Choice Home Warranty Review: Is it Worth the Price?
This New Jersey home warranty company offers repair and replacement services for essential system components and appliances covered under the policy. Homeowners looking for an easy way to maintain the value of their properties without constantly incurring expensive repair costs will find that this particular offer is ideal for their needs.
I liked:
- Plan prices lower than competitors
- Coverage does not necessitate a home inspection
- A 90-day warranty covers parts
- Guaranteed labor for service repair for 30 days
- In some cases, coverage might begin in as little as 30 days
I didn't like:
- Customers are unable to select their technicians or modify their plans
- Optional roof leak coverage is limited to $500
Choice Home Warranty Plans and Pricing
Choice Home Warranty provides policyholders with two different service plans for their home warranties. These plans are the Basic Plan and the Total Plan. However, for comprehensive protection, you should get the Total Plan. It provides coverage for necessities not included in the Basic Plan, such as a home's air conditioning system, refrigerator, washing machine, and dryer. The Total plan costs $55 a month or $660 for 13 months.
Additionally, there is a service visit fee of $85. This plan covers everything required to be covered by a home warranty. The Basic plan has a monthly cost of $46.73, or $560 annually. It is ideal for individuals who do not wish to cover the expense of air conditioning, refrigerator, washing machine, and dryer. The plan is $46.83 per month. The following is a list of the components included in both the complete plan and the basic plan.
| Items covered | Basic plan | Total plan |
|---|---|---|
| Microwave | ✓ | ✓ |
| Heating systems | ✓ | ✓ |
| Plumbing System | ✓ | ✓ |
| Plumbing Stoppage | ✓ | ✓ |
| Electrical System | ✓ | ✓ |
| Whirlpool Bathtub | ✓ | ✓ |
| Water Heater | ✓ | ✓ |
| Oven | ✓ | ✓ |
| Range | ✓ | ✓ |
| Stove | ✓ | ✓ |
| Cooktop | ✓ | ✓ |
| Dishwasher | ✓ | ✓ |
| Built-in microwave | ✓ | ✓ |
| Garbage disposal | ✓ | ✓ |
| Garage door opener | ✓ | ✓ |
| Ductwork | ✓ | ✓ |
| Ceiling Fans | ✓ | ✓ |
| Exhaust Fans | ✓ | ✓ |
| Refrigerator | ✓ | |
| Air conditioning | ✓ | |
| Clothes washer | ✓ | |
| Clothes dryer | ✓ |
Choice Home Warranty Plans
Their Basic Plan incorporates the majority of things required in a house. The Basic Plan provides coverage for everything from the electrical and plumbing systems to the appliances in the kitchen. On the other hand, the range provided by the Total Plan extends to both air conditioning systems and laundry washing and drying appliances. The coverage of the two plans is restricted to a single unit, system, or appliance in all cases except for those involving heating and cooling systems.
The coverage for the various appliances is the primary difference. The Total Plan is the best choice to make if you want to ensure that even the costliest home equipment, such as refrigerators, washers, and dryers, are covered in a breakdown. If, on the other hand, you intend to evaluate the age of the home's systems and the typical age of the appliances, then it is possible that you will not need coverage for more recent pieces of equipment such as washers, dryers, and refrigerators. The Basic Plan will be the best option for you.
Here is a complete overview of what one can get with the primary and total plans.
- This two-plan covers all components and parts of the clothes dryer, washer, built-in microwave, oven, cooktop, range, dishwasher, and garbage disposal.
- Motors, switches, controls, and bearings are all covered within the ceiling and exhaust fan category.
- Water leaks and breaks, shower and tub valves, and line stoppages up to 100 feet from an access point are all part of the plumbing system.
- Compressors and condenser coils covered by air conditioning.
- The electrical system covers Direct Current (D.C.) wiring and lighting fixtures.
- Tankless water heaters and circulating pumps covered by gas or electric water heaters.
This company also offers a one-month free trial, a tempting offer for plan purchasers.
Choice Home Warranty Add-Ons
Customers who purchase a Choice Home Warranty can pay an additional fee to obtain protection for things that aren't covered by the plans they have purchased. Before purchasing a homeowner's warranty from a company, it is wise to familiarize oneself with the user agreement terms. This will help one understand the full extent of the coverage offered by the company and what is and is not covered by the insurance. After choosing either the Basic or Total plan, customers have the option of adding any or all of the following supplemental protections:
- Central vacuum
- Well pump
- Second refrigerator
- Pool and spa
- Limited roof leaks
- Septic system
- Standalone freezer
- Sump pump
- Septic tank pumping
Choice Home Warranty Caps or Limitations
Choice Home Warranty protects a wide variety of systems and appliances; however, there is no guarantee that it will cover the total expense of any required repairs or replacements. According to the sample agreement, the corporation is responsible for paying for access, diagnosis, repair, or replacement that will never exceed $3,000 for each item covered by the contract. This indicates that once the maximum price of $3,000 for a particular item has reached, the purchaser is responsible for any additional expenditures that may occur.
Choice Home Warranty will not pay more than $1,500 for specific heating systems, and it will not pay more than $500 for whirlpool tubs in the event of a covered malfunction. The maximum allowable amount each year is $15,000 in total.
Choice Home Warranty Coverage Exclusions
Choice Home Warranty does not cover pre-existing conditions. The following are some of the things that aren’t covered:
- Maintenance of air conditioning systems and accompanying registers or grills
- Decorative items like rollers, knobs, handles, and doors
- For water heater coverage, sediment build-up or reservoir tanks are excluded
- Damage caused by theft, fire, and storm damage
- The water heater's coverage does not include holding tanks, vents, or thermal expansion tanks
Choice Home Warranty: the Bottom Line
Homeowners seeking a policy that is both affordable and flexible in its coverage options will find that Choice Home Warranty is, without a doubt, the best alternative available. Customers can save a significant amount of money and time thanks to the company's two plans and the add-ons. Customers have a pleasant experience overall due to their thorough contractor selection and the many home warranty issues stated in the policy. In addition, they are superior to other home warranty businesses in terms of pricing and customer service. If you do not live in either of the two states in which they do not provide service, this is an excellent alternative for you to consider. If nothing else, American Home Shield is a solid option to consider.
FAQ
Why Should You Purchase a Home Warranty Even if You Have Homeowners Insurance?
Your homeowner's insurance is a type of insurance known as hazard insurance, and it only covers things damaged in natural catastrophes such as fires, floods, and winds. A home warranty will fix appliances and mechanical systems in the home that have been properly maintained but have broken down due to normal wear and tear.
What precisely is covered by a house warranty?
A home warranty is comparable to an insurance policy that protects the systems and appliances in your home. It is a service contract that pays for repairing or replacing specified home appliances and equipment if they get damaged or cease to function properly. This is not the same as homeowners insurance, even though people think that the two are interchangeable. In the event of a natural disaster, homeowners insurance protects the physical structure of your home and your items. On the other hand, a home warranty protects your home's systems and appliances if they sustain damage due to normal use and tear.
What does it include in its scope?
As we've established, House warranties extend protection to both the primary home systems and the major home appliances. When working with Choice Home Warranty, you also have the option to purchase additional coverage for appliances or systems that home warranty providers don’t normally cover, but have a propensity for having expensive repair bills. Choice Home Warranty offers options comparable to those provided by several other home warranty plans; nevertheless, the company's warranty coverage is among the most extensive available.
Why should a homeowner invest in a house warranty? Do you require one?
The primary selling point of home warranty plans is that they give homeowners the peace of mind that comes with knowing that the major appliances and systems in their homes are protected against the normal wear and tear that occurs over time. The fact of the problem is that not a single item or system in a house is designed to last throughout the full duration of a person's time living in that house. For example, the typical lifespan of a refrigerator is 13 years, and throughout that period, it will most certainly require a great deal of maintenance and repair. Regular use will inevitably lead to wear and tear, resulting in excessively high repair costs. According to Consumer Reports' deputy home editor Celia Kuperszmid Lehrman, home repair expenses are only likely to go up as home appliances and systems become more and more complicated (and more and more sophisticated).
Who wouldn't benefit from having a house warranty?
Some homeowners would rather put money away if they need it for unexpected repairs to their systems and appliances. Others choose to conduct their diagnostics, shop for replacement components, and perform their repairs using do-it-yourself methods. Be cautious to consider how likely it is that you will be able to use the warranty you purchased. Before making a decision, you should first go over the terms and conditions of the sample contract and the coverage choices. If you are not the type of person willing to pay upfront, even though doing so could potentially reduce cost, you may want to take your chances and avoid simply purchasing a house warranty. If you are the type of person who enjoys making preparations in advance, purchasing a home warranty may provide you with additional peace of mind.
What distinguishes a home warranty from the guarantee provided by the original manufacturer?
A new system or appliance will typically come with a warranty that the manufacturer issues. This warranty will typically last between one and two years. An older computer or gadget will not have a manufacturer's warranty. Although most policies cover repairing damaged or defective parts, some policies exclude the cost of labor, even though this expense can quickly add up.
In contrast, a house warranty is a type of service contract that provides the homeowner with various benefits. You may buy a home warranty at any point during the lifetime of a system or appliance, and for the price of one plan, you can get protection for several things, ranging from a built-in microwave to a clothes dryer. If you choose the appropriate home warranty provider, you will also have access to a network of knowledgeable professionals who are always willing to help you with your claim.
