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Choice Home Warranty Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
10,714 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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10714 Customer Comments & Reviews

Loading Reviews ...
marycaitlin87
11/5/2024
The warranty for my home has always been there and very useful, doing exactly what it says. I couldn't imagine not having it.


Linda E
11/5/2024
I was skeptical when placing a service order with CHW because so many home warranty companies have horrible reviews. I placed an order online which was super fast and easy by just completing a form and paying the service visit fee. I got to pick my own window. No pesky humans involved - easy peasy! Lol The technician called me to let me know he was on his way within the specified window. When he arrived, he was friendly, courteous and professional. He diagnosed the problem, had the part in his truck, fixed it and was on his way. I am beyond pleased with this service so far!


Reginald L
11/5/2024
Your company does not believe in paying claims. I feel as if I threw my money away buying a policy from Choice Home Warranty.


Kay S
11/4/2024
Horrible company, did not provide services as promised. Called to have refrigerator checked as it was not freezing or cooling. I had unplugged machine and when tech came out, turned it on and said it was working just fine. Had to pay my co-pay of 75, three weeks later same problem, same refrigerator, had to pay 75 co pay, which I should not of had to as it was within 30 days. Basically told tech, what I thought needed to be done, he ordered parts, waited approximately 30 days for him to finish repair. Company would not refund my co-pay as they said I needed to call them, even tho on the claims request it clearly stated that same refrigerator, same problem. Called middle of... Read More


Tom C
11/4/2024
I didn't give you 5 stars because you are good with getting a vendor to handle simple appliance problems - - but --- were terrible when i had a water leak. You could not get someone and i had to go outside to handle.


scrapp21
11/2/2024
HE WAS VERY THOROUGH AND EFFICIENT AND WAS ON TIME LEFT THE AREA NEAT AND CLEAN


Donna D
11/2/2024
Many thanks to Choice Home Warranty for accommodating my difficult schedule by assigning the Top Tier Garage door repair company to my claim. Devon at Top Tier was Exceptional. He ALWAYS answered his phone when I called. He ran a few minutes late for our appointment, but I didn’t care AT ALL because he called me and told me that he would be a little late. He introduced himself to me when he arrived at my home and he shook my hand. He was dressed neatly in a Top Tier uniform. He was extremely knowledgeable and patient, answering ALL of my many questions. He even lubricated my cables. He was Customer Service, perfection, and I will request his assistance again for any future issues with my... Read More


restytorres0103
11/2/2024
Tech is good but Choice home warranty policy changed from good to poor


D
Donna L
11/1/2024
I am somewhat satisfied with the service from Home Warranty. My reasoning is it took 3 days before my heating was fixed. In the case of no heat and the ages of myself and my husband we should have been offered the choice to call in a company immediately. We are 79 years old and cannot wait 3 days for the heating system to be fixed. May I suggest to Choice Home Warranty that they be more mindful of their senior customers.


cdesantisj
11/1/2024
Technician was friendly, very knowledgeable and completed the repair very efficiently. Very organized and professional.



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