CHRIS T
1/30/2016
This company lies and Denies claims like the MOVIE RAINMAKER-----All they do is make empty promises and do not cover anything This company should be SHUT DOWN


N
NEIL S
1/30/2016
This company is a JOKE-----MAKE PROMISES and THEY TAKE YOU MONEY AND LIE -----HEATING and AIR UNIT WENT OUT AND THEY REFUSED TO FIX IT----- STAY FAR AWAY AND KEEP MONEY IN YOUR POCKET----BBB RATING IS LOW FOR A REASON-----ATTORNEY GENERAL IS MY NEXT STEP TO SHUT THEM DOWN


C
Casy C
1/29/2016
If you want to pay ~$50 per month to have all your claims denied, this is THE place to go. Horrid customer service, rude staff, claims denied without even seeing the items. I'm very happy to have canceled my policy and will take my business elsewhere.


H
H F
1/28/2016
Very lousy service. They will find 100 reasons to not serve you. An if you get a service - it will be with lowest grade technician and low quality. If you cancel - will have to pay all the money back. Stay away from this company.


T
Thomas H
1/27/2016
Be very carefully about signing up with this company. Do a search on the internet about Choice Home Warranty and read the comlaints. We have used them once and were very unhappy. They lied about about things. Like "First month free." You can not use their services the until after 30 days. that not the only one. They do not replace items that the cost of replacing them. They gave you money but not enough to replace an item. Bad company.


M
melissa
1/22/2016
I have used this service twice and I have been dissatisfied each time. The first time was for my ice maker in my fridge. I have coverage, called twice to confirm coverage, put a claim in for ice maker and they sent someone out to diagnose and then they denied the part stating I wasn't covered for the ice maker despite the confirmation I got twice for it. They didn't even have on record that I called questioning the coverage when I received my documents. The second time was just this week. My heater went out, they sent someone out to diagnose and fix it. There were two parts that went bad. They covered one part and not the other and I had to pay $150 on top of my service charge to get it... Read More


W
William H
1/17/2016
I made a claim at the end of November 2015, this company denied the claim based on what they said the part was in their excluded items. I research this situation further and found that they were wrong based on the specifics (I read the fine print). Brought it up their attention and they still refused the claim. This company, best that I can tell, is a scam. Please stay away from them if your looking a legitimate home warranty company.


L
Leslie A
1/13/2016
Choice Home Warranty is a false advertiser of services- they state on the front page of their web site how they cover appliances such as sinks, fridges, etc, but they don't tell you the details of what they don't cover such as faucets to sinks, water/ice makers in fridges- but they state how they cover these things overall on their site. I have had a different company of a home warranty in the past and they never split hairs in coverage as Choice does- so I am switching companies based on his disappointment- I paid my copay of $60 to get the diagnosis of which they don't cover leaking faucets to sinks, only the pipes underneath. Shady's motha effer's



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