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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,140 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.

How is Choice rated?

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

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
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

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10140 Customer Comments & Reviews

Loading Reviews ...
mosen.ghaith
9/15/2023
Lydia Colvert, Case Manager, was extremely helpful, knowledgeable and informative in resolving my claim no. 210283267 for a microwave replacement. Although I disagreed at first with a tone of frustration wanting CHW to reimburse me more than $191 to account for the filler kit to compensate for a 36" size microwave space between the cabinets, Lydia took the time to explain with a consummate professional demeanor by relaying pertinent information per the contract as to what is covered and what isn't. As a result, I was pleased with the outcome of providing me the reimbursement in a check form to be received soon as opposed to a gift card from Lowe's to expand my shopping options. She also... Read More


mosen.ghaith
9/15/2023
Lydia Colvert, Case Manager, was extremely helpful, knowledgeable and informative in resolving my claim no. 210283267 for a microwave replacement. Although I disagreed at first with a tone of frustration wanting CHW to reimburse me more than $191 to account for the filler kit to compensate for a 36" size microwave space between the cabinets, Lydia took the time to explain with a consummate professional demeanor by relaying pertinent information per the contract as to what is covered and what isn't. As a result, I was pleased with the outcome of providing me the reimbursement in a check form to be received soon as opposed to a gift card from Lowe's to expand my shopping options. She also... Read More


margiehigh
9/14/2023
After being with Home Warranty of America it was a pleasant experience to have my pool claim handled so efficiently However, I was also sent a note that this claim would not be approved. After reading your policy I am not sure why it wouldn't be approved. The pool line to the filter was clogged due to the last wind storm. This is much like a clogged drain in the sink. Please explain. Margie High


woodya6097
9/14/2023
Very helpful. Thank you for all of your help getting our garage door fixed.


leroyc32
9/14/2023
Everything was and is well communicated. Fast appointment and professional techs were sent. Thank you very much.


kwb2201
9/13/2023
My contract was cancelled on Monday, September 11, 2023 in an era by Choice Home Warranty, I never cancelled my contract agreement, it was Reinstated on Tuesday, September 12, 2023 and my new Service Call Fee is now $100.00 but my previous Service Call Fee was $75.00.  If someone is able to help me with this change I would be very grateful because I'm fixed income and need all the help I can get. Thanks in advance


ninileegame
9/13/2023
After had a water heater broken with water leak, just because I'm new comer my claim was deny. I says that water heater will not be broken in one day? yes it may not but for a 20+ years old how do i know when will it start leaking!!


lethafogle336
9/13/2023
They are very understanding and patient with you in helping you getting help with your issues.


lucieboelter
9/12/2023
Maxim Tovkach of Emergency Appliance Repair was extremely polite and did an excellent job of fixing my stove. He took the time to explain what was wrong. I would recommend him for future jobs


M
Michele
9/12/2023
Agent was very polite and took care of my needs. Thank you



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