Choice Home Warranty Reviews
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About Choice Home Warranty
Choice Home Warranty is a home warranty company that offers basic and comprehensive coverage for home systems and appliances, with costs typically ranging from $49.17 to $57.50 per month. On our site, customers have had mixed experiences with Choice. Some have found its representatives helpful and informative, while others have faced challenges with claim denials, service delays and communication issues.
Visit www.choicehomewarranty.com- Optional coverage for roof leaks
- No transfer fee
- 24/7 customer service
- No home inspection required
- $500 roof repair cap
- Some customer service complaints
- Not available in Washington
Choice Home Warranty coverage and plans
Choice Home Warranty has two main coverage plans: the Basic and Total plans. Coverage usually starts 30 days after you sign up unless you show proof of previous coverage without a break in coverage. Plans last for one year.
| Coverage | Basic | Total |
|---|---|---|
| Air conditioning | ||
| Electrical | ||
| Heating | ||
| Plumbing | ||
| Ductwork | ||
| Water heaters | ||
| Exterior water lines | ||
| Interior plumbing lines | ||
| Interior electrical lines | ||
| Sump pump | ||
| HVAC tuneups | ||
| Refrigerators | ||
| Dishwashers | ||
| Oven | ||
| Range | ||
| Cooktop | ||
| Built-in microwaves | ||
| Built-in food centers | ||
| Garbage disposals | ||
| Trash compactors | ||
| Ice maker | ||
| Instant hot/cold water dispensers | ||
| Range exhaust hood | ||
| Kitchen exhaust fan | ||
| Clothes washers | ||
| Clothes dryers | ||
| Toilets | ||
| Whirlpool bathtub | ||
| Faucets | ||
| Ceiling fans | ||
| Attic fan | ||
| Central vacuums | ||
| Doorbells | ||
| Garage door openers | ||
| Roof leak repairs | ||
| Main breaker | ||
| Plumbing stoppages | ||
| Home electronics | ||
| Smoke detectors | ||
| Jetted tub components | ||
| Monthly premium cost | $49.17 | $57.50 |
| Annual premium cost | $560 | $660 |
| Type | Combo | Combo |
| Plan name | Basic | Total |
| Monthly cost | $49.17 | $57.50 |
| Annual cost | $560 | $660 |
| Monthly cost | $49.17 | $57.50 |
| Monthly cost | N/A | N/A |
| Monthly cost | N/A | N/A |
Add-on coverage
You can customize your plan with a variety of add-on coverage options, allowing you to build a plan that fits your home's unique needs. Choice’s add-on coverage includes:
- Pool and spa
- Central vacuum
- Second refrigerator
- Well pump
- Limited roof leak
- Stand-alone freezer
- Sump pump
- Septic system
- Septic tank pumping
Choice Home Warranty cost
Choice Home Warranty costs range from $49.17 to $57.50 per month. Your exact home warranty cost will vary depending on your location and plan. For context, typical home warranty plans cost about $30 to $90 per month.
| Basic | Total | |
|---|---|---|
| Monthly cost | $49.17 | $57.50 |
| Yearly cost | $560 | $660 |
Anecdotally, Dwayne, a reviewer from Maryland, said they pay $800 per year for their Choice Home Warranty plan, which works out to about $67 per month.
Service call fees
Most plans have a flat $75 or $100 service call fee per claim. A service call fee is like a deductible, so you’ll pay it each time you file a claim.
Choice Home Warranty coverage exclusions and limits
Choice Home Warranty has coverage exclusions and limits for all appliances and systems. That’s why it’s important to read the service agreement thoroughly to understand what’s covered and not covered before signing up.
Coverage exclusions
Choice Home Warranty plans have coverage exclusions, meaning they won’t cover:
- Known or unknown preexisting conditions
- Routine maintenance
- Damage from neglect, abuse or misuse
- Items still under a manufacturer’s warranty
- Specific components and parts (as named in the contract)
- Permit fees
Coverage limits
Choice Home Warranty has a $3,000 coverage limit per 12-month period on most covered appliances and systems, though some systems and appliances have lower caps. The table below shows some covered items with lower dollar caps.
| Covered item | 12-month cap |
|---|---|
| Roof leaks | $500 |
| Septic tank pumping | $250 |
| Septic system | $500 |
| Sprinkler system | $500 |
| Stand-alone ice maker | $500 |
| Trash compactor | $500 |
| Well pump | $500 |
Customers are responsible for paying the difference on any repairs or replacements that exceed the coverage limit.
How to file a claim with Choice Home Warranty
To file a claim with Choice Home Warranty, follow these steps to request service:
- Contact Choice: Call or log in to the online account center or contact Choice Home Warranty by phone to request service as soon as you notice a problem.
- Schedule an appointment: Choice will typically contact a service provider within four hours. It will then let you know the provider’s name and phone number, along with the appointment date and time, usually within 48 hours.
- Diagnosis of issue: A contractor will determine whether your broken system or appliance needs to be repaired or replaced. You’ll also need to pay your service call fee directly to the contractor.
What to expect from Choice Home Warranty’s contractor network
With Choice Home Warranty’s contractor network, you can generally expect contractors to contact you within 48 hours to schedule an appointment for a repair. Once a contractor is assigned, they should clearly review with you:
- What warranty service work is being performed
- An estimated completion date (if not completed during the first visit)
- If additional parts, authorization or installation assistance are needed
Choice Home Warranty’s service providers guarantee the quality and materials of their work for 90 days for parts and 60 days for labor.
What to do if your claim is denied
If your claim is denied, you can ask Choice Home Warranty to review its decision. The company may ask for maintenance records or a home inspection report as part of this review.
If Choice still denies your claim, you may be able to fight the result by:
- Contacting your state attorney general's office
- Filing a complaint with the Better Business Bureau (BBB)
- Consulting with a lawyer
Choice Home Warranty customer experiences and complaints
On our site, Choice Home Warranty customers share their experiences and complaints, with many happy customers reporting that technicians are prompt, responsive, professional and knowledgeable. Negative customer reviews seem to focus on claims disputes.
- Rose in California: “I paid $1100.00 for the year[,] plus [a] $75 copay[,] but the cost for one appliance to fix was not even $200. So [I’m] better off [saving] my $1100 and just [paying] to fix it.”
- Michael in Florida: “I had an issue with my KitchenAid refrigerator and it was determined that it had to be replaced. I purchased a new one for $3,799 and [had] it delivered and installed. Choice Warranty offered me $818 [...] to replace it even though my plan had a replacement cost [of] up to $3,000."
- Cody in Texas: “My experience with Choice Home was okay till it came time for them to reimburse and pay for a clothes washer that was listed [as] covered in [the] policy. We went almost 3 weeks without having a solution to our problem[,] then the repair company decided they could not fix it, and now Choice Home is claiming it's not covered.”
Choice Home Warranty FAQ
Where is Choice Home Warranty available?
Choice Home Warranty is available in all states except Washington. Note that, in California, Choice has partnered with Home Service Club of California to offer Choice Home Warranty-branded products. These products are sold exclusively through Home Service Club of California Insurance Services since Choice Home Warranty is not licensed by the California Department of Insurance.
Does Choice Home Warranty require a home inspection?
No, Choice Home Warranty does not require a home inspection in order to get coverage, but the company has the right to request routine maintenance records and home inspection reports when deciding how much it may cover for a repair or replacement.
Can I cancel my Choice Home Warranty plan?
Yes, you can cancel your Choice Home Warranty plan within 30 days for a full refund, minus any service costs (unless your state’s laws prohibit these charges). If you cancel after 30 days, you’ll receive a prorated refund for your agreement fees, minus any service costs allowed by your state’s laws. You will also likely have to pay a $50 fee.
Does Choice Home Warranty cover preexisting conditions?
No, Choice Home Warranty does not cover preexisting conditions, meaning any issues that started before you purchased a contract.
How long does it take for Choice Home Warranty to respond to a claim?
How long it takes for Choice Home Warranty to respond to a claim depends on whether you contact it on a business day or not, but Choice generally contacts a service provider within four hours and provides you with the contractor’s information within 48 hours.
Can you choose your own technician with Choice Home Warranty?
No, you can’t choose your own technician with Choice Home Warranty, so the company will assign you a qualified technician who has been prescreened.
Is Choice Home Warranty worth it?
Choice Home Warranty may be worth it for homeowners who are looking for affordable coverage for systems and appliances, who live in an area with a strong contractor network or want peace of mind for everyday breakdowns. However, Choice Home Warranty may not be worth it for homeowners with aging or complex systems who expect full replacement coverage, people in areas where contractor dispatch is limited or anyone who needs a complex claim resolved quickly.
Still have questions?
Is Choice Home Warranty legit?
Yes, Choice Home Warranty is a legitimate home warranty company that has been in business for over 15 years. It has lower starting costs than some other home warranty companies, and it offers occasional specials, like providing the first month of coverage at no charge.
On our site, many customers have praised Choice’s claims process and contractors. For instance, Gary, a reviewer from Texas, said they had a smooth experience after an inoperative garage outlet threatened their spare freezer.
“I was contacted in a very timely manner [...] and an appointment was quickly set,” Gary said. “The electrician showed up as scheduled and quickly had the power restored. The electrician was very friendly, professional, and efficient.”
Thomas, a reviewer from Ohio, said the claims process was quick.
“I've had 2 issues submitted to Choice and both were handled quickly and with no drama,” Thomas said. “The most recent was our kitchen garbage disposal. I received a prompt response. The plumber was prompt and came with a replacement disposal [...] It took less than an hour.”
However, some customers on our site have been unhappy with Choice’s coverage, and some have reported poor contractor and customer support experiences.
For example, Shannyn, a reviewer from Illinois, described being charged $1,400 for parts that weren’t covered during an AC replacement, though neither Choice nor the technician explained the line items. Later on, they learned the installed unit was the wrong size for the home.
Before purchasing a home warranty contract, make sure to read your policy in full, including the fine print on what’s covered, what’s not covered, caps and limitations.
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- Our moderation team evaluates reviews to make sure they meet our guidelines.
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Our review standards
- Our moderation team evaluates reviews to make sure they meet our guidelines.
- We require contact information to verify reviews come from real customers.
- Financial relationships do not influence whether we publish a consumer review.
Choice Home Warranty Company Information
- Social media:
- Company Name:
- Choice Home Warranty
- Company Type:
- Private
- Address:
- 90 Washington Valley Road
- City:
- Bedminster
- State/Province:
- NJ
- Postal Code:
- 07102
- Country:
- United States
- Website:
- www.choicehomewarranty.com
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