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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,205 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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11205 Customer Comments & Reviews

Loading Reviews ...
S
Sondra r
10/25/2018
This is the worst warranty company I have had in 35 yrs of using home warranty companies. DONT PURCHASE...BIG MISTAKE. 6 claims in 2 yrs. 0 coverage. Every excuse in the book of why they can't fix, wont fix or don't have parts. blah blah blah. Plumber said it was electrical problem 45.00 spent, electrician said it was plumber or roofer problem 45.00 spent. this happened 3 times. Roofer said it was plumber problem 45.00 spent. This happened over and over again without any help by HOME CHOICE Customer Service Dept.. Now AC not blowing cold....we don't cover testing for Freon leak....162.50 spent....we don't cover Freon.....350.00 spent....we don't cover if Freon keeps leaking... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration Sondra. Our consumer advocate has reached out to you to further assist.
J
Julie V
10/25/2018
The employee was very patient and thorough in explaining your product. When I couldn’t speak anymore because I did not have time we scheduled a time to call me back the following day, which he did and a punctual manner. He was very patient, zero and most importantly nice.

T
Theresa V
10/25/2018
I received service yesterday from Mikey Spin Dry LLC. They were very kind and friendly and did a quick and great job on my dryer. I'm very happy.

L
lorimquill
10/25/2018
When I called about buying the warranty, I was given a price and term. Agent tried every way he could to get me to upgrade. When I got my confirmation email, I was overcharged and shorted on the term of the policy. Called and spent a lot of time on the phone to get it fixed. Replacement confirmation fixed the price but when I looked through the contract itself, the term was not fixed. Look through your contract and verify you are getting what you are paying for!

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback Lori. Please be advised that we have resolved your matter. For any further questions or concerns, contact us at 1.888.531.5403. CHW
Ken W
10/25/2018
Complaint was handled quickly. Plumber was great and professional. I would recommend this plumbing company to others.

Betty C
10/24/2018
On time, courteous, competent. I will call them again if I need them.

Debbie S
10/24/2018
Shawn Monroe could not have been more knowledgeable or easier to work with. He explained everything in terms that I understood and helped me save money over the course of my policy. I will definitely recommend him and Choice Home Warranty. I feel that I best selection in protecting my home in choosing Choice Home Warranty.

Carlos S
10/24/2018
I highly recommend Choice Home Warranty. I had to use them three times this year and each time the service work was completed without any hassle and in a timely manner. Very glad I purchased the warranty!

Aaron H
10/24/2018
appreciate the service thanks . was able to fixes on one visit. Again thank you

Coby M
10/24/2018
I have had my dishwasher serviced THREE times in the past THREE months. After spending well over $700 on repairs(choice paying sears to repair it) after the technician told choice it needed to be replaced...Choice finally decided on the THIRD visit to replace it but only offered me $179 for it. I declined the offer and was contacted by a case manager who then upped the offer to $379. It is a top of the line stainless Frigidaire dishwasher. I couldn’t come close to replacing it for $379. The case manager told me that choice doesn’t replace comparable colors or brands? What? So I pretty much had a BMW and they are trying to give me a KIA. This is ridiculous!! When my warranty expires I will... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration. Please send your policy/claim number to respond@choicehomewarranty.com for further assistance. In the subject line, please state "CA Reviewer; Attn: C. Blue" CHW
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