Buying a home is an exciting proposition. It’s also a very expensive one. While a home is an emotional purchase because it’s where you lay your head at night, it’s also an investment that you need to take steps to protect. That’s where Choice home warranty enters the picture.
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What Is Choice Home Warranty?
Choice Home Warranty is one of the many comprehensive home protection plans available to help protect you from the high cost of replacement and repairs of major systems and appliances that make your home a comfortable place to live.
The company sets itself apart from the competition by offering valuable promotions, lower prices, and great service. It’s also one of the highest rated companies by online reviewers relative to its peers.
What Is a Home Warranty?
You have homeowner’s insurance, but it’s important to understand that’s not the same thing as a home warranty. Home warranties, such as those offered by Choice Home Warranty, are service contracts that help to guarantee that costs of the repair or replacement of items in your home.
These include major appliances, heating and air conditioning, and plumbing, if they break down or stop working. It basically saves you from having to fork over a large sum of money in the event something big goes wrong in your home.
Choice Home Warranty is one of the many companies that offer this kind of protection for homeowner’s, but they’re often cited as one of the best on the market with great customer service – something you really want in the event that your air conditioner breaks down during a heat wave!
The Pros and Cons of Choice Home Warranty
There are several advantages to choosing Choice Home Warranty over their competition. The strengths of Choice are:
- Very reasonable pricing
- Vetted technicians
- 24-hour call center
- Built-in appliance coverage
Choice Home Warranty guarantees the parts and labor of their repair work and they only hire authorized service professionals who are able to document the work correctly, perform the task, and communicate clearly and concisely with the homeowner during a repair or replacement.
They also only contract with insured and licensed technicians, so you can be sure you’re getting an experienced professional to address your needs.
There is one con to Choice Home Warranty that isn’t unusual for home warranty plans: their coverage limitations. When you purchase comprehensive coverage from Choice, it doesn’t include every single part of your home’s major systems.
Also, if the service professional dispatched to repair your home determines that the repair should be billed to your homeowner’s insurance rather than the home warranty plan, your warranty claim can be denied.
A great example of this is a natural disaster, such as an earthquake. If your pipes are damaged due to the event, that’s not a claim covered by your home warranty plan.
Or if you experience burst pipes because you didn’t properly winterize your home, then that’s not something a home warranty plan will cover either. So, there are limitations to what the warranty will cover and those are important to understand before you buy.
It’s crucial to note as well that Choice Home Warranty states in their service agreement that the company can also simply give you money to get the repair done instead of dispatching a contracted service professional for the repair.
In some instances, that can mean extra work for you to find someone to repair the problem in your home or to find a proper replacement.
But they only utilize a cash payout if the amount of the average cost of repair or replacement of an item when parts or replacements are not available. Choice Home Warranty is available in every state but Washington and California.
Plans Offered by Choice Home Warranty
When you sign up a Choice Home Warranty plan it’s for a period of 13 months. You can renew the warranty from year to year as needed. They offer two different warranty plans with additional coverage options available a la carte style.
The Basic Plan
This is Choice’s entry-level plan. It covers some (but not all!) of your home’s systems. These are the things covered by the basic plan:
- Plumbing systems
- Electrical systems
- Heating systems
- Water heater
- Whirlpool bathtub
- Plumbing stoppage
- Built-in microwave
- Exhaust fans
- Ceiling fans
- Garbage disposal
- Garage door openers
Please note that the basic plan does not cover refrigerators, washers, dryers, and air conditioners.
The Total Plan
The second plan offered by Choice Home Warranty is the “Total Plan.” This plan covers everything covered in the basic plan but also includes:
- Air conditioning system
- Clothes dryers
- Clothes washers
You can add optional coverage on to each plan for a fee with these add-ons:
- Standalone freezers
- Central vacuums
- Second refrigerators
- Sump pumps
- Well pumps
- Limited roof leaks
- Septic systems
The coverage of both plans begins 30 days after you enroll unless you can provide Choice with a certificate of coverage from any previous home warranty provider, then you can opt for continuous coverage.
Choice Home Warranty often offers sales incentives and discounted pricing to customers who request a quote, so don’t be shy to ask and don’t be surprised if your total is different than the prices listed here.
- Basic Plan price fluctuates, so you really need to call in order to get a precise quote, but on average you’ll pay about $370 per year for the Basic Plan, or about $33.33 per month.
- Total Plan costs an average of $450 per year or $40.00 per month. If your home is over 5,000 square feet, then you’ll likely have to pay an additional $250 surcharge.
They also charge a service call fee of $60 to $75, which is much lower than other home warranty service fees.
The Fine Print of Choice Home Warranty
As with any contract, there is fine print. While there are things to consider, these are not deterrents to buying. In fact, these terms are likely included in any home warranty. The fine print specific to CHW are as below:
If you dig deep into Choice Home Warranty’s user agreement, you’ll find that they will provide replacements for appliances that have similar features, efficiency, and capacity. They do not, however, guarantee brand, color, or dimensions.
For items such as ceiling fans and toilets, they’ll provide a builder’s grade replacement. They also state in their user agreement that they reserve the right to offer cash back equal to the amount of their cost, which can often be much lower than retail value.
The plans offered by Choice Home Warranty do have coverage limits. This is the maximum amount the company will pay to replace or repair an item.
These coverage limits do vary between systems and appliance or per covered item. The coverage limit for Choice Home Warranty is between $500 and $1500 per item.
One of the things people tend to really like about Choice Home Mortgage is their customer service. They have a knowledgeable team of dedicated professionals ready and able to help you 24/7.
Representatives can answer any questions you have over the phone and technicians can be dispatched immediately to help provide services you need.
Your First Month Can Be Free!
With the purchase of any single-payment or one-year warranties, Choice Home Warranty offers the first month of coverage for free. They also have frequent promotions that will enter you to win prizes, such as home appliances, when you apply for a quote. Make sure to ask about these options!
Requires No Inspection
Some home warranty companies will require a home inspection before agreeing to provide you with coverage, but Choice Home Warranty does not make that demand.
This helps you to start your coverage quickly and seamlessly after signing up and can help to save money right from the get-go by avoiding the additional cost of a home inspection.
One thing you always need to know upfront about a home warranty is when there’s the potential to be denied coverage. With Choice Home Warranty, the warranty will not cover damage that is the result of unknown or known pre-existing conditions of the appliance or system.
If you fail to maintain or clean the systems properly over their lifespan, then Choice may deny your claim when something breaks. This is an issue that homeowners with older appliances and home systems need to be aware of.
This way, they can determine from the outset which appliances are eligible for coverage and which are not. Read the fine print of the contract carefully.
Real Estate Agent Packages
If you’re a real estate agent who wants to gift a few months of home warranty coverage to your clients, then Choice Home Warranty offers plans and packages just for you.
This can help to give you a competitive edge and will bring peace of mind to the home buying and selling process for everyone involved. Call them to find out more about pricing for home warranty packages.
Choice Home Warranty offers great value in both of its standard plans. Pricing is straightforward and service calls are lower than its rivals. We recommend this service over others for these reasons.
User Review( votes)
Overall, we like Choice Home Warranty. The plans offered are more flexible than some competitors and pricing is straightforward. Unlike other companies, both plans offered do not require a home inspection.
Monthly fees are reasonable and the service call is about 20% lower than big companies like American Home Shield. Additionally, customer service reps are available 24/7.
If I were to buy a home warranty, I’d choose Choice Home Warranty for the flexibility, simplicity, and affordability its plans offer.
What People Are Saying
A lot of people report great experiences with this home warranty company. Mary M. says, “Service was prompt and my air conditioner was repaired expertly. It was truly a hassle-free experience and I would recommend Choice Home Warranty to anyone.”
Theresa M. says, “I have had my policy for two years and have used it four times for home repairs. I’ve always experienced prompt service and successful repairs. I am so glad I have this policy!”
Is Choice Home Warranty Right for You?
If you’re looking for a company with a great track record that is well respected in the business, then you really can’t go wrong with Choice Home Warranty. They offer a lot of options and are on hand 24 hours a day, 7 days a week to help you will any problems that arise.
That’s what you want from a home warranty company – someone that will be there when you need it. Pair that with their reasonable pricing and you’ve got a solid choice for your home warranty needs.