Homeownership comes with a multitude of responsibilities, and managing the repair or replacement of essential systems and appliances is among the most significant. Home warranties offer a solution to alleviate the financial strain and stress associated with these inevitable issues. Among the myriad of home warranty providers, Choice Home Warranty stands out as a prominent player. This article provides a comprehensive overview of Choice Home Warranty, examining its coverage options, customer service, cost, and overall value.
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Table of Contents
Overview of Choice Home Warranty
Choice Home Warranty was established in 2008 and has grown to become one of the leading home warranty companies in the United States. The company is headquartered in Edison, New Jersey, and provides service to customers across the nation. Its mission is to offer affordable and comprehensive protection plans that cover major home systems and appliances, thereby providing peace of mind to homeowners.
Coverage Plans
Choice Home Warranty offers two primary plans: the Basic Plan and the Total Plan. Each plan covers a range of systems and appliances, with the Total Plan offering more comprehensive coverage.
- Basic Plan:
- Heating system
- Electrical system
- Plumbing system
- Water heater
- Whirlpool bathtub
- Oven, range, and stove
- Cooktop
- Dishwasher
- Built-in microwave
- Garbage disposal
- Ceiling and exhaust fans
- Ductwork
- Total Plan:
- Everything in the Basic Plan, plus:
- Air conditioning system
- Refrigerator
- Clothes washer and dryer
Additionally, Choice Home Warranty provides optional coverage for items such as: – Pool and spa – Central vacuum – Second refrigerator – Well pump – Sump pump – Limited roof leak
Cost and Fees
The cost of a Choice Home Warranty plan varies depending on the level of coverage and the location of the home. On average, the Basic Plan costs between $400 and $450 per year, while the Total Plan ranges from $500 to $600 annually. There is also a service call fee, typically between $60 and $85, which is charged each time a technician is dispatched to address a claim.
Customer Service and Claims Process
Choice Home prides itself on providing 24/7 customer service. Homeowners can file a claim online or over the phone at any time. Once a claim is submitted, Choice Home Warranty dispatches a local, pre-screened technician to diagnose and address the problem.
The claims process is generally straightforward:
- Submit a claim: Homeowners can file a claim through the Choice Home website or by calling the customer service hotline.
- Technician dispatched: A local technician is assigned to inspect and repair the issue.
- Repair or replacement: If the technician determines that the system or appliance can be repaired, they will proceed with the necessary work. If a replacement is required, Choice Home Warranty covers the cost according to the terms of the service contract.
Pros of Choice Home Warranty
- Comprehensive Coverage: The Total Plan covers a wide range of essential systems and appliances, making it a comprehensive option for homeowners.
- Affordability: Compared to other home warranty providers, Choice Home offers competitive pricing.
- Nationwide Availability: With service available across the United States, Choice Home can accommodate homeowners in various regions.
- 24/7 Customer Service: The round-the-clock availability of customer service ensures that homeowners can file claims and seek assistance at any time.
- Optional Add-ons: The ability to add optional coverage allows homeowners to tailor their plans to meet their specific needs.
Cons of Choice Home Warranty
- Service Call Fee: The fee for each service call, which ranges from $60 to $85, can add up, especially if multiple claims are made within a year.
- Exclusions and Limitations: As with all home warranties, Choice Home has exclusions and limitations that may result in denied claims. It is crucial for homeowners to thoroughly read and understand the terms and conditions of their contract.
- Customer Complaints: Some customers have reported dissatisfaction with claim denials and delays in service. These issues are not uncommon in the home warranty industry, but they are worth noting.
Customer Reviews and Reputation
Choice Home has received mixed reviews from customers. On the positive side, many homeowners appreciate the comprehensive coverage and prompt service. However, some negative reviews highlight frustrations with denied claims and the quality of service provided by contracted technicians. The Better Business Bureau (BBB) has accredited Choice Home Warranty, and it currently holds a B rating, reflecting both positive and negative customer experiences.
Conclusion
Choice Home offers a viable solution for homeowners seeking to protect their essential home systems and appliances. With two main plans and several optional add-ons, the company provides flexible and comprehensive coverage options. While the cost of service call fees and potential claim denials are considerations to keep in mind, the overall value and peace of mind offered by Choice Home Warranty make it a strong contender in the home warranty market. Homeowners are encouraged to carefully review the terms and conditions, compare options, and consider their specific needs before making a decision.
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