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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,121 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 is Choice rated?

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

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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10121 Customer Comments & Reviews

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R
Ronald W
2/24/2017
It is the middle of February and my heating system stopped working, so I called CHW. I told the lady on the phone we had an emergency (no heat). She said she would whatever necessary to help! The next day we had a Heating and A/C company come to the house and repair our unit. I think that is as good as it gets from a warranty company. Thank you CHW. Ron Woisin Floresville, Texas


T
Tom
2/23/2017
Garbage disposal repair/replace. 1 day to complete notification and replace. Super job!!!! Very happy!!!


Inette R
2/23/2017
Had this company and I advise you that they do not have good service or coverage. My AC went out do to a leak. The tech they sent out looked at my ac and sent the paper work to Choice home and they denied it. I had to find another tech to come out and give a second opinion. I also had to call choice homes myself and have the tech speak to the authorization department to see if we could get it approved. The total amount to repair the leak and put refrigerant was $1300. Choice home only approved $120.00 for the tech to fix the leak and left me paying the rest out of pocket. When I called and asked them why are they not covering the whole thing they turned around and told me they're just... Read More


M
mdenson855
2/22/2017
Home Choice warrany sent a contractor that performed a dishonest service to my stove. The contractor lied about his work and broke the hinge on my DCS Fisher Paykal oven. Home Choice is in tge process of removing TUCKER Appliance as a vendor for dishonesty. Home Chouce takes wirk seriously with all contractors. They a are first class Warranty company that cares for the client with care that all work is 100 percent repaired with a Smile. There are not many Warranty companies that give the policy holder security like Home Choice Warranty.


A
adamggilman
2/22/2017
I am 50 years old and this is the first time I am complaining about a service purchased. I was assured by the Choice Home Warranty salesperson that they would be there for me when I needed repairs to my plumbing and electric as long as I paid the monthly fee. I purchased the plan two years ago and made every payment on time investing $840 for piece of mind with my plumbing and electric. I experienced my first plumbing problem after two years of making the timely payments and they required me to make a $45 payment to a repairman they sent. The repairman took my $45 check and left without fixing the problem. The repairman did not return to make the repair so they sent another repairman. The... Read More


B
butlerfr44
2/22/2017
I inherited this company due to the previous homeowners purchasing the policy and I have had nothing but TROUBLE and HORRIBLE SERVICE. I highly recommend that you DO NOT USE this company at all. They were not clear on how to submit a claim, thus leaving me paying for the full bill of approximately $800.00 for my furnace. I recently called due to some plumbing issues and they sent a plumber out (of which he charged me $60 and indicated that he would come back the next day. He did not come back the next day. Choice Warranty indicated that the $60 was for him to simply say "yes" you have an issue. I highly Recommend that you do NOT use this company


Kay V
2/21/2017
Great plan to have. I am getting my home repairs at a great price with the help of Choice Home Warranty.


D
Dick B
2/21/2017
We called the company and everything was taken care of timely. The service person was on time, knew what he was doing and let us know what would report to the company. The company contacted us letting us know what the results were, which were acceptable. Only question would be why it takes 30 days to receive our check? Some people might not be able to fix the problem until they receive the check. ( would be incoveinent)


B
Bart C
2/19/2017
Technician came out and diagnosed issue promptly. Problem is currently being resolved.


L
LYNN
2/19/2017
YOUR SERVICE WAS PROMPT YOUR TECH WAS KNOWLEDGEABLE AND EFFICIENT GLAD TO BE A MEMBER



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