Is Choice Home Warranty (CHW) the right choice for your home warranty plan in 2023? CHW stands tall as one of the largest companies in the industry, offering wide coverage for all your home appliances and systems. CHW prices are right there in line with the most affordable in the industry, starting at $46.67 per month with low deductibles. CHW’s Basic plan combines coverage for 14 appliances and systems!
With a nationwide network of over 25,000 licensed contractors, help is just a call away whenever needed. There’s a reason why so many consumers trust Choice Home Warranty–size matters when it comes to home warranty plans!
The only other home warranty company that comes close to CHW in terms of high customer ratings and reviews is Liberty Home Guard. At the BBB, Liberty Home Guard’s 2,300+ customer reviews have an average rating of 4.56 out of 5 stars. We recommend getting quotes from multiple companies if you’re considering a home warranty plan. Start by comparing Choice Home Warranty and Liberty Home Guard, the two best-rated home warranty companies. See Liberty Home Guard Plans Here, the #1 Rated Home Warranty Provider!
Choice Home Warranty (CHW) is licensed in every state it operates in, including in California (CA) but under The Home Service Club of California, Inc. (‘HSCCA’).
We couldn’t find any complaints listed against CHW with the California Department of Insurance or other regulatory agencies.
To verify licensing and registration details for CA homeowners visit www.Insurance.CA.Gov.
However, how does CHW stack up against other top-rated home warranty companies? Turn to the Top 4 Best Home Warranty Companies List for 2023.
New Jersey-based Choice Home Warranty has handled more than 6 million service requests since 2009. Like most home warranty companies, CHW offers different prices and coverage options.
Customers can also choose special add-on options that allow them to cover extra items not included in standard plans. If an appliance, system, or other covered item in your home breaks down, you may be able to save on out-of-pocket repair or replacement costs by having one of CHW’s in-network service providers take care of the issue.
With pricing starting at just $46.67, Choice Home Warranty is one of the industry’s most affordable home warranty companies. It’s also one of the only warranty providers to cover appliances and home systems across all its plans.
The best home and auto warranty companies can help you save hundreds or even thousands of dollars annually.
| ">Statistic | ">Value |
| ">Average cost of repairs covered by warranty | " data-sheets-numberformat="">$967.69 |
| ">Average annual benefit of a home warranty | " data-sheets-numberformat="">$3,009.68 |
These numbers are based on the following assumptions:
For California residents, Choice Home Warranty (“CHW”) has forged a strategic partnership with the Home Service Club of California, Inc. (“HSCCA”), a Licensed Home Protection Company authorized by the California Department of Insurance.
This partnership seamlessly integrates CHW’s cutting-edge, technology-driven home warranty administrative services with HSCCA’s offerings, resulting in the introduction of technology-enhanced home warranty solutions tailored to the needs of California residents.
Recognizing the increasingly pivotal role of technology in diverse aspects of home management, HSCCA acknowledges CHW’s advanced technological prowess and its remarkable 14-year history of administrative excellence. This recognition underscores the significant advantages this amalgamation brings to the residents of California.
Within California’s borders, service contracts under the CHW brand are issued and delivered by HSCCA, exclusively promoted through the Home Service Club of California Insurance Services, Inc.
It is imperative to highlight that Choice Home Warranties are not procurable for purchase within California, and CHW lacks the requisite licensing from the California Department of Insurance.
Nevertheless, the collaborative efforts of these two entities have propelled their services to secure a place in the coveted “Top 3 Best Home Warranties in California” list for 2023.
Starting at $46.67 per month, CHW’s Basic plan combines coverage for 14 appliances and systems in one plan. Under this low-cost plan, homeowners can bundle the following:
For around $55 per month, the Choice Home Warranty Total plan covers everything in the Basic plan: your refrigerator, air conditioning system, and washer and dryer.
With monthly rates ranging from $29.99 to $69.99 across its three plans, American Home Shield (AHS) requires customers to pay more for comparable coverage to CHW’s Basic and Total plans.
You’ll need to settle for just plumbing, electrical, heating, and cooling coverage without appliance coverage if you want to get AHS’s lowest price.
While the $69.99 plan is much pricier than CHW’s most expensive one, it offers comprehensive coverage that includes roof leaks.
The last big point is CHW’s 60-day workmanship guarantee versus AHS’s 30-day guarantee. AHS is available in every state other than Alaska.
With plans ranging from $75 to $100, Select Home Warranty (SHW) is the pricier company. SHW also uses a model that offers an appliance-only plan (Gold Care), a systems-only plan (Platinum Care), and a third plan (Bronze Plan) that combines the coverages of both plans.
While SHW’s service fees, ranging from $75 to $100, are reasonable for the industry, they lack the predictability of the Choice Home Warranty deductible, a flat fee of $85 per service call. While SHW matches CHW’s 60-day labor guarantee, it doesn’t offer an equivalent to Choice’s 90-day parts guarantee.
Customers report that SHW requires a little more red tape when it comes to getting maximum payouts on covered items. Before a claim can be processed, SHW asks customers for proof of maintenance. Meanwhile, CHW will only ask for proof of maintenance if a customer chooses to dispute a claim denial.
When evaluating companies of Choice Home Warranty’s magnitude, it’s essential to consider BBB reviews and complaints in the context of the company’s size.
In 2019, the Arizona Attorney General’s Office initiated a consumer fraud lawsuit against Choice Home Warranty. The Attorney General’s office alleged that CHW had made false claims to customers and had collected millions of dollars while imposing unfair payment caps, contract exclusions, and claim denials.
The lawsuit stemmed from customers’ complaints of being left without functional air conditioning during sweltering temperatures after requesting service through their CHW warranties.
It’s important to note that this lawsuit is still pending, and the company has not been proven wrong or guilty.
While CHW has gotten into some hot water with lawsuits and a lack of BBB accreditation, real-world users give the company much higher ratings than one might think just by looking at the headlines.
Choice Home Warranty currently stands at 3.6 stars out of 5 based on 14,089 Google reviews. Trustpilot users give the company 3.7 stars out of 5 based on nearly 35,000 reviews.
Most of the negative reviews of CHW are tied to Choice Home Warranty HVAC coverage and Choice Home Warranty electrical coverage. Choice Home Warranty appliance repair reviews tend to be much more positive by comparison.
The big issue with poor Choice Home Warranty reviews and ratings seems to come down to the company’s handling of slow repairs and heavy denials for major systems.
A number of customers have shared that the company can be very slow to approve authorizations for repairs on heating and cooling systems. Others were upset to discover that the technicians dispatched to their homes were not equipped to do the work that needed to be done.
Finally, many reviewers were frustrated by Choice Home Warranty claim denial reasons that made them feel like their contracts misrepresented coverage.
CHW’s Basic plan covers 14 appliances and systems. This is one of the only companies that includes heating, electrical, and plumbing in the basic tier. While the Basic plan covers most of your home’s appliances, you’ll need to jump up to the Total plan to get your refrigerator, washer and dryer, and air conditioning covered.
CHW also allows you to purchase add-on coverage for specialty items. Optional coverage is available for the following:Extra freezer
Choice Home Warranty has some pretty hefty exclusion policies. Under the Choice Home Warranty pre-existing conditions clause, all regularly covered items are excluded from coverage if they have pre-existing issues. Coverage also excludes the following:
Full repair or replacement costs aren’t necessarily covered on covered items. CHW policies cap payouts for covered items at $3,000 per item per 12-month contract cycle. This cost includes access, diagnosis, repair, and replacement. Most add-on items are capped at $500 per claim.
CHW customers can log in online to submit new claims 24/7. The online portal also makes tracking a claim’s progress easy. For customers who prefer to call, the claims department can be reached at (888) 373-7924. Choice will send an in-network service provider within 48 hours of receiving a claim. Customers can expect delays when claims are filed outside of normal business hours.
Choice Home Warranty doesn’t make guarantees for turnaround times on getting items repaired or replaced. While they will try to dispatch a tech to your home within 48 hours, the company cannot guarantee that the technicians will have the equipment, materials, or skills needed to take care of the problem on the spot. Your technician may also need to wait for authorization while CHW reviews your claim against what’s covered in your policy. Some customers find that Choice Home Warranty claims process time can stretch out for weeks.
Choice Home Warranty is one of the only home warranty companies to operate a 24/7 call center to help customers get their worries addressed around the clock. The general impression that customers have about CHW’s customer support team is that they are generally very helpful and responsive until there is some kind of hiccup in the claims process. While agents are extremely helpful when activating claims, customers say that they sometimes won’t hear back from reps for days or weeks while authorization is pending.
While claims can be filed online, you’ll need to call the customer service phone number to activate the Choice Home Warranty cancellation process. Customers are free to cancel at any time.
However, your refund will be prorated. CHW will deduct the amount for any services you’ve used. If the dollar amount for the services provided to you prior to your cancellation date is greater than the amount you’ve paid in contract fees, you’ll actually owe CHW money.
There’s also a $50 cancellation fee.
Choice Home Warranty coverage transferability allows you to transfer coverage at any time with no additional fees or penalties.
CHW’s network of more than 25,000 contractors is one of the largest in the industry. Contractors that provide services for CHW act as independent contractors.
Unfortunately, the company provides very little information regarding how it selects and approves contractors for its networks. This makes verifying Choice Home Warranty contractor quality difficult. We were able to find out that all technicians must meet the minimal requirements of having a current trade license, carrying general liability insurance, and possessing automobile insurance.
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