Choice Home Warranty Review (2018)

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Choice Home Warranty

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Is Choice Home Warranty the best way to protect your expensive appliances over the long term?

Most customers have a good experience with their Choice Home Warranty and appreciate filing claims online, the quickness of service, and that most repairs are covered. There was the occasional negative review about coverage issues and difference in overall cost and reimbursement amounts so make sure to read your contract to ensure that you are covered for the services you expect.

Home Warranty Scores

Overall Score: 9.6/10

Customer Satisfaction: 9.5/10

Prompt Service: 9.5/10

Repair / Replace Quality: 9.6/10

Price Range: $369-$449

Deductible: $60

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Company Details

Choice Home Warranty (CHW) has been around for about a decade, servicing the home warranty space. They offer a variety of home warranty products to customers in the United States. Some of their customers are serviced by other corporations that fall under their umbrella. Overall, they provide above-average home warranty services and most customers have a positive experience.

Choice Home Warranty
HeadquartersEdison, NJ
# of States ServedAll States but CA
BBB RatingC+
Employees~100-200
Customers100,000+

Product Details

Choice Home Warranty offers two plans: The Basic Plan and The Total Plan. There is also optional coverage that you can buy to add on to either of these two plans. Here is the full breakdown of their offering:

PlanCoverage Items
Basic Plan
  • heating system
  • electrical system
  • plumbing system
  • plumbing stoppage
  • water heater
  • whirlpool bathtub
  • oven/range/stove/cooktop
  • dishwasher
  • built-in microwave
  • garbage disposal
  • ductwork
  • garage door opener
  • ceiling and exhaust fans
Total PlanAll basic plan coverage and:
  • A/C
  • refrigerator
  • washer/dryer
Optional ItemsA la carte options:
  • Pool/spa
  • central vacuum
  • second refrigerator
  • well pump
  • limited roof leak
  • stand alone freezer
  • sump pump
  • septic system
  • septic tank pumping

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Exclusions:

  • Per item exclusions that are important to note in contract before you agree
  • Malfunctions due to rust, corrosion, sedimentary buildup (such as mold, mildew)
  • Collapsed ductwork
  • Cosmetic defects
  • Possible additional fee for disposal of appliance, system, or component
  • Systems or appliances that are damaged with: unclean/unmaintained systems, missing parts, structural changes, fire, freezing, electrical failure/surge, lightening, mud, earthquake, soil movement, soil settlement, setting of home, storms, accidents, pest damage, acts of God, or damage because of excessive or lack of water pressure.
  • Improper installation, alterations, modifications or related to inadequacy, mismatched systems, oversized systems, undersized systems, lack of capacity, previous repairs, or manufacturers defect.
  • Limit of $1,500 per contract item for access, diagnosis, and repair or replacement

Ease of Making Claims

Customers report very easy claim management and requesting in the online claim portal. There are some who had issues with communicating on the phone, but this is not as large of a problem as with other companies in the industry.

Positives

  • Online claim portal is easy and smooth
  • Getting a claim assigned is relatively painless

Negatives

  • Some call agents were difficult to hear/understand

Repairs & Replacements

Most repairs are done quickly and service providers are highly rated by customers. Where there are the most complaints are misunderstandings on items of coverage and coverage limitations. Please read your contract and understand the financial limitations. Unfortunately, most home warranty companies will not cover repairs past a certain amount and there are some caveats in terms of a replacement product (such as quality and style).

Realtor Tools & Plans

Realtors have access to additional plans offered by Choice Home Warranty. With service fees that are low in comparison with many others in the industry and in-depth options for home buyers, it can be a nice additional package to add to sales for clients. Here is the full breakdown of the Choice Home Warranty realtor plans:

PlanCoverage Items
Choice Plan (Home Buyer)
  • heating
  • A/C
  • ductwork
  • electrical
  • garage door openers
  • attic fans/ceiling fans/exhaust fans
  • plumbing system
  • plumbing stoppages
  • water heater
  • sump pump
  • dishwasher
  • oven/range/cooktop
  • built-in microwave
  • garbage disposal
  • trash compactor
Choice Plus (Home Buyer)All the coverage from the Choice Plan and:
  • washer/dryer
  • kitchen refrigerator
Choice Ultimate (Home Buyer)All the coverage from the Choice Plus Plan and:
  • plumbing upgrade
  • heating and A/C upgrade
  • appliances upgrade
  • permit fees
  • code violations
  • haul away services
  • improper installation/repair/modifications
  • mismatched conditions *some exclusions so make sure to read contract
Add-On Options (Home Buyer)Limited roof leak, central vacuum, additional refrigerator, septic system, septic pumping, well pump, pool and/or spa equipment
Home Seller Plan
  • electrical
  • garage door openers
  • attic fans/ceiling fans/exhaust fans
  • plumbing system
  • plumbing stoppages
  • water heater
  • sump pump
  • dishwasher
  • oven/range/cooktop
  • built-in microwave
  • garbage disposal
  • trash compactor

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Choice Home Warranty vs. Other Top Home Warranties

Choice Home Warranty vs. American Home Shield

Choice Home Warranty is a bit more expensive than American Home Shield from a premium perspective, but less expensive when it comes to using the deductible. In terms of user satisfaction, American Home Shield has a bit more love from customers and more customers overall who are happy with their service. American Home Shield also has the ability to customize per each system or appliance type. However, both of these options are good for customers depending on what you need.

Choice Home Warranty vs. First American Home Warranty

First American and Choice Home Warranty both have good web site experiences that customers appreciate from making claims and getting service. Choice Home Warranty gets higher marks on serving customers faster overall.

Choice Home Warranty vs. Old Republic

Choice Home Warranty is refreshingly upgraded versus Old Republic, offering multiple plans for both home owners and realtors, but also a nice website experience for those that are trying to fulfill requests. In terms of the service, Choice Home Warranty gets higher marks overall from customers.

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Disclaimer

Finding the right home warranty in an ocean of online reviews can be a tedious task. This site's purpose is to provide a detailed account of available home warranties and service plans in the US. The scores here are based on aggregated reviews from other sources across the Internet and although we have tried only to find trustworthy reviews, the scores may be affected if outside sites do a poor job mitigating fake reviews.

The makers of Home Brands also make affiliate commissions from some of these home warranty companies to keep the site running. We do not allow that to affect our scoring. There is NO additional price markup for using this site or on links from this site and any commissions made by Home Brands come out of the home warranty company's profit margin. See how it all works here.

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