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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,251 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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11251 Customer Comments & Reviews

Loading Reviews ...
Rollette S
6/7/2019
Good service. Preferred Mechanical Services gives excellent service and good repair.

C
camille_simms
6/7/2019
CHW is very useful is you own a house. It saves you the trouble of trying to find a vendor to service your needs when something breaks. The down side is that you have to wait until your request can be assigned. Sometimes it takes a couple of days and as soon as it's assigned, you have to follow up with the company. If not, they may not show up. Also, like all companies, there is no guarantee that you will receive a knowledgeable technician or if the technician will even show at the time scheduled.

A
ABDELRAHMAN M
6/7/2019
I called and Contractor came within a day, fixed my problem very fast. I am very happy with this service.

S
Scott B
6/7/2019
On the morning that the technician was to arrive, he called to *schedule* an appointment for 2 days later. I received an email and phone call confirming the appointment time from CHW, but it was not clear to the technician that the appointment had already been scheduled. Luckily, he was very accommodating and came out that same day. If he had not, I would have had to take a second day off of work.

Earlene F
6/7/2019
CHOICE HOME WARRENTY HAS BEEN GREAT FOR ME . I AMM A SINGLE FAMILY HOUSEHOLD . THEY SO FOR HAVE REALLY BEEN A BLESSING FOR ME MY WASHER WENT OUT. THEY WERE QUICK TO RESPOND AND TAKE CARE OF THE PROBLEM MY AIR CONDITIONER WENT OUT .AGAIN THEY CAME THE SAME DAY. HOME WARRANTY WAS THE WAY FOR ME. 2

W
William F
6/6/2019
I called Choice Home Warranty on Tuesday, they set me up for a appointment for Friday afternoon for 11:00am to 3:pm. I called that company and ask if I could get one sooner. He set me up for Wednesday afternoon from 11:00 am to 3:00 pm. they came around 2:00 pm and completely checked out the system. Found out it was a circuit breaker that had tripped. All is fixed and running good.

Judy C
6/6/2019
My garbage disposal broke down. I submitted a claim on line and Choice Home Warranty responded by the next day. On the 3rd day a repairman was sent to my house. I had a scheduling window but I needed them to come at the latest time I was given so I called the company directly and they were very accomodating. It was overall a very good experience.

K
kathryn m
6/6/2019
took no time at all for a tech to be scheduled , next morning after filing claim. the service companies that are getting the jobs, everyone very nice always willing to go the extra mile.

C
Carolyn J
6/6/2019
Regarding fixing an old clothes dryer with non-working heat element: the repair person took the dryer apart, replaced the heat element, put it back together and "Wala," it works! Very satisfied!!

Arthur E
6/6/2019
Technician was excellent in communications, in workmanship, in knowledge, in timeliness to appointment and friendliness. Choice was poor in not reading my very specific words that June 4th could not work for appointment, and went ahead and assigned June 4th. Choice should give customers ability to specify no-good days or times. Technician was good in speaking to me and arranging June 5th that worked out very well.

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