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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,368 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.

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
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

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11368 Customer Comments & Reviews

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suehaskins91
7/29/2018
Did a great job lining up a contractor,setting up an appointment and getting back with me in a timely manor, contractor contacted me when he was on his way, was very pleasent


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Neal D
7/28/2018
Poor customer service, They are train to beat you out of your hard earned money. They sent two technicians out, both reported two different things. I went out hired LG to fix my refrigerator and they want cover the labor. Only wanted to cover partial labor. I will let all my friends in the community to stay away. You buy Insurance to cover your home and this company steals that away by providing partials needs. I am a dissatisfied customer. Will look into a better home Insurance company. This app will not let you select 1 star but not sure it's a star.


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Debbie H
7/28/2018
After calling in and setting a claim, I was contacted by a plumber who provided an appointment to come out on a Wednesday morning. I contacted him to tell him I had a senior in the home and needed service sooner if possible. He agreed to come on Tuesday evening by 4. No phone call or anything. On Wednesday he again was a no call no show. Keep in mind I had no tub due to water backing up and over flowing toilets. After many attempts to reach out to him I called Choice for help and was told that a service provider was not responding and to find my own and be reinvested. Finally on Friday I was able to get a plumber to the house, but they had to wait for authorization to start work.(2... Read More


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Walden R
7/28/2018
Making the claim for my faulty sump Pump was easily and quickly done. The schedule of the technician was done almost immediately, as well as the arrival of the repairman. The repairman quickly identified the problem and resolved it in a timely manner. I am totally satisfied with CHOICE Warranty program.


L
Linda
7/28/2018
The repair company assigned to my claim, H&K, arrived as scheduled.. They found two separate issues and resolved them both - one potentially could have caused a fire if not resolved properly. The repairmen were polite, efficient, and left things in order. GREAT JOB!


F
Francine C
7/28/2018
It was a great and quick experience! I will definitely recommend this company...


E
Elizabeth T
7/28/2018
Do not recommend choice to anyone... does not cover anything... I’m still waiting for a check that was given to me at a good gesture because they did not paid for my air conditioner.a couple of months ago.. .. did not get my dishwasher fixed either I had to replaced at my own expense as well my garage door.. they did not cover the spring from the garage door.. very disappointed with the service that the provide


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David D
7/28/2018
In regards to my last service call, I never recieved a call nor services to rectify my AC problem. Due to the extreme heat in Louisiana, I sought out a repairman personally and had the AC problem. Since being with CHOICE HOME WARRANTY, this type of lack response, issue with contractors providing timely service, payment for contrator service, etc. is a norm. The overall rating for the services received since I became a policy holder is POOR.


Robert B
7/28/2018
It was a hot day in AZ. I didn't think they would be able to find someone, but they did. They sent a great vendor! ALLstate Air & Heating did a great job! Thanks


M
mickey
7/28/2018
Technician was due between 11AM and 3PM. Did not show up until 6PM. I called plumbing company at 3:30PM, since there was no word from them. They thought it was between 11AM and 4PM...poor coordination between Choice and plumbing company. Technicians diagnosed problem and replaced disposal. Nice, polite team, and they cleaned up. So, good and bad about the whole experience.



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