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Choice Home Warranty vs 24-7 Home Warranty

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CHOICE HOME WARRANTY

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.

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24-7 HOME WARRANTY

At first glance, 24-7 Home Warranty looks like a reasonably good choice for a home warranty plan. Who wouldn't want "your own personal service technician always on call", as they promise at the top of their site?

Their available plans consist of the following:

  • Home Appliances: dishwasher, stove/oven, refrigerator, built-in microwave, washer dryer, for $10.99/month or $129/year
  • Major System: internal electrical/plumbing, central AC, heating system/pump, water heater, ductwork, garage door opener, for $24.99/month or $299/year
  • Comprehensive System: covers all of the items listed under Home Appliances and Major System, for $34.99/month or $399/year

The reimbursement cap is $1500 per appliance and most covered systems, $500 for the water heater, and no limit for the garage door opener.

Since our last evaluation of 24-7 Home Warranty, the company has received a listing on the Better Business Bureau site. This home warranty provider does not currently have a rating; that can be a plus or a minus, but at least there have been no registered complaints with the BBB. In poking around on the 24-7 site, we found their "In The News" section, with only two articles dated 10 years earlier.

We also weren't thrilled with the fact that the 24-7 Home Warranty site itself is not secure (it's http and not https). We had to click past the browser security warnings just to access the website.

Our impression of 24-7 Home Warranty is that they are essentially a reseller: their About Us clearly states that their plans are offered by The Warranty Group, headquartered in Chicago (while 24-7 is based in Utah). And, if you look at the tiny print at the bottom of the site, you'll see that coverage of home appliances, comprehensive systems, and major systems is provided and administered by yet another group of companies, depending on your state of residence. They also do not offer plans for residents of CA, NV, or VA.

So, does 24-7 Home Warranty actually deliver? Given that they seem to outsource everything about their business, the best answer we can give is "it's anyone's guess". With so many inconsistencies on the site, outdated information, and evidence that they don't actually service any plans that they sell, 24-7 Home Warranty ranks very low among companies offering protection for your appliances and home systems.

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Best Home Warranty

To help you find the Best Home Warranty Companies, TopConsumerReviews.com provides you with an in-depth comparison of Choice Home Warranty and 24-7 Home Warranty.

Who has the best Home Warranty? 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:

  • Coverage. What is included, and what is specifically excluded? Do the plans offered cover the systems and appliances you most want to protect?
  • Premiums and Fees. What will you pay for your coverage? Will you pay monthly, quarterly, or yearly? What are the fees you pay for service calls? Do you have a deductible?
  • Reputation. What is the company's rating with the Better Business Bureau, if they have one? What do current and previous clients have to say about the home warranty, both during the purchasing process and especially during the claims/repairs experience?

TopConsumerReviews.com has reviewed and ranked the best home warranty companies available today. We hope this research helps you find the best home warranty policy for your home or rental property!



Home Warranties In The News

What to Know About Buying a Home Warranty

When you buy a home, it's normal to worry that something may go wrong. Perhaps you'll move in only to find that the fridge has gone on the fritz or that your plumbing has turned your basement into a s...

Published:  Wed, 11 Jul 2018 15:22:00 GMT



Kansas City woman fights home warranty company; wins with help of KCTV5

A Kansas City woman warns it's easy to pay a monthly payment for a home warranty but getting any real response when an appliance breaks down is a mess. Louella Henderson's battle with Choice Home Warr...

Published:  Fri, 13 Jul 2018 05:10:00 GMT



Ask the Expert: What type of warranty coverage is important when replacing my windows

In some cases, certain manufacturer warranties won't cover you if your home sits within a 5-mile radius of a body of water, as salt water can damage the outer surface of your windows. If installing a ...

Published:  Thu, 05 Jul 2018 03:07:00 GMT



The Alberta New Home Warranty Group and Rogers Insurance Announce a New Strategic Partnership

CALGARY, July 12, 2018 /CNW/ - Rogers Insurance and The Alberta New Home Warranty Group (ANHWP) today announced that they have entered into a new strategic partnership. Lori Topp, CEO at ANHWP says "A...

Published:  Thu, 12 Jul 2018 20:19:00 GMT



News 4 gets results for woman dealing with home warranty company

News 4 got results for a woman who said American Home Shield would not fully replace the air conditioning unit that was failing at her home. A Festus landscaper is trying to figure out what's next aft...

Published:  Fri, 13 Jul 2018 22:42:00 GMT



Summer Housing Market Heating Up, Florida Homeowners Really Benefit from Home Warranty Coverage

The Florida real estate market has steadily been improving since the global financial crisis. The summer housing market is heating up quickly, and this means that demand is rising, and prices are foll...

Published:  Wed, 11 Jul 2018 12:33:00 GMT



"When you invest in your home" you expect it to last for a very long time," Blake Herbst, Bloedorn Lumber in Lander

So you can paint it after your warranty on the finish has ended for another 20 years of longevity. Survive the Storm If your home and crops were victim to the recent storm that came through Pavillion- ...

Published:  Mon, 16 Jul 2018 15:31:00 GMT



Alternatives To Home Warranties

Their stories just keep coming in. People who bought home warranties, pay a monthly fee and say their warranty doesn't pay. The producers in our consumer investigative center have investigated more th...

Published:  Thu, 05 Jul 2018 14:30:00 GMT



49 days to fix an air conditioner Home warranty customer is steaming

Len Torine said it took 49 days and more than 45 hours of phone calls with 32 customer service representatives to get his air conditioner fixed. Torine said he bought a warranty for his East Hanover c...

Published:  Tue, 03 Jul 2018 04:55:00 GMT



Dear Monty: 6 tips when buying a home warranty

Reader Question: We are buying a home, and the agent suggested a home warranty to replace or repair things that wear out. The warranty covers such items for a year, after which time we can renew the c...

Published:  Tue, 26 Jun 2018 07:39:00 GMT




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