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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,256 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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11256 Customer Comments & Reviews

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krvrags
8/12/2019
Choice Home Warranty is a sham Triumphant at cheating their customers. Please don't fall victims to the false and insincere information about HVAC coverage that Choice home warranty displays on their webpage. Our AC unit failed and choice warranty made up stories of a possible power surge to deny our claim even after 3 different technicians clearly stated the cause of AC failure was a grounded compressor which could be because of weather or manufacturing defect or even just spontaneous failure. And yet Choice home warranty just stuck to this made up story so as to use it as a clause for claim denial. They also will just avoid picking your calls once a claim adjuster has been assigned for... Read More

csilvacr339
8/12/2019
Have been with Choice Home Warranty for almost a year, and have always been pleased with the companies that are associated with them, however, my last experience was exceptional! I had called on Saturday afternoon with an issue with our AC unit. We had an appointment set for Monday morning with Bri-Tech Heating & Cooling. On Sunday morning, I received a call from Bri-Tech, saying that they could come out if I was available, rather than waiting until Monday! That was OUTSTANDING customer service by Bri- Tech for being so caring of a customers needs, and of Choice Home Warranty for selecting such reputable companies like Bri-Tech, to be associated with.

ahujavineet1977
8/11/2019
I had my Air Conditioning not working and i got the Technicians came and serviced in 24 Hours. It was a great experience !!!

Patty S
8/11/2019
CHW responded quickly and had Jas appliance at my house within a few days and they did an excellent job. I thought my broiler wasn't working but it worked fine when he was checked it out so I must have done something wrong. I had a burner on my stove top that wasn't lighting and he cleaned up The sparker and then it worked fine. Ras appliance was an excellent choice they were very professional and answered all my questions, they did a great job.

Tapan B
8/10/2019
I was with your company for three years. Anytime I claim for any issue, your company always send a technician. Technician will come to our home, check the problem, then he will go out of the house, talk to someone from your company and come back and say, the issue are not covered with the warranty. They chare me $45.00 and go. Last issue was about my kitchen faucet. In my home most my appliances are fairly new. I never use old appliances and took advantage of the home warranty. Then, I have go back and forth and fight with Customer Service and resolve the problem. 50% of the issues are covered by your company, rest are not. Thus, I do not continue my relation with your company. Thank you... Read More

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear your frustration Tapan. Please contact our Resolution Department at 1.888.531.5403.
J
J S
8/10/2019
Excellent response regarding my pool pump (it totally quit) - Choice referred my problem immediately to qualified technician - he was here 1 day sooner than promised. Great job replacing my pool pump! Thanks, Choice Home Warranty!

G
Gabriel C
8/10/2019
Great customer service, fast and friendly results. No hassles, no waiting, online submission of problems is easy, scheduling of repairs is quick. Thank you so much.

Peter V
8/10/2019
High pressure sales, makes promises about waved wait period and then when you call back they hang up. Called daily to sign up, then when asked about promises they hang up. If something fails you have to prove it was working first.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to enhance the customer sales experience, therefore, we appreciate your feedback.
G
g a
8/9/2019
took 6 days for an appt. too long, need to shorten time frame

m.asifanwar1982
8/9/2019
Awesome service, on time and fixed the issue . All what I paid was co pay

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