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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,407 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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11407 Customer Comments & Reviews

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William M
3/16/2021
I got a scheduling notification within a couple hours of submitting my claim. It was for the next day, which I thought was great. The local technicians (at Below Zero) called me and said they could be at my house within 15 minutes if I was available. Thankfully I was. They were right on time. Quickly diagnosed the problem. Fixed it. And I had cool air flowing again - all within one hour. I couldn't be happier with my experience. Note: A previous AC issue with American Home Warranty took multiple visits and many hours to get it right. So that experience was my baseline for what to expect. CHOICE far exceeded that expectation.

barbsfar2
3/15/2021
Stan Kash came out to evaluate our plumbing problem. Stan was the best and honest. The problem was outside of our HW coverage. Stan went overboard and tried to give us a small break before the major issue got worse. We made it thru the wkend and I am now trying to get everything in place for what the major problem is, thanks to Stan's guidance.. Stan is also filing a grout shower/floor issue. All I can say is this man, Stan Kash , is honest and reliable to tell you exactly what is going on. He is very experienced in plumbing issues and accessing the problems. You can trust his word and honesty!!

S
Sandra W
3/15/2021
This was my first claim filed since becoming a member of Choice. My experience with customer service and the FIRST TWO of the THREE technicians sent to repair my refrigerator was AWFUL!!! It took two months and two service call fees (2nd fee not refunded) to make what turned out to be a simple repair. The first repairman made our refrigerator function WORSE than before the attempted repair. When the 1st technician was asked to return to reassess the problem, he refused and said we had to submit a new request through Choice! The 2nd technician needed more time to assess the problem so Choice cancelled his contract! Finally, after making several calls, repeating the problems, my calls... Read More

A
Annette B
3/15/2021
Phil is the best. He’s professional, kind, patient and explains all details very well.

J
Jo m
3/15/2021
Anthony was personable .. knowledgeable..well informed ..well organized and extremely pleasant to talk with .... He was outstanding with product knowledge and customer needs. I hope having this policy will be as rewarding as my experience with the sales rep. He was the best ever. I look forward to a long term relation with your company ... Anthony convinced me you are top notch. Insurance is something g we never want to use but if the need arises we want the best and he convinced me you would be. I look forward to receiving the policy in the mail.

mrsblackcherry
3/15/2021
Wayne was very helpful and knowledgeable. This has given me a peace of mind, glad I enroll with choice.

suzic804
3/15/2021
I made a claim online on Friday afternoon. The repair company was here on Monday morning to fix my dryer. I knew Choice Home Warranty was good but I never expected service THIS GOOD!!! Thank you!

rockets.tp
3/13/2021
Technician was great. He recommended the dishwasher be replaced and Choice Home Warranty denied his recommendation. Why pay monthly for a warranty and pay the service charge for the technician only to have a warranty company not follow what their technician recommended. Wow wha a worthless company.

Theresa R
3/13/2021
I was referred to Choice. The representative was very nice. I asked for the policy number to be emailed to me. What I received was this survey?

B
Brends s
3/13/2021
Quick response to my call today. I have an appointment for repair on Monday.

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