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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 ...
amahone
8/20/2024
very efficient and easy, I would recommend Choice to my friends. but this survey session is something I'd like to avoid in the future.


amahone
8/20/2024
the process is very efficient and easy.l; I would recommend Choice Warranty to my friends


R
REBECCA P
8/20/2024
Johnny was very helpful in getting my account renewed. I really appreciate how understanding of my needs.


donnaneecere
8/20/2024
The technician was prompt, friendly, familiar with the appliance. His knowledge of the availability of the part needed was off and when he said "no problem" easy to fix ended up being a definite NO. Overall fine with the vendor and technician. When I called the vendor and they transferred me to a claim agent, I received very clear information.


esignup2022
8/20/2024
Jonathan was great. Polite, quick, and a great communicator. Was able to diagnose my problem quickly.


jimbelcoff42
8/19/2024
Filed claim on the second of the month for a air-conditioner not working. The service was not performed until the 16th of the month. 14 days without air-conditioning in 95 degree weather. I believe that was too long to wait for service. The service personal that came to fix the air-conditioner were excellent. Very caring and professional. Would use again.


Alexander M
8/19/2024
Very quick response to set up service. After reporting that a service is required, they set up a service with in half hour. Very good


W
Wallace B
8/19/2024
Choice quickly scheduled the repair and provided timely notification and updates. The plumber was extremely knowledgeable and professional. He arrived on schedule and quickly diagnosed and repaired the problem. The service was excellent and is highly recommended. Thank you!


D
Doris F
8/19/2024
I highly recommend Choice Home Warranty. Their customer servicer is outstanding . The associate for Choice had an appointment scheduled within 3 minutes of my claim on a Friday Afternoon. The technician for the service company knew what he was doing, had the part on his truck and had my dryer repaired in less that 30 minutes. I could not ask for anything better. A courtious Choice associate and one that got the job done. Way to goChoice A very satisfied customer If 10 stars were avaiable that would have been chosen Doris Fitzhenry had a company scheduled for our repair within 3 minutes of my claim.


chburner
8/18/2024
Mixed experience overall: great customer service, good online design and user experience and communication. That said, the claim approval seems to be tied to total cost of repairs, I.e. for relatively low cost they are flexible. When it gets to replacement for the non-repairable equipment they take a much harder stance: my personal experience with “claims adjuster” or whatever her role is was “take it or leave it” the latter probably being a good case for the class action despite their promises and claims that they approve up to $3,000 a year for a given piece of equipment. I also learned a very bitter lesson with Select Home Warranty to NEVER sign long-term contract- it is for suckers,... Read More



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