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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,256 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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11256 Customer Comments & Reviews

Loading Reviews ...
cglombik
7/23/2019
Received appointment 2 hours after submitting request online. Technician arrived early next morning to repair the dryer. From initial request to repaired dryer was less than 18 hours.... wow! Best home warranty company yet, and I’ve had a few over the past 20 years. Fast, efficient, and affordable with super customer service! Highly recommended here.

G
gvail51
7/21/2019
Run Run - Do NOT waste your money and time with the company. Their sales people are excellent, HOWEVER, they will NOT pay your claims. Of if the do offer a $250 courtesy payment it will be hundreds and thousand below of what should have been paid. This company is a FRAUD. Read the BBB report - shocked, wish I had done so before I paid for 2 Home warranties. The attorney general needs to investigate this company. They will charge you to cancel the policies also!!

M
Mercedes D  
Official Response

Consumer Advocate of Choice Home Warranty
We are committed to providing a positive customer experience and we take all feedback very seriously. Choice Home Warranty provides home warranty service coverage on the systems and appliances listed as ‘INCLUDED’ under the terms of the User Agreement sent to you at purchase. It may also be found on www.choicehomewarranty.com/user-agreement/.com Please email respond@choicehomewarranty.com in the subject line: “Consumer Advocate Reviewer”. Please enclose your full name, specific claim and policy number (s) as we would like to review your account and address your concerns. Regards, Choice Home Warranty
R
Ross V
7/20/2019
Well, I just paid to become a CHW customer and I am hoping the start of the contract will begin soon. I have used two other home warranty companies over the past two years and expect better performance and coverage with CHW. Agent Adrian Saunders was very helpful and followed through with me. He was knowledgeable of the CHW plans and convinced me to switch.

Christopher J
7/20/2019
I was a skeptical about buying a home warranty. I’ve never done this before. So I gambled and what an eye opener. Choice Home Warranty’s has been their when ever I needed them. It probably my best decision I’ve made in a long time.

P
P H
7/20/2019
They were very fast and efficient coming to assess what is wrong with my washer. The new part was approved within 24 hours. Now just waiting for the part to arrive and for the technician to install

B
Barbara B
7/20/2019
Julio was very professional. Issue was resolved within the hour and I was thrilled with the service! I was worried about my first interaction with Choice Home Warranty. But this was exceptional! So glad I bought the service!

C
Carol A
7/19/2019
I tried to rate 3 stars, but 3 1/2 was as low as it would allow me to go. The rep I spoke with was very nice, but a little too high pressure and gave in without checking reviews as I should have. At first I told her I wanted to do that first, but she talked me in to signing up then. That should have been a red flag. Afterwards I looked at reviews outside your website and they were awful. I’m now sure that’s why she rushed me into a decision...I hope I’m wrong. Also, as friendly as she was in the beginning, once I gave her my card info I felt she was rushing me off the phone although I still had questions. I feeling worried about my decision, but at least I’m not in a contract... Read More

M
Mercedes D  
Official Response

Consumer Advocate of Choice Home Warranty
We thank you for joining our family and appreciate your feedback. In regards of your concerns with our Sales Representatives we have forwarded your comment to the Director of Sales in efforts to promote our highest-level practices and quality assurance among our representatives. We are committed to providing a positive customer experience and we take all feedback very seriously. Choice Home Warranty provides home warranty service coverage on the systems and appliances listed as ‘INCLUDED’ under the terms of the User Agreement sent to you at purchase. It may also be found on www.choicehomewarranty.com/user-agreement/.com Regards, CHW
B
Brenda J
7/19/2019
Received a call after inputting details to get a free quote. The gentleman was very knowledgeable and very informative regarding the concerns I had.

R
Richadr W
7/19/2019
Was quick and great service man, but could not fix my air duct. was nothing he could do. over all Choice was great

H
Hubert M
7/18/2019
All of the work and service that Choice Home Warranty’s work that they have helped and done for me has been great and I have no regrets about getting this warranty plan from them. I would have no problem with recommending this to anyone including my family and friends!đŸ€’

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