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Wednesday, June 23rd
Choice Home Warranty has been in the home warranty coverage industry for about a decade. We appreciate that Choice Home Warranty has improved its track record over the years, going from a D- (or worse) to a C+ with the Better Business Bureau.
But, compared with their competition, Choice still comes up short in a number of ways. The main way to get specific information about their plans - coverage, pricing, and so on - is to call or submit your information for a free quote. We prefer working with businesses that are completely transparent with what they cover and how much it'll cost.
It took some digging, but we were able to find their Coverage lists on the What's Covered page; check the Homeowners or Buyers/Sellers tabs to get there most easily. According to that list, Choice Home Warranty offers two plans: Total and Basic. As with most home warranty companies, you'll have to read the contract to know what's excluded; you'll find that link at the bottom of the coverage page, where you can see their extensive contract.
We also weren't thrilled with the difference we saw between what Choice Home Warranty said about their reputation and what we actually found. For example, their site features a 5-star "excellent" rating with a well-known, third-party rating system, but when we visited the actual third-party site, we found their average to be considerably lower. And, when we looked at customer reviews there, we discovered ample complaints specifically about Choice Home Warranty's pushy sales representatives. Since you can't get a quote or even sign up for a home warranty without working with a representative, brace yourself to be pushed repeatedly to commit to a multi-year service contract - and to possibly get a rude response from the rep if you insist on a one-year plan.
Customers also had issues with the process of getting repairs scheduled and completed. Often, they had to wait a day or longer just to get a vendor assigned to the repair, and then days (or more) to get a technician to their home.
While we're glad that Choice Home Warranty is on its way to a better reputation, they still have some ground to cover to compete with the higher-ranked home warranty companies on the market.
Whether you're a homeowner, landlord, or home seller hoping to sweeten the deal for prospective buyers, a home warranty can make a significant difference. From appliances like washers and dryers to home systems such as HVAC and electrical, home warranty policies protect you in the event of a malfunction or needed repair.
Given that the average costs of even a minor fix can easily run into the hundreds or thousands of dollars, it's easy to understand why many people purchase home warranties every month. The coverage purchased typically explains what is and is not covered, so you know exactly what you're getting. Also, most plans have some kind of deductible or service fee once a technician has been dispatched for your repair or claim.
You should be aware that home warranties are one of the most complained-about services available today. Why? The main reason is that customers don't pay attention to the fine print. When considering a home warranty policy, be sure to take a look at a sample contract. Like all warranty and insurance companies, they're hoping that you don't need to make a claim - and so many of the cosmetic, non-essential inner workings and components may be excluded from coverage.
However, if you take the time to educate yourself on the home warranty you're purchasing, there should be no unpleasant surprises, and your covered systems will be repaired in a timely fashion by a licensed, reputable technician.
As you decide which company earns your business for a home warranty plan, here are several criteria to consider:
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