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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,204 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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11204 Customer Comments & Reviews

Loading Reviews ...
Karen W
10/11/2018
They were very helpful when I called with the problem. They said it could be 24 hrs for someone to call with appointment but it only took about an hour and they were the next day. Thank you you your prompt response.

David T
10/10/2018
Far too many exclusions in the fine print. I had about a dozen claims on four properties over a year and only had 2 of them covered.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback Mr. Toogood. Please send your policy and claim number to respond@choicehomewarranty.com for further assistance. In the subject, please state "Consumer Advocate Reviewer" CHW
Marialana H
10/10/2018
the repair went fine , the job took 15 min. everything work fine.great job thanks

Jennifer B
10/10/2018
Choice Home Warranty has been slow to respond and did not cover our refrigerator, as promised. They did not have a service provider in our area and only offered $387 to replace our refrigerator (which ended up costing us $1,800 out-of-pocket.) Their customer service department personnel are not helpful and downright rude. I was told to take it through the New Jersey Consumer Advocate Department, and I never got a response from my written letter. I DO NOT RECOMMEND CHOICE HOME WARRANTY!

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback Jennifer. Please send your policy and claim number to respond@choicehomewarranty.com for further assistance. In the subject, please state "Consumer Advocate Reviewer" CHW
Sarah H
10/10/2018
Debbie came to look at the toilet, snakes it, and figured out something was in pipes. Called her supervisor to get the play for extracting the toilet, they said yes, so she did. Worked on the whole job for hours and fixed it. She was very polite and sweet, which showed she loves her job. Thanks debbie and choice!

H
Harold m
10/10/2018
Very good service well grouped thus far will see how good they are when somthing goes wrong but for the last year they were able to make it wright when a problem arose

B
Bonnie
10/10/2018
The positive! Speedy response! Negative!! My decision to accept a cash offer was not made clear. I saw no other option so I assumed it was the only option. I felt frustrated and deceived. My policy said I would receive replacement value if appliance was not able to be fixed. The replacement value offered was half of the value of my appliance. Very disappointed.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback Bonnie. Please send your policy and claim number to respond@choicehomewarranty.com for further assistance. In the subject, please state "Consumer Advocate Reviewer" CHW
S
Sandra g
10/10/2018
I think the person was really nice and helpful & he took care of the problem for me I hope too be use him again in the future if need too and thank for be be quick in sending someone I was so glad I didn't have too dependencies some one came thanks again Mrs Sandra Glass.

L
loretta
10/10/2018
from wednesday to tuesday it took that long to reach someone to replace our range, yes, tech. did put in that the part for the range could not be replaced or ordered but, CHW did not want to replace what retailers today sell a range. finally, after a week we had to settle for the offer that CHW would pay which did not cover the entire price of the range!! very unhappy with the outcome.

R
Rey M
10/10/2018
Technician came on time and fix aircontioner with professionalism, I'm very satisfied.

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