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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,200 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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11200 Customer Comments & Reviews

Loading Reviews ...
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Sharyn
9/27/2018
Anytime Home Service replaced my garbage disposal and will return to install a new ht water heater. The young men were very polite and answered my questions with a smile. I am looking forward to working with them when they return to replace the hot water heater. Great company

M
Mike S
9/27/2018
Referring to claim #70290855 Loud Refrigerator Noise I had my tech submit a claim to replace both faulty fans for $1600. Without any discussion I was awarded $408 and the claim was closed. I called and was told that there was nothing that could be done. Your tech rates are that much better. I am extremely disappointed with the amount awarded and the way the whole thing was handled. I also do not like having to wait months for what you are sending me as I have to get this fixed and will be out of pocket $1600. This is not the service I was expecting when I signed up for your Warranty.

Chris S
9/27/2018
I was so happy to have my new water heater installed. The installers were amazing and was glad that Choice could arrange for the installation to happen in such a speedy amount of time.

Peter C
9/26/2018
The company you appointed-Roberts who completed the job on time and with very professional way, thank you very much !!

A
Alfre2001
9/26/2018
They did not want to cover the sensor of my washing machine.it tooke some many calls for them to take accept the claim.

D
Doug k
9/26/2018
I’ve had a couple issues I was not happy about but to be truthful if I read the contract I would have know ...my fault they took the time to explain my plan in detail so I joined up for another year fair is fair

Michelle T
9/26/2018
Quick response time regarding our call for a problem with our AC unit. The technician from Bee & Bee Heating & Repair provided excellent customer service & had our AC running the same day as the service call. Thanks so much!

S
Sonia
9/26/2018
I have an AC issue that has not been fixed for a week now and was just informed today that a clogged drain line is not covered.

Wanda J
9/26/2018
I came to Choice because it advertised as an honest reliable company I was with another company and after paying my monthly fee for about 9 moths when a problem came up they treated me like a nobody not a committed customer so after searching I found Choice first I was told about discount and 1 month free it wasn’t like I thought so I let that go after finding out your free month is at the end of year contract my washer started acting up and I called had to wait 7 days for a vendor who missed first appt due to not stating to wait for a phone call so I waited from 3-730 before calling to find out if they were still coming Communication is key inevery situation Ead told after he finally... Read More

C
Carolyn R
9/26/2018
I submitted a claim on a non cooling central air conditioning system Saturday September 22, 2018 . Smith Mechanical called almost immediately and set an appointment for Monday September 24, 2018 for 11am to 3pm. The tech Brian called and confirmed when he was on his way. He was on time, very courteous and identified the problem (a bad capacitor) replaced it and it is cooling properly. Could not ask for more. Service beyond my expectations. Thanks Carolyn Rogers

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