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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,264 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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11264 Customer Comments & Reviews

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Gina R
11/20/2019
I have recently made three separate claims for 3 separate things. The first two claims choice sent me an email noting they had been assigned. But when I hadn't heard from the two separate companies for different claims I called them an hour before the assigned time expired. Both noted they never agreed to the assignment nor knew anything about it. The most recent company had two claims but two claims for the same address instead of my address. It takes a lot out of our personal time to sit and wait for the company to come out. So to hear that they never received the assignment is very frustrating and inconvenient. Not satisfied at all with Choices blunders in assigning the claims.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Thank you for your feedback. We strive to provide the best customer experience and regret to hear your dissatisfaction. In efforts to assist, our Consumer Advocate will message you directly to further address your concerns. Kind Regards, CHW
R
Robert C
11/19/2019
I called yesterday to open a regular account. Your rep, Ralph Butler, started trying to sell me your Veteran's policy. I was about to agree to it when my wife found out the upfront cost and said to not take it. I told Mr. Butler my wife vetoed the plan and told him I wasn't going to take it and hung up the phone.. Then this morning I look at my bank account online and see two charges for $1125 deducted from my account. I better get this money back.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the sales experience, therefore, we appreciate your feedback. We have shared your feedback and concerns to the Director of Sales who will review this matter and handle accordingly.
D
Dawn M
11/19/2019
CHW, has been amazing with my concerns when I opened a service call I wasn't comfortable with the technician they were going to send out they quickly arranged for a different technician this technician that came out with the company klb his name is Kevin and he was amazing he kept me up-to-date he was very knowledgeable he educated me on maintenance and things I wasn't aware of with my Appliance he let me know when he would be here to fix the part how long it would take gave me a 30-minute notice and I felt very comfortable with him in my home thank you and because of this experience I will always choose you as my home Care company

D
Denise P
11/19/2019
I'm new to Choice Home Warranty and this was my first call to report an issue with my hot water heater. The representative who took my call was professional, patient and he took my information and I had an appointment with a plumber scheduled for the next day. Excellent customer service.

Paul R
11/19/2019
Alan was amazing, what a huge asset to your company. He was unbelievably help and based on his exceptional service I feel very good about my choice to join Choice. He gets a perfect 10!

J
Jeff B
11/18/2019
My dryer was repaired within 5 hours of my call. Excellent! I've only had the warranty for 6 months and all 3 repairs have been done quickly.

K
Keshav H
11/18/2019
My heating system had some problem. Hot air was not coming.A technician from Premier Mechanical Inc came and fixed all related problem. He is really professional and understood my concern. I am very impressive with his working skill and customer service. Such employee is really a very goodwill to the company. If any time I have this problem, I will recommend him to come. I am also recommending him to all my relatives and friends.

Elizabeth B
11/17/2019
Easy to process claim; expedient response with friendly customer service from repair company.

Nikita K
11/17/2019
If I could give below 3 stars if I would. I selected a monthly payment plan option when purchasing my policy. Like this inability to select less stars, they automatically deducted the entire policy price from my account. When I called the sales rep was EXTREMELY rude, talking over me. Not listening to my concerns then executed a cold transfer to a department that disconnected the line. When I called back I got the very same agent who stated that I am the one who disconnected the line and that I "should have selected the payment plan option." He, without allowing me to get a word in, cold transferred me again for me to be disconnected again. The third and final time I called back, I got a... Read More

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the sales experience, therefore, we appreciate your feedback. We have shared your feedback and concerns to the Director of Sales who will review this matter and handle accordingly.
W
Wayne T
11/16/2019
I am completely dissatisfied with this service and will cancel as soon as possible.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to provide the best customer experience and regret to hear your dissatisfaction. Please send your policy/claim number to respond@choicehomewarranty.com as we would like to provide a satisfactory resolution for you. In the subject line, please advise “Consumer Advocate Reviewer”
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