Select Home Warranty is a home protection service contract company founded in 2012 in Mahwah, New Jersey. It offers three plan tiers covering appliances, home systems, or both. Plans start at approximately $36 per month with a $75 service call fee, and coverage is available in 46 states.
Select Home Warranty runs on a three-step claims process: file, get a technician, and repair. All three plans include free roof leak coverage — a benefit most competitors charge extra for. Coverage caps reach $3,000 for HVAC but only $500 for appliances. Reviews split sharply, from a 4.8 on ConsumersAdvocate to just 2 out of 5 on NerdWallet.
The big picture: Select is one of the most affordable home warranty options in 2026, but low per-item payout caps and a maintenance records requirement limit what it actually pays out. This review covers plans, pricing, coverage limits, real customer complaints, and how Select compares to Choice Home Warranty.
What Is Select Home Warranty?
Select Home Warranty is a home protection service contract company founded in 2012 and headquartered in Mahwah, New Jersey. The company covers repair and replacement costs for major appliances and systems when they fail due to normal wear and tear. Plans apply to single-family homes, condos, and multi-unit dwellings.
Here’s the thing — Select offers three plan tiers: Bronze Care for appliances, Gold Care for home systems, and Platinum Care for both. All three plans include free roof leak coverage capped at $400 per contract term. That’s a built-in benefit most competitors charge extra for, and it’s one of Select’s clearest selling points.
The company is available in 46 states. Nevada, Washington, and Wisconsin are the three states where Select Home Warranty doesn’t offer coverage. Customers outside those states can request a free instant quote directly through the Select website or by phone.
Select Home Warranty at a Glance:
| Detail | Info |
|---|---|
| Founded | 2012 |
| Headquarters | Mahwah, New Jersey |
| Plans Available | 3 (Bronze, Gold, Platinum) |
| Starting Monthly Cost | ~$36/month |
| Service Call Fee | $75 |
| State Availability | 46 states |
| Workmanship Guarantee | 60 days |
| BBB Rating | B (not accredited) |
How Does Select Home Warranty Work?
Select Home Warranty operates through a three-step claims process: file a claim, get a technician assigned, and have the repair completed at no additional cost beyond the service fee. Claims can be filed online or by phone at 855-267-3532, available 24 hours a day, 7 days a week, 365 days a year.
Once a claim is filed, Select assigns a network technician to diagnose and repair the covered item. All completed repairs carry a 60-day workmanship guarantee. If the repair fails within 60 days, Select sends a technician back at no additional service fee. That’s twice the 30-day standard most competitors offer.
And here’s a detail most people miss: customers can hire their own licensed contractor instead of waiting for a network technician. The contractor must submit a diagnosis for Select’s review before authorization. Pre-approval is required before Select reimburses any portion of the repair cost through that route.
How to File a Claim:
- Call 855-267-3532 or submit a claim online at selecthomewarranty.com
- Describe the covered appliance or system that stopped working
- Wait for Select to assign a network technician to your home
- Pay the $75 service call fee when the technician arrives
- Select covers the authorized repair cost beyond the service fee
Who Is Select Home Warranty Best For?
Select Home Warranty is best suited for budget-conscious homeowners who maintain their HVAC and major systems regularly and want low monthly premiums with a low service call fee. The $75 service fee and plans starting around $36 per month make it one of the more affordable options in the market.
Home sellers benefit from Select’s transferable coverage policy. The plan can be passed to a new buyer at the time of sale. This feature makes the property more competitive and gives buyers confidence in the home’s major systems and appliances.
But — and this is important — customers who need high per-item coverage limits may find Select limiting. Coverage caps of $500 for most appliances and systems mean that major repair bills on older or high-value equipment may exceed what Select reimburses. Homeowners in that situation should compare American Home Shield or 2-10 Home Buyers Warranty.
What Plans Does Select Home Warranty Offer?
Select Home Warranty offers three plans that separate appliance coverage, systems coverage, and combined coverage into distinct tiers. Bronze Care targets appliances only; Gold Care focuses on home systems like HVAC and plumbing; Platinum Care combines both. All three plans include free roof leak coverage.
Plans start at approximately $36 per month, with the Platinum Care plan priced higher. The service call fee is $75 for all plans. Customers who pay annually upfront receive 2 months of free service and $150 off the plan cost. To be clear, that’s a significant upfront discount compared to most home warranty competitors.
Select doesn’t publish a specific aggregate payout limit across claims. This means homeowners who file multiple claims in a contract year aren’t capped at a total dollar amount. Each claim is evaluated against the individual item coverage limit instead.
Plan Comparison:
| Plan | Coverage | Best For |
|---|---|---|
| Bronze Care | Appliances only | Homeowners with newer systems |
| Gold Care | Systems only (HVAC, plumbing, electrical) | Homeowners with older systems |
| Platinum Care | Appliances + Systems + extras | Homeowners wanting full coverage |
What Does the Bronze Care Plan Cover?
The Bronze Care plan covers major kitchen and laundry appliances including refrigerators, ovens, dishwashers, washers, and dryers. It’s the entry-level plan designed for homeowners who want appliance-only protection without paying for system coverage they don’t need.
Coverage for each individual appliance is capped at $500 per claim. Here’s where it gets tricky: customers who can’t provide maintenance records when Select reviews a claim may receive a maximum reimbursement of only $150 per covered item. Keeping maintenance documentation reduces this risk significantly.
The Bronze Care plan doesn’t cover HVAC systems, plumbing, or electrical systems. Homeowners who want system coverage must upgrade to the Gold Care or Platinum Care plan. Bronze is best for homes with newer systems that are unlikely to need repair in the near term.
What Does the Platinum Care Plan Cover?
The Platinum Care plan combines full appliance and systems coverage and adds ceiling fans, garage door openers, and plumbing stoppages to the included items. It’s the most comprehensive and most expensive of the three Select Home Warranty plans.
HVAC and heating coverage under Platinum Care is capped at $3,000 per contract term. Electrical and plumbing coverage is capped at $500. These limits are lower than some competitors, and that’s a commonly noted limitation in reviews from NerdWallet and ConsumerAffairs.
That said, ConsumersAdvocate rates Select’s plan breadth highly at 4.8 out of 5, citing good coverage options for most homeowners. The Platinum Care plan suits households that want a single policy covering all major systems and appliances without managing multiple coverage tiers.
Platinum Care Coverage Limits:
| System or Appliance | Coverage Cap |
|---|---|
| AC and Heating (HVAC) | $3,000 per contract term |
| Electrical | $500 per item |
| Plumbing | $500 per item |
| Appliances | $500 per item |
| Roof Leak | $400 per contract term |
What Does Select Home Warranty Cover?
Select Home Warranty covers air conditioners, heating systems, plumbing, electrical systems, water heaters, washers, dryers, refrigerators, ovens, and dishwashers depending on the plan selected. Coverage activates when a covered item fails due to normal wear and tear.
In fact, free roof leak coverage is included in all three plans. Coverage is capped at $400 per contract term and excludes chimneys, fixtures, solar panels, ventilation systems, and full roof replacements. Most competitors either charge extra for roof coverage or don’t offer it at all.
Coverage doesn’t apply to breakdowns caused by acts of nature, fires, vandalism, rust, corrosion, or consequential damages. For example, if a system malfunction leads to mold growth in the home, Select won’t cover the mold remediation costs. Homeowners insurance typically covers those types of damage instead.
What Optional Add-Ons Does Select Home Warranty Offer?
Select Home Warranty offers optional add-on coverage for central vacuums, lawn sprinkler systems, pool and spa equipment, septic systems, standalone freezers, sump pumps, and well pumps. These are mechanical and outdoor systems not included in the base plans.
Add-on pricing isn’t publicly listed on the Select website. Customers must request a quote to get specific pricing for optional coverage items. Online reviewers describe the add-on costs as reasonable and unlikely to increase the monthly premium significantly.
Compared to competitors, Select’s add-on catalog is more limited. American Home Shield and Liberty Home Guard offer broader optional coverage including electronics and specialty appliances. Select’s add-ons focus strictly on mechanical systems and outdoor equipment.
Available Add-Ons:
- Central vacuum
- Lawn sprinkler system
- Pool and spa equipment
- Septic system
- Standalone freezer
- Sump pump
- Well pump
- Limited roof leak extension
What Does Select Home Warranty Not Cover?
Select Home Warranty does not cover wall damage when technicians need to access plumbing or electrical systems for repairs. Homeowners must pay out of pocket for any structural repair after a covered system repair requires opening walls or flooring.
And here’s the part most people miss: Select excludes payment for technicians to search for leaks in plumbing or trace wires in electrical systems. These diagnostic labor tasks must be paid by the homeowner before Select authorizes and covers the actual repair. NerdWallet flagged this as a significant out-of-pocket risk for customers.
The maintenance records requirement is the most commonly cited exclusion concern. Select can require proof of regular maintenance for HVAC systems and major appliances before approving a claim. Without those records, the payout is capped at $150 per item regardless of the plan tier or actual repair cost.
Key Exclusions:
- Wall or structural damage during repairs
- Leak detection and wire-tracing labor costs
- Rust or corrosion damage
- Consequential damage (mold growth, water damage from leaks)
- Acts of nature, fires, vandalism
- Hauling away replaced items
- Solar systems and tankless water heaters
What Do Select Home Warranty Reviews Say?
Select Home Warranty holds mixed reviews across major consumer platforms, with high praise for customer service during sign-up and significant criticism of the claims process and coverage limits. Trustpilot records a 3.5 score from over 6,121 reviews. ConsumerAffairs rates it 4.4 from 1,347 reviews.
NerdWallet rates Select 2 out of 5 stars, citing low coverage limits, claim exclusions, and coverage denials as serious structural issues. CNBC Select takes a different view and named Select the best home warranty for affordability. Forbes included Select in its Best of 2025 home warranty rankings.
The BBB records over 5,000 complaints against Select, with a customer review score of 1.75 out of 5. Select isn’t BBB accredited. Despite this, the BBB assigns it a B rating because the company actively responds to and resolves complaints on the platform.
Select Home Warranty Ratings by Platform:
| Platform | Rating | Reviews |
|---|---|---|
| Trustpilot | 3.5 / 5 | 6,121 |
| ConsumerAffairs | 4.4 / 5 | 1,347 |
| ConsumersAdvocate | 4.8 / 5 | N/A |
| U.S. News | 3.8 / 5 | N/A |
| NerdWallet | 2 / 5 | N/A |
| BBB (customer reviews) | 1.75 / 5 | 5,000+ complaints |
What Do Positive Select Home Warranty Reviews Say?
Positive Select Home Warranty reviews most frequently praise the professionalism and knowledge of sales representatives who explain plans clearly and offer competitive rates during phone sign-up calls. Many customers describe the experience as no-pressure and helpful.
Customers frequently highlight the affordable monthly rates, locked-in pricing for the life of the policy, and the 2-months-free annual payment incentive as key reasons for choosing Select. Several reviewers note they switched from Choice Home Warranty and found Select both cheaper and more straightforward.
Plan transferability is another frequently praised feature. Customers who sold their homes report that the transferable warranty added real value during negotiations. The 30-day trial period is also mentioned positively as a safety net for new customers who want to test the service before committing long-term.
What Are the Common Complaints About Select Home Warranty?
The most common complaint about Select Home Warranty is claim denial, with customers reporting that Select rejects claims within hours by citing policy exclusions with little explanation or opportunity for appeal. The maintenance records requirement contributes to many of these denials.
Technician availability is a second major complaint. Multiple reviews describe waiting more than a week for a network technician to become available. In some cases, Select tells customers to find their own contractor and reimburses only $100 — an amount reviewers describe as insufficient to cover most diagnostic fees.
Cancellation difficulty is the third recurring complaint. NerdWallet’s editorial team noted this pattern after reviewing customer feedback. Canceling after the 30-day trial period triggers a fee of the lesser of 10% of the contract value or $50.00, plus any service costs Select has incurred.
How Does Select Home Warranty Compare to Choice Home Warranty?
Select Home Warranty and Choice Home Warranty are both affordable home warranty providers with three and two plan tiers respectively, covering similar systems and appliances at comparable price points. Select’s three-tier structure allows more specific coverage selection than Choice’s two-plan approach.
Both companies have significant BBB complaint volumes. Select has over 5,000 complaints with a 1.75 customer score. Choice has a worse record with over 11,000 complaints and a 1.03 customer score. And it gets worse: an Arizona Attorney General lawsuit filed in 2019 also alleged that Choice used bad-faith refusals to avoid paying claims.
Choice Home Warranty offers higher per-item coverage limits for appliances, which is its main advantage over Select. Select counters with lower monthly premiums, a lower service call fee of $75 versus Choice’s $100, and the inclusion of free roof leak coverage on all plans.
Select vs Choice Home Warranty:
| Feature | Select Home Warranty | Choice Home Warranty |
|---|---|---|
| Plans Available | 3 | 2 |
| Starting Monthly Cost | ~$36/month | ~$45/month |
| Service Call Fee | $75 | $100 |
| Roof Leak Coverage | Included (all plans) | Not included |
| BBB Complaints | 5,000+ | 11,000+ |
| BBB Customer Score | 1.75 / 5 | 1.03 / 5 |
| Plan Transferability | Yes | Limited |
Which Is Cheaper — Select or Choice?
Select Home Warranty is the cheaper option on both monthly premiums and service call fees compared to Choice Home Warranty. Select plans start at $36 per month with a $75 service fee. Choice plans average $45 to $55 per month with a flat $100 service fee per claim.
For homeowners who file two or more claims per year, the $25 difference in service fees at Select versus Choice generates meaningful savings. A household filing three claims saves $75 in service fees alone, partially offsetting the gap in coverage limits between the two providers.
Select’s annual payment promotion further widens the cost advantage. Paying upfront unlocks 2 months of free service and $150 off the plan price. Choice Home Warranty’s upfront payment only provides one month free, making Select the stronger value for customers who prefer to pay annually.
How Much Does Select Home Warranty Cost?
Select Home Warranty plans cost between approximately $36 and $60 per month depending on the plan tier and the homeowner’s location. The Bronze Care plan is the least expensive; the Platinum Care plan is the most expensive. A $75 service call fee applies to every technician visit.
Optional add-ons increase the monthly cost beyond the base plan price. Add-on pricing isn’t published publicly and requires a direct quote from Select. Customers who add pool and spa equipment, a septic system, or a well pump to their plan will pay more than the base monthly rate.
Bottom line: annual payment provides the largest discount available. Paying the full year upfront removes the monthly payment burden and includes 2 months of free service and $150 off the plan. This makes Select one of the lowest effective monthly cost options among home warranty providers.
Is Select Home Warranty Worth the Price?
Select Home Warranty delivers strong value on premium cost and service fee, but the $500 per-item coverage cap limits its actual payout potential for homeowners with older or high-value appliances and systems. The annual cost of a plan may exceed what Select reimburses on a single major claim.
The good news? Select members receive retail discounts of 5% to 75% at Home Depot, Sam’s Club, and Walmart. For homeowners who regularly shop at these retailers, these discounts partially offset the annual premium cost independent of any warranty claims filed during the year.
CNBC Select named Select best for affordability and ConsumersAdvocate rated it 4.8 out of 5. NerdWallet rates it 2 out of 5 due to coverage limits and claim exclusions. The right answer depends on the homeowner’s age of systems, maintenance history, and how much payout per claim they actually need.
Select Home Warranty Pros and Cons:
Pros:
- Plans starting at ~$36/month — among the lowest in the industry
- Low $75 service call fee
- Free roof leak coverage on all plans
- 60-day workmanship guarantee
- Transferable coverage for home sales
- Option to use your own licensed contractor
- Retail discounts of 5-75% at Home Depot and Sam’s Club
Cons:
- $500 per-item cap on appliances and plumbing/electrical
- Maintenance records required or payout drops to $150
- Over 5,000 BBB complaints about claim denials
- Technician availability issues in some regions
- Cancellation fee after the 30-day trial period
Is Select Home Warranty Legit?
Yes. Select Home Warranty is a legitimate, operating home warranty company with over a decade of experience and editorial recognition from major consumer publications. The company has been featured by CNBC Select, USA TODAY, Forbes, and Realty Times. Our team at Coffee Loving reviewed its ratings across six platforms before forming this assessment.
Select was founded in 2012 and serves customers in 46 states. USA TODAY noted in April 2026 that Select plans start under $50 per month and include free roof leak protection — a benefit most competitors charge extra for. Forbes named it among its Best of 2025 home warranty companies.
The company’s high complaint volume at the BBB and a Trustpilot score of 3.5 reflect real dissatisfaction among a subset of customers. These complaints center on claim denials and technician delays rather than on the company’s existence or operational legitimacy.
Is Select Home Warranty BBB Accredited?
No. Select Home Warranty is not BBB accredited and has not agreed to the BBB’s accreditation standards and vetting process. The BBB assigns Select a B rating, which reflects adequate complaint response activity but doesn’t indicate BBB approval or endorsement.
The BBB has recorded over 5,000 complaints against Select, with common issues including slow customer service, limited claim acceptance, and difficulty securing network technicians in certain regions. The customer review score on the BBB platform is 1.75 out of 5 stars.
By comparison, Choice Home Warranty has a worse BBB record, with over 11,000 complaints and a 1.03 customer score. An Arizona Attorney General lawsuit in 2019 alleged that Choice used contract exclusions and bad-faith refusals to avoid paying claims. Neither company is BBB accredited.
Where Can You Buy Select Home Warranty?
Select Home Warranty is available at selecthomewarranty.com or by phone at 855-267-3532, with free instant quotes available online after submitting a short form with the property address and contact information. Sales representatives are also available to walk customers through plan options by phone.
Select is available in 46 states. Nevada, Washington, and Wisconsin are excluded from coverage. Customers in all other states can enroll immediately online or by phone. There’s no waiting period noted in the standard enrollment process for new customers.
Select offers a 30-day trial period after enrollment. Customers who cancel within the first 30 days receive a full refund. After the trial period, a pro-rata refund applies with a cancellation fee of the lesser of 10% of the contract value or $50, plus any service costs Select has incurred on that contract.
Is Select Home Warranty Worth It?
Select Home Warranty is worth it for budget-focused homeowners who maintain their systems regularly, want the lowest monthly premium in the market, and value features like free roof coverage, a low $75 service fee, and transferable plans. It’s one of the most affordable home warranty providers available in 2026.
So, what does that mean for you? Standout strengths include free roof leak coverage on all three plans, retail discounts of up to 75% at Home Depot and Sam’s Club, a 60-day workmanship guarantee, transferable coverage for home sales, and the option to use your own licensed contractor for repairs.
The main weaknesses are the $500 per-item cap for most appliances and systems, the maintenance records requirement that can reduce payouts to $150, and a pattern of claim denials and technician delays reflected in over 5,000 BBB complaints. These issues affect a meaningful share of claimants.
Short answer: homeowners who keep maintenance records, have newer appliances, and want the lowest monthly cost will find Select a strong value. Our reviewers at Coffee Loving Cardmakers recommend comparing American Home Shield or 2-10 Home Buyers Warranty if you need higher payout limits or have older HVAC systems before committing to Select.
