Choice Home Warranty is one among the top ten home warranty companies in the home warranty industry. Undoubtedly, Choice Home Warranty is the second largest home warranty company in America after American Home Shield.
On HomeWarrantyReviews.com, Choice Home Warranty is ranked #3 among the 80+ other home warranty companies listed on the website. The company’s plans offer an extensive range of coverage. It provides services to 46 out of the 50 states in the U.S. and Washington DC.
Choice Home Warranty’s mission is to protect homeowners, sellers, and buyers from extensive home repairs and replacement costs. Also, they claim and reassure that their coverage and quality of services is unmatched and that they are consistently recognized for their excellent work and delivery.
Choice Home Warranty offers 2 plans i.e. the Typical Plan and the Total Plan. Both the plans include coverage for home systems and appliances. It does not offer exclusive plans for systems and appliances.
The Typical Plan is the basic plan and the Total Plan includes a wider range of coverage. Choice Home Warranty also provides optional coverage or add-on coverage. You can include the add-on coverage for specific items to your existing plan.
The Typical Plan provides coverage for 13 home systems and appliances which includes:
The Total Plan by Choice Home Warranty includes all the home systems and appliances from the Typical Plan plus 4 more items. It also includes:
Choice Home Warranty’s optional coverage includes add-ons that you can add to one of the above plans. The range of optional coverage includes:
Choice Home Warranty provides a wide range of coverage through its two plans. Both the plans include coverage for a range of home systems and appliances. The Total plan is more comprehensive than the Typical plan. Apart from the list of appliances and systems, you can also opt for additional coverage. Choice Home Warranty offers coverage for swimming pools, spas, sump pump, well pump, and roof leakage protection which is not offered by most other home warranty companies.
The first month of your Choice Home Warranty contract is free. However, if you request a service call, you will still need to pay the deductible or service call fee of $60.
Does Choice Home Warranty have a coverage limit?
Just like every other home warranty company, Choice Home Warranty also has an upper limit on the coverage offered. The coverage limit ranges between $500-$1500 per unit depending on the appliance or system. For optional coverage, the limit ranges between $200-$500 depending on the item.
The following table has a detailed list of appliances and systems that are covered by Choice Home Warranty along with an outline of what is included and excluded in the coverage:
|Appliance / System||Included|
|Clothes Dryer||Most components and parts|
|Clothes Washer||Major components and parts|
|Kitchen Refrigerator||The Refrigerator should be in the kitchen. Most components and parts, including integral freezer unit|
|Air Conditioning / Cooler||This includes ducted electric central air conditioning, ducted electric wall air conditioning. All components and parts, for units below 13 SEER and/or 7.7 HSPF or higher compliant.|
|Heating System or Built-in Wall Unit||Almost all all components and part that ensure the functioning of the heating system. This is for units below 13 SEER and repair/replacement will be performed with 13 SEER equipment and/or 7.7 HSPF or higher compliant,|
|Water Heater (Gas and/or Electric)||Includes all components and parts, including circulating pumps|
|Electrical System||This includes repairs of all components and parts, which also includes built-in bathroom exhaust fans|
|Plumbing System/Stoppage||The coverage includes leaks and breaks of water, drain, gas, waste or vent lines, unless it is caused by freezing or roots. Adding to this, this would also include built-in bathtub whirlpool motor and pump assemblies, rinses and gate valves, Toilet tanks, bowls and mechanisms, permanently installed interior sump pumps, valves for shower, tub, and diverter angle stops, sewer lines up to 100 feet from access point and stoppages/clogs in drain. They also handle the the mainline stoppages if it is accessible at ground level cleanout.|
|Built-in Microwave||Most components and parts|
|Oven/ Range/ Stove/ Cooktop||Most components and parts|
|Dishwasher||Most components and parts|
|Garbage Disposal||Most components and parts which also includes the entire unit|
|Ceiling and Exhaust Fans||Switches, motors, controls, and bearings|
|Ductwork||The duct from the heating unit to point of attachment at registers or grills|
|Garage Door Opener||Most components and parts|
|Energy Rating||This includes systems and appliances like Clothes Washer, Clothes Dryer, Refrigerator, Dishwasher, Heating System, and Water Heater. They will replace the appliance with an ENERGY STAR qualified product which is one with similar and like features as existing appliance.|
|Pool or Spa Equipment||Both pool and built-in spa equipment if the use the same equipment. If they do not utilize common equipment, then only one is covered unless an additional fee is paid. Coverage applies for the heater, pump, motor, filter, filter timer, gaskets, blower, timer, valves, limited to backflush, actuator, check, and 2 and 3-way valves, relays and switches, pool sweep motor and pump|
|Septic Tank Pumping||This includes mainline stoppages/clogs. In case the stoppage is due to a septic tank back up, then they will pump the septic tank one time during the contract term. Coverage is effective if the septic certification is complete within 90 days prior to the close of sale.|
|Well Pump||Most components and parts of well pump utilized for main dwelling only.|
|Sump Pump||This includes permanently installed sump pump for groundwater, within the foundation of the home or attached garage.|
|Central Vacuum||Most mechanical system components and parts|
|Limited Roof Leak||They will repair the shake, shingle, and composition roof leaks of the area which your family resides.|
|Stand Alone Freezer||This includes all parts and components that affect the operation of the unit|
|Second Refrigerator||Most components and parts, including integral freezer unit|
|Septic System||Sewage ejector pump, septic tank, aerobic pump, jet pump, and line from the house.|
Choice Home Warranty provides home warranty services in 46 states across the U.S. and also in District of Columbia. CHW does not provide its services in California, Vermont, Rhode Island, and Wyoming. It is rated as #3 in the list of top 10 home warranty companies.
Here are some of the pre-conditions that you should know about Choice Home Warranty’s terms. Systems and appliances are included in the terms and conditions if:
Choice Home Warranty coverage starts 30 days after the application has been accepted and this contract continues for 365 days from this date. Though coverage can begin before 30 days, it will still be processed through another carrier within 15 days of the order date. The contract term, contract fees, service fee, and the equipment systems and appliances are covered in this contract and there could be additional costs.
To file a claim with Choice Home Warranty:
The Authorized Service Provider will complete the work within 2 days during business hours or 4 days during weekends and holidays. Choice Home Warranty will select the Service Provider. The trade service call would be $75 per claim or the actual cost (whichever is lower). In case the work performed fails then necessary repairs will be made without an additional trade service call fee for 90 days on parts and 30 days on labor.
You can cancel your contract with Choice Home Warranty within 30 days from the order date. You will receive a pro-rata refund of the contract fee minus a $50 administrative fee and service costs incurred by Choice Home Warranty.
This contract can be canceled under any of the following conditions:
Choice Home Warranty has constantly strived for excellence, whether it’s the hands-on service or it’s high-quality customer care. Over the last few years, CHW has been nominated and won awards and accolades:
If you need to get in touch with Choice Home Warranty, you can reach out to the claims department at 888-531-5403. In case, you are in need of a FREE home warranty quote then you can call 888-351-0908 today!
CHW has a 24/7 claims department, it maintains a well-equipped website on which you can submit claims online. The company has a network of 25,000 skilled and licensed service contractors. As a customer of Choice Home Warranty, you can only use in-network contractors for your claims. The service recall period for a claim is 30 days. This means that if the same problem re-occurs within thirty days, it will be considered as the same claim.
The waiting period of a CHW is 30 days, that means that it takes 30 days for your policy to become effective after the paperwork has been completed. So you cannot file a claim in the first 30 days of your policy. Most home warranty companies have a 30 day waiting period.
Being a premier home warranty company in the industry, Choice Home Warranty participates in the Complaint Resolution (CRP) offered by HomeWarrantyReviews.com. The program enables customers to submit complaints on the website and seek a resolution from the company within 30 days. If not, the complaint gets posted as a negative review.
Choice Home Warranty also takes part in the Complaint Resolution Program (CRP) offered by HomeWarrantyReviews.com. The CRP offers a one-of-a-kind complaint resolution dashboard where you can directly get in touch with a representative from your home warranty company. In case, your complaint is not addressed within 30 days or you are not satisfied with the resolution offered, the complaint remains open and gets posted as a negative review. If you are happy with the resolution offered, you can login to the CRP dashboard and close the complaint.
These are the most recent reviews about Choice Home Warranty. Most customers of the company talk about how professional the company is and how to ensure that the maintenance work is completed within a fixed time frame. Also, CHW is known for providing quick service through their service providers and the customers were ensured that work was completed within the scheduled time. There are customers that have been extremely grateful for the courteous, professional, friendly and helpful manner in which Choice Home Warranty gets the job done.
Apart from all the good reviews and accolades, CHW has also had a few downs. In 2015, Choice Home Warranty made the headlines for having to pay out nearly $780,000 and money that would be paid to customers to settle the lawsuit filed by the state on its business practices.
The State of New Jersey filed a suit against the Choice Home Warranty Inc group and its current and former principals. This included Victor Mandalawi, Victor Hakim and David Seruya who have left the company in 2013.
The Division’s Complaint was filed in Superior Court in Middlesex County which alleged that Choice Home Warranty made consumers buy home warranties which were service contracts by offering comprehensive coverage. The Division alleged that these deception tactics denied claims if the consumer could not submit multiple years worth of maintenance records. However, there were 1085 complaints about CHW from consumers in New Jersey and all over the U.S.
There are some business practices that they should adopt which include:
This is a customer’s testimonial on her experience with Choice Home Warranty and moreover, how quickly they serviced her claim and ensured that her appliance worked as good as new!
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