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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 ...
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ROBERT A
10/9/2018
Our home plumbing system was taken care of earlier than WE expected ! We live in a very rural area. Choice Home Warranty did a great job in finding an excellent plumbing service ! Edwards Home IMPROVEMENT ! They did a wonderful job, servicing our need ! And they were able to do the repairs even earlier than originally scheduled, preventing futher damage. Thanks to both CHW, and Edwards Home Improvement for a job well done !

R
ROBERT A
10/9/2018
Our home plumbing system was taken care of earlier than WE expected ! We live in a very rural area. Choice Home Warranty did a great job in finding an excellent plumbing service ! Edwards Home IMPROVEMENT ! They did a wonderful job, servicing our need ! And they were able to do the repairs even earlier than originally scheduled, preventing futher damage. Thanks to both CHW, and Edwards Home Improvement for a job well done !

R
Richard R
10/9/2018
Service was great they have well qualified tech support, that were able to troubleshoot the problem and fix it.

R
Ricardo R
10/9/2018
The technician was polite, responded my questions and right on time. Issue was resolved ASAP.

G
Gabrielle B
10/8/2018
We had to replace our HVAC, so we called Choice to file a claim since this is supposed to be a covered item. Choice denied the claim, said they would not cover it. Now, we have to replace our flue and damper system to make our fireplace safe to operate. Guess what? They don't cover that either. This product and company is a complete scam. They claim to have a B rating with the BBB. Not true. Try C-, which is generous. Don't waste your money.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback Ms. Bouknight. Our records show that HVAC claim was covered and paid out April of 2018. Please contact us at respond@choicehomewarranty.com for any further questions or concerns. CHW
Steve E
10/8/2018
After 2 months a customer,and one repair call,i find out my pressure regulator on my home heating system isn't covered.I can see why you have a b minus BBB rating,and your NOT a BBB member.I pray your company goes out of business,as I am sure it will.Your company is a disgrace.If I had the time,i would sue you for false advertising,but I am too busy to deal with you. I figure my 150 dollars was well spent to find out how much of a rip off you are before I made too many monthly payments.

K
Kathy W
10/8/2018
Choice Home Warranty company are simply con artists and liars to their customers!! They love to point out in the contract when something is in THEIR favor and they can get out of paying for something...BUT when it is in the customer's favor--they still get out of paying!! They opted to "replace" my oven instead of repair it, which is fine and they have the right to do. My contract states that they are obligated to "replace and install appliance with like item".. they offed me $900 and said that is all they are authorized to do. My replacement will be about $2,000. I told them no thanks to the cash offer--just simply replace it as contract states. They said they "do not have the... Read More

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
We regret to hear your frustration Kathy. For further assistance, please send your policy and claim number to respond@choicehomewarranty.com and add in the subject line: "Consumer Advocate Review". CHW
R
Ramon D
10/7/2018
After paying premiums for 1-1/2 years, I put in a claim for some dental work. I was told that I could have a look-see for $24, and I could have a cleaning for $54. Are you kidding me? Don’t enroll in this insurance for any reason, as they are nothing but liars and thieves. I see below that the block is checked stating that I have not received compensation for my comment, and that my opinions reflect my authentic experienced as a customer or customer. If I had, I would place that money toward a dental cleaning.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Mr. DeArmond, We regret to hear your frustration, however, Choice Home Warranty does not provide dental work. If you have any questions or concerns regarding your Choice Home Warranty policy, kindly contact us at 1.888.531.5403. Choice Home Warranty
Julio P
10/7/2018
Finish fixing my washer and oven and I will think about giving you CHW a review. ROY COME BACK I NEED YOU TO FINISH

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Dear Mr. Pla, We regret to hear your frustration. Our records show that your Case Manager has contacted you regarding your concerns. CHW
T
tom b
10/7/2018
Gregory Hartens(sp) lied to us on 9/17/18. He said he would make our Condo at 5900 #4 Patterson Ave, effective with Choice on 8/23/18, to coincide with our home 407 Harlan Circle, Richmond, VA. We paid $1100+ for a 42 month plan and we saw it was effective on 9/17/18, not on 8/23/18, as he promised. If you cannot keep this promise, please cancel the 42 month coverage on 5900 Patterson Ave and credit our card back the $1100+ you withdrew in September.

Choice W  
Official Response

Customer Advocate of Choice Home Warranty
Thank you for your feedback. Please contact our Buyer's Remorse Department for further assistance. 1-800-816-2059 Monday-Friday 9AM to 6PM EST
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