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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,233 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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11233 Customer Comments & Reviews

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Phil G
2/19/2019
Choice home warranty worked hard and fast on getting my flooding problem dealt with. They never gave up on trying to get a technician to my house to unclog the main line I felt secure that they were working to get my problem fixed and it did get fixed promptly! Thank you!

M
Michael R
2/19/2019
It only took 1 day for the service to be performed after the problem was reported to Choice Home Warranty. Garage door serviceman diagnosed the motor quickly and accurately to repair the worn plastic gear. The garage door motor is working well now. THANKS.

J
Jan
2/19/2019
The customer service rep. "Ray" was very helpful in answering all of our questions. I realize they probably work on commission and that is why he pushed so hard to get me into the 3 year plan which is understandable and yes, it would have saved me money in the long run. I am happy with the 1 year plan covering all of our appliances and poo, equipment and got a 13 month for free. I will recommend your company to all of my friends and family in the future. Thanks again

Michael C
2/19/2019
So far I am extremely impressed. Prices are amazing and Chris Walker was funny and friendly

Clare E
2/19/2019
I love the service I received from Choice Home Warranty. My air conditioning stopped work the unit would not come on period for air conditioner or heat I thought the air conditioner was broke or the thermostat was not working correctly because it said it was on but when you looked at the book on it. It said to push another mode button and it would say it was off. I called choice home warranty and they had some one here before 24 hours. They fixed it right away. They sent Bennett and sons out and he looks at air handler and thermostat. He found a wire in thermostat was touching anther wire and causing the air conditioner breakers to blow a fuse. The tech was very good fixed thermast and... Read More

R
Robert D
2/19/2019
We have been with CHW for a long time now and we have to say that when something went boom they were there and did everything in there power to fix it . And it could not be fixed they replaced it . at one point we had a falling out and we left CHW thinking there was something better but Boy were we wrong and came running back and happy to be there....Thank You CHW were so happy to be back and would recommend them too all.....

Razi K
2/19/2019
Yes I called CHW and they were helpful, and still helping me to figure out the problem. Thank you

J
Jack
2/19/2019
We recently had problem with Garage Door Opener and Choice Home Warranty assigned Monsour's King Garage Door to our claim. Through the automated system, we were assigned a service call 6 days out and I called Angela at Monsour's and she said if we were flexible, they would be there TODAY (on a Sunday)!!! Even through the snow and ice, Angela and Jimal did make it, assessed the problem and recommended to Choice that the door opener be replaced. The replacement was approved on Monday and Angela and Jimal returned Monday evening to complete the install!!! The service and attitude from the Monsour team from my first call (which could have gone bad since my appointment was 6 days out) was world... Read More

Bruce M
2/18/2019
From the time I called in my first claim to until the appliance tech left my house everthing ran smooth as silk. The claims folks are awesome and work out all the details with ease. The appliance tech was prompt, knowledgeable and efficient. Bravo!

R
Rodger S
2/18/2019
Joshua was very helpful. My only concern was giving my credit card info over the web, but he allayed my fears. I've saving some money each month and getting other items covered than what I got from my previous home warranty firm.

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