If you are a homeowner, you know how important it is to protect your home from unexpected breakdowns of your home systems and appliances. These items can malfunction due to normal wear and tear and leave you with a huge repair or replacement bill. That’s why many homeowners choose to purchase a home warranty plan, which is a service contract that covers the cost of repairing or replacing these items when they fail.
But not all home warranty plans are created equal. Some may have limited coverage, high service fees, long response times, or poor customer service. That’s why you need to do some research and compare different home warranty companies and plans before you make a decision. One of the home warranty companies that you may want to consider is Choice Home Warranty, which is one of the best home warranty companies in the market according to U.S. News.
Choice Home Warranty, founded in 2008, is a New Jersey-based company that offers home warranty plans in all U.S. states except Washington. The company has two coverage options for homebuyers and sellers alike, with a handful of a-la-carte add-ons. In exchange for a monthly fee, its customers can avoid being fully on the hook for repairs and replacements of eligible household components and take advantage of a network of affiliated service providers.
In this blog post, we will review the Choice Home Warranty plans and provide you with some tips on how to choose the best one for your needs.
Choice Home Warranty Plans
Choice Home Warranty offers two main plans for customers: the Basic Plan and the Total Plan. The Basic Plan covers 14 essential systems and appliances, such as heating, plumbing, electrical, water heater, oven, dishwasher, garbage disposal, and more. The Total Plan covers everything in the Basic Plan plus four additional items: air conditioning, refrigerator, washer, and dryer. You can also add optional coverage for items like pool, spa, well pump, septic system, roof leak repair, and more.
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The cost of the Choice Home Warranty plans depends on the level of coverage you choose and the service fee you pay for each claim. The service fee is the amount you pay to the contractor who comes to diagnose and fix the problem. The service fee can range from $60 to $85 per claim. The average annual premium for the Choice Home Warranty plans is about $600.
How to Choose the Best Choice Home Warranty Plan for Your Needs
To choose the best Choice Home Warranty plan for your needs, you should consider the following factors:
- The age and condition of your home systems and appliances: If your home systems and appliances are old or prone to breakdowns, you may want to opt for the Total Plan or add some optional coverage to ensure that you are fully protected. If your home systems and appliances are new or in good shape, you may be fine with the Basic Plan or even skip some items that are already covered by manufacturer’s warranties.
- The value and replacement cost of your home systems and appliances: If your home systems and appliances are expensive or hard to replace, you may want to opt for the Total Plan or add some optional coverage to avoid paying out of pocket for costly repairs or replacements. If your home systems and appliances are cheap or easy to replace, you may be fine with the Basic Plan or even skip some items that are not worth covering.
- The climate and weather conditions in your area: If your area experiences extreme temperatures or weather events that can affect your home systems and appliances, you may want to opt for the Total Plan or add some optional coverage to ensure that you are covered for any weather-related damages. If your area has mild temperatures or weather conditions that do not pose a threat to your home systems and appliances, you may be fine with the Basic Plan or even skip some items that are not likely to be affected by weather.
- Your budget and preference: Ultimately, you should choose a Choice Home Warranty plan that suits your budget and preference. You should compare the cost and benefits of each plan and see what fits your needs and expectations. You should also read the terms and conditions of each plan carefully and understand what is covered and what is not covered by each plan.
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A Choice Home Warranty plan can be a great way to protect your home from unexpected breakdowns of your home systems and appliances. A Choice Home Warranty plan can save you time, money, and hassle when dealing with malfunctions and provide you with peace of mind and convenience. To choose the best Choice Home Warranty plan for your needs, you should consider the age and condition, value and replacement cost, climate and weather conditions, and budget and preference of your home systems and appliances.