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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,254 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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11254 Customer Comments & Reviews

Loading Reviews ...
W
Wilson
7/5/2019
It is very thing to have and always on time they do their job right and I am very satisfied

Mary R
7/5/2019
I have never used your services so I cannot rate you but, if I get another phone call begging me to get your protection for the house, I will cancel my service contract.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
Thank you for your feedback, please send your full name , address and policy number to repsond@choicehomewarranty.com as we will send an expidited request to our IT Department upon receiving your account infromation to reomove you from any form of solcitation . Kind Regards, Choice Home Warranty
Marjorie D
7/4/2019
Nicole handled my claim#75549074 perfectly and efficiantly and got my appeal to the right dept. for review and I was able to prove the true cause of the outages and get me my refund of the covered items I paid for. Thank you Nicole !

sands28387
7/4/2019
I was with amercian home shield and wish i did not go with Choice home warranty. I have to wait on approval for services and we are in 90 degree heat. Is their a better company? Please someone help me

M
Mahoud
7/4/2019
Really I had a great service through choice home warranty, they have dealing with great professional companys so fast set up the appointment to check, helped me to replace the washer machine as soon, just one day. It is a great home Warranty. Mahmoud

sandy.carey1223
7/3/2019
I called in to ask questions, and what I was told orally over the phone did not match the policy I was sent. I also was promised they would waive the 30 day waiting period, but received nothing confirming this. I am hoping they will refund my money due to these misrepresentations, however I will involve an attorney if necessary. I am extremely disappointed in all the exclusions which basically result in no coverage and throwing my money away!

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to enhance our sales team, therefore, we appreciate your feedback. Please contact us directly at 1.888.531.5403 for further assistance.
dgatoux
7/3/2019
Frankly, I was turned off by the aggressiveness of the representative in upselling me for a longer term commitment. I asked at least 5 times to let me get off the phone and he would not let it go. I nearly canceled the warranty I just purchased and may do that after a year. This has been a very disappointing start in my relationship with Choice.

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to enhance our sales team, therefore, we appreciate your feedback.
jeeplifeisgood
7/3/2019
The Customer service was great and easy to understand. Although at first he did seem a little annoyed, he got nice when he realized I was actually going to purchase a warranty. But the experience was was very good, and it could have been me, I was in a rush to get it done. Best thing I didn't ever have to repeat myself, he was listening all the time. Thank you. I will monitor service closely looking Forward to an annual review.

C
Carole S
7/3/2019
We have had Choice Home Warranty for a few years and have had very good service from then. So far all of the technicians they have sent out have been very nice.

steske6497
7/3/2019
I received a call from Laura in regards to a quote and she told me about the one year plan and proceeded by asking me for my credit card information. Once she had obtained it she then decided to tell me about a five year plan and pointed out the benefits of the longer term. I was interested in the longer term plan and asked her to let me think about it and call me back the next day. She continued on about other plans and I repeatedly asked her to let me think about it. At some point are call got disconnected and the next thing I see is a welcome email. She went ahead and proceeded to process the one year. Very dissatisfied with this and I truly saw value in the product, but after this... Read More

Cindy  
Official Response

Consumer Advocate of Choice Home Warranty
We strive to enhance our sales team, therefore, we appreciate your feedback.
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