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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,117 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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11117 Customer Comments & Reviews

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Linda M
3/27/2017
I have been having problems with my sinks draining, so I set up an appointment through Choice Home Warranty (the first time I have used my warranty). The appointment process was quick and easy and I had a plumber in my home the next day. The plumber was on time and professional and fixed the problem, so now all of my drains are working properly! I would highly recommend Choice as your home warranty!


Lynn L
3/26/2017
The technician was informed and fixed problem fast. Choice home warranty was helpful in my problem. Thank you.


S
Sara
3/25/2017
I had two homes and 2 warranties, the list is two long for this little space, but stay away from this company. I used their HVAC service person to have the bi-annual service work done in order to be in compliance (you have to have your HVAC serviced twice a year or they will NOT cover a repair). Even after doing that they still denied a claim because Choices repair person did not list the model number of the repair on the invoice. When I told them it was their service provider they did nothing to help get them to include the model number, so they denied the claim. Last claim was to have the manifold repaired on my pool, they never fixed the manifold and waited for my warranty to expire and... Read More


Kathleen M
3/25/2017
Chris from CJ's was prompt, honest, courteous and thorough. Could not have had any better service!


Denice J
3/23/2017
My tub was stopped up, the service man came out and had it flowing within a few minutes. He was very knowledgeable and pleasant.


D
Doris S
3/22/2017
The repair man was prompt , clean, and very helpful. He did a very good job. He showed me what had happened to the dishwasher and gave me good advice on how to prevent any problems with it in the future. My husband was home and was very impressed with Brian. We are very happy that we bought the home warranty and that you recommended this repairman. Thank-you very much.


T
Tammie
3/22/2017
I was able to submit my claim on line on the weekend. The process was very easy. I had a quick reply with the contractor information, and my appliance was repaired within 2 days. Very easy and fast.


M
Mary
3/22/2017
Never had a chance to even experience being a customer because they were so ignorant while trying to sell me a warranty...I asked him to call me during my break. I wanted to look quote that they sent me. He was annoyed by our 2 minute conversation because I told him I had some comparisons I would like to do. If you are a good company you are not afraid for a person to compare. His Supervisor just dismissive. Guess it just narrows down my search. Glad they showed themselves now!


Faye S
3/22/2017
Although I had to wait for a part to be ordered, I felt they were expedient, courteous and professional.


G
Glenn R
3/22/2017
The repairman was extremely knowledgeable, knew the system, diagnosed the problem and repaired it! All this took about 30 minutes and he even explained to me what the problem was! Very professional and very courteous. I would certainly recommend this service and am certainly glad Choice chose someone so reliable to make the repair!



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