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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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doctorofmedicine
7/25/2019
Watch out regarding air conditioning/ heat pump coverage! Their FINE PRINT says that corrosion that happens over the years, is NOT covered, just "normal wear and tear." Now, this may be the case with other companies also, I'm not sure.

Mercedes D  
Official Response

Consumer Advocate of Choice Home Warranty
We regret to hear that you were not satisfied with our policy for our policy is user friendly for consumer access which holds no fine print. We are committed to providing a positive customer experience and we take all feedback very seriously. Choice Home Warranty provides home warranty service coverage on the systems and appliances listed as ‘INCLUDED’ under the terms of the User Agreement sent to you at purchase. It may also be found on www.choicehomewarranty.com/user-agreement/.com If you have any further questions and concerns please contact us at 1-888-531-5403 Regards, Choice Home Warranty
siricarruth.sb
7/25/2019
I recommend Choice Home Warranty to any Active Duty Service Member that owns property. If you have an issue they work hard to expeditiously resolve it and ensure the contractors are held to a standard. Their resolution team is awesome!

Karen W
7/24/2019
I have always found Choice Home Warranty to be very cooperative. Always notifying experienced companies to take care of my requests. The Technicians are knowledgeable, always on time, very polite and neat. I highly recommend Choice Home Warranty for all your household checks and repairs.

Martha M
7/24/2019
The 1st. tech did not come the day he was suppose to. I think it was the 12th of July. I had to call him. He had truck problems. Said he could be at my house 1st. thing Sat. morning. Haha. Then it was set for Mon. the 15th. He didn't show then either. Called Choice home and asked for a different tech. They got Sears. A very nice lady came on the 17th. She ordered parts, but felt like the microwave needed to be pulled out, which she was unable to do by herself. She wasn't quite sure of the problem. New date set for 30th. so a man could come with her. Why not send a man in the 1st. place. So it will be about 3 weeks until I get my microwave fixed, if then. I'm not a happy... Read More

Mercedes D  
Official Response

Consumer Advocate of Choice Home Warranty
We thank you for your patience and apologize for any inconvenience. Based on your complaint we have forwarded your message to the Director of Vendor Relations to internally address the vendor so we can continue to promote our highest level of customer services.If you have any further questions and concerns please contact us at 1-888-531-5403 Regards, Choice Home Warranty
rpikulski
7/24/2019
AC quit working on Monday night while sleeping. Made a claim on Tuesday morning at 6:00 AM. Choice has a service tech at my house by 3:30 PM and issue was fixed by 4:00 PM. Now that's service!

ilove2dance60
7/24/2019
The 2Morrows technician was able to determine and fix the issue with my AC and thermostat. He even pointed out some issues that 2 previous companies had overlooked or ignored. I would definitely recommend them and may use them again in the future.

lisashadinger
7/24/2019
No problems with placing a service call. The company that came out to repair the AC had excellent customer service and professional technicians.

anateves121
7/24/2019
My my experience was great.Not only they beyond expedient in processing the claim,they were very pleasant to work with.

A
Albert P
7/23/2019
Your representative was very helpful In filing our claim, information received via email while I was on the phone with her.

A
Alvin
7/23/2019
They DO NOT COVER AIR CONDITIONERS OR CEILING FANS even though they claim to. Replacement of my 28 year old AC cost me $7000. They didn’t even have the courtesy to inform me . They just denied the claim from the technician

M
Mercedes D  
Official Response

Consumer Advocate of Choice Home Warranty
We are committed to providing a positive customer experience and we take all feedback very seriously. Choice Home Warranty provides home warranty service coverage on the systems and appliances listed as ‘INCLUDED’ under the terms of the User Agreement sent to you at purchase. It may also be found on www.choicehomewarranty.com/user-agreement/.com In efforts to assist please email us at respond@choicehomewarranty.com Subject area : Consumer Advocate Reviewer” with your full name and specific policy number for further assistance. Regards, Choice Home Warranty
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