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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,244 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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11244 Customer Comments & Reviews

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M
Mary S
4/23/2019
Over the last two years that we have carried home warranty coverage with Choice we have had four systems repaired under our coverage. With each occurrence I entered a claim online and received responses that a technician had been assigned within a day. The technicians service was scheduled shortly thereafter and set within a few days time. Each technician was efficient, pleasant, and capable. I will definitely continue my coverage through Choice for my home!

Kathy W
4/23/2019
you offer a warranty but make it very difficult to make a claim. I have had other home warranties but have never gone through the nightmare I have gone through with your company. Choice is not a recommendation I would make to others. This is unfortunate for me. I will make sure my realtor know my experience so she can share with new clients.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to provide the best customer experience, therefore, we regret to hear that you had a less than satisfactory experience with us. For your convenience, you can also place a claim as well as check on the status of your claim online at the account center at https://www.choicehomewarranty.com/account-center/?logout. CHW
Katherine P
4/23/2019
This is my first claim since I bought this warranty service over a year ago. I was skeptical when bought it to be honest with you. The claim was easy and fast. Got the appointment right away. Smooth beyond my expectations. Thank you.

A
Amein B
4/23/2019
The technicians were professional and skillful, the work was not completed, they did not change the shut off valve on the toilet,

kevin t
4/21/2019
My 2 year experience with Choice has been nothing short of stellar, especially recently when I had emergencies with my Air conditioner and plumbing the techs dispatched handled my issues with precision and expertise. I recommend investing protection on any home but due to my experience with Choice Home Warranty I endorse and recommend 100%

S
Sam
4/21/2019
First experience was simple and straightforward. Called for rekey service and received info for contractor the same hour. Contractor followed up and was prompt for appointment. House rekeyed and all questions answered in less than an hour. Convenient card payment and receipt immediately provided.

J
James V
4/21/2019
Got this service for a new condo I purchased and after 40 days the Air conditioner acted up. I reached out to have a technician look at the unit and it was a simple fix. I was very pleased with the ease of communicating and getting a fast response to this issue.

B
Bob R
4/20/2019
The claim center should be open on the weekends so that the technician can get an ok to finish the job. I still have a fridg not working. And could not get help today.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Thank you for your feedback Bob. Our claim center is open M-F, 8:30am - 7:30pm EST, Sat-Sun 9am-5pm EST. For your convenience, you can also place a claim online at www.choicehomewarranty.com. CHW
A
Atia
4/20/2019
CHW responded timely when the claim was submitted online but after trying for 6 months have yet to get anyone one the phone. Also non of my claims have been corrected in one visit. However the technicians are very professional.

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.
Ana Y
4/20/2019
Two of our sinks were clogged and we also had a leak in the laundry room. The technician was punctual, respectful and explained to me everything that he would be doing. He left the work area clean and was done quickly. I was very happy with the service.

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