Select Home Warranty Review

Repairs guaranteed for 90 days, plus free leak roof coverage for a limited time

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Select Home Warranty

Select Home Warranty

overall rating
3.7

Our Take

Select Home Warranty offers some uncommon coverage options such as roof leak coverage along with its standard coverages. Additionally, homeowners can get a break on the fees by paying for policies annually and can take advantage of a generous 90 day repair guarantee.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
Pros
  • Free roof leak coverage for the first few months

  • Coverage available in most states (coverage is unavailable in California, Nevada, New York, Washington, or Wisconsin)

  • Two months of free service if you pay annually

  • Repairs are guaranteed for 90 days

Cons
  • May charge multiple trade service call (TSC) fees if repairs on a service call fall into multiple categories

  • Pricing for real estate plans is not available online

Key Takeaways
  • Owners must provide yearly maintenance reports on certain systems in order to guarantee coverage. 
  • Claims can be made at any time with representatives standing by 24/7. 
  • Choose between two service fees to make either your monthly cost lower or reduce your claims costs.
Specifications
  • Year Founded 2012
  • Coverage Coverage available in most states (excludes California, Nevada, New York, Washington, or Wisconsin)
  • Customer Service 24/7 online or by telephone.
  • Waiting Period 30 days
  • Contractor Network Nationwide network of contractors
  • Service Recall Period 90 days
  • Number of Plans 3 plans plus optional add-on coverage along with plans for real estate professionals
  • Coverage Limit Payout caps of $400 ($150 on appliances without proof of three years’ maintenance); HVAC $2,000; freon coverage $250
  • Contract Length 12 months (multiple year options available)
  • Payment Options Select reserves the right to decide whether to replace or repair a covered item, and may offer a cash settlement if the item is irreparable, which will not exceed the item’s depreciated value
  • Cost Services fee $60 to $75. Plan pricing is $400-$600 yearly (may pay monthly or yearly. Two months’ service is free if paying yearly)
  • Official Website https://selecthomewarranty.com/
Table of Contents
Select Home Warranty Review
Select Home Warranty

Select Home Warranty

overall rating
3.7

Select Home Warranty ranked as one of our top home warranty providers. We reviewed the company’s pricing, number and types of plans, claims, and customer service. We also took a look at how the company stacks up to its competition. Select Home Warranty offers some nice sign-up bonuses, including free roof leak coverage if you pay the full balance of your yearly premium. Read on to see whether Select Home Warranty might be the right choice for your home warranty coverage.

Our Expert Janet Says

Coverage can be a yearly term, but multiple-year options are also available. The home warranty from Select covers single-family homes, mobile homes, rental properties, condos, and multiple units.

Company Overview

Select Home Warranty has been in operation since 2012. The company offers three home warranty options. Added coverage is offered at an extra charge. Real estate plans are also offered. Plans come with a yearly term. Multiple-year options are also available. The home warranty from Select covers single-family homes, mobile homes, rental properties, condos, and multiple units. But beware. Payout caps run on the lower side. Coverage is available in most states except California, Nevada, New York, Washington, or Wisconsin.

Homeowner Plans

Select Home Warranty offers three plans for homeowners-Gold Care, Platinum Care, and Bronze Care. The Platinum Care plan offers coverage for 17 systems and appliances. The Gold Care plan covers six appliances and the Bronze Care plan covers eight systems and appliances.

We found this coverage to be rather thin compared to some competitors. There are optional add-ons available for an additional charge.

Appliance/System Gold Care Platinum Care Bronze Care
Air Conditioning/Cooling
Heating System
Plumbing System
Electrical System
Water Heater
Ductwork
Plumbing Stoppage
Clothes Washer
Garbage Disposal
Refrigerator
Stove/Oven ✓ 
Built-In Microwave
Cooktop
Dishwasher
Clothes Dryer
Garage Door Opener  ✓   
Ceiling Fan  

When it comes to repair times, Select Home Warranty dispatches technicians within two days of you filing a claim during the week and within four days on holidays/weekends.

Price

Plan pricing across Select Home Warranty varies from state to state, but the average annual cost of plan is $503.32. Optional add-ons cost the same in every state where coverage is offered. If you choose to pay annually, you receive two free months of service. Additionally, the company offers free roof leak coverage for two months after you sign up.

 If your claim requires two or more types of service technicians to repair, the trade service fee may need to be paid for each provider.

A trade service fee acts like a deductible that you pay when a technician comes out to make your repairs once you file a claim. The higher the trade service fee, the lower your monthly payment. Trade service fees vary depending upon the plan you choose, but the range for Select Home Warranty ranges from $75 to $125.

Plan Monthly Cost in All States
Gold Care $36
Platinum Care $42
Bronze Care $36

In addition to the three available plans, you can also purchase optional coverage. Here is a rundown of the monthly cost of these coverage add-ons.

Optional Coverage Monthly Cost in All States
Pool $8.33
Central Vacuum $3.33
Sump Pump $3.33
Well Pump $3.33
Roof Leak $0 for first few months; after initial sign-up period, price varies by state
Stand-Alone Freezer $3.33
Lawn Sprinkler System $5.83
Septic System $5.83

Payout Caps/Limitations

Payout caps and limitations are a bit stricter and stingier at Select Home Warranty than some providers we reviewed. Unless you provide yearly maintenance and cleaning for covered items and provide three years of prior maintenance records, Select Home Warranty's payout per appliance or home system is capped at $150. Here are the standard payout caps for appliances and systems.

  • HVAC system: $2,000
  • Appliances: $500 (with proof of proper maintenance)
  • Freon (optional): $250
  • Extra coverage options allowance: $400

Exclusions

Even though home warranties are designed to provide coverage when an appliance or a system breaks down, there are limitations. Here's a list of exclusions based on a sample contract.

Appliance/System Exclusions 
General Pre-existing conditions or defects; defects or malfunctions discovered by an inspection company prior to the transfer of ownership of the property or by a utility company at the time of the transfer of ownership
Roof Leak Patios; metal roofs; shingles; cracked or missing material; tiles; tar and gravel; flat or built-up roofs; structural leaks; gutters; downspouts; skylights; flashing; solar components; attic vents; satellite components; antennae; chimney components; repairs requiring partial or complete replacement of the roof
Refrigerator  Sealed system
Refrigerator Ice Maker Standalone ice maker; dispenser; valves; water line
Second Refrigerator Sealed system
Standalone Freezer Sealed system
Oven/Range/Cooktop Range hood
Built-In Microwave Portable, combo, or countertop microwaves
Dishwasher Racks/rollers
Pool/Spa Equipment Portable pools; spas or hot tubs; computerized control boards; heat pumps; leaks
Water Heater Solar or tankless water heating systems; leaks; pumps
Plumbing System Water softeners; slab leaks; polybutylene pipes
Lawn Sprinkler Lack of water pressure; damage due to freezing; heads
Plumbing Stoppages Stoppages caused by collapsed, damaged, or broken drain, vent or sewer lines outside the confines of the main foundation; stoppages due to roots or foreign objects; lines broken or infiltrated by roots or otherwise stopped by roots, even if the break, infiltration or stoppage is within 100 feet from the access point; access to drain or sewer lines from the vent or removal of the water closet; costs to locate, access, or install a ground level clean out; septic tanks
Heating System Solar heating systems or zone systems or wall units or components; air cleaners; humidifiers; flues; coils; heat exchanger; geothermal heating/cooling units; pumps
Septic System Tile fields and leach beds; leach lines; lateral lines; insufficient capacity; clean out; pumping
Electrical System Crushed ductwork; improperly sized ductwork or duct system
Ductwork Crushed ductwork; improperly sized ductwork or duct system
Air Conditioning Window, wall, or portable air conditioning units; Freon; geothermal systems; air filtration systems; humidifiers; condensation leaks; mismatched systems; Freon leaks; damage caused by Freon leak
Garage Door Opener Garage doors; springs; brackets; tracks; rails
Ceiling Fans Lights
Well Pump Holding and storage tanks; piping or electrical lines; booster pumps
Sump pump exclusions: portable pumps; sewer ejector pumps
Sump Pump Portable pumps; sewer ejector pumps
Central Vacuum Clogged pipes

Customer Service/Claims

To submit a claim, you can use the online claim form 24 hours a day, seven days a week, 365 days a year, or e-mail claims@selecthomewarranty.com. To apply for a warranty, you can get a quote online or call the customer service line, 855-267-3532. For general questions, you may call the customer service line or email info@selecthomewarranty.com. Select Home Warranty may not pay your claim if you don’t report the service request before having repairs completed. To be eligible for payment, a claim must be made within three days from the time you detect the malfunctioning appliance or home system.

Real Estate Plans

Select Home Warranty offers home warranty plans for real estate professionals. But you can't get an quote. You must call 855-267-3532 to obtain a quote or complete the online inquiry into real estate home warranty plans and wait for an agent to call you back.

Final Verdict

Select Home Warranty has some nice sign-up discounts. They include two months free if you pay annually and free roof leak repair for the first two months. The company’s repair work is guaranteed for 90 days, a fairly generous guarantee for the industry. All in all, it is a good option to consider when searching for home repair coverage, since it covers most of the U.S., and its service fee is pretty easy to stomach.

Methodology

When reviewing home warranty providers, we collected 875 data points on the top 25 companies in the home warranty industry. These companies represent the vast majority of the overall market share. Our data was collected through online and direct company phone and email outreach across a total of 35 scoring criteria.

Additionally, we conducted a customer survey of 538 consumers. Current, past, and prospective home warranty customers offered valuable input about the criteria that meant the most to them
when choosing a provider.

Read our full methodology.