EDISON, NEW JERSEY -- Choice Home Warranty did not cover my ice-maker (which I paid extra for), ceiling fan or dishwasher. I could get them fixed if I wanted to pay an exorbitant price for materials to have them replaced. Effectively, I could have purchased the products and had them installed for the price that Choice was giving me to fix them. All of these appliances were covered by contract but they refused.
By the way, they will not put into writing (email) the reasons why they refused to fix the appliance as it would be too easy to take them to small claims court, they will only tell you over the phone. My fault for not checking with the BBB first as I would have seen everything I needed to decide not to pick Choice. They were fined more than $800,000.00 in 2015 in NJ alone! Unfortunately, the BBB story in my State is the same. Do not make the WRONG Choice, Choice Home Warranty.
Stay away from this Choice Home Warranty company as it's waste of money. They say they will cover most but they don't cover as for each and every thing, there will be a special condition somewhere that you don't read. I ended up paying more money when I went through this warranty for my refrigerator repair and moreover it costed more to cancel the policy also. Funny thing, I was told that they will give me the prorated money when I cancel the policy but they said the policy that I got was on discount so they deducted more monthly premium than I paid. Total waste of time and money... Stay away from this company.
PANAMA CITY BEACH, FLORIDA -- I have had two properties for over three years with Choice Home Warranty. They have yet to repair any of the items. Nothing seems to ever be covered under their "Contract". Buyer beware! American Horror Shield is 100% better at repairing claims, and that isn't saying much. How Choice Home Warranty legally stays in business is a surprise to me. I wouldn't be surprised if a Class Action Lawsuit is in the making for falsely representing repairs they claim to cover upon signing up for their services. Seriously, don't let their "lower priced, more coverage, even your roof" advertising fool you. They literally cover nothing. Best to put that monthly payment in a piggy bank.
EDISON, NEW JERSEY -- First tech person brought no tools, didn't look at back of refrigerator (losing coolness). Called next day said, "Probably wasn't resolved." He said freezer rack was in backwards & he reversed it. Said, "Turn off refrigerator for 6 hours." It never regained coolness. Called company, they returned my call late next day, said no one was available to return to look at the unit. Next tech person came a few days later (I live in NYC & was told there are hundreds of tech people to fix things available, at least when I was signing up that's what they said.)
Next tech support came 5 days after the last one, he did look at the back of the refrigerator, said new compressor was needed, also computer board and coils cleaned. CHW denied claim, said it was my fault it happened. Tech support offered to fix it for $550. Then Choice Home Warranty offered $100. No more bad money after good.
HOUSTON, TEXAS -- Had 3 claims. All have been denied. First no hot water coming from shower head. Denied because they said was too easy to fix. Second claim, Air Conditioning not cooling. Denied, because they said it was not from normal wear and tear.
Third plumbing stoppage, cleared that night and paid for. Called CHW they refused to reimburse because they said it could not be repaired by cable line. Funny they were never there and that in fact, how it was repair, using a cable line. Filed complaints with BBB, Texas Attorney General Office, New Jersey Attorney General's office. Read article dated June 15, 2015, CHW pays 780,000 to customers for deceptive business practices to deny customers' claims.
EDISON, NEW JERSEY -- Called Choice regarding a leak by my water heater. They sent out a tech within 24 hours. Great! The water heater needs replacement. Since it is a covered item I felt wonderful. Told my wife what a great company to work with. I was premature.
They denied the claim. They said the issue was with the water tank and they do not cover the water tank. Mind you this is an integrated water heater with a sealed tank. Not an auxiliary tank. Have you ever heard anything so bizarre! I asked them what on earth do they cover since they claim they cover the water heater and components. They are dishonest and deceitful with the worst customer service department. Attempts to resolve this failed. I kept getting the same story.
EDISON, NEW JERSEY -- Yes I wish I could give them a zero star. During the sales process, the representative called me and they earned my business because First Choice. Whenever $1750 for 6 years then on 05/02/2017 my ac went out. I called for service. They send out tech and charge me $45.00 and left. They did not call me but send an email to call them back and I did that when they told me that will not cover the ac compressor. It got hot. That why it shorted to ground.
PS: This is Florida. It hot 90% of the time. We went back and forth for 10 day and they offered me a $500 to help me with the repair (WHAT THE **. THAT IS FRAUD). I want my money back. So let see what are they going to do about it. Please beware of this insurance company. Stay away for your own sake. Do not go with them.
If you are thinking on getting this insurance, read the fine print in their contract first. At the end, you may be paying an expensive insurance that covers almost nothing. We had two claims and both were denied. They advertise that they will replace your appliance when needed, but it is all misleading as they have fine print in their contracts that gives them a way out from approving a claim. In addition, the technicians that they work with are not real companies (all their emails are gmail.com, Yahoo.com, etc.) and do not carry enough insurance or are not bonded. Do not waste your money; the concept is good, but this company is in only for a profit.
CHURCHVILLE, PENNSYLVANIA -- When I signed the contract they said, "We will fix it or replace it." They didn't fix and didn't replace my dryer when it's died. They said, "We can't find the part you need to replace." They not fixed or replaced my air conditioner either. They said, "It has a rust in coil." I spoke with professional technician, who do it daily. He said, "Even new coil will have a rust in couple years, because of condensate." My air conditioner is much older, but they never mention any exclusions when they took my money upfront. Even more, they said, "It doesn't matter how old your equipment is."
When I spoke with supervisor about their awful service he proudly said, "We are covering almost 80% of our claims." If they said in the beginning they are not covered 20% of the cases on their choice I will never, ever sign this contract. Would you buy an insurance which is not guaranty the coverage? Very bad service, never recommend it to anyone.
EDISON, NEW JERSEY -- I researched home warranty programs when buying my home. Although a friend had a bad experience, I read the reviews (which are obviously false) and chose Choice Home Warranty. In the past year, I have had two small issues. One they refused to deal with at all, telling me to call the manufacturer, the other they just refused to fix.
Interestingly, the pool repair person who came out told me, at the door, before he ever looked at the pool equipment that Choice would not pay for any repair. He mentioned that he had submitted over 300 claims to them and they had refused 290 of them. Sure enough, he sent in the photos and they called immediately and said that the issue was not covered, DESPITE the fact that the contract SPECIFICALLY covered the issue. Customer Service was rude, Supervisor was ruder yet and I finally asked to cancel my contract AT WHICH POINT they had the nerve to mention a cancellation fee??? Do yourself a favor and choose wisely. Do not make this company your choice!