Complain about a product or service

Choice Home Warranty

Choice Home Warranty responds:

Claudia of Nashville, TN June 16, 2009 - We are not and have never been associated with National Home Protection, this is a lie and is damaging to our reputation.

Tomi of Marietta, GA March 19, 2009 - We have no customer by this name in the entire state of GA. Please remove this post as it is damaging to our reputation.

rcl of jacksonville, FL July 3, 2009 - Choice Home Warranty does not currently sell warranties in the state of Florida, therefore this complaint must be fraudulent, Please remove this post as it is damaging to our reputation.

Charles Dillon
VP
Home Warranty
510 Thornall Street
Edison, NJ 08837

R. of Mendham, NJ April 2, 2009

R. of Mendham NJ (04/02/09)
Why is a Choice Home Warranty a bad mistake? Because the only way you can even hope they will honor what they profess to cover is to spend several hundred dollars each year on maintenance in addition to their contract price of 450-500. Like so many others I recently learned the hard way. They glibly refer you to section 9.1.2 in their contract, and this is their catch all loophole in which they are able to legally deny claims. Legal, yes. Ethical? Fair? Reasonable? Not in the least.

Briefly, you are required to have professional service people come in yearly to perform maintenance for each appliance or system in your home, and you have to keep the records for 5 years. Even the IRS only asks for 3 years. The home owner is not allowed to perform this maintenance. So assuming a home has a heating system, AC, a hot water heater, appliances, etc., you are being forced to spend money on each of these yearly or they will refuse to honor the warranty. In order to cover these items requires you to spend 500, 600, 700 per year. Add that to their contract price and you are now talking about an insurance policy that really costs between 950 and 1150 EACH YEAR. In two years time if you just put this money in a savings account you would have enough to pay for almost any system that broke.

So, bottom line, how does a Choice Home Warranty make economic sense? IT DOESN'T.

Oh, one other item. My problem was a hot water heater. I had been with American Home Shield for three years, as was my neighbor. He had a similar problem last year and they replaced his water heater for the 55.00 service fee. Foolishly I had decided to switch to Choice and they refused to honor the contract due to section 9.1.2 even though I could prove that I'd had continuous coverage. Incredibly they even have an out there. If you don't show them proof of an existing contract within 15 days of signing up with Choice, they act as if an existing contract never existed! DUH!

So I had to spend 1900 today and I can't get out of the Choice contract, but I will never get another one of these contracts again.

The economic damage is I paid Choice Home Warranty 450 for a contract and then also had to pay 1900 for a new hot water heater only because of their loopholes which I did not read.

Tomi of Marietta, GA March 19, 2009

Tomi of Marietta GA (03/19/09)
while under contract my heat system broke down. Long story short, choice did not want to pay for the repair even though I followed the contract.

I had to spent for the repair from my pocket. STAY AWAY FROM CHOICE HOME WARRANTY

Tracy of Fountain Hills, AZ January 21, 2009

Tracy of Fountain Hills AZ (01/21/09)
I have a Consumer purchased home warranty with Choice Home Warranty. My dishwasher recently broke and was deemed unrepairable. I was given two options for replacement I could wait 8-12 weeks for a new dishwasher or could buy out for 113.00 which was the wholesale purchase price of the replacement dishwasher that was on back order.

No dishwasher for 8-12 + weeks or pay the difference between the cash out and a new dishwasher plus installation.

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