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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,210 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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11210 Customer Comments & Reviews

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Edward
11/6/2018
I WAS VERY DISAPPOINTED ON A PHONE CALL I HAD EARLIER TODAY, BUT RECEIVED A CALL FROM MYLES REUBEN AND WE TALKED AND HE SAID THAT HE WAS DISAPPOINTED IN THE "MANAGER" I SPOKE WITH EARLIER AND THAT IS NOT HOW THE COMPANY WORKS. SO I DID GET A PLAN WITH YOU PEOPLE BECAUSE MR. REUBEN WAS HELPFUL.

M
Mahesh A
11/6/2018
We had a very pleasant experience in our sign up with Choice Home Warranty. Thanks to the excellent service provided by Tony Calenda. He really worked out a perfect plan for us and was very co-operative with our questions and needs. Also, he provided a very professional service. We look forward to working with Choice Home Warranty.

R
raj
11/6/2018
I am not sure who you are talking to. Look at Yelp reviews. I have used this company for last four years and have had really bad experience. I have called for AC repairs and none of my 3 ACs after any kind of breakage is covered for anything. Any cost more than minimal $ 200 they will reject. I will not recommend choice home warranty to any one. Not even to a person I don't like.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Raj, We regret to hear your frustration. Please send your policy/claim number to respond@choicehomewarranty.com for further assistance. In the subject line please advise "Consumer Advocate Reviewer" CHW
Jay C
11/6/2018
Got someone out to look at hot water in a very timely fashion. Now choice wants to wait on parts so we have been without hot water for 5 days so far in November and doesn’t look like we will have hot water anytime soon cause we have to wait on parts. Try taking a shower in November with no hot water

J
jp
11/6/2018
great easy to work with covered my furnace repair in a timely manner JP

Andrew W
11/6/2018
With out a doubt the worst company I ever work with. They are clues on how to care for customers. Fail to provide services that you pay for. Send techs with no tools to repair a job and then tell you it will be 5 days before they can fix anything. Their contract not worth the ink it’s printed on. They are a scam to take your money and never take care of you. Warning to ALL stay away!!! They are worthless

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration. Please send your policy/claim number for further assistance to respond@choicehomewarranty.com. In the subject line, please advise "Consumer Advocate Reviewer."
Deena C
11/6/2018
NO RATING, THIS COMPANY IS NOT VERY GOOD AND DOES NOT COVER THE ITEMS IT SAYS THAT IT WILL. The people that they subcontract with are great, It's Choice Home Warranty that stinks.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration. Please send your policy/claim number for further assistance to respond@choicehomewarranty.com. In the subject line, please advise "Consumer Advocate Reviewer."
Helen U
11/6/2018
I submitted a claim back in Oct 16. Today is Nov 16 still no resolution . My heater is not working.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Ms. Uriostegui, We regret to hear your dissatisfaction. Please be advised that we have assigned a new technician for you. Please visit the account center or check your email for details about your appointment. There will be no service call fee due for this appointment; CHW
Jerry S
11/6/2018
On time, very knowledgeable, great service!!when he called me as to when he will be at my house it was perfect. Cleaned up very nice.

Jelani M
11/5/2018
I can honestly say that this was a mistake and one I immediately want cancelled, I took a moment to look at your website yesterday as I was interested in a new warranty service. however after going to your site, I started receiving one call after another from your salespeople. Who were telling me, they could get me a better deal than online. While talking to one, while I was online looking at the offer, and articles from the bbb about the company. I hit what I thought would be a preview of what the actual cost would be for a plan for my house. Instead of sending me a preview, it charged my card and sent me a policy #. I immediately tried to call in several times to cancel and was... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration. Please be advised that your refund is currently processing. CHW
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