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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

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Yvonne M
5/10/2024
The only thing I can comment on is that the salesperson was very nice and accommodating. I do appreciate how quickly CHW responded to my inquiry. I look forward to the benefits of the service and won't really know HOW CHW IS UNTIL I USE THE SERVICE. That's when the PROOF will be in the PUDDING/the service. Mr. Amir was very pleasant and I look forward to being able to work with him in the future. I know that I might not always have the same salesperson, but if they are all as professional and accommodating as Mr. Amir, CHW will have a WINNING team, and I will have a FIVE star rating for CHW. '


P
Phillip S
5/9/2024
Service pro called and set up an appointment within 2 days they came in a timely manner on time diagnosed the problem ordered the part and in 2 days the problem was resolved ,they were , very professionnel, I'm very happy.


Kevin H
5/9/2024
Great Showed up on time and great service and will call again if needed.


D
Darrell M
5/8/2024
Easy to request services and fast response also the site is easy to navigate


Linda B
5/8/2024
Salesman lied and when reported to resolution center, I was told by manager that I should give them another chance because I would give my kids another chance when they lied to me. Unbelievable!!!!


Y
Yohany a
5/8/2024
Tengo el servicio por 2 años funcionó bien para mi lavadora la repararon pero luego se a dañado el aire pague 2 veces por el mismo problema y la última vez vino el técnico tomo una foto e igual me cobraron y luego la respuesta de Choice es que no me pueden arreglar el problema porque es por falta de mantenimiento. Algo que no tenia nada que ver con manteniendo como lo es que se rompa una hoja del aspa del ventilador que va a fuera de la casa . Por esta razón voy a cancelar la suscripción a la garantía


autumnamore3
5/8/2024
Absolutely terrible! It took over 3 weeks to get a technician to actually show up and not blow off the appointment! This is the companies fault when they keep contracting people from 3 hours away and then refusing to pay them!! The whole time there was a local contractor available able to help me !!! THE WHOLE TIME! And guess what? HE was the one we ended up with in the end anyway because once again a technician blew off the appointment. We sat for weeks with no air because this company doesn’t know how to properly manage their resources!! Also I’ve been waiting over 7 weeks for my garage to be fixed as well so no I don’t recommend this company at any time for anything


lowe.maria2
5/8/2024
Dominick from Air Pro Masters was on time, respectful and got the job done. I was very impressed with his level of commitment to get the job done in a timely manner.


udjohp
5/8/2024
PROLINE-PIPING AND HEATING Technician, Curvan Williams was the right expert for my home bathroom leaking sink. He called ahead of arrival time to inform me he is arrival. And then arrived on time. Immediately he arrived, he asked to see the leaking sink, took photos and then went shopping for the required materials to complete the job. The repairs was completed within 30 minutes and perfect. I and satified and happy with the job and wpuld like to say, thank you to CHW team especially for always responding to my home distress and thank you to PROLINE-PIPING AND HEATING Technician for fixing my bathroom leaking sink.


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Peggy
5/7/2024
Choice Home Warranty is great! This was our first service call with them and they responded right away. The company they assigned our service call too was calling us the next day and out to service us on the very next day! Cowboy Cooling was the company and they were great! Choice is a great Home Warranty company! Appears we made the right Choice😊.



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