Company file — Choice Home Warranty
The second giant — the company whose own agreement (§E.5) says it can demand your maintenance records when it reviews your denial. The records company.
Waiting period: 30 days before coverage starts
Service fee (per claim visit): Amount set in customer's Coverage Details (not a single published figure in the agreement); independent reviewers report $85-$100 per service request
Workmanship guarantee: 30 days
Cancellation: Customer may cancel at any time for any reason (Section H.2). Within first 30 days of Order Date: repayment of paid Agreement Fee less any Service Costs incurred (unless prohibited by law). After 30 days: pro-rata repayment for unexpired term less Service Costs, plus an administrative fee of the lesser of $50 or the amount permitted by law; if Service Costs exceed the repayment, customer owes the difference (capped as stated in H.2.b). Company may cancel only for nonpayment of Agreement/Service Fee, fraud/misrepresentation, or mutual agreement (H.1).
BBB rating: B (not BBB accredited, per Insurify 2026) · Complaints on file: Over 9,000 complaints in the past three years (ConsumersAdvocate company-details page, data collected 2025; page updated Sep-Oct 2026). Prior brief's '11,000+ BBB complaints/3yrs' was NOT re-verified to an exact figure this pass - treat 9,000+ as the sourced floor. (read 2026-10-18)
The BBB profile
Complaint counts are a record of volume, not a denial rate — no company publishes one, and we don't invent one.
| Plan | Per system | Per appliance | Per term (aggregate) |
|---|---|---|---|
| Basic Plan | $3,000 per covered item per 12-month period (general limit, Section E.1) | $3,000 per covered item per 12-month period | — |
| Total Plan | $3,000 per covered item per 12-month period | $3,000 per covered item per 12-month period | — |
Caps from the published sample agreement / plan terms cited below. Plans vary by state and by the year you bought — your issued agreement controls.
Systems 'must be in proper working order on the effective date of this home warranty Agreement. Known or unknown pre-existing conditions are not covered.' - stricter than AHS/First American/Cinch: UNKNOWN pre-existing conditions are also excluded.
Section A.2
VERIFIED as briefed: 'In the event coverage is denied, and [you] seek to have Us review that denial, We have the right to request routine maintenance records and/or home inspection reports in reviewing Our decision.' Agreement also excludes routine maintenance and malfunction due to misuse, abuse or neglect; only normal wear and tear failures are covered.
Section E.5
VERIFIED: 'We have the sole right to determine whether a Covered Item will be repaired or Replaced... We reserve the right to offer cash or cash equivalent in lieu of repair or Replacement in the amount of Our actual cost (which at times may be less than retail) to repair or Replace any Covered Item. Cash or cash equivalent offered in lieu of repair or Replacement does not include the costs of shipping, tax, or installation.' After a cash-for-replacement payment, no further claims on that item for 12 months.
Section E.3
'We will not reimburse for services performed without prior approval' and 'We have the sole right to select the Service Provider.'
Section B.3 and Section B.6
Mandatory binding arbitration administered by the American Arbitration Association (AAA Commercial or Consumer Rules), individual capacity only, with a class action waiver; mediation step first (written claim + 30 days for company to respond). Choice of law: New Jersey; proceedings in New Jersey unless prohibited by law.
Section I (Resolution of Disputes - Mandatory Arbitration), incl. I.2 AAA, I.3 Class Action Waiver, I.5 Choice of Law/Venue (NJ)
Run your own situation through the readiness checker — it uses this company's caps and clauses. Already denied? The denial decoder starts with the reason on your letter.
Included in the $39 WarrantyDecoded Kit
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