Choice Home Warranty

4.35 Stars (17 Reviews)

Updated:

Choice Home Warranty covers most of your home’s major systems or appliances and can save you from unexpected out-of-pocket expenses due to normal wear and tear. For additional coverage, warranties can be extended to cover your pool, spa, septic tank, and other household systems.

Editorial Breakdown

Service Quality

5 Stars

Affordability

5 Stars

Coverage

4 Stars

Customer Service

4 Stars

Overall Rating

4.4 Stars

Bottom Line

Choice Home Warranty offers affordable home warranty coverage backed by prompt and reliable repair professionals.

Comprehensive Choice Home Warranty Review

A service agreement from Choice Home Warranty gives your home’s appliances and systems an added layer of protection. The New Jersey-based company offers warranties in every state except Washington. Its generous workmanship and labor guarantee, affordable monthly premiums, and thoughtful customer service are all features that give it a prime spot on our list of best home warranties.

Pros

  • Flat service fee
  • 24-hour claims call center
  • Appliance coverage in its Basic plan
  • 90-day parts guarantee

Cons

  • Limited add-on coverage
  • Not available in Washington

Choice Home Warranty Plans

A Choice Home Warranty lasts for 13 months and can be renewed yearly. The company offers two warranty plans, but you can add additional items a la carte.

  • Plan types: 2
  • Response time: 4 hours
  • States served: 49 states (not Washington)
  • Service fee: $85

The Basic plan covers vital appliances like ovens and ranges, bathtubs, and heating systems, but you’ll need to upgrade to the Total plan if you want protection for your air conditioning, refrigerators, or washers and dryers. The Total plan is their most comprehensive option, covering all the critical components of your home’s major systems and appliances. Both plans are managed with the same notable commitment to customer service.

Choice’s Total plan covers the HVAC (including ductwork), plumbing, water heater, electrical system, and garbage disposal. It also protects refrigerators, washers and dryers, and microwaves.

You can upgrade coverage for pools, central vacuums, sump pumps, and limited roof leaks. Coverage begins 30 days after enrollment.

Choice Home Warranty logo
4.4 Stars

Choice Home Warranty

  • Comprehensive Coverage
  • 24/7 Claims Center

Choice Home Warranty Costs

The company offers seasonal sales incentives and discounted pricing to customers who request a quote. Final costs will vary based on the size of your home and coverage. 

Home SizeBasic PlanTotal Plan
Monthly$46*$55*
Annually$569*$670*

*For a 5,000 sqft single-family home in Charlotte, North Carolina. Prices are accurate at the time of publishing.

Choice Home Warranty Limits

As with all home warranties, coverage is limited to certain parts of your systems. Some damages, like those resulting from a natural disaster, might also be covered by homeowners insurance.

Be sure to read your contract to determine the coverage limits per term. Choice lists annual coverage caps of $500 for well pumps, roof leaks, and ice makers. The company’s maximum liability per agreement term (13 months) is $3,000. This is lower than the caps offered by other companies.

Choice states that it may elect to provide customers cash instead of the repair service.

How to Buy a Warranty and File a Claim

You can file a claim 24 hours a day, seven days a week. Choice also commits to respond promptly, usually within four hours, but it could take up to two business days. Call a representative to file a claim or submit a claim online.

Choice will respond to your claim within two business days, and the technician will contact you to arrange a time for the service call. Every technician is a professional, authorized contractor with Choice who will document their work and communicate with you. All technicians are licensed and insured.

Choice Home Warranty Complaints

The most common home repairs mentioned in reviews are related to HVAC, plumbing, and appliances. Some customers (but not all) said Choice was prompt with service calls (even same day).

Choice Home Warranty Feedback

Most popular words in Choice Home Warranty’s online customer feedback

Most negative reviews are from customers who believe they should have been reimbursed for a denied claim, though this is a common complaint among all home warranty providers and not specific to Choice.

Our Experience with Choice Home Warranty

Choice’s home warranties are affordable because the company keeps its coverage simple. By offering a publically available user agreement, Choice allows customers to learn the specific parts and pieces their warranty will cover.

Its max coverage plan is comparable in price to other providers we rate, and its service fee is reasonable; however, the add-on features are limited.

Choice Home Warranty FAQ

Why are some Choice Home Warranty claims denied?

CChoice Home Warranty limits claims to wear and tear, so your item won’t be covered if it breaks for a reason outside of its policy, like a house fire. Choice also expects homeowners to maintain their equipment to be covered. If a furnace breaks and it appears the filters have never been changed, that could result in a denied claim.

Do you offer both new and existing home warranties?

Yes. Home warranties can be purchased for any home, though typically new homes have longer-term warranties that are even more comprehensive. For instance, a new home warranty may cover superficial items like cracks in the drywall.

What are their credentials? Are they part of any trade organizations?

Choice is not part of the National Home Service Contract Association or accredited by the Better Business Bureau.

Do I need a home inspection?

No. You do not need a home inspection order to purchase a warranty from Choice.

Is Choice Home Warranty available in my area?

As of April 2023, policies are not available in Washington state.

Why does service matter for home warranty?

Home repairs are generally expensive, frustrating and time-sensitive, so it’s important to get the job done quickly and right the first time. When your home’s systems break down, you don’t want to be stuck waiting for a service professional to come – or to come back if the repair wasn’t done correctly.

Conclusion

Choice Home Warranty is worth considering if you want an affordable home warranty with 13-month terms (the first month is free). It leverages an extensive network of technicians to provide customers with fast and professional service on the most important items in their homes.

Choice Home Warranty logo
4.4 Stars

Choice Home Warranty

  • Comprehensive Coverage
  • 24/7 Claims Center

17 Choice Home Warranty Reviews

Write Review
1 Star

February 28 2020 6:20PM

This company is a minus minus minus ZERO! I had 3 claims within a week -the first being my refrigerator. Days went by and nothing. Then they sent me an email stating a technician would come by the next Tuesday. I put the claim in on the previous Wed. Fine but we weren't going to be home then so I called the technician and they told me they didn't accept the work as Choice would not pay them mileage. So I'm back on the phone with Choice as they never told me they would still be looking for a technician. So they told me about their reimbursement plan. (Don't even go there).

They told me I could get my own technician and they would reimburse me and I would have to pay them up front including the $45.00 service call fee. Never did they tell me if I use find my own technician they wouldn't pay at all!!!

Since they couldn't find their own tech for the fridge I had my tech look at our dryer too. So then our tech sent a bill to Choice for $580.32 and they agreed to pay only $131.73 and then they even deducted for the 45.00! They sent me an email stating my refund of only $86.73 !!!!

They declined the fridge b/c it was a Freon problem. Now they won't even tell me why about the dryer. Their statement to me is: it is only THEIR RATES THEY PAY!!! SO THAT'S IS A BIG DIFFERENCE WHEN YOU CHOOSE TO GO THEIR REIMBURSEMENT PLAN. ALSO if you live 30-60 miles away from a city THEY CAN'T FIND A TECHNICIAN OF THEIR OWN.

MY TECH TOLD ME CHOICE STILL OWES HIM $1,000.00. So it's a SLOW payment to a tech and from their reimbursement plan (30 days)! Not only do you have to do their work for them - they still charge you!!!! AT THIS MOMENT I'M ON HOLD FOR A SUPERVISOR FOR 45 MINUTES!!! And the music is still playing!

After a week and 1 day they finally sent out a tech yesterday for our hot water heater. Try living for a week without a fridge and hot water!!! I've talked with 5 sales reps on the phone and 1 supervisor and now not even the 2nd supervisor- (I'M STILL LISTENING TO THEIR MUSIC!) They have written ME off. BUYER BEWARE!!!!

Linda B.
Millersview, TX
1 Star

January 08 2020 3:32PM

Just had Choice out to repair second refrigerator, which I pay extra for coverage, had a leak in the cooling line, when repairman person called Choice the claim was denied because leaks are not covered, when I purchased the warranty I was told all repairs are covered, if not repairable it would be replace. The repair person said this is the only company that he has dealt with that has denied a claim for this problem.

Byron B.
Chattanooga TN, TN
1 Star

June 18 2019 2:40AM

If you make a claim by phone be very careful what you tell them as their goal seems to be to deny claims. The best bet is to contact them by webpage and give as little info as possible. Customer service is useless, I was transferred six times trying to get a simple response, you get the feeling they're playing you in hopes you hang up. P.S. Never got an answer to my question as I was mysteriously disconnected.

Fred S.
Clermont, FL
1 Star

March 10 2019 6:41PM

Dont go to Choice Home warranty they are crooks!!!! We have had them almost 2 yrs and my microwave went out. It was going to be more to fix so they offered 175.00 for a new one we finally got 200.00 but still had to to 150.00 plus 90.00 installation out of pocket plus 60.00 for the guy to come out and say he couldnt fix it. My glass stove top busted when I turned it on and caught on fire and they said they would cover it.

Angela M.
Knoxville, TN
1 Star

September 17 2018 4:04AM

Refused to replace 10-year-old hot water heater that burst. Note under "Excluded" that they don't cover the "Main, Holding or storage tanks." When a water heater bursts, common sense dictates that the water storage tank would need to be replaced. After reading the Exclusions, I'm actually not certain what would be covered. Total BS. Would NEVER recommend Choice. Very disappointed and feel like I was scammed. Probably because I was! INCLUDED: All components and parts, including circulating pumps, except: EXCLUDED: Access – Insulation blankets – Pressure reducing valve – Sediment build-up – Rust and corrosion – Main, Holding or storage tanks – Vents and flues – Thermal expansion tanks – Low boy and/or Squat water heaters – Solar water heaters – Solar components – Fuel, holding or storage tanks – Noise – Energy management systems – Commercial grade equipment and units exceeding 75 gallons – Drain pans and drain lines – Tankless waterheaters.

Kaye M.
1 Star

August 18 2018 7:53PM

I felt bad because I cannot give ZERO Stars. Do not spend you money in companies like this one! Paid $1,750.00 when I bought a brand new house and after three years and 5 months, my house started have some issues. I called in regards to a a/c defect, and even though the company (Lennox) is responsible to replace all parts, the denied to cover the labor. They are on the market do MAKE money. Do not count on them!

Humberto E.
1 Star

August 06 2018 10:58AM

I have had Choice Home Warranty coverage for about a year before I needed to use it. I opted for the optional coverage of my salt water pool, because when something on it breaks it is very expensive. I made sure to ask the salesman, very explicitly, to make sure my salt cell, and all the other parts of my salt water pool would be covered under Choice Home Warranty with the pool coverage.

He assured me that it was all covered. I asked again to make sure that when my salt cell stopped working, they would cover it. He again told me that it would. Fast forward a year. The salt cell goes out and I put in my claim. They write back and tell me that they don't cover salt water pools. WHAT? I appealed this decision and they said they couldn't and wouldn't cover the salt cell on my pool, but they would schedule a service technician to come out and see what was wrong.

It was a problem with the salt cell and sensor. Choice told me they would not cover it. I again called, this time, to cancel the coverage. See, the whole point of the Home Warranty is to cover the cost when things break, and they didn't hold up to what their salesman told me on the phone. I talked to Jasmine from Choice Home Warranty. She was not helpful at all. She told me that it didn't matter if the salesman from their company LIED to me on the phone, or that I had them recorded, stating that they would cover a salt water cell replacement.

She would not honor their word-of-mouth contract and fix my pool. I then told her I wanted to cancel the policy because they are liars and won't stand behind what their salesman verbally tell people on the phone when they sign up. I had the contact in front of me and it clearly stated that the contract was for $1,642.50, and then listed all my covered* items (though they apparently refuse to actually cover anything when it breaks).

It also listed the optional coverage that I had, including the pool coverage, but it does not state that there is additional financial cost. This, to me, appears that they have rolled the cost of the additional coverages into the price they clearly list as the contract price, since it is listed in column format with the coverage price at the top, followed by all the coverages. Jasmine tells me that I will get refunded $862.42.

I told her, "NO", you owe me $1,123.18. My contract price was $1642.50 for 42 months of coverage. That is $39.11/month. I had the contract in place for 12 months, so I should be refunded $1,173.18 minus a $50 cancellation fee. She told me that the optional coverages were about $19/month, so my calculations were wrong. I told her that the contract showed that my price was $1,642.50, and it didn't show any additional charges beyond that, but it did list my optional coverages under it.

She told me, "too bad, this is the amount that we will refund." I asked for her supervisor, and she told me that there was no one higher than her to transfer me to. I told her that I would be letting everyone I could how terribly they treat customers at Choice Home Warranty and how unhelpful and not courteous she had been. She didn't care, told me I would get my check in the mail soon and goodbye.

Choice Home Warranty is a rip-off. Don't use them. Ever. I have audio recordings of both the salesman telling me that I was covered, and Jasmine telling me that they wouldn't cover it. I am considering legal action against them for false advertising, breach of contract (the verbal one from the salesman).

Mike R.
12
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