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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,300 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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11300 Customer Comments & Reviews

Loading Reviews ...
zach.vacha
6/24/2020
Technician was good. CHW service I like but it did take a week for them to come and look at the issue; maybe COVID related

Becka C
6/24/2020
Very fast response time technicians had it taken care of from claim start to home service finish within 2 hours. Amazing

A
alan s
6/24/2020
this is based on the LONG wait for my spa repair. plus your asking me to find a contractor. that is what i pay you for. as of today the repair has not been made, 3 weeks after filing the claim. however a contractor is scheduled for the 29th.

Sherrin D
6/24/2020
i did not like the price increase and the denial claims sometimes i pay and the issue is not covered.

J
Joseph D
6/23/2020
Your sales person misrepresented the coverage. Ac units only covered to 13 SEER BOTH MY HOMES HAVE 16 SEER UNITS. I got pool coverage on my Florida home I specificities asked what was covered and was assured all my pool equipment was covered including a salt water system I was assured it was. It’s not according to your list of covered items and I had to pay EXTRA for coverage for my ice maker. Consider this notice your a scam and I’m contacting my credit card company. Disrespectfully yourJoe Dieterich

Sunny A
6/23/2020
Good day, All, I recently had to cancel my account for financial reasons. I am retired and on limited income. However, I do appreciate the good service rendered to me regarding all the appliances covered by your plan. Sunny

Stephanie H
6/23/2020
I’m very pleased with the service I received from CHW. I noticed a pond of water underneath my kitchen sink and was unaware my garbage disposal had been leaking. I put a claim in with CHW and was notified in less than 12 hours that a plumbing company would be contacting me to set an appointment date. The day of the appointment, Certified Plumbing called prior to their arrival to let me know they were on their way. The technician Jason was very professional and knowledgeable. He replaced my garbage disposal and recommended a few other suggestions. I’ve been a CHW customer for the past 3 1/2 years and I’m extremely satisfied with their service.

Jeanne G
6/23/2020
Excellent job it was a power switch to my washer, done neat and quickly. Service man was clean and worn a mask very polite ask to wash up and for a paper towel to dry his hands. Wrote up the work order for me to sign I did and he left. I would have this Company at my home for other appliances services.

hrcsuperstar
6/23/2020
Good customer service I have to say. I liked also that on a weekend I was able to speak to someone live. It was hard to be down with an ac unit. But the team had a tech out in within 1 business day. I knew it would be hard to get someone out on a weekend, especially Fathers Day weekend. But Choice customer support and Dispatch did a great job to manage and update the support of the open case. I am happy to say AC unit fixed today and cold air in the house. Choice warranty is worth having the coverage in the house.

J
John P
6/23/2020
Everyone was tremendous I need to get my AC fixed and they made me feel better about everything.

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