Choice Home Warranty is an interesting option for homeowners. They have a number of unusual conditions and exclusions, but also offer an interesting cash back option. As a result, they might be a good choice for people who are interested in the protection offered by a home warranty, but that are nervous about the reputation of and results delivered by home warranty services in general.
Cash Back Offer
The most unusual feature of Choice Home Warranty is the fact that they offer cash back on certain repairs and service calls that they are unable to execute. This feature has some benefits and some drawbacks. On one hand, if your home warranty isn’t going to cover the repair, you don’t want to have to pay for coverage. Additionally, it’s not desirable to be charged for a service visit to find out that the company isn’t able to help you. On the other hand, this gives Choice Home Warranty a broad ability to deny claims and offer cash back instead. This can undermine the reason that you got a home warranty in the first place. Moreover, there’s no assurance that the amount of cash they offer will be enough to cover the repairs or replacements necessary to keep your vital home systems up and running. This makes Choice Home Warranty a bit of a gamble when compared to other companies in the industry.
Bad Service Agreement
Another thing that gives us pause in recommending Choice Home Warranty is that they charge a flat $60 for a service call, regardless of if they perform any repairs or not. Given that the amount of cash back if the company refuses your repairs is unclear, this could set home owners up for a rude awakening when they get a bill for a service call on top of a bill for a home repair they thought was covered. We’d recommend looking elsewhere for options.