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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 ...
56patroney
8/16/2023
The technician was very considerate and friendly, and he did a great job. Although he was tied up with other jobs and it got late in the day, he still came all the way from Knoxville to fix my garbage disposal. He gave great service.


spyderbmj13
8/15/2023
I am very pleased that this service is offered to veterans, spouses, active duty and other military members at this discount. I've never had a home warranty before but several family members have this home warranty and it seems to pay off. Looking forward to knowing I have this security for my home too.


dncorpx
8/15/2023
I had to call four times to get the help I need.


John M
8/14/2023
Choice was quick to get tech out there and he was awesome. Dishwasher was not able to be repaired. Unfortunately they offer $346, I went through them and was raised to $591. At lowest the cheapest washer is $480. Not so happy as the broken one was a Bosch and at Lowe’s replacement was $899. So got a lower option replacement had to pay for install as choice doe not cover that cost. Not sure I will re-new this was part of me purchasing a house. John


rachelgross784
8/14/2023
The serviceman was great...The office people is another story....That company I wouldn't want to use, for one, you have appointment and they don't show. You call and you heard some excuse, being home all day waiting and not getting a call saying things have change or delay. The long wait of even getting help for the problem you have is another. Wasn't happy with that concerning it was my air conditioner. 4 stars is for the workman and not the company. The company I rate a 2 1/2 stars.


monteiro.eunice4
8/12/2023
The technicians were excellent! Very professional and knowledgeable. We’ll definitely recommend this company to friends and family.


Christopher J
8/12/2023
Fastest service I've ever received. Besides being prompt, the technician was both professional and knowledgeable.


P
Percy G
8/12/2023
It took a month before you got a technician to my house because of ac problems. He diagnose the problem and said it was my compressor needed replacement. He call and sent you pics and before he could leave my house you denied my coverage. I followed your denial procedure and spoke with acase manager who automatically denied it again. Told me no other recourse. I ask to speak with his supervisor and he said that there was no one higher than him. I told him everyone has a boss. I will do everything I can to exploit the scam you have. My rating for you is-10. I'll contact the BBB next.


L
Linda C
8/12/2023
We have been a Choice Home Warranty customer for over 15 years and highly recommend them! Our latest issue was with our garbage disposal. It "froze" up. I filed my claim on-line and the next day we were contacted by a local plumber. They were able to come out the same day and took care of our garbage disposal within about 20 minutes. He even showed us what to do if it ever happened again. We were very happy, as we have been over the past several years.


Sherry B
8/11/2023
Excellent service. Tech was prompt and efficient. Glad I have this warranty



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