When you own a home, maintenance is a big budget item. You need to carry homeowner’s insurance that protects against losses due to fire, theft and personal liability… but what happens if your heating system fails, or your dishwasher stops working? Homeowner’s insurance does not cover these problems. Home warranties are designed to protect your budget when an appliance or system fails or needs service.
These warranties often cover either appliances or systems or some combination of the two. Choice Home Warranty offers plans for a reasonable price, so if you are in the market for a home warranty, you may want to consider this company.
Is there an annual fee?
|The fee is usually $33-$40/month|
When will my coverage begin?
|There is a 30-day waiting period after you sign your contract|
Are there any additional expenses or fees?
|You must pay a Service Call Fee of $60|
Are there any items that are not covered?
|All plans cover normal wear and tear of appliances and systems only|
Who will the company send to my home?
|CHW sends only pre-screened, insured, qualified technicians|
How quickly can the company resolve my issue?
|Within two to four days (depending on when you call)|
What types of payment are accepted?
|Credit card and check|
What is the process for filing claims?
|Place a call or enter a request through the online system|
Cost or difficulty to cancel?
|You can cancel your contract within 30 days for a refund minus fees|
Ways you can enroll
|Very easy; help is a phone call or email away|
What warranties are offered?
|Warranties on most appliances and systems|
Ease of access
|Customer support is available online or by phone|
For seniors who are interested in purchasing a home warranty, Choice Home Warranty covers a broad range of both appliances and systems. For those who are younger and have a good understanding of the systems in their home, can direct a technician to the exact issue, and are aware of what is covered by their contract and what isn’t, this is a good value. However, for older seniors whomay not have the capacity to understand the contract or the systems in their home, a home warranty is not advisable. The contract is very specific, which gives more latitude to the company and technician.
Purchasing a home warranty is a great investment for those seniors who are in good health, are mobile enough to cook or store food if the oven or refrigerator fail, can find an alternative heat source if the heating system is blowing cold, and can tolerate waiting for a technician to arrive. However, for those who are in fair or poor health, this warranty may not have much value.
The company guarantees two days for service during the week, but you may need to wait up to four days if you call over a weekend. If the air conditioner is not working, for example, this could be a long time to wait for a technician, especially ifyou have medical issues.
Purchasing a home warranty is a wise investment in certain situations. For example, if you have several newer appliances which are no longer covered by manufacturer warranties, this could be a good deal. However, if you have older appliances for which you do not have maintenance records, you should be cautious about signing a contract. Unfortunately, home warranty companies are notoriously deceptive and have built loopholes into their contracts to limit their liability.
Choice Home Warranty offers only two plans: a minimal one and a broader one that covers much more, but is still limited to certain appliances and systems in your home. You don’t have much flexibility when choosing which items to cover, though items can be added to your list for supplemental fees.
Finally, this company was found liablein the state of New Jersey for deceptive advertising and was recently contacted by the BBB about its advertising practices. You should be especially cautious if you are considering signing with this company.
Frequently Asked Questions:
How do I request service? Once your contract is signed and paid for, you can call the company any time (24/7) or submit a request through the website, after a 30-day waiting period.
Besides the plan price, are there additional out-of-pocket expenses? You will need to pay a Service Call Fee of $60 or the actual cost of repairs, whichever is less.
Does the company cover old appliances? Yes, CHW covers appliances and systems that have been properly maintained for the period of ownership.
Overview:CHW offers two packages, both of which you can alter by adding coverage of optional items, such as a pool or spa, central vacuum or septic system.
Package Details:Choice Home Warranty has two plans, a Basic Plan and a Total Plan.
The Basic Plan covers several appliances and systems, but excludes air conditioning systems, refrigerators and clothes washers and dryers.
The Total Plan covers the following systems and appliances: heating system, electrical system, plumbing system, plumbing stoppage, water heater, whirlpool bath, oven/range/stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener, ceiling and exhaust fans and the items that the Basic Plan excludes.
Other Services: You can add any of the following items for coverage to either plan: pool/spa, central vacuum, second refrigerator, well pump, limited roof leak, stand-alone freezer, sump pump, septic system and septic tank pumping.
Contract Details: You can cancel within 30 days for a refund minus a $50 administrative fee. If you cancel after 30 days, you will receive a pro-rated refund for the unexpired paid term minus a $50 administrative fee.
Warranty: The company stands by a 30-day service guarantee, and covers parts for 90 days.
Accreditations: CHW was awarded the Consumer Approved and Business Excellence Award presented by RatePoint in 2009. The company is not accredited by the BBB, but has a rating of C+.
Company Details: Choice Home Warranty has been in business since 2008. In 2015, a final judgment was made in a lawsuit against the company. CHS agreed to pay the State of New Jersey over $775,000 including customer restitution, and to revise its business practices. In July 2017, the BBB again contacted CHS regarding its violation of the BBB Code of Advertising and the FTC Act. The company has since made changes to its website to avoid this violation.
Choice Home Warranty
1090 King Georges Post Rd.
Edison, NJ 08837
Tel. (888) 531-5403