Choice Home Warranty Review


Rating: 9 / 10 (Excellent)
2,088 Customer Comments & Reviews - see all comments
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Choice Home Warranty is a New Jersey-based company founded in 2008. Their plans offer comprehensive protection against the high cost of repair or replacement of major systems and appliances in the home via two different plans. Each plan also features additional coverage for Septic Systems, Pool / Spa, Well Pump, Sump Pump, Central Vacuum, Limited Roof Leak, Second Refrigerator, and Standalone Freezers.

How is Choice rated?

Breakdown

9/10
Coverage
8/10
Reputation
10/10
Contract & Price
10/10
Claims & Service

Overall Rating: 9 / 10 (Excellent)

Choice Home Warranty offers a full array of home appliance and systems coverage at a competitive price. Submitting a claim can be done at any time, including through the internet. Unlike some of their competitors, the company does not impose an annual cap on pay-outs. However, the company's reputation has suffered due to some recent regulatory actions.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
$1,500
Typical Systems Benefit Limit
$1,500

Coverage - 9 / 10

Choice Home Warranty's coverage of home systems and appliances is squarely in line with industry practices. They exclude malfunctions caused by failing to provide proper cleaning or maintenance. Refrigerators, air conditioning systems, washers and dryers are excluded from coverage by the basic plan, but can be added in the premium plan. Although the company does not impose a yearly maximum payout, coverage on most items is capped at $500 or $1,500.

What does Choice cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Central Vacuums
  • Ceiling Fans
  • Ductwork
  • Sump Pumps

Covered Appliances

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

Exclusions

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

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $370
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 9.7 / 10

The annual premium for Choice Home Warranty coverage is $370, which is very competitive within the market. The company's co-pay for a service call is $60, 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 refund of the paid contract fees, less a $50 administrative fee and any service costs incurred by the company. 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. All cancellation requests must be submitted in writing.

Claims & Service

Claims

Maintenance Records Required for Service?
Yes
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
30 days

Claims & Service - 10 / 10

The company's claim center takes calls 24/7/365. Claims can also be made online, a feature that most other companies do not offer.

Choice Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
51-200
TrustPilot Rating
9.3 out of 10
BBB Rating
B-
BBB Rating
95
BBB Neutral Reviews
21
BBB Negative Reviews
495
Date Collected
2017-07-26

Reputation - 7.9 / 10

Choice Home Warranty is not BBB-accredited, but they do have a B- rating with the organization. Although negative reviews far outweigh positive ones, this is not unusual within the home warranty industry and is frequently due to customers misunderstanding coverage terms. However, the company has been reprimanded twice by the BBB for improperly offering financial incentives to clients who leave positive reviews. In 2015, the company paid $780,000 to the State of New Jersey to settle claims brought by the state alleging that the company engaged in various unfair and deceptive consumer practices.

Contact & Additional Information

Homepage URL
Company Phone
(888) 531-5403
Headquarters Address
1090 King Georges Post Rd, Edison, NJ, 08837
Year Founded
2008

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2088 Customer Comments & Reviews

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L
Larry C
Jacksonville, Florida
12/5/2016
My claim was handled promptly, a plumber was assigned within 24 hours, and repair was completed within 36 hours. Excellent service!


R
Richard M
Norcross, Georgia
12/4/2016
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Stephanie W
Mandeville, Louisiana
12/3/2016
I was very pleased with the ease of filing the claim and how fast the response from the vender was to get the heater working!


Joy K
Cedar Creek, Texas
12/2/2016
Service technician was assigned almost immediately. The technician arrived within the time schedules. However the technician has to order a part and has to return on Tuesday to finalize the repair.


E
Ella D
Angier, North Carolina
12/2/2016
I Had an appliance to fail during the holidays. Bad time. I had to wait for businesses to start work again. Once the process started after the break, things moved smoothly. A part was ordered and installed in 2 days. The repairman couldn't have been nicer. DeRouselle


C
Carol
Peoria, Arizona
12/2/2016
Quick, efficient service. Identified the problem and corrected it on the spot. Service person was pleasant. Appreciated quick response. However the first service company was unable to give me an appointment day or time and ultimately called a day later to schedule an appointment four days later. I contacted Choice that that was unsatisfactory and the agent put me in touch with new service provider of whom I was extremely pleased.


D
diann b
Las Vegas, Nevada
11/30/2016
I have required the services of Choice Home Warranty 3 times since signing up for your service approx. one year ago. My microwave went out after 10 years and I used the opportunity to check out your service. I called the office , a technician came out within hours. He said the microwave would have to be replaced and I was to wait for a call from Choice. Choice called to tell me a check would be forthcoming. Secondly I felt my oven wasn't heating properly. I followed the same steps as above and not one but two technicians came out and gave my oven a complete check. They couldn't find anything wrong and that was it. Lastly my thermostats weren't working and I had no heat in the house. Again... Read More


E
ellen
New Orleans, Louisiana
11/30/2016
when we first got Choice Home Warranty we was pleased but the last three claims they done nothing I had an element went out in my stove , washer wouldn't spin & last the thing I need a plummer I paid for the part for my stove & paid the man to put it in they told me to find someone & they would reimburse me same thing on the plummer I did again fax them the bill told me that what I had done was not covered so why pay Choice Home Warrenty a monthly payment I am disappointed


A
Andre A
Henderson, Nevada
11/30/2016
The way you handle my claim was excellent and extreme professional. I will recommend your company to all my friends Thank you for the job done well


M
m r
Baltimore, Maryland
11/30/2016
This is perhaps one of the cheapest companies, but the coverage is not worth a thing. They have so many exclusions that it is almost impossible to get them to pay for anything. Do your due research before choosing a policy to make sure that there aren't ridiculous exclusions.



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