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Published: Feb 26, 2024 11 min read

Select Home Warranty offers home warranty plans with multiple ways to save money, from two months free if you pay a year in advance to periodic discounts for new sign-ups.

Read on for our full review of Select Home Warranty, including information on its plans, coverage and pricing. We also evaluate common customer complaints and provide side-by-side comparisons with major competitors.

Table of Contents

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Select Home Warranty overview

Select Home Warranty is a Mahwah, New Jersey-based home warranty company that offers service contract plans to homeowners, including those purchasing or selling a home.

Pros
  • Get two months of free coverage if you pay for your plan annually instead of monthly
  • 60-day workmanship guarantee
  • Appliances and systems are covered regardless of their age
  • Includes coverage for roof leaks
Cons
  • The company has a high number of complaints with the Better Business Bureau (BBB)
  • If multiple trades are required to fix an issue, you must pay a separate service call fee for each one
  • Must present three years of maintenance records to obtain guaranteed coverage on some systems

Select Home Warranty plans

Select Home Warranty’s plans are available for most property types, including single-family and multiple units, mobile homes, rental properties, manufactured homes and condos.

Select Home Warranty offers three different home warranty plans:

  • Bronze Care
  • Gold Care
  • Platinum Care

The Platinum Care plan is the most comprehensive and the only one that covers a mix of both appliances and home systems. The Bronze Care plan only covers some appliances, whereas the Gold Care plan covers major home systems.

All Select Home Warranty plans have a fixed service call fee of $75.

Select Home Warranty coverage

Below are the three coverage plans Select Home Warranty offers, with a list of covered appliances and systems.

Bronze Care
(Starts around $45/month or $499/year*)

Gold Care
(Starts around $45/month or $499/year*)

Platinum Care
(Starts around $50/month or $549/year*)

- Clothes washer
- Garbage disposal
- Refrigerator
- Stove / Oven
- Built-in microwave oven
- Cooktop
- Dishwasher
- Clothes dryer
- Free roof coverage

- Air conditioning, cooling
- Heating system
- Plumbing system
- Electrical system
- Water heater
- Ductwork
- Free roof coverage

- AC unit, cooling
- Heating system
- Plumbing system
- Electrical system
- Water heater
- Ductwork
- Plumbing stoppage
- Clothes washer
- Garbage disposal
- Refrigerator
- Stove / Oven
- Built-in microwave oven
- Cooktop
- Dishwasher
- Clothes dryer
- Garage door opener
- Ceiling fan 
- Free roof coverage

Optional add ons

In addition to these packages, you can purchase the following optional add-ons to your home warranty coverage:

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

Select Home Warranty coverage limits

Coverage limit, or coverage cap, is the maximum amount a home warranty company will pay you in case of a malfunction of a covered item, regardless of how much it costs to repair it.

There are a few coverage caps you should know about when it comes to repairs and replacement.

Covered item

Coverage limit

Heating and cooling (HVAC) equipment

$3,000

Appliances

$500

Plumbing

$500

Electrical (non-heating or cooling)

$500

Freon coverage

$200

Additional coverages

$400

In addition, Select Home Warranty reserves the right to request maintenance records and paying out a maximum of up to $150 for any system or appliance that doesn’t have proper maintenance.

It’s also worth noting that Select Home Warranty has a 30-day waiting period. During this time the company won’t cover the replacement of entire systems or appliances nor will it cover evaporator coils, compressors, control boards, condenser coils or motors of any kind.

What Select Home Warranty doesn’t cover

Even the best home warranty companies have limitations on what they cover. As for Select Home Warranty, it excludes coverage for the following:

  • Any systems or issues relating to acids, asbestos, lead and lead-based products, red-tagged units, gas leaks, carbon monoxide leaks, and any other hazardous contaminants.
  • Damage from neglect or human error
  • Repairs as a result of improper installation
  • Appliances or systems with previous repairs that were not done properly
  • Appliances or systems that have not been maintained (with accompanying documentation) in the last three years
  • Shelves, doors, hinges, handles, knobs, buttons, door seals, freon, damage caused by freon leaks, latches, timers, leveling equipment, clogged drains or lines, cosmetic issues, leak searches, lights, noise, refrigerants, valves, dispensers, installation, electrical failures, upgrades
  • Damages caused by acts of nature
  • Foundation/structural issues
  • Manufacturer's defect

If you are unsure about what could void a home warranty and other exclusions to your service contract, contact a Select Home Warranty representative or review your contract terms for more details. Here’s a link to Select Home Warranty’s sample contract.

Select Home Warranty availability

State availability

Select Home Warranty is available in 46 states, excluding Nevada, New York, Washington and Wisconsin.

Contact information

To request service, call Select Home Warranty at 1-855-267-3532 or write to claims@selecthomewarranty.com.

User experience

Select Home Warranty’s website doesn’t offer much pre-sales information. However, you can get an instant free quote and purchase coverage online. Existing customers can also submit a claim online by signing in to Select’s client portal.

Select’s response time is two business days (48 hours) for claims made during regular business hours, but can be up to four days on weekends and holidays.

If you want to cancel the policy within the first 30 days, you’ll receive a full refund if no service has been provided. However, should you cancel after the initial period, there’s a $75 cancellation fee, and your refund will be prorated to the full annual price.

Select Home Warranty credentials

Regulatory or legal actions

As of this writing, we haven’t found any pending lawsuits against Select Home Warranty.

However, you can use a Google search or Google alert with certain keywords to check for lawsuits and class action suits by using the following search phrases:

[Home Warranty Company Name] + Department of Justice

[Home Warranty Company Name] + Attorney general

[Home Warranty Company Name] + Class action

Although we always try to include accurate and up-to-date information on regulatory and legal actions, we don’t claim this information is complete or fully up to date. As always, we recommend you do your own research as well.

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Select Home Warranty customer satisfaction

Third-party ratings

  • Better Business Bureau: 1.42 out of 5 average from customer reviews.

Customer complaints

Select Home Warranty has 10,879 complaints filed and closed on the BBB during the last three years. While Select isn’t accredited by the BBB, it does have a B rating.

BBB ratings are not a guarantee of the company’s reliability or performance, but can provide an overall idea of the most frequent complaints against the company.

The most common complaints we found against Select Home Warranty have to do with:

  • Delays in dispatching contractors for warranty claims
  • Limitations on the types of items the company covers
  • Difficulty resolving issues regarding claims, billing, etc.
  • Unfriendly online client portal

The research above is based on data that was available at the time of publication.

Select Home Warranty comparisons

Although Select Home Warranty offers affordable prices, its coverage can be somewhat limited compared to other home warranty companies.

Below we discuss how Select Home Warranty compares with two other popular competitors.

Select Home Warranty vs. American Home Shield

Select Home Warranty and American Home Shield offer coverage for similar appliances and home systems, except for one key difference: American Home Shield doesn’t offer an appliance-only warranty and roof leak coverage is only included with its premium plan.

American Home Shield features three tiered home warranty plans: Shield Silver, Shield Gold and Shield Platinum.

Shield Silver covers HVAC, electrical systems and plumbing systems, while Shield Gold adds coverage for kitchen and laundry appliances. The Shield Platinum plan is the most comprehensive option, and covers all the systems and appliances in Shield Silver and Shield Gold plus roof leaks, AC refrigerant and HVAC tuneups. It also features higher coverage caps for appliances (up to $4,000).

While American Home Shield only includes coverage for roof leak repairs with its premium plan, you can purchase this coverage as an add-on for the other two. By contrast, Select Home Warranty includes roof coverage with all its plans.

Company

Plan pricing

(per month)

Service call fee

(or deductible)

Availability

BBB Rating

$45 - $50*

$75

46 states

B

$29.99 - $89.99*

$100, $125

Contiguous US

B

Read the full American Home Shield review

Select Home Warranty vs. Choice Home Warranty

Similar to Select Home Warranty, Choice Home Warranty offers affordable plans ranging from $46 to $55. There are two plans available: Basic Plan and Total Plan, which cover a mix of both appliances and home systems.

The Basic Plan includes coverage for 14 primary systems and appliances, including garage door openers, plumbing systems, electrical systems and some kitchen appliances like cooktops, ovens and built-in microwaves. The Total Plan covers all items in the Basic Plan plus air conditioning systems, refrigerators, and clothes washers and dryers.

Although Choice Home Warranty covers the same amount of items as Select, it doesn’t feature appliance-only or system-only plans. Additionally, roof leak repair is available as an optional coverage and not included as part of any of its two home warranty plans.

Choice Home Warranty isn’t currently accredited by the BBB but has a C rating, which is lower than Select’s B rating. In addition, as of this writing, Choice Home Warranty has a pending government action with the Arizona Attorney General for allegedly making false promises to customers.

Company

Plan pricing

(per month)

Service call fee

(or deductible)

Availability

BBB Rating

$45 - $50* 

$75

46 states

B

$46 - $55*

$85

49 states

C

Read the full Choice Home Warranty review

Explore other home warranty options

Check our reviews for other home warranty companies you can consider:

Select Home Warranty FAQs

Is Select Home Warranty legit?

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Select Home Warranty is a legitimate business operation in good standing with the state of New Jersey. The company provides home warranty services to homeowners to cover the cost of repairing and replacing home appliances and major systems in the case of breakdown and failure.

What does Select Home Warranty cover?

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Select Home Warranty covers the repair or replacement of major household appliances and systems, including roof leaks and HVAC. It also provides coverage for optional add-ons like pools, spas, central vacuums and standalone freezers.

How much is the service fee for Select Home Warranty?

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Select Home Warranty charges a $75 service call fee. If your issue requires multiple trades and tradesmen, you'll pay a separate service fee for each one.

How do I file a claim with Select Home Warranty?

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To file a claim with Select Home Warranty, you can use Select’s online client portal, send an email to claims@selecthomewarranty.com or call a Select representative at 1-855-267-3532. Once your claim is processed, the company will coordinate a service technician visit with you.

How to cancel Select Home Warranty?

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To cancel a Select Home Warranty contract you can call customer service and speak with a representative at 1-855-267-3532.You can cancel a Select Home Warranty service contract without penalties within the first 30 days of your contract. During this period you’ll be entitled to a full refund. If you cancel after the first 30 days of you contract, Select may refund you a prorated amount.

How we evaluated Select Home Warranty

We evaluated Select Home Warranty based on the following criteria:

  • Services offered: We looked at its coverage limits and discounts, comparing these to other home warranty providers.
  • Cost: We compared offering and pricing with other competitors to assess cost-effectiveness. When prices weren’t openly disclosed we requested quotes using a California address.
  • Availability: We focused on companies with nationwide coverage or that service at least 30 states.
  • Legal actions: We checked whether Select Home Warranty had any legal or regulatory actions against it.
  • Customer service: We researched the company’s customer service through third-party ratings, and read hundreds of reviews and complaints to better gauge satisfaction.

Summary of Money’s Select Home Warranty Review

Select Home Warranty offers affordable home warranty contracts. Like most home warranty companies, it doesn’t cover issues caused by pre-existing conditions, natural disasters, human error or neglect. Plus, large systems like heating and cooling require regular maintenance to qualify for coverage.

While affordable, Select Home Warranty’s plans cover a limited amount of home systems and appliances. It also has lower coverage caps than other competitors. Common customer complaints have to do with delays in dispatching contractors and difficulty resolving billing issues and claims.

As always, we suggest you conduct your own research and carefully read the fine print before making a decision.

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