choice home warrenty
What is a Home Warranty?
A home warranty is a service contract that provides coverage for the repair or replacement of major home appliances and systems in the event of a mechanical failure or breakdown. Home warranties are typically purchased by homeowners to protect their homes from unexpected repair costs.
The coverage provided by a home warranty can vary depending on the plan and provider, but typically includes items such as heating and cooling systems, plumbing and electrical systems, water heaters, appliances, and other major components of a home. Some home warranty plans also offer optional coverage for items such as pool and spa equipment, well pumps, and septic systems.
When a covered item breaks down, the homeowner can file a claim with the home warranty provider, who will send a licensed contractor to diagnose and repair the problem. The homeowner is responsible for paying a service fee or deductible for each service call, which is typically much lower than the cost of the repair or replacement.
It's important to note that home warranties are not the same as homeowners insurance, which covers damages to a home from events such as fires, theft, and natural disasters. Home warranties are designed to provide protection against normal wear and tear on major home systems and appliances.
What Is Choice Home Warranty?
Choice Home Warranty is a leading provider of home warranty services in the United States. It offers comprehensive coverage for major home systems and appliances, including heating, cooling, plumbing, electrical, and more.
Choice Home Warranty offers two levels of coverage: a Basic Plan and a Total Plan. The Basic Plan covers essential home systems, such as heating, electrical, and plumbing, while the Total Plan provides more comprehensive coverage that includes appliances like refrigerators, dishwashers, and washers/dryers.
In addition to its coverage options, Choice Home Warranty provides several benefits to its customers, including a 24/7 customer service hotline, a network of licensed and pre-screened contractors, and a 30-day satisfaction guarantee.
Choice Home Warranty has received numerous awards and recognitions for its quality of service, including being named the "Best Home Warranty Company" by Consumer Affairs in 2021.
Overall, Choice Home Warranty is a reputable and reliable provider of home warranty services, offering comprehensive coverage options and excellent customer service to homeowners across the United States.
Why Choice Home Warrenty?
Choice Home Warrenty is a home warranty provider that offers coverage for major home systems and appliances. Here are some reasons why people may choose Choice Home Warranty:
- Comprehensive coverage: Choice Home Warranty offers coverage for a wide range of home systems and appliances, including HVAC, plumbing, electrical, and kitchen appliances.
- Flexible plans: Choice Home Warrenty offers several plans to choose from, allowing homeowners to select the coverage that best suits their needs and budget.
- 24/7 customer service: Choice Home Warranty offers round-the-clock customer service, so homeowners can get assistance with claims or questions at any time.
- Experienced technicians: Choice Home Warranty works with a network of experienced and licensed technicians who can diagnose and repair covered items.
- Affordable pricing: Choice Home Warranty offers competitive pricing and low service fees, making it an affordable option for homeowners looking for protection against unexpected repair costs.
It's important to do your own research and compare multiple home warranty providers before making a decision. Look at the specific coverage offered, customer reviews, and pricing to determine which provider is the best fit for your needs.
What Does a Home Warranty Company Cover?
The specific items and systems covered by a home warranty company can vary depending on the plan and provider. However, most home warranty companies offer coverage for the following:
- Heating and cooling systems: This includes the furnace, air conditioning unit, and ductwork.
- Plumbing systems: This includes the water heater, pipes, and drains.
- Electrical systems: This includes the electrical panel, wiring, and outlets.
- Kitchen appliances: This includes the refrigerator, stove/oven, dishwasher, and garbage disposal.
- Laundry appliances: This includes the washer and dryer.
- Garage door opener: This includes the motor and track.
- Ceiling fans: This includes the motor and blades.
Some home warranty companies may also offer additional coverage for items such as pool and spa equipment, well pumps, and septic systems. However, it's important to read the contract carefully and understand what is and isn't covered before purchasing a home warranty.
It's worth noting that home warranties typically don't cover pre-existing conditions, cosmetic damage, or items that have been improperly maintained. Additionally, there may be limits on the amount of coverage provided for each item and a maximum annual limit for all claims.
Choice Home Warrenty Plans
Choice Home Warrenty offers two main plans: the Basic Plan and the Total Plan. Here's an overview of each plan:
Basic Plan: The Basic Plan covers essential home systems, including:
- Heating System
- Electrical System
- Plumbing System
- Plumbing Stoppages
- Water Heater
Total Plan: The Total Plan provides more comprehensive coverage that includes everything in the Basic Plan, plus:
- Air Conditioning System (including ductwork)
- Refrigerator
- Oven/Range/Stove
- Cooktop
- Dishwasher
- Built-In Microwave
- Garbage Disposal
- Clothes Washer
- Clothes Dryer
- Garage Door Opener (including electrical components)
Both plans have a service call fee of $60, which is due when a service technician is dispatched. The cost of the plans can vary depending on the location and the specific coverage options chosen.
Choice Home Warrenty also offers optional coverage for additional items, such as pool and spa equipment, well pumps, and septic systems, for an additional fee.
It's important to carefully review the coverage and limitations of each plan before making a purchase to ensure it meets your individual needs and budget.
What does Choice Home Warranty cover?
Choice Home Warrenty covers a wide range of major home systems and appliances, including:
- Heating system
- Air conditioning system (including ductwork)
- Plumbing system
- Electrical system
- Plumbing stoppages
- Water heater
- Refrigerator
- Oven/Range/Stove
- Cooktop
- Dishwasher
- Built-in microwave
- Garbage disposal
- Clothes washer
- Clothes dryer
- Garage door opener (including electrical components)
In addition to these items, Choice Home Warrenty also offers optional coverage for additional items, such as pool and spa equipment, well pumps, and septic systems, for an additional fee.
It's important to note that Choice Home Warrenty has some limitations and exclusions, and certain items may not be covered under certain circumstances. It's important to carefully review the terms and conditions of the policy before making a purchase to ensure you understand what is covered and what is not.
Overall, Choice Home Warrenty provides comprehensive coverage for major home systems and appliances, giving homeowners peace of mind and protection against unexpected repair costs.
What does Choice Home Warrenty not cover?
While Choice Home Warrenty covers a wide range of major home systems and appliances, there are some limitations and exclusions to its coverage. Here are some examples of items that are not covered by Choice Home Warrenty:
- Pre-existing conditions or defects: Choice Home Warrenty does not cover items that were known to be defective or in need of repair before the policy was purchased.
- Improper installation or maintenance: If an item breaks down due to improper installation or maintenance, it may not be covered by the warranty.
- Cosmetic damage: Choice Home Warranty does not cover cosmetic damage, such as scratches or dents, to covered items.
- Acts of God or natural disasters: Damage caused by acts of God, such as earthquakes or floods, are not covered by the warranty.
- Non-mechanical components: Choice Home Warranty does not cover non-mechanical components of covered items, such as knobs, buttons, or handles.
- Homeowner negligence: If an item breaks down due to homeowner negligence or misuse, it may not be covered by the warranty.
It's important to carefully review the terms and conditions of the policy before making a purchase to ensure you understand what is covered and what is not. Additionally, if you have any questions about coverage or a specific item, it's a good idea to contact Choice Home Warrenty directly for clarification.
Where Is Choice Home Warrenty Available?
Choice Home Warrenty is available in 48 states across the United States, including:
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
However, the availability of specific coverage options and pricing may vary by state. It's important to check the coverage options and pricing available in your state before making a purchase.
Home Warrenty Benefits
There are several benefits to having a home warrenty, including:
- Peace of mind: A home warranty can provide peace of mind by protecting you against unexpected repair or replacement costs for major home systems and appliances. If something breaks down, you can file a claim and have it repaired or replaced quickly and easily.
- Cost savings: The cost of repairing or replacing a major home system or appliance can be expensive. With a home warranty, you pay a relatively small service fee or deductible for each claim, which can save you money in the long run.
- Convenience: When something breaks down, a home warranty company can send a licensed contractor to diagnose and repair the problem. This can save you time and effort in finding a reputable contractor and scheduling repairs.
- Increased home value: A home warranty can increase the value of your home and make it more attractive to potential buyers if you decide to sell in the future.
- Predictable budgeting: With a home warranty, you pay a fixed annual premium and a small service fee or deductible for each claim. This can help you budget for unexpected repair costs and avoid surprises.
It's important to note that home warranties are not the same as homeowners insurance, which covers damages to a home from events such as fires, theft, and natural disasters. Home warranties are designed to provide protection against normal wear and tear on major home systems and appliances.
Is it Worth it to Have a Home Warrenty?
Whether or not a home warrenty is worth it depends on your individual situation and needs. Here are some factors to consider:
- Age of home and appliances: If you have an older home or older appliances, they may be more prone to breakdowns and repairs. In this case, a home warranty may be worth it as it can provide protection against unexpected repair costs.
- Cost of repairs: If you're comfortable with the risk of paying for repairs out of pocket, a home warranty may not be necessary. However, if you're concerned about the potential cost of repairs, a home warranty can provide peace of mind and protect you against unexpected expenses.
- Availability of contractors: If you're not familiar with contractors in your area or have difficulty finding a reliable one, a home warranty can be beneficial as it provides access to a network of licensed contractors.
- Budget: If you have a limited budget or prefer to have predictable expenses, a home warranty can help you budget for unexpected repair costs.
- Covered items and exclusions: It's important to carefully review the coverage provided by a home warranty and any exclusions or limitations before purchasing. If the items you're most concerned about are not covered or have limitations, a home warranty may not be worth it for you.
In summary, a home warranty can be worth it for some homeowners, particularly those with older homes or appliances, concerns about unexpected repair costs, and limited knowledge of contractors in their area. However, it's important to carefully review the coverage provided and your individual needs before making a decision.
What Is the Average Cost of a Home Warrenty?
The average cost of a home warranty can vary depending on several factors, including the provider, plan, and coverage level. Typically, home warranty plans cost between $350 to $600 per year, with an additional service fee or deductible for each claim.
Most home warranty companies offer several plans to choose from, with varying levels of coverage and pricing. Basic plans usually cover major home systems, such as heating, cooling, plumbing, and electrical, while more comprehensive plans may include coverage for appliances like refrigerators, dishwashers, and washers/dryers.
In addition to the annual premium, there may be additional costs associated with a home warranty, such as service fees or deductibles for each claim. These fees typically range from $50 to $150 per claim.
It's important to carefully review the coverage and pricing of a home warranty plan before purchasing, as well as any limitations, exclusions, and terms and conditions. Doing so will help you determine if a home warranty is worth the cost for your individual needs and budget.
What is a Home Protection Plan?
A Home Protection Plan, also known as a Home Service Contract, is a type of service agreement that provides coverage for the repair or replacement of major home systems and appliances due to normal wear and tear. It's similar to a home warranty in that it provides protection against unexpected repair costs.
Home Protection Plans typically cover major home systems, such as heating, cooling, plumbing, and electrical, as well as appliances like refrigerators, dishwashers, and washers/dryers. When a covered item breaks down or malfunctions, the homeowner can file a claim with the service provider, who will send a licensed contractor to diagnose and repair the problem.
Like a home warranty, there is an annual premium and a service fee or deductible for each claim. The cost of a Home Protection Plan can vary depending on the provider, plan, and coverage level.
It's important to note that Home Protection Plans are regulated differently than home warranties and may have different terms and conditions. It's important to carefully review the coverage and pricing of a Home Protection Plan before purchasing to ensure it meets your individual needs and budget.