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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
11,142 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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11142 Customer Comments & Reviews

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J
John
1/4/2018
Phone reps are nice, but process is horrible. Had a no heat situation with 4 degrees out and they were not to concerned about expediting a service call. stated 24 to 48 hours.

Carlos S
1/3/2018
I really love the customer service that choice home warranty provides . The only thing that i like to give feed back is the referral program it’s not up to date in my policy i refer my brother and my son and I haven’t got anything from that program . I’ll give you guys 4 stars thank you

R
Rick D
1/3/2018
some home warranties are very good, Choice Home Warranty is NOT ONE! a lot of hidden and if's and buts! They seem to have vaguely written contacts, and they will use it against YOU! Find another company, my contact with Choice ends 07/2018 , I will not be renewing with Choice Home Warranty! Have two friends would have canceled their contacts with Choice Home Warranty!

Tonia C
1/3/2018
I called and spoke to Jeff. Very helpful and stress free call to report a claim. Thank you!

M
michaelfulda
1/3/2018
I haven't used this yet Just signed on. The guy who signed me up was great Clear and Helpful

Bob S
1/3/2018
I was told that my policy couldn't be utilized in the first thirty days to ensure it wasn't a pre-existing condition. Two months after I paid for the coverage my heat went out. It's a $300 repair... They declined coverage saying it was obviously starting to fail prior to purchase. I had coverage before through Old Republic and decided to change. I've used Old Republic on every home I've owned (18) and never had an issue. Choice Home Warranty, to me appears to be a complete scam!!! Bob Scruggs 6115 46th Lane East Bradenton FL 34203 858-761-6858

K
Kenneth
1/3/2018
I really never made no claims, so I don’t know how they are contractors are I am hoping that they’re better than the last warranty company I had.

Dorothy A
1/3/2018
Rep who took my Service Call rushed me off the phone. I had questions, once I was given claim #, she abruptly dropped the call; I had another Question to ask. I understand temperatures are frigid & they are very busy, but our home is like the outdoors , 30 degrees . Wanted to ask if they could possibly try to expedite as much as possible.

Marva L
1/2/2018
I think you’re advertising is over rated to say the least. I won’t be buying your warranty again. Very disappointed! I will write the BBB to tell them about 3 different times I have called it has always taken over 24 hrs for someone to get my case number. Right now I put in a claim at 5 pm and no one has responded or received my case yet! My heater stopped working, it is 20 something degrees out and no one has picked up our work order as of yet. It’s Freezing out! Marva Landon of Philadelphia, 1413 e Johnson st.

S
Sabrina
1/2/2018
My customer service representative Patrick Adams was really great at explaining what was offered in the packages and how he wanted to make sure that I understood everything and to answer any and all questions I may have. His goal was to ensure that I was 100% satisfied and he accomplished it.

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