Choice Home Warranty Reviews

I cannot remember the last time I worked with a company that wasted so much of my time or left me so frustrated with their process. Every interaction I’ve had with Choice Home Warranty has turned into a logistical nightmare, and my most recent experience with a plumbing backup in the master bathroom is a perfect example. According to Choice’s own policy (from their website, “User Agreement,” point 13 under PLUMBING SYSTEM/STOPPAGE), coverage includes: • Clearing of sink, bathtub, shower, and toilet stoppages. • Clearing of mainline drain and sewer stoppages through an accessible cleanout up to 100 feet. • Clearing of lateral drain line stoppages up to 100 feet from an access point including accessible cleanout, p-trap, drain, or overflow access points. The technician they sent suggested removing a toilet to access the line. Because of this, my claim was denied — on the grounds that it did not involve an “accessible ground-level clean out.” The plumber then suggested an alternative: going through the shower sink drain, which would provide proper access without removing anything. He even contacted the company directly, and I followed up by phone. Unfortunately, no one at Choice gave us timely feedback, so the plumber had to leave and I was forced to reschedule. When I finally received a call back, I was told I had to go through the online appeals process, which I completed. A representative later informed me that the claim was still denied, this time claiming that accessibility must come from a mainline which had to be ground level. There is mainline accessibility from my basement but apparently this doesn’t qualify as “ground level”. So i said to them what you're suggesting to me is that the only remedy for a backed up master bathroom is for the technician to go outside find the sewer access hole and then run 100 feet worth of snake to get my main bathroom unplugged. In other words, despite several clear access options that fit the contract language, they found reasons to refuse coverage. This policy actually belongs to my 91-year-old mother whom I am helping, and the whole process has been incredibly inconvenient and stressful for both of us. I suggested my mother stop paying their policy until we get resolution but she informed me she paid for the entire three years up front which would certainly make denning claims more profitable. From my perspective, it feels like the company is deliberately using semantics to avoid paying legitimate claims. I cannot recommend Choice Home Warranty to anyone. Their customer service, claim handling, and overall process have caused nothing but wasted time, frustration, and disappointment