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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,722 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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10722 Customer Comments & Reviews

Loading Reviews ...
usafrdoc
2/9/2024
Quick and courteous technician scheduled within a few hours of the reported claim.


James M
2/9/2024
They have been lifesavers for us. We have had a number of appliances die almost at the same time and Choice came to the rescue saving us a lot a money at a time when things are really tight.


R
Rickie H
2/8/2024
When someone takes the time to recount a positive experience, it speaks volumes. And so we would like to request a small favor – a testimonial that will give others a sense of the experience and service CHW offers. This testimonial can be as short or as long as you like. It is valuable to our future business and, just as importantly, allows us to continuously improve the level of service we provide. When someone takes the time to recount a positive experience, it speaks volumes. And so we would like to request a small favor – a testimonial that will give others a sense of the experience and service CHW offers. This testimonial can be as short or as long as you like. It is valuable to... Read More


veevick
2/8/2024
Great service received from the Choice Home Warranty. We have placed a request for the Stove, onsite repair person contacted so promptly. He arrived home in timely manner and did fantastic work. Sorry I totally forgot his name . Thank you Kinnari B.


kidwesson
2/8/2024
The person who help me was Mr. Leo S. He was very good and answered all my questions and was so fun to talk to. I hope this work out with no problems. Thank you.


robertward17
2/8/2024
Just had a great experience with a customer service rep (Richard Kelly) who was most helpful and informative. His demeanor and professionalism was outstanding. If everyone in this company is like him they will have many, many 5 star ratings. So far, so great.


preciousfrederick
2/7/2024
It is easy to make appointment the complaint I have it takes a few days for you all to find someone who service my area and does home warranty contracts. The price is much better than AHS I previously had.


C
Customer
2/7/2024
Chris from Superman Handyman did very prompt service. Thanks fortaking care of the issue


Sirena T
2/7/2024
Worst warranty company that I have ever dealt with. They don't cover many things and claim that the entire appliance is covered when it is not. Put in an online claim for my refrigerator as all the lights were malfunctioning. The first contractor assigned cancelled because we were out of their service area, they notified CHW but CHW did not reassign me. On the date of the appt, I waited for the technician and after waiting the entire appt window, I called the technician to find out that he informed CHW a week prior. I called CHW to get reassigned. Reassigned to another contractor that came out and simply looked at the unit and CHW determined that the part was not a covered part. Filed an... Read More


jlkhouston104
2/7/2024
The last technician sent in was great, did a thorough review, and confirmed with the other two companies that Choice sent in, that the compressor needed to be replaced. Sadly, Choice Home Warranty decided to keep trying to find someone who would give them a reason not to honor their selling point "if we can't fix it, we will replace it". The first tech came on December 8, 2023, and Choice took over 2 months before they honored what the first tech had said, "replace the refrigerator!" We went 2 months without the unit working, ruining the Christmas holidays, etc. without the refrigerator running, just kept putting it off trying not to be responsible! They kept telling me they could not... Read More



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