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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,380 Customer Comments & Reviews - see all comments
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Choice Home Warranty is a New Jersey-based company founded in 2008 which offers services contracts. Their plans offer protection against the cost of repair or replacement of major systems and appliances in the home via several plans. Each plan also offers optional coverage for septic systems, pools /spas, well pumps, sump pumps, central vacuuming systems, limited roof leaks, second refrigerators, and standalone freezers.
 
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How Do We Rate Choice?

Breakdown

4.8/5
Transparency
4.5/5
Claims Processing
4.5/5
Coverage Options
4.8/5
Additional Benefits
4.3/5
Customer Experience

Our Overall Rating: 4.6 / 5 (Excellent)

Choice Home Warranty offers a full array of home appliance and systems coverage at a competitive price. The company offers two plans for existing home owners —Basic and Total. In addition to a monthly premium, customers can expect to pay an $85 service fee each time they make a claim, which falls in low-to-mid range when compared to other home warranty companies.

You can submit a claim 24/7, including holidays, via phone, online, or app. The company utilizes proprietary technology to begin the dispatching process after a claim is filed. The company has recently updated their plans increasing coverage and has fewer limitations. Their plans and optional coverage can cover over 25 major systems and appliances.

Choice Home Warranty earns a B rating from the Better Business Bureau and has a positive rating on Trustpilot, but in this industry, negative customer reviews far outnumber positive ones.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
$3,000
Typical Systems Benefit Limit
$3,000

Coverage Options - 4.5 / 5

Choice Home Warranty offers existing homeowners two plans, each of which cover a mix of systems and appliances. The primary difference between its Total plan and its Basic plan is that refrigerators, washers and dryers, and air conditioning systems are not included in the Basic Plan. Optional coverage for such items as pools and spas, well pumps, and septic systems is available for an additional fee. The company states that, in any case, its total liability for any single item is capped at $3000, but lower limits do apply to some covered items.

What does Choice cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Central Vacuums
  • Ceiling Fans
  • Ductwork
  • Sump Pump

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Built-in Microwaves
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer
  • Ranges
  • Ovens

Exclusions

For a full list of Choice exclusions, check out this page.

Specialty Items

  • Pool
  • Spa
  • Septic Tank Pumping
  • Second Fridge
  • Freezer
  • Limited Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $0
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 5 / 5

We requested a quote for a single family home of less than 5000 square feet in a small midwestern city. The premium for Choice Home Warranty's Basic was $47.85 per month and the premium for its Total pan was $54.95 per month. With the cost difference between the two plans being only about $7 per month, to our mind, the Total plan a better value overall because it includes coverage for three of the most common appliances: refrigerators, washers, and dryers. It also includes coverage for air conditioning systems.

The company's co-pay for a service call is $85, slightly less than most comparable companies. The co-pay may be reduced further with special discounts and promotions.

Sample Contract

Choice provides a sample contract for potential customers on its website: Choice Sample Contract

Cancellation Policy

The contract shall be non-cancelable by the company except for nonpayment of contract fees or service fees, fraud or misrepresentation of facts by the customer, or by agreement between client and company. Customers may cancel within the first 30 days of the order date for a full refund of the paid contract fees. If canceled after 30 days, the customer shall be entitled to a pro rata refund of the paid contract fee for the unexpired term, less a $50 administrative fee and any service costs incurred by the company.

Claims & Service

Claims

Service Fee
Choice Home Warranty two plans include the same $85 service fee, also known as a deductible.
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
15,000+
Number of Technicians
15,000+
Service Recall Period
30 days

Claims Processing - 4.5 / 5

The company's claim center takes calls 24/7/365. Claims can be made online or by calling the company.

Choice Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
500+
TrustPilot Rating
3.9 out of 5
BBB Rating
B
Date Collected
2021-12-15

Reputation - 5 / 5

Choice Home Warranty is one of the fastest growing organizations in the USA, winning Inc 5000 awards for 7 years running. U.S. News & World Report's 360 named Choice Home Warranty Among the Best Home Warranty companies two years in a row, and BEST CLAIMS Service. Choice Home Warranty is also a member of the National Home Service Contract Association (NHSCA), an industry trade organization serving home service contract providers and consumer interest throughout the United States.

While the company earns an average B rating with the Better Business Bureau, consumers have lodged over 9000 complaints against the company in the past three years with that organization. Choice Home Warranty earns only 1 star out of 5 from consumers who have reviewed the site on the BBB's website. The BBB also notes that Choice Home Warranty has been the subject of several significant legal actions by the Arizona Attorney General's office. The company has also been reprimanded by the BBB itself for improperly offering financial incentives to clients who leave positive reviews.

Choice Home Warranty fares much better on Trustpilot, where consumers award the company 3.9 out of 5 stars.

Contact & Additional Information

Homepage URL
http://www.choicehomewarranty.com/
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

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11380 Customer Comments & Reviews

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Ruth W
7/23/2017
Their repair man came, he was on time and very good, and told us what was wrong.Our air conditioner was not cooling to well, He talked to the Technician and told him it really needed to be replaced. Because it is an old unit, you are doing NOTHING TO HELP WITH OUR CLAIM. After waiting on the phone for 30 minutes and being told something completely opposite of what the repair man told the technician, she then transferred to someone that could not hear me on the phone and was going to call me back.....still waiting, two days later. I knew she would not as she never could hear me when I told her my name, and I was even screaming into the phone, because the air conditioner is cooling (running... Read More

V
veera t
7/22/2017
Good customer support and great support.

D
dsantamu4
7/22/2017
My AC unit broke on June 6, 2017 and Choice Home Warranty declined to " repair or replace it" like they promised me. They are big liers. They ony want to make profits and not help the home owners. They offered me a "cash out" of $100 when it cost me personnally appro. $4,400 to to buy a new AC unit. They are a terrible and unreliable company. I do not recomend this company to any homeowner. Stay away from Choice Home Warranty at all cost.

J
Jesse M
7/22/2017
Purchased pool service warranty. Had a leak on my system. Contacted CHW & spoke with an extremely knowledgeable customer service representative. Representative took down all details pertaining to my issue. Within 2 hours received a call back from a service contractor & next day visited my home to survey the issue. Within less than a week my service issue will be taken care off. What fantastic service, response, knowledge & value with Choice Home Warranty. I recommend any new customers to sign up & become one of the many satisfied clients for your home warranty.

Donnell B
7/22/2017
They were prompt and honest with the acessment! They selected Just Coolin to help with my AC issues and Mark the service man was TERRIFIC!

M
Margaret G
7/22/2017
The service we received was excellent for repairs to our plumbing. The appointment was scheduled right away and completed on time.

A
amanda G
7/21/2017
The Tech that came out was very honest and fast. The team at Choice home warranty were very friendly and helpful. Thank you Choice Home warranty. Amanda Goodrich

A
acwebb67
7/21/2017
I am so glad that I switched to Choice Home Warranty. Now only did I get a great cost; but great service. Since having Choice I have had an AC Unit repaired and now my built in microwave replaced. I was contacted within 24hrs for my repairs and the contractors came out and did the job. Customer service is pleasant and quick to respond- hassle free. I like that I can file my claims online and if any questions ; I have options to call in. I have now referred a relative to make the switch. I'm glad I made the choice to go with Choice. Ms Webb

L
Lane
7/21/2017
Service is excellent and the price of the warranty is good - only negative is that when you do have a claim, the dollars offered are ridiculously low. You will not be able to replace an appliance or HVAC device with one of similar quality. Because I was persistent on my claim, they up-ed the offer but still only covered about 2/3 of the product cost - nothing is paid for installation. So think of your home warranty as a "help" in paying for 1/2 to 3/4 of what your replacement cost will be. But response time, communication, and follow-up is excellent.

Jennifer B
7/21/2017
Thanks for sending a great company out to fix my air conditioner!! Great working with Choice!

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