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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,262 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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11262 Customer Comments & Reviews

Loading Reviews ...
msallisonmarshall2010
9/28/2019
I recently purchased a home that was built in 1996. Beautiful home but I knew it was older and repairs would come soon. The home owner purchased the premium plan and it has worked in my favor majorly. I’ve reported 3 claims and there was no problem getting the things fixed. 1st repair was in April 2019 for a garage button repair, 2nd repair was for the air compressor going out in August 2019. It took over 2 weeks but I received a new compressor and I only paid the $65 service fee which I’m beyond thankful! 3rd repair was in September 2019 for garbage disposal replacement. Again it was replaced for only $65 service fee. So far I love the warranty and I plan to renew it when it’s... Read More

L
Lesley G
9/28/2019
Very pleased with product/pricing offering and knowledge of rep. Very comfortable experience.

Cyndi S
9/28/2019
The phone agent was very pleasant to work with. I like the technician that was assigned. Just a little disappointed that it takes a week to get my a/c fixed because the part has to be ordered.

maroney717
9/27/2019
Scheduled a repair on my ac unit. Service tech came out and fixed ac unit. Worked for one day and is not working again. Hope to get situation resolved without paying for another deductible being it was serviced 24 hours ago.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Josh, Please contact us directly for further assistance at 1.888.531.5403.
C
Charles M
9/27/2019
Mr. Oscar Arevalo with Premier HVAC Mechanical, Inc. responded to my home today and replaced the "Blower Motor" in our air condition unit. The A/C stopped working yesterday afternoon. I filed my claim with Choice Home Warranty after 9:00 PM on September 26, 2019. Your company assigned my claim to Premier HVAC within hours. The owner, Oscar came out to our home and fixed our problem in less than a day's time. Hat's off to Choice Home Warranty and to Premier HVAC for on overall splendid service experience. Thanks Very Much, Charles McLane Verification Code: 300345

amjadsy
9/27/2019
I am disappointed in the fact that Choice will not cover my A/C unit which is part of the normal wear and tear. I have reached out to my attorney and provided him with the contract as well as a statement from the A/C technician. I am hoping to have this resolved before the end of the day. I will take the matter with the attorney next week if we haven't reached an amicable solution.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear your frustration. Please contact us directly at 1.888.531.5403 for further assistance.
D
Dorothea D
9/27/2019
Choice got in touch with the service the same day ,and the repair was made the next day. I told the tech I had to go to work soon, so he made the repair in record time

B
Brad C
9/27/2019
I gave them 5 stars only because of the last two experiences which were very good. I Have used my warranty now 4 times. First time was on a dishwasher where the motherboard died. They determined it was more costly to repair it so they offered me $199. This was not enough so after several conversations they raised their offer to $299, which I accepted. This first experience was 3 stars at best. The second claim was our former refrigerator. The freezer stopped freezing. Took forever to get a tech out and we lost some groceries in the process. First repair lasted about a week. And it went down again. This time we decided to buy a new refrigerator. Claim three was our washing machine... Read More

Loretta L
9/27/2019
My issue was taken care of and put into action within 24 hours. That is great service!

P
Patricia E
9/27/2019
I had original signed up with Choice Home Warranty, but the same day changed my mind. They had already billed my account. I spoke to three people, 2 times was disconnected. The third person gave me a very difficult time when I requested cancellation of my policy. Repeatedly asked me why I wanted to cancel. I repeated multiple times that I just wanted to cancel and he continued to refuse my request. I informed him his behavior was very poor customer service. This went on for about 10 frustrating minutes and after demanding that my policy be cancelled, the man responded that my policy is cancelled and my payment would be refunded in 30 days. I would never want to deal with this company again.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Choice Home Warranty makes every effort to enhance the customer experience, therefore, we appreciate your feedback.
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