What Does A Home Warranty Company Cover? | Choice Home Warranty Explained

Choice Home Warranty has been loyal to its purpose of safeguarding homeowners, buyers, and sellers for over 13 years.

8 min read
By Prerna
What Does A Home Warranty Company Cover? | Choice Home Warranty Explained
Photo by Josh D / Unsplash

According to the Cornell Legal Information Institute, a home warranty is a service contract that covers a significant housing system–for example, plumbing or electrical wiring–for a predetermined length of time," according to the Cornell Legal Information Institute. These agreements shield homeowners from exorbitant repair fees. Home warranties protect you from unexpected appliance failures and system faults. Insurance coverage will not cover these expenses. If your refrigerator stops working or your plumbing backs up, you'll be covered by a house warranty. You will save both money and time as a result of this. Their service contracts guarantee prompt resolution of covered issues. They safeguard your house, your finances, and your time. A house warranty protects your home's systems and appliances from wear and tear. You decide how much coverage you want. You can create a plan that is unique to your home. A typical program includes the following:

  • Heating systems and ducts
  • Plumbing systems
  • Electrical systems
  • Water heaters
  • Kitchen appliances, including your oven, range, stove, cooktop, dishwasher, and built-in microwave
  • Garbage disposal
  • Whirlpool bathtub
  • Plumbing stoppage
  • Garage door opener
  • Exhaust fans
  • Ceiling fans

Choose a more comprehensive plan if you want more excellent coverage. All of the above are included in a Total Plan from Choice Home Warranty, as well as your:

  • Air conditioning
  • Refrigerator
  • Clothes washer
  • Clothes dryer

You can increase the amount of coverage in your plan. This allows you to create a plan that includes the features you require for your home. The following are some of the optional topics you can discuss:

  • Pool and spa
  • Central vacuum system
  • Well pump
  • Roof leaks
  • Sump pump
  • Septic system and septic tank pumping
  • Second refrigerator or a stand-alone freezer

Customize your warranty to cover the systems that are most important to you. You might be concerned about the age or safety of any of your home's components, and you can devise a strategy to safeguard such assets. Your system may require extensive repairs or replacement. Your warranty will provide you with all of the necessary protection in the event of a problem. A potential disaster is reduced to a minor task on your to-do list.

What is a Home Protection Plan?

The difference between a home protection plan and a home warranty is that a home protection plan is similar to a home warranty. It establishes the scope of coverage for repairs and replacements. When a home protection plan covers you, you don't have to look for local service providers or compare prices. The procedure for repair is straightforward, and the cost of repairs is covered, except for a trade call fee and any deductibles.

There is nothing else you need to do until your service provider arrives to complete the repair. Your plan will replace an item if it can't be repaired. A home security package provides peace of mind throughout the year. You won't have to worry about extensive repairs or replacements costing a lot of money. Carefully consider your options to find the most excellent match for your home and lifestyle. You now have affordable coverage that satisfies all of your requirements.

Why Choose Choice Home Warranty?

If you're in the market for a home warranty, you've probably heard about Choice Home Warranty. The company, founded in 2008 by Victor Hakim, provides service contracts for broken appliances. The company has more than 25,000 independent contractors nationwide who offer repair services for homes covered by their home warranty programs. As of this writing, Choice Home Warranty offers service contracts to more than 1.6 million households nationwide. You can learn more about it below.

Choice Home Warranty is available in all states except Washington

Choice Home Warranty is an excellent option if you want the peace of mind that comes with knowing you won't have to spend money on unexpected repairs. With an online quote tool and nationwide availability, you can quickly and easily compare rates from a number of home warranty providers. This company offers a nationwide warranty and partners with over 15,000 service technicians. However, there are some cons to choosing this warranty. It doesn't cover pre-existing conditions. In addition to the warranty's limitations, it also offers competitive rates and no inspection required.

Customer service is excellent. Choice Home Warranty processes 80% of claims within 4 hours. Their second largest network of service providers and technicians makes them an excellent choice. They also allow you to use both in-network and out-of-network contractors. While neither of these two companies have the best customer satisfaction rates, Choice Home Warranty offers some added benefits, such as no inspection required. Choose Home Warranty is available in all states except Washington.

Cancellation: If you decide to cancel your home warranty coverage, you can do so up to 30 days after signing up. You will be refunded the $50 administration fee and be able to file unlimited claims throughout the warranty term. Regardless of the reason for canceling, you can call customer service to get a full refund on pre-paid coverage. However, you must remember that you have to cancel your policy on a month-to-month payment plan if you do not want to renew it. If you decide to cancel your policy, you must include the last payment and the $50 cancellation fee.

The Choice Home Warranty policy covers several other items in the home that are not covered by other home warranty policies. You can also add additional coverage to certain items if you wish, but you must pay the difference between the actual cost and the cost of the coverage. Some of the optional coverage items are a pool, a second fridge, a central vacuum, a standalone freezer, and a good pump. Other benefits of this warranty include coverage for plumbing and electrical systems and a septic system and pumping.

It offers two policy options

There are two different types of policies offered by Choice Home Warranty. The basic warranty covers most home systems, but some major systems aren't covered. For those, the service agreement allows you to choose to receive cash instead of repairing your system. However, this plan isn't right for everyone because it does not cover pre-existing conditions. However, if you are willing to pay a small administrative fee and risk missing out on the coverage of a broken appliance or system, you should definitely consider this choice.

Choice offers two policy options: Basic and Total. The Basic Plan covers 14 common systems that are commonly found in homes, such as plumbing, HVAC, dishwasher, microwave, and stove. The Total Plan covers all of these, as well as other systems, such as air conditioning, refrigerator, washer, and dryer. The Total Plan also covers more specialized systems, such as a pool, sump pump, central vacuum, ceiling and exhaust fans, and more.

In addition to these features, Choice also offers seasonal sales incentives. This allows potential customers to save more money on their home warranty policy. The company may also have a set limit for the number of covered systems or items. However, customers should read the fine print carefully to determine if the plan is worth purchasing. While the two home warranty plans offered by Choice are both comprehensive, there are some limitations and exclusions. Regardless of the policy, choosing the right one will protect your property and make your home more comfortable and less expensive.

Depending on the extent of coverage, Choice Home Warranty offers several service options. Both of the plans are under $55 a month and will cover many items around the home. The Basic Plan covers major appliances and home systems, while the Total Plan covers more essential items and upgrades. Choice does not require a home inspection before coverage begins. The service fee varies by plan but can be as low as $60. Customers who prefer a total plan may opt for a more comprehensive coverage plan.

It offers 24/7 customer service

If you ever have a problem with your appliances, you can rest assured that Choice Home Warranty will have it repaired or replaced. When you call the company, they'll send a pre-screened technician and pay the replacement cost if the issue is covered by the plan. The company's website provides a breakdown of each plan, as well as 24/7 customer service. Choice Home Warranty does not have accreditation with the Better Business Bureau, but it does have a B rating.

Choice Home Warranty provides two different plans, one for large appliances and one for smaller appliances. The Basic plan covers most major appliances such as the dishwasher, washer, and dryer, while the Total plan includes more options. The Basic plan does not cover air conditioning systems, refrigerators, whirlpool bathtubs, or a swimming pool, while the Total plan offers additional coverage for ductwork, a septic system, and garage door openers.

The company provides two different plans for homeowners. There's the Basic Plan, which covers kitchen appliances, but not the air conditioning system, refrigerator, or garage door opener. The Total Plan includes more coverage options, such as washing machines, dishwashers, and air conditioners. Both plans cost about $55 a month and are available to residents in certain states. For instance, customers in New York and Louisiana can purchase a Basic Plan for $660 per year, while homeowners in California and Washington cannot get pricing information for their plans. As of this writing, the Choice Home Warranty does not offer nationwide coverage.

Customers can contact Choice Home Warranty for support at any time of the day. Choice's customer service representatives will answer questions and help homeowners make claims. Customers will also be able to talk to a representative by phone or email 24 hours a day. Furthermore, customers can choose to add on other services to their coverage. Unlike many other home warranty services, Choice's service department offers a more comprehensive set of services than its competitors. Customers can choose the plans that are most beneficial to them. It's also important to understand what exclusions apply to each plan.

It offers cash in lieu of repair or replacement

The choice home warranty is one of the few companies offering such a plan. Despite being inexpensive, this warranty offers a high level of service. Its user agreement states that the warranty only covers certain components of the home. It does not cover leaky pipes or clogged drains. It does, however, cover major systems. As with any other home warranty plan, there are limitations and restrictions.

For example, the warranty will not cover central air conditioning units over a 5-ton capacity or commercial units. A sample user agreement outlines the terms of the warranty and the methods that Choice will reimburse you. In some cases, you may be able to hire your own technicians to perform the work and receive cash in lieu of repair or replacement. Depending on the contract, you may be able to choose a technician to come out and perform the repairs and receive a check.

In addition to providing cash in lieu of repair or replacement, the Choice home warranty requires that policyholders pay a service fee. The fee varies by state and plan option. In New York and Louisiana, a Choice home warranty costs about $660 per year. Moreover, the company does not offer nationwide coverage. Therefore, if you live in a state with similar weather conditions, you may want to look for another home warranty company.

Although the Choice home warranty offers cash in lieu of repair for many major appliances, the liability cap for repairs is $1500 per contract item. The amount of coverage will be dependent on the type of covered system or appliance. Typically, Choice Home Warranty will provide $500 for major appliances. If you choose this option, you will need to review the service agreement carefully. The service agreement will also cover the policy terms, exclusions, and terms related to the warranty.

Choice Home Warranty is available in two plans: the Basic Plan and the Total Plan. The Basic Plan includes plumbing, kitchen appliances, dishwashers, and air conditioning. The Total Plan covers appliances like the fridge, washing machine, dishwasher, and water heater. However, it excludes items such as laundry machines and air conditioning units. Depending on the plan, the cost will range between $50 and $60 per month. During a claim, the company charges a service call fee of $85.

What Is the Average Cost of a Home Warranty?

Home warranty plan costs can vary based on the homeowners:

  • Place of residence
  • Desired level of protection
  • Dwelling size
  • Type of home

Families have the option of selecting between total and essential programs. This is dependent on the type and amount of appliances they want in their plan. There are other possibilities for items like a pool or a septic system to be covered. You may receive a quick quote online to get a better idea of the cost of a home warranty plan. Before you sign up, make a wish list of the systems you want to be covered. You can discuss your wants and needs with a customer care representative, and they'll assist you in determining the best plan for your family.