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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,263 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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11263 Customer Comments & Reviews

Loading Reviews ...
crease50
11/1/2019
Quick approval , when service provider was complete if a job. No long wait time.

jeffreycaudle
11/1/2019
I currently bought an older home and use Choice Home Warranty. They have been really helpful in resolving a couple issues I’ve had with my HVAC system. Without them my costs would’ve been very unpleasant.

waynebloomer
11/1/2019
Ms Kayleigh was very helpful and very informational on their purpose plans. She also saved me a lot of money đź’° and locked me into a great rate as a lifetime customer. Very nice lady.. Hopefully this is a reflection of their services... Thank you Ms Kayleigh..

janear47
11/1/2019
The service is awesome! They work with you and deal with issues right away with no questions.

V
Vijayvasdia
10/31/2019
Customer service excellent. Prompt response technician came soon diagnosed problem claim passed same day problem fixed. Satisfied. Please keep it up.

K
Kae a
10/31/2019
We are extremely pleased with the service we consistently receive from Choice Home Warranty. We have had a contract with them for about 5 years. A couple times we have had to make a claim on a Sunday, as we did last week when our air-conditioner stopped cooling. The Choice representative was friendly and acted quickly, getting us an appointment for the following morning at 9:00. He got that appointment on a Sunday for Monday morning within an hour! The repairman who came was professional and personable. He diagnosed the problem, fixed it, and was on his way less than an hour later. This has consistently been the kind of experience we have had. We plan to renew our contract when the... Read More

K
Kiaya W
10/31/2019
CHW is a great company to do business with. They have been prompt in assisting us with our every need...We are new home owners and they've made the process of requesting services and ease...

D
d.
10/31/2019
I have been very happy with Choice Home Warranty. When I emailed Saturday night that my heat wasn't coming on I got an email within 5 minutes letting me know that an appointment had been set up for me for Monday morning. I am POSITIVE if I had told them it was an emergency they would have had someone to my house Saturday night. They are a reliable company. I only have one small complaint. I do need a new furnace and that claim was denied because I "should have taken better care of it ". I have the furnace looked at at the beginning of each season, but none of the technicians saw the problem. I don't think I could have taken care of it if it wasn't called to my attention....BUT I... Read More

G
Gerald G
10/30/2019
Fast and Perfect! Called in claim on Monday; Plumber scheduled for Tuesday A.M. Due to doctor’s appointments, I contacted assigned plumber and rescheduled for Wednesday morning. Plumber called on Monday to advise that he was on the way to our address. He arrived within 45 minutes thereafter. He confirmed that our 26-year old garbage disposal needed to be replaced. He said he had six on board his truck and proceeded to make an immediate replacement. No mess and no fuss, and he was finished and out of here in less than an hour. We use Choice Home Warranty on average about twice a year. Never disappointed with the promptness of the service and the quality of the assigned technicians.

A
Adam
10/30/2019
My wife called to renew today and the person she dealt with was very pushy, obnoxious and rude to her. Had I have been home I would have canceled the renewal all together. As far as the service outside of the renewal process is concerned the program does what is says it will do. Maybe just fire the people who work in sales and the survey result would be better.

M
Maurice W  
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.
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