436 reviews on
Trustpilot
Pricing and Plans
Choice Home Warranty offers two primary plans:
- Basic Plan: Covers 14 major home systems and appliances, such as heating, electrical, plumbing, water heaters, and kitchen appliances (except the refrigerator).
- Total Plan: Includes all items in the Basic Plan plus air conditioning, refrigerators, clothes washers, and dryers.
The monthly premiums for these plans range from $46 to $55, with a standard service fee of $85 per claim. This pricing is competitive, particularly for the comprehensive coverage offered in the Total Plan (NerdWallet: Finance smarter) (Today’s Homeowner) (Top Consumer Reviews).
Features and Usability
Choice Home Warranty provides several key features that enhance its usability:
- High Coverage Caps: CHW offers coverage up to $3,000 per covered item annually, which is higher than many competitors.
- 24/7 Claims Service: Homeowners can file claims online or via phone at any time.
- Quick Claim Processing: The company aims to contact a technician within four hours of a claim and generally schedules repairs within two days (This Old House) (NerdWallet: Finance smarter).
- Nationwide Service Network: CHW partners with over 25,000 contractors, ensuring a broad network of service professionals across 48 states (excluding California and Washington) (This Old House) (Today’s Homeowner).
Customer Experience
Customer reviews for Choice Home Warranty are mixed. Positive feedback highlights the affordability and ease of the claims process, with many praising the technicians’ promptness and professionalism. However, some negative reviews mention issues with claim denials and slow response times, as well as dissatisfaction with third-party technicians. On Trustpilot, CHW holds a rating of 2.91 out of 5, while ConsumerAffairs rates it higher at 3.6 out of 5. The Better Business Bureau (BBB) gives CHW a B rating, reflecting both positive and negative customer experiences (NerdWallet: Finance smarter) (Today’s Homeowner) (Home Warranty Reviews).
Pros
- Affordable Plans: Monthly premiums under $60 make CHW one of the more affordable home warranty providers.
- High Coverage Limits: Coverage caps of $3,000 per item are generous compared to industry standards.
- Fast Claims Processing: Initial contact with a technician is typically made within four hours of filing a claim.
- Comprehensive Coverage Options: The Total Plan offers extensive coverage for both home systems and appliances (This Old House) (NerdWallet: Finance smarter) (Today’s Homeowner).
Cons
- Mixed Customer Reviews: Some customers report issues with denied claims and delays in service.
- Service Fee: The standard service fee of $85 per claim can be higher compared to some competitors.
- Limited Plan Customization: Unlike some providers, CHW offers fewer customization options for plans (This Old House) (Today’s Homeowner) (Top Consumer Reviews).
Final Thoughts
Choice Home Warranty is a solid option for homeowners seeking affordable and comprehensive coverage for their home systems and appliances. Its high coverage caps and quick claims processing make it a competitive choice in the market. However, potential customers should carefully read the terms and conditions and consider the mixed reviews regarding claim approvals and service quality.
For more detailed information, you can visit Choice Home Warranty’s website and read reviews on This Old House, NerdWallet, and TopConsumerReviews.
