What is a home warranty?
A home warranty is a service contract that helps protect homeowners against the cost of unexpected covered repairs of their major systems and appliances that break down due to normal wear and tear.*
I have homeowners insurance. Why do I need a home warranty?
Your homeowner’s insurance is hazard insurance, and only covers items damaged in fires, flooding, wind, and other natural disasters. A home warranty repairs properly maintained household appliances and mechanical systems that fail due to normal wear and tear.
My mechanical systems and appliances are aged. Is this covered?
Yes, the age of a home or its systems and appliances does not matter. We cover items that are in good working condition and properly maintained.*
Can I enroll a home warranty plan if I am not in a real estate transaction?
Yes, you can purchase a home warranty plan during home ownership. You do not have to be involved in a real estate transaction of any kind.
What are some examples of a claim being denied?
Choice Home Warranty does not cover known or unknown pre-existing conditions, misuse, abuse, or failure to clean or maintain the covered systems and appliances.*
Do I need a home inspection before ordering a home warranty?
No, although it is a good idea to get your home inspected to make sure all items are in good working order. Consequently, the contract does not cover any known or unknown pre-existing conditions.
When does coverage begin and when does it end?
Coverage begins 30 days after enrollment and receipt of applicable contract fees and continues for 365 from your start date. If you are able to provide proof of prior coverage through another warranty carrier, showing no lapse of warranty coverage, CHW will be able to start your new coverage when your old policy expires.
If an item needs to be replaced, and the replacement unit is unavailable what happens?
If a covered item that needs to be replaced is not available, CHW will offer a cash payment for the amount of CHW’s replacement cost, which at times may be less than retail.
What if I need service?
Make one toll-free call to our Claims Department at 1-888-531-5403. Our call center is available 24 hours a day, 7 days a week, 365 days a year. You may also submit claim online.
Is there a service call fee?
Yes, you are required to pay a $60 trade service call fee per claim, no matter what the actual cost of the repair or replacement for your covered item.* This fee is payable directly to the technician that comes to your home. The service call fee may be lower depending on discounts available, contact us for more details.
Can I renew each year?
Yes, the plan may be renewable. In that event, you will be notified of the prevailing rate and terms of renewal.
** See policy for specifics on response times.
***CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW’s actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance.