Everything You Need to Know About Choice Home Warranty

Initially launching in 2008, Choice Home Warranty is located in Edison, New Jersey, where it offers affordable home warranty plans to consumers. Throughout its history, Choice Home Warranty has handled more than 3,000,000 service requests. It has also provided coverage to more than 1,000,000 homes across the country. Choice Home Warranty provides coverage to every state except for California and Oklahoma.

During its 12 years in business, Choice Home Warranty has received 1,400 reviews through the Better Business Bureau (BBB). Many love the coverage they receive and the company’s affordable rates. However, others complain about the company’s poor customer service and lack of coverage. According to reviews on Trustpilot, the majority of consumers report receiving excellent customer service and minimal wait times for a technician to arrive.

Choice Home Warranty at a glance:

• Plan options: Basic Plan and Total Plan
• Length of contract: one year
• Offers services in 48 states
• Prices start at $1 per day
• Service fees: $85
• Length of work guarantee: 30 days for labor and 90 days for parts
• BBB accredited? No
• BBB Rating: B
• Trustpilot rating: Great

How Choice Home Warranty compares:

American Home Shield

• Plan options: Systems Plan, Combo Plan, and Appliances Plan
• Length of contract: 12 months
• Offers services in 49 states
• Prices start at $34.99 per month
• Service fees: $75 – $125
• Length of work guarantee: 30 days
• BBB accredited? Yes
• BBB Rating: B
• Trustpilot rating: Bad

Cinch Home Services

• Plan options: Appliances, Built-in Systems, and Complete Home
• Length of contract: 12 months
• Offers services in 50 states
• Prices start at $27.99 per month
• Service fees: $100 – $150
• Length of work guarantee: 180 days
• BBB accredited? Yes
• BBB Rating: A-
• Trustpilot rating: Average

Choice Home Warranty pros and cons:

Pros:

• Easy to contact Choice Home Warranty by phone or via email
• Eventually pays for itself
• Flexible plan options

Cons:

• Does not cover items that are already broken
• You cannot choose your service provider
• Repairs almost always happen before replacements
• You must maintain all appliances and systems to ensure claim approval

A Deeper Look at Choice Home Warranty

Choice Home Warranty offers two plans:

Basic Plan

What does it cost?

• $43 per month

What does it cover?

Systems:

• Electrical system
• Heating system
• Plumbing stoppage
• Plumbing system

Appliances:

• Built-in microwave
• Ceiling and exhaust fans
• Cooktop
• Dishwasher
• Ductwork
• Garage door opener
• Garbage disposal
• Oven / range / stove
• Water heater
• Whirlpool bathtub

Total Plan

What does it cost?

• $38 per month

What does it cover?

Systems:

• Air conditioning system
• Electrical system
• Heating system
• Plumbing stoppage
• Plumbing system
• Built-in microwave

Appliances:

• Ceiling and exhaust fans
• Clothes dryer
• Clothes washer
• Cooktop
• Dishwasher
• Ductwork
• Garage door opener
• Garbage disposal
• Oven / range / stove
• Refrigerator
• Water heater
• Whirlpool bathtub

Additional optional coverage

• Central vacuum: $40
• Limited roof leak: $70
• Pool / spa: $180
• Second refrigerator: $40
• Septic system: $120
• Septic tank pumping: $65
• Stand-alone freezer: $40
• Well pump: $100
• Sump pump: $10

Does Choice Home Warranty have coverage limits?

Every plan has different limitations and systems or appliances that do not have coverage. For example, if you replace your water heater, the changes you have to make to the inflow and outflow pipes aren’t covered. Choice Home Warranty also places limits on specific appliances. The company may set a limit for the amount of coverage it pays out for specific appliances, for instance. Home warranty plans also do not cover faucet repairs, haul-away, items broken before escrow closes, outdoor equipment (like sprinklers), permit fees, and certain appliances including dryers, garage door openers, refrigerators, and washers.

Examples of coverage limit costs include:

• $500 limit to access, diagnose, and repair or replace plumbing systems and stoppages
• $500 limit to access, diagnose, and repair or replace ductwork
• $500 limit to access, diagnose, and repair or replace a well pump
• $1,500 limit per contract item for accessing, diagnosing and repairing or replacing

Choice Home Warranty reviews

Choice Home Warranty reviews are available on reputable websites, including the Better Business Bureau and Trustpilot. The company currently is not accredited by the Better Business Bureau, and it has a B rating. A B score means that, out of 100 possible rating points, the company ranges between 80 and 83.99. Rating points range from the company’s complaint volume to any government action against the company.

There are currently over 1,400 Choice Home Warranty reviews on the Better Business Bureau and the company gets an overall one-star rating. Trustpilot, however, has over 10,000 Choice Home Warranty reviews and a current overall four-star rating – a “Great” ranking on the site. Though you can’t sort on BBB to see the average number of negative or positive reviews, you can on Trustpilot. Out of all of the reviews for Choice on Trustpilot, 66% of them are positive.

The bottom line

Because Choice Home Warranty does not deny you coverage based on the age of your home, a warranty through Choice is a good option if you own an older home. Even though there are only two plans, it is still possible to find affordable rates, though both of these plans mean you are unable to choose your service contractor. Additionally, if you live in the state of California or Oklahoma, you cannot receive coverage from Choice Home Warranty.

Frequently asked questions

How does Choice Home Warranty work?

 Select which plan best fits your needs and, if you need additional coverage, you can select what is available in the optional coverage list. Costs are going to vary according to your home’s location, its size, the type of home, and your desired level of protection.

What is covered by Choice Home Warranty? 

You can receive coverage for heating and cooling systems, water heaters, boilers, tanks, electrical systems, plumbing systems, washers, and dryers. There is also coverage for kitchen appliances, ceiling fans, ducting, venting, and doorbells.

Can I cancel my Choice Home Warranty? 

Yes. But to receive a full refund for the contract fee, you must cancel within 30 days.