Choice Home Warranty Review | 2022
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In this review, we take a close look at Choice Home Warranty, a well-known home warranty provider that's widely available nationwide. Our team of dedicated researchers go over things such as the plans offered, pricing, and coverage limits, so you can decide if Choice Home Warranty is the best home warranty company for you.
To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form online.
Pros and Cons of Choice Home Warranty
Background & State Availability
Since 2008, Choice Home Warranty has handled more than 2.5 million service calls and is trusted by over a million homeowners throughout the United States. Compared to others in the home warranty industry, its fees are competitive and the company offers comprehensive coverage for the most essential home systems and appliances.
Years in Business: 13
Headquarters: Edison, New Jersey
BBB Rating: B-
Number of Reviews: 1,300+
State Availability: 48 states*
* Choice Home Warranty in not available in California or Washington.
Choice Home Warranty Plans & Coverage
Choice Home Warranty offers two home warranty coverage plans: the Basic Plan and the Total Plan. The Basic Plan covers most systems and home appliances, however, does not offer coverage for your air conditioning system, washer, dryer, or refrigerator. To get coverage on those additional items, we recommend the the Total Plan.
Optional Add-Ons
Choice Home Warranty allows you to further customize your home warranty plan by offering optional coverage. Keep in mind that you will pay an additional fee to acquire protection for these systems that are outside of the bundled total plan and basic plan. If you decide to purchase any of the optional add-ons, you can expect to pay between $46 to $180 per month.
Choice Home Warranty offers coverage for the following optional add-ons:
✔ Pool and spa
✔ Central vacuum
✔ Second refrigerator
✔ Well pump
✔ Limited roof leak
✔ Stand alone freezer
✔ Sump pump
✔ Septic system
✔ Septic tank pumping
Coverage Limits & Exclusions
Choice Home Warranty excludes pre-existing conditions from its coverage. If you feel like your equipment is old enough to begin experiencing issues, it's important to purchase coverage before problems exist. In most cases, Choice Home Warranty requires a 30-day waiting period before coverage begins after you're approved for a policy.
Here's what's not covered under a policy with Choice Home Warranty:
Cosmetic items like knobs, rollers, handles, and doors.
Air conditioner maintenance and associated registers or grills.
Sediment build-up or reservoir tanks for water heater coverage.
Damage caused by acts of God like theft, fire, and storm damage.
Choice Home Warranty Cost
Choice Home Warranty plans range between $36 to $44 per month or $434 to $526 annually with a single payment plan. If you choose to pay annually, Choice Home Warranty offers an extra month of coverage free of charge.
Along with an $85 service fee, here's the price breakdown of Choice's plans:
*Sample quotes based on a single family home in North Carolina, under 5,000 square feet
Coverage Caps
While Choice Home Warranty offers extensive protection on numerous systems, the full cost of a repair or replacement isn't always covered. According to a user agreement, the group states that its liability will, in no event, exceed $3,000 per contract item for access, diagnosis, and repair or replacement. Although most systems are protected to the $3,000 coverage cap, a few exclusions apply.
Choice Home Warranty Reviews
You can gauge the performance of providers in the home warranty industry by researching its online reputation. Discovering what actual users are saying gives you a new perspective into what you may expect. When reviewing the Better Business Bureau's page for Choice Home Warranty, we found the provider has a B- rating with more than 1,300 customer reviews.
I have used Choice 3 times, perfect service every time.
—Joe A., 1/19/2020
They say service 24/7. I had an air conditioner issue over the weekend. It took them days to tell me I should go find my own repair man as they were having trouble finding someone. Seriously?
—Becky B., 7/13/2021
Verdict & Recommendation
Choice Home Warranty is among the largest home warranty providers in the nation. Its plans are simple, and its prices are competitive. Choice is ideal for those with older appliances, since they cover appliances of any age as long as they are in working condition at the start of the warranty.
To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form online.
Compare Home Warranty Companies
When seeking the right home warranty provider for you, it's always a good idea to compare costs across multiple companies. Our review team has a list of other top home warranty providers, taking into consideration cost, reviews, and total coverage.
Best Overall
bhg BUY IT
Best Basic Plan
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Best Discounts
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Best Coverage Upgrade
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Most Flexible Plan Options
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Best Membership Perks
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Best Add-On Options
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Home Warranty Rating Methodology
The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.
Here's what our review process looks like:
We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.
We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:
Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.
Choice Home Warranty FAQ
How do I get a quote from Choice Home Warranty?
Those who are interested in buying a contract from Choice Home Warranty can quickly contact the company for an accurate quote by filling out this online form. During the process, you are required to submit information, including your name, address, and your choice between the total plan and basic plan. To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form online.
A customer service representative will then reach out to you with a price for the policy. While the costs we listed above are the average, some factors, like the size of your home, may cause the amounts to fluctuate.
How do I submit a claim with Choice Home Warranty?
When filing a claim with Choice Home Warranty, policyholders have two avenues to pursue. The first option is placing a phone call to 888-531-5403 to reach the claims department. Or, users may access their Account Center and submit a claim 24/7
Once an issue reaches claims processing, Choice Home Warranty will dispatch a technician from its network. It's imperative to avoid hiring your own contractor without prior approval, as the group will not authorize a reimbursement.
Is Choice Home Warranty available in California?
Choice Home Warranty is not yet available in California. For homeowners in California interested in a home warranty, we recommend American Home Shield.
What is a coverage limit?
A coverage limit is the maximum dollar amount your home warranty provider will pay toward a covered item during a contract term. This means if you have repairs for an item exceeding your coverage limit, you are responsible for paying the difference.
Can I request service from Choice Home Warranty right away?
No, your coverage will start 30 days after your receipt of contract fee. This is not unique to Choice Home Warranty, and 30 days is the standard waiting period in the home warranty industry.
What is a service fee?
A service fee is an ordinary expense featured under home warranty plans. The charge is the responsibility of the policyholder, and it's typically paid directly to a technician once they arrive on the property.
