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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,551 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.

How is Choice rated?

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

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
Company Phone
(888) 531-5403
Headquarters Address
2147 Route 27 South, Edison, NJ, 08837
Year Founded
2008

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10551 Customer Comments & Reviews

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Carol K
12/6/2016
We had. Dead dishwasher! Dell Alliance was very prompt and courteous when they came to assess the issue. The tech informed us that the part to repair was more expensive than a new dishwasher. We expect a check from Choice Warranty soon which will cover most of the cost for a replacement. We were able to get a new one at Lowes on the veteran's day sale.


J
John W
12/6/2016
Another great experience with Choice. Our garbage disposal went out on Saturday. I submitted a claim online that evening and received a confirmation Sunday morning with the plumber information. The plumber called me early Monday morning and showed up on time to replace the unit. Choice knows the definition of "customer experience".


Vicki F
12/5/2016
Other than the long wait time getting an operator....The service was fast. Less than 3 hours to do a repair on a Sunday!!!!!!!!!!!!!! I waited 22 minutes on hold and used the website in-less than 5. I m very happy with the Choice H.W. and their choice of repair people.


L
Larry C
12/5/2016
My claim was handled promptly, a plumber was assigned within 24 hours, and repair was completed within 36 hours. Excellent service!


R
Richard M
12/4/2016
test


Stephanie W
12/3/2016
I was very pleased with the ease of filing the claim and how fast the response from the vender was to get the heater working!


Joy K
12/2/2016
Service technician was assigned almost immediately. The technician arrived within the time schedules. However the technician has to order a part and has to return on Tuesday to finalize the repair.


E
Ella D
12/2/2016
I Had an appliance to fail during the holidays. Bad time. I had to wait for businesses to start work again. Once the process started after the break, things moved smoothly. A part was ordered and installed in 2 days. The repairman couldn't have been nicer. DeRouselle


C
Carol
12/2/2016
Quick, efficient service. Identified the problem and corrected it on the spot. Service person was pleasant. Appreciated quick response. However the first service company was unable to give me an appointment day or time and ultimately called a day later to schedule an appointment four days later. I contacted Choice that that was unsatisfactory and the agent put me in touch with new service provider of whom I was extremely pleased.


D
diann b
11/30/2016
I have required the services of Choice Home Warranty 3 times since signing up for your service approx. one year ago. My microwave went out after 10 years and I used the opportunity to check out your service. I called the office , a technician came out within hours. He said the microwave would have to be replaced and I was to wait for a call from Choice. Choice called to tell me a check would be forthcoming. Secondly I felt my oven wasn't heating properly. I followed the same steps as above and not one but two technicians came out and gave my oven a complete check. They couldn't find anything wrong and that was it. Lastly my thermostats weren't working and I had no heat in the house. Again... Read More



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