Select Home Warranty combines affordable plans with valuable benefits like free roof leak coverage, making it a strong contender for budget-conscious homeowners. But is this home warranty company right for you? This Select Home Warranty review examines plans, coverage, costs, exclusions, and more to help you make the most informed decision about your home.
About Select Home Warranty
Select HomeWarranty is a popular home warranty provider known for its competitive pricing and valuable benefits. Homeowners can choose from three major plans (Bronze, Gold, and Platinum) that cover appliances, systems, or both.
What sets Select apart is its affordability. Plans start at less than $50 per month with discounts, and all plans include free roof leak protection, a perk that many competitors charge extra for.
While the Select Home Warranty offers solid value, there are tradeoffs. Coverage limits for appliances and certain systems are lower than industry averages, so you may have to pay out-of-pocket for a complete replacement. Additionally, although the company does not provide standard service fees upfront, most customers report fees ranging from $65 to $100 per bill.
Choose the advantages and disadvantages of home warranty
Strong Points:
- Affordable add-ons starting at $3.33 per month
- Discounts on all three protection plans
- Free roof leak protection included with all plans
Cons:
- Standard service charges not listed
- Low coverage caps for plumbing and electrical
Alternatives to choosing a home warranty
When it comes to value, the Select Home Warranty is it. The company offers low monthly rates with competitive coverage. Coverage limits may be lower than average, but you can still get good value for your money.
However, if you’re concerned about having full coverage for appliance replacement, you may want to choose another option. For the highest level of coverage and annual coverage limits of up to $50,000, American Home Shield is your next best choice.
Choose your home warranty plan and price
With discounts, all Select Home Warranty plans cost less than $50 per month. This price includes a comprehensive Platinum plan that covers both home systems and appliances. The average home warranty plan costs about $45 per month, but Select Home Warranty can match or exceed that price.
Select Home Guarantee does not list standard service call charges. However, customers report costs ranging from $65 to $100 per claim. Service fees may vary by plan and location. If you live in an area where repairs are expensive, the cost may be even higher.
System coverage limits are in line with industry averages, with heating and cooling system coverage valued at $3,000. However, the $500 per appliance limit may not be enough to cover a complete replacement. That said, the low monthly cost of the Select Home Warranty Plan at least covers most of your costs, so it’s worth sticking to these limits.
- Bronze ($60.42/month or $44.42 off): Covers home appliances such as clothes dryers, clothes washers, cooktops, dishwashers, garbage disposals, built-in microwaves, refrigerators, and stoves/ovens. $500 coverage limit per appliance.
- Gold ($60.42 per month or $44.42 with discount): Systems that cover air conditioning systems, ductwork, heating systems, plumbing systems, electrical systems, and water heaters. Coverage limit is $3,000 per HVAC unit. $500 each for electrical and plumbing systems.
- Platinum ($63.75 per month or $47.75 with discount): All bronze and gold plans.
Choose your home warranty discount
Select Home Warranty offers discounts to homeowners on all plans. Get up to $150 off, free roof leak protection, and 2 months of free service for your first year. These promotions tend to run throughout the year, but you may find even better deals during Black Friday, Cyber Monday, Memorial Day, and Labor Day.
Select Additional Home Warranty Coverage
Select HomeWarranty has incredibly affordable add-on options compared to competitors that charge $10 or more for each add-on. All plans come with free roof leak protection, but you can also add other essential items that are prone to failure, such as a spa or freezer.
| additional items | average cost |
| central vacuum | $3.33/month |
| lawn sprinkler system | $5.83/month |
| pool | $8.33/month |
| roof leak | Free (included in plan) |
| purification system | $5.83/month |
| spa | $5.83/month |
| freestanding freezer | $3.33/month |
| drain pump | $3.33/month |
| well pump | $3.33/month |
What does the Select Home Warranty cover?
General home systems and appliances are covered by the Select Home Warranty Plan. Bronze plans cover major appliances, Gold plans cover systems, and Platinum plans cover both systems and appliances. A feature of Select Home Warranty is that all plans include free roof leak coverage. Most providers charge up to $10 per month for this add-on, so it’s a worthwhile bonus.
The appliances and systems you can expect coverage for are:
- HVAC system (heating and cooling)
- duct work
- piping system
- electrical system
- water heater
- refrigerator
- dishwasher
- clothes dryer
- clothes washing machine
- Garbage disposal
- built-in microwave
- Cooktop/stove/oven
What is not covered by the Select Home Warranty?
The Select Home Warranty has a standard list of exclusions and is not expected to cover the following:
- existing symptoms
- Cosmetic defects
- Repairs involving hazardous or toxic materials
- Failure due to regular maintenance or lack of maintenance
- Flues, vents, chimneys, attics and whole-house fans and exhaust lines
- Failure due to rust or corrosion
- Issues related to improper installation, misuse, or missing parts
- Natural phenomena such as floods, fires, hail, etc.
- Damage to the structure of your home, such as the foundation or windows
How to apply for Select Home Guarantee
If your refrigerator breaks down, your furnace stops blowing hot air, or any other system or appliance malfunctions, start your Select Home Warranty claim right away. The sooner you start, the more likely your application will be approved and your issue resolved.
- Please report an issue: Submit your claim through our online portal, mobile app, or email claims@selecthomewarranty.com. Claims can be filed 24 hours a day, seven days a week, but must be filed within 72 hours of discovering the issue to be eligible for compensation.
- Please describe your problem: When you file a claim, select the eligible home system or appliance that needs repair and the issue you notice.
- Payment of service fees: Once you file your claim, you will pay the service call fee listed in your contract (typically between $65 and $100, depending on the type of claim and location).
- A technician will be scheduled and dispatched. Unless the repair is an emergency, Select HomeWarranty will contact a service technician within 48 hours of submitting your claim to schedule a diagnosis or repair. Depending on availability, a technician will visit your home within that period. Or it may take a few more days.
- Repair or replacement: If your appliance or system is under warranty and the damage is covered, a technician will repair the problem on the spot. You may also need to order parts and later complete repairs or replacements.
Note: Select Home warranties have a standard 30-day waiting period during which you are not eligible to file a claim. Once the 30 days have passed, you can begin contacting us for assistance with covered home repairs.
Select Home Warranty Availability
The Select Home Warranty is available in all states except:
- iowa
- nevada
- washington
- wisconsin
To see what coverage is available in your area, visit the Select HomeWarranty website or enter your zip code in the map below.
How USA TODAY evaluates Select Home Warranties
USA TODAY’s editorial team uses an in-house methodology to rank home warranty providers, including leading companies like Select Home Warranty. To create our list of the top 10 home warranty companies, we collect quotes and review the contracts of the top 20 home warranty companies. Criteria such as plan options, coverage details, pricing, quality of service, customer satisfaction, and overall reliability were used to determine the list.
Bottom line: Is Select Home Warranty right for you?
If you want an affordable home warranty that covers major home systems and appliances, Select Home Warranty is a good option. With discounts, plans start at an average of $44 per month.
However, coverage for plumbing and electrical systems is lower than what our competitors offer, and your costs may not be fully covered if these systems fail. If higher coverage limits are important to you, a provider like American Home Shield is a better option.
FAQ
What are the disadvantages of Select Home Warranty?
Select Home Warranty offers lower limits for plumbing and electrical coverage. Also, standard service call charges are not listed. The cost may vary depending on your location and the type of claim.
Which is better: American Home Shield or Select Home Warranty?
it depends. American Home Shield’s coverage limits are high, but Select Home Warranty’s plans are inexpensive. If you want a home warranty on a budget, we recommend Select. If complete coverage is your priority, American Home Shield is a better choice.
Which is better: Old Republic or Select Home warranty?
Old Republic has higher coverage limits than Select Home Warranty, but Select has a lower monthly fee and all plans include roof leak coverage.
