The best home warranty companies offer homeowners peace of mind in knowing they won’t have to cover repair bills alone if a major system or appliance breaks down unexpectedly. With policies priced below the national average, Select Home Warranty offers home warranties for customers on a budget—but is it the right fit for you? Read on to learn more about Select Home Warranty and its plans before investing in coverage.

Rating:

Best Budget Plan Option

3.7/5

Get Quote 888-370-3953

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Our Take on Select Home Warranty

Select Home Warranty is a low-cost home warranty service provider with more than a decade of experience. Its most notable feature is its affordability, with home warranties costing around 14% less than the national average of $56. It also offers free roof leak coverage when you enroll online, which can benefit homeowners worried about the impact of weather on their roofs over time. 

However, Select Home Warranty offers lower coverage caps than some other companies we’ve reviewed. Most appliances and systems covered under each plan include upper limits of $500 per item per term. The only exception is your HVAC system, which is covered against up to $3,000 in damage. This is lower than what’s offered by some other home warranty providers, but homeowners worried about their heating and cooling systems may find purchasing coverage worth the cost. 

Our team rated Select Home Warranty 3.7 out of 5 stars, recommending it for homeowners on a budget. If you’re shopping with affordability in mind, Select can offer a budget-friendly option. This is especially true if you live in a home with newer systems and appliances that may not require expensive repairs. However, the company offers lower coverage limits for most items, except for HVAC systems, and it doesn’t have overly positive customer reviews online.

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Select Home Warranty Coverage

Select Home Warranty offers three plans, which is around the amount offered by other providers that operate on a similar scale. While Select offers fewer add-on coverages than most competitors, its options are competitively priced, based on our research. 

Core Plans

Like most home warranty companies, Select offers an appliance plan, a systems plan, and a combination plan for total home coverage. Select Home Warranty currently divides its offerings into the following three plan options.

• Bronze Care: This plan is an option for appliance-only coverage that includes eight appliances: a clothes washer, clothes dryer, refrigerator, stove, cooktop, built-in microwave, dishwasher, and garbage disposal. 
• Gold Care: The company’s version of a systems-only plan, covering your HVAC (both your cooling and heating system components), plumbing system, electrical system, ductwork, and water heater. 
• Platinum Care: The most comprehensive option, this plan combines the coverage listed above and adds a garage door opener system and ceiling fans. 

Add-Ons

Select Home Warranty also offers the following add-on options, which you can purchase in addition to any plan for an added cost. 

• Central vacuum 
• Lawn sprinkler system 
• Pool
• Roof leak coverage
• Septic system
• Spa
• Standalone freezer
• Sump pump
• Well pump

The Fine Print

Reading a service contract is an important step when purchasing home warranty coverage. Our team read through Select Home Warranty’s coverage terms to identify restrictions on benefits and when you can use your coverage.

Coverage Limits

All home warranty plans include coverage limits or the maximum amount the company will pay for repairs and replacements per contract term. Generally, Select Home Warranty imposes coverage limits of $500 per item per term. However, HVAC systems include $3,000 in coverage per term for combined heating and cooling components, while add-ons have $400 coverage caps. 

Maintenance Records

It’s also typical for home warranty companies to require maintenance records to payout claims. Select reserves the right to request up to three years of maintenance records in order for customers to claim the maximum payouts outlined in its service contracts. If you don’t have maintenance records available, the company could limit your payout to $150 per item.

Component Exclusions

Note that each individual item also has components excluded from coverage. For example, the company covers all components of your dishwasher except for the racks and rollers. We recommend you review a full service contract before enrolling in coverage to learn more about individual component exclusions.

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Select Home Warranty Cost

When comparing home warranty plans, it’s important to consider two aspects of pricing: your premium and the service call fee. 

• Premium: Your premium is the price you pay each month to keep your coverage current. It’s similar to the premium you pay each month to keep your car or homeowners insurance coverage current. 
• Service fee: The service call fee is a charge due each time you use your plan benefits. It is billed in addition to your monthly premium whenever you request a repair company visit your home under your plan. 

Plan Cost

The cost of a plan with Select Home Warranty will vary depending on your selection, with prices ranging from $44–$48. While some home warranty companies offer multiple service call fee options that you can adjust to balance costs, Select Home Warranty rates vary between $75 and $100 depending on your location and the length of your contract. Comparatively, the national average cost of a home warranty is $56 per month, with service call fees ranging from $75–$125. 

The table below summarizes current pricing for each Select home Warranty policy. 

	Bronze Care	Gold Care	Platinum Care
$75–$100 service call fee	$44	$44	$48

Note: We based pricing information on a sample for a 2,000-square-foot, single-family home in Dallas, Texas.

Select Home Warranty also offers a series of nine add-ons, with consistent pricing between plans. 

• Central vacuum ($3 per month)
• Lawn sprinkler system ($6 per month)
• Pool ($8 per month)
• Roof leak coverage (Varies)
• Septic system ($6 per month)
• Spa ($6 per month)
• Standalone freezer ($3 per month)
• Sump pump ($3 per month)
• Well pump ($3 per month)

Discounts

At the time of this writing, Select Home Warranty had an introductory offer for new homeowners enrolling in a plan for the first time. If you purchase your plan online, you could receive: 

• Savings of $150 off your annual premium 
• Two months of free premiums 
• Free roof leak coverage for your first year (a $99 value)

Select Home Warranty does not currently offer additional discounts beyond its introductory offer, based on our research. 

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Comparing Select Home Warranty to Other Top Providers

Select Home Warranty is not your only option when it comes to warranty coverage. See how Select compares to other top service providers we’ve reviewed using the chart below. 

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Company	Logo	Our Rating (Out of 5)	Monthly Plan Cost	Service Fee Cost	Better Business Bureau (BBB) Rating*	Get a Quote
Select Home WarrantyGet Quote		3.7/5	$44–$47	$60–$75	B-	Get Quote
American Home ShieldGet Quote		4.8/5	$49–$109	$100–$125	B	Get Quote
Choice Home WarrantyGet Quote		4.7/5	$46–$55	$100	B	Get Quote
First American Home WarrantyGet Quote		4.6/5	$47–$87	$75–$125	B	Get Quote
Elite Home WarrantyGet Quote		4.6/5	$44–$59	$70	B+	Get Quote

*The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of January 2025.

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Customer Reviews: Reddit, Trustpilot, and More

Customer reviews of Select Home Warranty vary by source but, based on our review, seem mixed overall. Of the homeowners who had a positive experience with Select, the following features stood out across reviews on Trustpilot. 

• Competitive pricing: Many customers appreciated Select Home Warranty’s affordable plans and the availability of discounts, such as two months of free coverage when paying annually and free roof leak protection.
• Responsive customer service: Some users reported positive experiences with customer service, particularly during the sign-up process, noting professionalism and helpfulness.

Here’s an example of a positive review for the company:

“When I first called, the agent was completely professional and very helpful. The agent actually helped me save some more money than I would have if I had stayed [with] the current plan I had selected the first time. [Select Home Warranty was] way more helpful and better understanding of what I was purchasing than my previous carrier.” —Tyler C. via Trustpilot on Feb. 10, 2024

While the company has mixed reviews on Trustpilot, negative reviews are more numerous across sources such as Reddit and the BBB. Those reviews mention the following common themes:

• Claim denials and service delays: A number of customers expressed frustration with denied claims, saying representatives commonly denied claims based on a lack of maintenance records. Delays in assigning technicians and completing repairs were also common complaints. 
• Cancellation difficulties: Some reviewers reported challenges when attempting to cancel their contracts, including issues with customer service and unexpected fees.

“We paid for almost two full years [of coverage]. I paid service fees for ‘repairs’ on a dishwasher, dryer, and gas range. The dishwasher and dryer still had to be replaced at my own expense within a year. [Select Home Warranty] said they would give me $185 for the replacement of a range, which wouldn’t even buy the handles and grates that were damaged. Any time I call, I get a call center where the employees just keep repeating from the same script. When I tried to cancel, they said they would charge me $75. All I want to do is stop paying for a useless service.” —Jennifer L. via the BBB on Dec. 30, 2024

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Our Experience With Select Home Warranty

To determine Select Home Warranty’s ease of user experience, our team of secret shoppers posed as homeowners shopping for home warranty coverage. We collected personalized quotes for a series of homes across the country and reviewed a sample contract for each plan. Here’s what we found. 

Signing Up

The process of signing up for a home warranty with Select Home Warranty is very simple, based on our experience. To see custom pricing, you’ll need to visit the company’s website and input your contact information and home address. You should then instantly see three plan options side-by-side, with check marks distinguishing what is covered on each plan and other distinguishing features. 

While pricing for each plan is listed upfront, the company does not link a sample contract at any point during the purchase process. This can make it difficult to compare coverage limits, exclusions, and other types of limitations during the buying process. Our team had to search the company’s website to find a contract to review. The company also does not define an exact service call fee, even in its online sample contract. 

Filing Claims

Select Home Warranty allows homeowners to file home warranty claims online through email or over the phone. You can expect the following steps when filling a claim:

• Call customer service : If you prefer to file a claim over the phone, Select’s customer care team accepts phone calls 24/7 at 888-967-1823.
• Email the company: To begin a claim by email, send a message to info@selecthomewarranty.com. 

Select outlines its standard and emergency claims procedure in its sample contract. You must contact Select within three days of noticing the issue, with Select assigning a service technician within two days. Under emergency circumstances, Select will dispatch a service technician as soon as possible—but it’s up the company’s discretion when it comes to what’s considered an emergency. 

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Is Select Home Warranty Worth It?

As a homeowner, you may wonder if coverage from Select Home Warranty is worth the price. The answer will vary depending on what you are looking to get from a home warranty. For example, if you’re purchasing a home warranty for basic protection, Select’s plans could provide sufficient coverage for your needs at an affordable price. The company can also offer a good choice if you have newer home appliances with maintenance records available and just want peace of mind. 

Select may not offer the best option for a home warranty provider if you’re searching for high coverage limits for most household items. Competitors such as American Home Shield may charge higher rates per month, but also offer coverage limits of up to $5,000 per item per term. These plans may offer more value if you live in an older home with more repair needs or are looking for advanced, comprehensive protection. 

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FAQs About Select Home Warranty

How long has Select Home Warranty been in business?

Select Home Warranty has been in business since 2012, according to the BBB.

Is Select Home Warranty a scam?

Select Home Warranty is not a scam based on our team’s research and review. The company has more than 10 years of experience issuing policies, and it maintains a B rating from the BBB. However, it’s important to note the company’s drawbacks and fine print—which includes lower coverage limits on most items—before enrolling in coverage to avoid surprises when you file a claim.

What does a home warranty cover?

Home warranties typically cover a set of appliances, home systems, or both. Unlike homeowners insurance, a home warranty covers break downs that occur due to normal wear and tear instead of sudden hazards such as a fire or thunderstorm.

How much is the service fee for Select Home Warranty?

Select Home Warranty’s service call fee ranges from $75–$100 per use, depending on where you live and your contract terms.

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How We Evaluated Home Warranty Providers

Our review team is committed to providing readers with unbiased, thoroughly researched reviews. We took a multi-tiered approach to ranking and reviewing home warranties after individually claiming hundreds of quotes and reading dozens of sample contracts. Some of the most important factors we considered when ranking service providers include: 

• Coverage: We reviewed service contracts from each service provider for each policy option offered. Companies offering comparatively higher coverage limits on essential items like HVAC components and plumbing systems scored higher than those with lower limits on benefits. We also considered waiting periods, annual coverage limits and depreciation considerations when scoring coverage. 
• Cost: After individually comparing sample quotes, we compared both premium and service call fee costs to coverage provided. Surcharges and extra fees caused warranty providers to lose points. 
• Trustworthiness: To determine company trustworthiness, we read hundreds of previous customer testimonials hosted on third-party sites like the BBB, Trustpilot and Google Reviews. We also considered previous lawsuits and workmanship guarantees when rating trustworthiness. 
• Plan transparency: We considered both website and service contract transparency when ranking each company. Those with fewer exclusions and more upfront terms and conditions earned higher points, while those with more confusing or inconsistent contracts ranked lower. 
• Customer support: Home warranty companies offering multiple routes to contact customer service and file claims earned higher support rankings. Faster response times and dedicated 24/7 claims lines helped competitors earn higher customer support rankings. 
• Flexibility: Some homeowners highly value plan customization and flexibility when selecting a warranty. In the flexibility category, we considered service call fee options, add-ons and number of plans offered when assigning a ranking. 

To learn more about how we compare and rank home warranty companies, review our complete team methodology here.

To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.