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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,207 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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11207 Customer Comments & Reviews

Loading Reviews ...
R
Raymond M
10/30/2018
Great company,quick response.I had a problem with my Washer,it needed a motor and it wasn’t cost effective for them to fix a 14 year old machine.They offered me $348 back towards a new one. 10 star company.

K
Kathy S
10/30/2018
We have used CHW services 4 times. The first time the technician showed up, worked for several hours, left the job unfinished and never returned. CHW closed the case without checking on its progress. The second time my husband took off work and no one showed for the appointment. The third time Jacob and Dan for A1 Garage came in a timely fashion and did a great job. The fourth time my husband cancelled a physical therapy appointment to be home and again no one showed up. CHW claims there were no appointments scheduled for the two no shows but we have emails from them that say otherwise. If we had the choice to buy the home warranty from CHW again ... WE WOULD NOT!!!

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback. Please send your policy and claim number to respond@choicehomewarranty.com for further assistance. CHW
C
Catherine M
10/30/2018
Very good service and great service man, patient and efficient Thank you Catherine Munkelwitz

M
Melissa H
10/29/2018
Very impressed with responsiveness to my request. Within an hour of claim regarding my garage door, the repair was scheduled was for the following day. 30 min. after that notice, the repair company contacted me to ask if I was available in the next hour so their technician could repair then due to opening in their schedule. My garage door was repaired within 2-1/2 hours of filing my claim. Because it was my first claim, I didn't pay a service fee! I have a 2-year Ultimate Plan. As a Realtor, I always recommend Choice to my clients. I work consistently w/Sharp Chen (AZ rep) and have learned the benefit of the Ultimate Plan for homeowners. I was able to purchase my personal policy after my... Read More

Sandra P
10/28/2018
I think it is rather crazy when a handle has broken off the faucet that the faucet cannot be bought and put on. Another trip and additional wait time, really?

Shofar T
10/28/2018
Great service by emergency plumbing, took care of the problems. Thanks so much!

E
Edward J
10/27/2018
I have found that Choice Home Warranty has so many exclusions and sub paragraphs in their contract that they are, in my humble opinion, one of the worst decisions that I have ever made to handle my home. When I tried to cancel the remainder of my contract about half of the way through because I realized that this was simply a company intent on denying claims (we have had three...all were initially denied, one was eventually paid out at the minimum amount for an appliance, costing us thousands). When I tried to cancel after being only halfway through the contract, they indicated to me that based upon the proration of the contract that after paying over $5000, halfway through the contract, I... Read More

E
Edward J
10/27/2018
I have found that Choice Home Warranty has so many exclusions and sub paragraphs in their contract that they are, in my humble opinion, one of the worst decisions that I have ever made to handle my home. When I tried to cancel the remainder of my contract about half of the way through because I realized that this was simply a company intent on denying claims (we have had three...all were initially denied, one was eventually paid out at the minimum amount for an appliance, costing us thousands). When I tried to cancel after being only halfway through the contract, they indicated to me that based upon the proration of the contract that after paying over $5000, halfway through the contract,... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We appreciate your feedback Mr. Schifman. We would like to further assist you. Please send concerns to respond@choicehomewarranty.com for further assistance. CHW
Gordon T
10/27/2018
Prompt response and maximum effort for customer satisfaction. Explained problem, solution, and suggestions for avoiding future problems.

C
chrys
10/27/2018
Your poor excuse of a company is so useless. I called about a problem with my refrigerator on the 18th of the month. 3 companies were assigned my case which none of them came out or followed up. Finally after we refused to be reassigned a week and half later, we were offer a messily $400 to get a new refrigerator. Clearly the price is more than $1000.00. My family includes 2 small children and we have been eating from a cooler for 2 weeks. I will be sure to go to social media and tell all my friends of this experience. I will also note this is my 2nd bad experience. Have I cancelled my policy yet? oh I plan to the day I get my check. you can count on it. please send me more surveys so I... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration and dissatisfaction. Please send your policy and claim number to respond@choicehomewarranty.com for further assistance.
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