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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,730 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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10730 Customer Comments & Reviews

Loading Reviews ...
Vic P
10/1/2023
I received quick response for a service call, however the tech was not able to complete the repair during that call and told me he needed approval from Choice Warranty to come back and complete the work. That was several days ago and I have not heard anything yet he had me pay the service charge prior to him start in the service. So until the work is completed, I’m not satisfied.


debbiecooley54
10/1/2023
So far, I am satisfied with the service, but my Appliance is not fixed yet and when it is, I can give a better account of the experience


M
Mark M
10/1/2023
They cover next to nothing. For example, we have mold on our bedroom drywall left from the previous owner and they refused the claim to take care of it. A health concern and they don’t care. Something we have no control over, not our fault in anyway, and yet we are going to have to pay for it. There are several other claims they have denied as well. We have the “ultimate” package, yet they still deny claims. This was something purchased by the previous owner as part of the purchase deal. If I had known then what I know now, I would have told the previous owner to go through a different home warranty company or we aren’t buying the house.


Dawn D
9/30/2023
Unexperienced vendor. Info unclear regarding complaint process. Had to pay out of pocket vendor to fix problem


usmcsheda.chase
9/30/2023
Choice Home Warranty is fantastic... I highly recommend to all. No hassle just Awesome results. Thank you honestly!! Blessing to my family and home!


Michael M
9/29/2023
When I put the first problem I was having at my house and have to say we had a bumpy start, but Choice told me they would make it right and they went out of their way to make it right - my opinion is that this is a stand-up company, and I can totally recommend choice warranty


bstorbeck417
9/29/2023
All but one tech you sent out has been top notch. They have been very helpful and explained what they were doing and how long it would take. Our experience has been good to excellent.


geminisk8n
9/29/2023
I just subscribed to the home warranty offer. No even started and Sales Manager that contacted me was not clear on the offer when I asked for clarifications; this is about the AC damper motors coverage that American Home Shield covers for the same $55/month price where as Coice Warranty includes in the excluded paragraph. When I requested the written clarification, the assigned Sales Manager (Daniel Beatty) tried to accociate the Damper Motors and Valves to the next sentence that was refering to the components covered by Manufacturer Warranty. Clearly Damper Motors are not related to that sentence. Below is the extract: EXCLUDED: Outside or underground piping. Well pump, and well... Read More


gramachris0129
9/28/2023
VERY QUICK RESPONSE TO ON LINE INQUIRY. I WASN’T EVEN OFF THE WEBSITE AND GOT A CALL. DANIEL WAS VERY HELPFUL, KNOWLEDGEABLE AND ACCOMMODATING. NOT ONLY HELPFUL, BUT A CHARACTER. PROBABLY THE MOST HANDSOME GUY IN THE OFFICE! A INSIDE JOKE BETWEEN DANIEL AND I .


agopjilkivorkian
9/28/2023
So far very reliable and honest company among all home warranty companies, very good quality customer service, keep up the good service.



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