Select Home Warranty and Choice Home Warranty both offer affordable home warranty plans to cover repair and replacement costs for home systems and appliances, such as air conditioners, plumbing systems, and dishwashers.
Both companies provide multiple plan options, allowing homeowners to choose coverage that best suits their needs. Select Home Warranty includes roof leak coverage in its standard plans, while Choice Home Warranty is known for its straightforward pricing and 24/7 claims service.
In this review, we take a deeper look at Select and Choice’s coverage plans, pricing, customer ratings, and more to help you decide which provider is the best home warranty for you.
How Does Select vs. Choice Compare Overall?
| Provider | Select Home Warranty | Choice Home Warranty |
|---|---|---|
| Promotional Offer | Use code HOUSE25 for $150 off & 2 months free | None |
| Coverage options | Bronze, Gold, Platinum, and optional add-ons | Basic, Total, and optional add-ons |
| Monthly Premiums | $44- $48 | $50 – $59 |
| Service Fee | $60 – $75 | $60 – $85 |
| State Availability | 47 states (excluding these states but use these links to find top home warranty companies in Nevada, Washington, and Wisconsin) | 48 states (excluding California and Washington) |
| BBB rating | B- | B |
For additional information on these providers, read our Select Home Warranty review and our analysis of Choice Home Warranty offerings.
What Are the Pros and Cons of Select Home Warranty?
Pros
- Offers more plan options and add-ons than Choice Home Warranty
- Provides coverage in 47 states, excluding Nevada, Washington, and Wisconsin
- Offers two months of coverage for free when signing up for a home warranty plan
Cons
- The Premium Plan covers two less items than Choice Home Warranty’s Total Plan
- Has a $75 cancellation fee
Select Home Warranty offers some of the most affordable home warranty plans and service call fees in the industry and has a variety of optional add-ons to include with any plan. For full coverage of systems and appliances, we recommend signing up for the Platinum Care Plan.
What Are the Pros and Cons of Choice Home Warranty?
Pros
- Has a 90-day repair guarantee
- Doesn’t deny coverage based on the age of your systems or appliances
- Received thousands more online customer reviews than Select Home Warranty
Cons
- Doesn’t let customers customize their coverage plan
- Doesn’t offer coverage in California or Washington
Choice Home Warranty is one of the leading home warranty companies in the industry and provides basic coverage at an affordable cost. Not only does Choice provide extensive coverage, it offers 24/7 customer service and will send a service contractor out to your home within two business days of receiving a claim.
Note: In 2019, the Arizona Attorney General’s Office filed a lawsuit against Choice Home Warranty that remains ongoing. To read more about this lawsuit, click here.
How Does Select vs. Choice Coverage Compare?
Select Home Warranty offers more coverage plans and optional add-ons than Choice Home Warranty, but Choice Home Warranty’s premium plan covers two more items than Select Home Warranty’s premium plan.
Select Home Warranty Coverage
Select Home Warranty has three plans: Bronze Care, Gold Care, and Platinum Care. The Bronze Care plan offers coverage for eight appliances, and the Gold Care plan covers six home systems. The Platinum Care plan is the most comprehensive coverage plan, covering everything in the Bronze and Gold plans, plus plumbing stoppages and garage door openers.
Here’s an overview of what each plan covers:
Select Home Warranty Plans
| Plans | Gold Care | Bronze Care | Platinum Care |
|---|---|---|---|
| AC/Cooling | ✓ | ✓ | |
| Ductwork | ✓ | ✓ | |
| Electrical System | ✓ | ✓ | |
| Heating System | ✓ | ✓ | |
| Plumbing System | ✓ | ✓ | |
| Water Heater | ✓ | ✓ | |
| Cooktop | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Garbage Disposal | ✓ | ✓ | |
| Built-in Microwave | ✓ | ✓ | |
| Refrigerator | ✓ | ✓ | |
| Stove/Oven | ✓ | ✓ | |
| Clothes Washer | ✓ | ✓ | |
| Clothes Dryer | ✓ | ✓ | |
| Garage Door Openers | ✓ | ||
| Plumbing Stoppages | ✓ |
Choice Home Warranty Coverage
There are two Choice Home Warranty plans: a Basic Plan and Total Plan. The Basic Plan covers a few important appliances and systems in the home but notably excludes coverage for a dryer, washer, refrigerator, and air conditioning system. With the company’s Total Plan, you get coverage for all of these excluded items plus everything that comes with the Basic Plan.
Here’s what each Choice Home Warranty plan covers:
Choice Home Warranty Plans
| Plans | Basic Plan | Total Plan |
|---|---|---|
| Air Conditioner | ✓ | |
| Refrigerator | ✓ | |
| Clothes Washer | ✓ | |
| Clothes Dryer | ✓ | |
| Heating System | ✓ | ✓ |
| Electrical System | ✓ | ✓ |
| Plumbing System | ✓ | ✓ |
| Plumbing Stoppages | ✓ | ✓ |
| Water Heater | ✓ | ✓ |
| Whirlpool Bathtub | ✓ | ✓ |
| Oven, Range, and Stove | ✓ | ✓ |
| Cooktop | ✓ | ✓ |
| Dishwasher | ✓ | ✓ |
| Built-in Microwave | ✓ | ✓ |
| Garbage Disposal | ✓ | ✓ |
| Ductwork | ✓ | ✓ |
| Garage Door Opener | ✓ | ✓ |
| Ceiling Fans and Exhaust Fans | ✓ | ✓ |
Choice Home Warranty vs. Select Home Warranty Optional Add-Ons
Choice and Select also offer some optional add-ons you can compare below:
Choice Add-Ons
- Well pump
- Septic tank pumping
- Limited roof leaks
- Pool and spa
- Central vacuum
- Second refrigerator
- Stand alone freezer
- Sump pump
- Septic system
Select Add-Ons
- Stand alone freezer
- Second refrigerator
- Switches and outlets
- Well pump
- Sump pump
- Plumbing fixtures
- Refrigerator ice maker
- Lawn sprinkler system
- Lighting fixtures
- Central vacuum
- Septic system coverage
- Pool and spa equipment
How Does Select vs. Choice Cost Compare?
Select Home Warranty and Choice Home Warranty offer plans at roughly the same premium and service fee cost, but the high end of Choice Home Warranty’s cost range is a bit pricier than that of Select Home Warranty.
| Provider | Select Home Warranty | Choice Home Warranty |
|---|---|---|
| Monthly Premium Cost | $36–$38 per month | $36–$44 per month |
| Service Fee Deductible | $60–$75 | $60–$85 |
Note: The cost of a home warranty plan depends on a variety of factors such as your location, the size of your home, and any optional coverage you choose to purchase. Because of this, we recommend getting quotes from both providers before making a final decision.
How Does the Claims Process for Select and Choice Compare?
When it comes to the claims process, Select Home Warranty and Choice Home Warranty have some notable differences and similarities. Choice Home Warranty typically has a straightforward claims process. Customers can file claims online or over the phone 24/7. The company assigns screened service providers, and you pay a service fee once they complete a repair. The company typically covers repairs or replacements if they fall within your plan’s coverage and payout limit.
Similarly, Select Home Warranty’s claims process is easy to understand. You can file an emergency claim anytime and expect a response within 24–48 hours. Additionally, Select’s plans, like Choice’s, have dollar limits per claim, which means it’ll only pay up to the established amount listed in its residential service contract. Note that Select has different payout limits per item category, such as appliances, systems, and add-ons.
How Do Select vs. Choice Reviews Compare?
Select Home Warranty received a slightly more positive rating from the Better Business Bureau (BBB) than Choice Home Warranty, but Choice Home Warranty reviews were more positive, on average, on Trustpilot.
| Provider | Select Home Warranty | Choice Home Warranty |
|---|---|---|
| BBB rating | B- | B |
| BBB accreditation | No | No |
| Number of customer reviews on BBB webpage | 1,747 reviews | 3,331 reviews |
| Average Trustpilot customer review rating (out of 5 stars) | 3.6 stars | 3.8 stars |
| Number of customer reviews on Trustpilot webpage | 3,410 reviews | 32,015 reviews |
How To Buy a Home Warranty
You can purchase a home warranty directly from providers, through real estate transactions, or from specialized brokers. For instant online quotes and to compare plans, visit Select Home Warranty or Choice Home Warranty’s websites. Coverage usually begins after a 30-day waiting period, and choosing yearly coverage renewals may offer greater savings.
Before signing up for a home warranty, evaluate your home’s age, existing appliance warranties, and potential repair costs. Compare different providers based on coverage options, service fees, claim response times, and customer reviews.
Ensure you read the contract details carefully to understand exclusions, coverage limits, and cancellation policies. Some providers offer discounts for bundling multiple plans or signing up for multi-year contracts.
Is Select or Choice Right for Your Home?
Choice Home Warranty and Select Home Warranty offer some of the most affordable home warranty plans in the industry and are some of the best home warranty companies available.
Select Home Warranty is slightly more affordable and offers more optional add-ons and plans than Choice Home Warranty, but Choice Home Warranty offers a few more coverage items in its comprehensive Total Plan compared to Select’s Platinum Care Plan.
We recommend getting quotes from both companies to compare coverage, pricing, and current promotions.
FAQs About Select Home Warranty vs. Choice Home Warranty
Is there a waiting period for Choice Home Warranty and Select Home Warranty?
After you purchase your home warranty plan, both providers have a 30-day waiting period before you can request service on a system or appliance.
How do Select Home Warranty and Choice Home Warranty compare with American Home Shield?
American Home Shield received our highest overall ranking. If you’re looking for comprehensive plans, American Home Shield may be a good choice, but if you’re on a budget, we recommend Choice Home Warranty or Select Home Warranty for cheap home warranty options.
How does a home warranty plan work?
Homeowners with a home warranty plan pay a monthly premium of about $25 to $60 per month for their coverage. When a covered repair or replacement is needed, they only have to file a warranty claim and pay a service call fee between $60–$125.
Does Select Home Warranty and Choice Home Warranty cover washers and dryers?
Yes. Select’s Bronze Care and Platinum Care plans cover washers and dryers, while Choice Home Warranty’s Total Plan covers washers and dryers.
Are Select Home Warranty and Choice Home Warranty available in my state?
Select Home Warranty offers coverage in every U.S. state except for Alaska, while Choice Home Warranty offers coverage in every U.S. state except for California and Washington.
Is a home warranty plan worth it?
A home warranty can provide peace of mind and potentially significant savings if a major system or appliance breaks down, so we recommend them for most homeowners. You can learn more on this topic by reading our article on whether home warranties are worth it.
Our Rating Methodology
We use a detailed rating methodology to objectively score each home warranty company we review. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and running focus groups and homeowner surveys.
We use this information to score each provider in six comparison categories that we think are most important when choosing a home warranty. We rate each provider across 23 factors within those categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (35%): This category looks at how comprehensive each provider’s coverage is, including whether it covers unique items. Companies that cover the most items and have higher annual limits received the highest scores. We docked points from providers that impose long waiting periods or have depreciation policies that decrease your payouts for aging items.
- Cost (20%): We looked at average monthly prices and service call fees. We gave the most points to companies offering pricing at or below the industry average that don’t impose any surcharges or extra fees.
- Trustworthiness (15%): To gauge reputation and reliability, we reviewed customer ratings across sites such as the Better Business Bureau and Trustpilot, as well as companies’ responses to complaints. We also checked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and longest workmanship guarantees received higher scores. We deducted points for any ongoing legal issues.
- Plan transparency (10%): We read terms, policies, and disclosures in provided contracts and on each company’s website. Providers with transparent contract details and policies received more points.
- Customer support (10%): Companies with multiple claims filing options, fast response times, and accessible customer support scored well in this category.
- Flexibility (10%): We awarded more points to providers offering more plan options, larger add-on catalogs, the ability to choose your own technician, and customer-friendly cancellation policies.
