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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,310 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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11310 Customer Comments & Reviews

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Bernard T
7/30/2020
Brett, from Water Tex, did a great job. He was also very personable.

E
Elizabeth
7/29/2020
I used my warranty once last year and my garbage disposal was replaced. So happy with Choice Warranty year 2019 that I renewed contract for this year. Just emailed today requesting a bedroom ceiling fan assessed/repaired, dishwasher assessed/repaired, both bathroom sink stoppers repaired, and requesting for my bathroom counter drawer to be repaired if allowed in contract. Wow... living in condo over a year has these things ... so happy I chose Choice Home Warranty!!!!

bcdcbiz
7/29/2020
I contacted Choice Home Warranty when I had a problem with my refrigerator. I was pleasantly surprised when I received notification within 30 minutes that a repair technician would be available the next day. The repairman arrived on time and could not have been more helpful. He patiently explained the cause of our problem and answered a number of questions. He completed his repair within 30 minutes and further explained the maintenance checks we could do ourselves to assure we didn't have any more problems in the future. We could not have been happier with the way the project went from start to finish.

Phyllis M
7/29/2020
The technician that came to our home was Neftali Velasquez , he was very polite, helpful and efficient. Mr. Velasquez talked with my husband, Timothy, and explained all that he was doing . We would recommend this service to everyone.

nadan61
7/29/2020
The technician from Ecotech was professional and did a good job servicing our AC.,

RJ U
7/29/2020
They would not fix our washing machine but decided to replace it instead. Unfortunately, they would only offer us $475 to get a new one. This was unacceptable considering a new washer of the same quality and type begin at $700. They will quote you at wholesale price when you have no way of getting the unity wholesale. In the end we will have to pay money out of our pocket plus the initial service fee. Other home warranty companies like American Home Shield would make sure you have no out of pocket expenses other than the initial service fee. I know this from past experiences with AHS! Poor customer service and care for the clients here at Choice Home Warranty..Beware!!!

Maurice W  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to provide the best customer experience; therefore, we regret to hear that you were not satisfied with the services we provided. We are making every effort to enhance the customer experience; therefore, we have submitted your feedback to the Director of Customer Relations.
brooke_dies
7/29/2020
Although the company does make repairs, it does not cover 100% and does not provide full replacement cost.

M
Meagan C
7/29/2020
Choice Home Warranty was very fast with a certified technician to my home to evaluate my HVAC. And as their contract states they covered $1500 foot the repairs needed.

artdor998
7/29/2020
Choice again did an outstanding job with my LG washer problem. They called and sent a technician within 24 hours. Robert, Appliance One Solutions was very informative and polite and fixed my issue right away. I would recommend Choice and Appliance One Solutions to anyone looking for washer and dryer repair in San Antonio, TX.

M
meroff s
7/28/2020
out multiple time for ac in 90 degree heat, keep putting on band aids per you terms to just get it running. I live in an over 55 dev. and a lot of people are asking me how your co. is doing and want to know the end results. So far I paid 45.00 to 2 different co. and over 600.00 for window air conditioners because it is taking so long

M
Maurice W  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to provide the best customer experience; therefore, we regret to hear that you were not satisfied with the services we provided. We are making every effort to enhance the customer experience; therefore, we have submitted your feedback to the Director of Customer Relations, who will review this matter accordingly.
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