- First month free
- Dedicated teams of 2-3 representatives per customer
- 24/7/365 service
- No home inspection required
- Large contractor network
Choice Home Warranty is a New Jersey-based service contract company that provides comprehensive home warranty plans, which are used for repair and/or replacement, provided they are well-maintained and covered. The company’s team is quick and efficient and they have a large base of customers, both regular homeowners and real estate professionals, who are aware that a house covered by a home warranty plan definitely sells faster.
The Basic plan should probably be called something other than “Basic” since it really covers a lot. If you sign up for this plan, you will get coverage on heating, electrical and plumbing systems, plumbing stoppage, water heater, whirlpool bathtub, oven or stove, dishwasher, cooktop, garbage disposal, built-in microwave, garage door opener, ductwork, and ceiling and exhaust fans. The plan called Total covers all that, plus air conditioning, fridge, clothes washer, and clothes dryer. These additional appliances and system make all the difference between two plans, which is one of the reasons people more frequently opt for the Basic plan instead of the Total.
You can also opt for additional coverage for your pool/spa, well pump, sump pump, central vacuum, septic system, septic tank pumping, second fridge, and stand-alone freezer.
Terms and Conditions
Some might find these terms and conditions to be a bit restrictive, but they are actually pretty standard for this line of business.
Your home warranty plan will start 30 days after you sign the contract and get a confirmation and a receipt. Choice Home Warranty offers one-year plans, which means your systems and appliances will be covered for 365 days. As it is the case with most home warranty companies, when/if some of the appliances or systems that are covered by your contract malfunction or break down, you contact the company’s Claims Department, which sends a team of technicians to take care of the problem.
Bear in mind that the call to the Claims Department is not free. In fact, there is a $60 trade service call fee, and that means $60 per claim, regardless of the actual cost of the repair or replacement. This fee cannot be paid in advance and is payable directly to the technicians sent by the company.
Another thing you should keep in mind is that any type of appliance or home system that can be qualified as “commercial-grade” will be excluded from the coverage, even though that specific type of appliance or system is listed in the plan details. For example, if you own a commercial-grade refrigerator and it breaks down, it will not be covered by your home warranty, even though your plan covers refrigerators.
You should also bear in mind that even for appliances that are well within coverage, there are some exceptions that might make your claim invalid. For example, not all the parts in an appliance are included in the coverage. If your washing machine breaks down and the cause is, say, a problem with some of the knobs and dials, or filter screens, your claim will be denied because those specific parts are not included in the coverage. In order to ascertain exactly which parts are or are not included in the coverage, it is highly recommended you read terms and conditions, as well as the user agreement, very carefully. Another common reason for denied warranty claims is a pre-existing condition, meaning, if the technician sent by the company finds that the problem is something that the appliance was already suffering from before it was covered with warranty, the claim will be invalid.
Choice Home Warranty does not care about how old your appliances or systems are, as long as they are well maintained, properly used and without any pre-existing conditions.
Choice Home Warranty guarantees the repair or replacement of your system or appliance, provided it is covered and eligible for a claim. If your appliance cannot be repaired, the company will replace it. If a replacement is not available at the moment, the company will offer you cash payment in the amount of its replacement cost.
Their customer service is available around the clock, meaning 24/7, all year round. This is very important since, obviously, your systems and appliances don’t really care what time of the day or day of the year it is, and they often break down in the middle of the night.
The company uses strict screening methods in selecting their contractors, so you can rest assured they won’t send you just about anyone, let alone a hack. All the technicians working with this company are experienced, licensed and insured. Since Choice Home Warranty provides nation-wide services, they also aim to build a network of contractors all across the country, so that you can easily be matched with the technician that is the closest to your location, thus minimizing your waiting time. The network of contractors really is quite large, however, certain regions are better covered than the other, less populous ones.
Pros & Cons
- 24/7/365 call center
- First month free
- Transparent and straightforward
- Many coverage loopholes
- Some important systems cost extra