Select Home Warranty Review 2026: Prices and Plans
Three plan options with available discounts don’t balance out coverage exclusions, low coverage limits and mixed customer reviews.
Three plan options with available discounts don’t balance out coverage exclusions, low coverage limits and mixed customer reviews. With plans that cover only systems, only appliances or a combination of both, Select Home Warranty has a good set of coverage options for most homeowners. In online reviews, many customers mention good monthly fees and discounts that make the company more affordable.
However, NerdWallet’s editorial team found a few issues and policies that don’t work in a homeowner’s favor, including:
Low coverage limits that restrict how much the company will pay for repairs.
Policies and exclusions that are more restrictive than some of its competitors’ policies.
No mention of a repair guarantee in the sample contract.
Incorrect quotes that didn’t match advertised discounts.
TL;DR. Select Home Warranty has a low NerdWallet rating because of its limited coverage and trends with online customer reviews.
The NerdWallet Home Services editorial team spent hours reading up on Select Home Warranty’s plans, coverage, pricing and policies. We dug through the company’s newest sample contract — and in this review, we’ve highlighted policies and exclusions that we think are important for homeowners to understand. Then we talked with a Select representative to clarify any ambiguous coverage policies. To get a full picture of pricing, we requested quotes for major cities in different states that represent different costs of living and compared those to quotes from Select’s competitors. We also read through Reddit and three online consumer review websites to identify trends in consumer experiences, which we’ve summarized for you in this review.
The Nerds’ take on Select Home Warranty
Select Home Warranty offers an appliance-only plan, a systems-only plan and a combined plan so customers can be more specific about their coverage.
NerdWallet rating: 1.5 out of 5 stars.
What makes it shine: Select has three plans available that cover only appliances, only systems and a combination of appliances and systems. It also has optional coverage for common items that aren’t included in their plans.
Online reviews show that customers feel Select’s pricing is affordable, especially with available discounts. Additionally, add-on coverage items are decently priced, so they won’t increase your monthly cost by much. Select also has different service fee options, but you’ll have to adjust your service agreement length to get a lower service fee.
What could be better: The maximum amount Select pays for repairs to certain items is low compared to some of its competitors’ limits.
The company also excludes coverage on specific items that some of its competitors cover, such as attic fans and the cost for technicians to search for leaks. Like some other home warranty companies, Select will pay customers the depreciated value of items that need to be replaced, which is unlikely to be enough to cover the full cost of a replacement. And the company won’t pay for a replaced item to be hauled away.
Our Home Services editorial team also noticed a trend among online reviews that customers have trouble canceling their contracts.
Cost | ✅ Competitive prices with identical pricing in all states. |
Plan options | ✅ Appliance-only, systems-only and comprehensive plans available. |
Optional coverage | ✅ Competitive pricing with a decent list of options. |
How much it pays for repairs | ❌ Decent limits for HVAC but low limits for appliances, plumbing, electrical and add-on items. |
What it doesn't cover | ❌ More limiting than some competitors' exclusions. |
How long it guarantees repairs | ❌ None stated in the sample contract. |
Customer satisfaction scores | ❌ Inconsistent customer ratings. |
Select Home Warranty plans
Select offers three plans:
The Bronze plan covers major kitchen and laundry appliances.
The Gold plan covers major home systems, such as HVAC and plumbing.
The Platinum plan combines the other two plans for comprehensive coverage of appliances and systems and adds ceiling fans, garage door openers and plumbing stoppages to the plan.
Bronze plan | Gold plan | Platinum plan | |
|---|---|---|---|
Appliances | |||
Clothes dryer | ✅ | ❌ | ✅ |
Clothes washer | ✅ | ❌ | ✅ |
Dishwasher | ✅ | ❌ | ✅ |
Garbage disposal | ✅ | ❌ | ✅ |
Built-in microwave | ✅ | ❌ | ✅ |
Refrigerator | ✅ | ❌ | ✅ |
Stove/oven | ✅ | ❌ | ✅ |
Systems | |||
Air conditioning | ❌ | ✅ | ✅ |
Heating | ❌ | ✅ | ✅ |
Ductwork | ❌ | ✅ | ✅ |
Electrical | ❌ | ✅ | ✅ |
Plumbing | ❌ | ✅ | ✅ |
Water heater | ❌ | ✅ | ✅ |
Additional items | |||
Ceiling fans | ❌ | ❌ | ✅ |
Garage door opener | ❌ | ❌ | ✅ |
Plumbing stoppages | ❌ | ❌ | ✅ |
Although plumbing stoppages are included in the Platinum plan, Select doesn’t cover stoppages caused by damaged, broken or collapsed vents, drains or sewer lines. It also doesn’t cover stoppages caused by roots or foreign objects.
🚨 Nerd Alert 🚨 Select Home Warranty doesn’t cover any vents, including attic fans, which are covered by some of its competitors.
You can add coverage for items that aren’t in your plan, including for:
Central vacuum system.
Lawn sprinkler system.
Pool.
Limited roof leak.
Septic system.
Spa.
Standalone freezer.
Sump pump.
Well pump.
Select’s sample contract says that optional coverage is also available for plumbing and lighting fixtures, an additional refrigerator and a refrigerator ice maker, but none of these options were available for our Home Services Nerds when walking through the company’s checkout page. We reached out to Select to clarify if the optional coverage is still available for these items, but we were unable to reach a Select representative.
» MORE: NerdWallet's picks for the best home warranties for appliances
Select Home Warranty cost
Monthly fees
Like most home warranty companies, Select Home Warranty charges customers a monthly fee. Its plans start at $60.42.
To get a better idea of how much Select charges different customers, the NerdWallet editorial team requested quotes for different cities in the U.S. that represent different costs of living. We found that Select has consistent pricing, and all customers pay the same price regardless of their locations.
City | Bronze plan | Gold plan | Platinum plan |
|---|---|---|---|
Dallas, Texas | $60.42 monthly. | $60.42 monthly. | $63.75 monthly. |
Tulsa, Oklahoma | $60.42 monthly. | $60.42 monthly. | $63.75 monthly. |
Portland, Oregon | $60.42 monthly. | $60.42 monthly. | $63.75 monthly. |
Average | $60.42 monthly. | $60.42 monthly. | $63.75 monthly. |
🚨 Nerd Alert 🚨 When the NerdWallet Home Services team reviewed quotes that Select Home Warranty provided us on its website, we noticed that the quote for the annual price (if we made one payment for a year’s coverage) didn’t match the discount Select advertised. nstead of $150 off and two months free, the quote showed we would pay $479.99, which comes out to $150 off the original price of $629.99. But the price should be lower if we were also receiving two months for free.
Our Nerds reached out to Select several times to ask how the company calculates its advertised discounts, but we weren’t able to get in touch with them. Because we weren’t able to discuss this with them, we advise potential customers to double-check quotes for Select Home Warranty’s plans to ensure they are receiving all advertised discounts.
Service fees
As with all home warranty companies, Select Home Warranty charges a service fee when it schedules a technician to visit your home. Service fees are between $75 and $100 and depend on how long your contract is. You’ll pay this service fee before a technician comes to your property, and you can’t get a refund if Select denies your claim. Most home warranties have similar policies about refunding service fees.
Optional coverage to add items
If you add coverage for extra items to your plan, you’ll pay a fee for each optional item, increasing your monthly cost.
Add-on item | Monthly cost |
|---|---|
Central vacuum system | $3.33. |
Lawn sprinkler system | $5.83. |
Pool | $8.33. |
Roof leak | No cost listed.* |
Septic system | $5.83. |
Spa | $5.83. |
Standalone freezer | $3.33. |
Sump pump | $3.33. |
Well pump | $3.33. |
*The price listed for roof leak coverage was $0.00 when we tested Select Home Warranty’s website to purchase a plan. We believe this was a promotional price and tried to contact the company to learn the regular price of the optional coverage. However, we did not hear back from Select. | |
» MORE: How much does a home warranty cost?
How much Select Home Warranty pays for repairs, aka coverage limits
🚨 Nerd Alert 🚨 Select Home Warranty’s sample contract is unclear when stating coverage limits. We tried to get in touch with the company to ask for clarification but weren’t able to reach anyone. The coverage limits we have below are how our Nerds interpret Select’s sample contract.
Select Home Warranty limits how much it pays for repairs and replacements of covered items, and each category of items has its own limit. Although this is a common policy for home warranties, Select’s coverage limits for plumbing, electrical, appliances and optional items are lower than some of its competitors’ limits.
Repair category | Amount Select pays per contract term |
|---|---|
Air conditioning and heating systems | $3,000 combined for both systems. |
Plumbing | $500. |
Electrical | $500. |
Appliances | $500 per appliance. |
Select also limits how much it pays for repairs and replacements of optional items that you add to your plan. The company will pay up to $400 to repair each optional item.
When Select Home Warranty refuses to pay for repairs, aka exclusions
Select Home Warranty covers items that fail because of everyday use, referred to as normal wear and tear. This includes issues related to corrosion, rust and buildup from sediment or chemicals, which many home warranties exclude. However, the company doesn’t cover items that:
Have pre-existing conditions, which are issues that occurred before the start of the service agreement.
Incur damage from people, pests or pets.
Malfunction because of rust, corrosion, sediment or metal fatigue.
Have cosmetic defects that don’t affect the item’s function.
Are missing components or parts.
Malfunction because of a lack of capacity.
Are improperly installed or have been improperly repaired or modified.
The manufacturer has recalled or determined to be defective.
Like most home warranty companies, Select doesn’t pay for routine maintenance.
🚨 Nerd Alert 🚨 Select Home Warranty doesn’t pay for technicians to search for leaks with plumbing issues, trace wires for electrical problems and a few other things that might be necessary to repair an item. In these cases, you’ll likely have to pay for that part of the repair out-of-pocket.
Select Home Warranty can require you to provide maintenance records for certain systems or appliances when it reviews a claim. Home warranties that require customers to show maintenance records usually want them for HVAC systems. In this case, our Nerds recommend that you have your HVAC system maintained by a professional company with seasonal tuneups to show you’ve maintained the system in case you have to submit a claim.
» MORE: Best home warranties for rental properties
NerdWallet's Editorial Team Picks for Best Overall Home Warranties
See which home warranties our writers and editors think are the best options for homeowners.
The fine print in Select Home Warranty’s contracts
Repair guarantee
Most home warranty companies guarantee their technicians' work for 30 or 60 days and don't charge a service fee if a repair fails during that time. However, Select Home Warranty doesn't list this guarantee in their sample contract. Our editorial team tried to reach out to Select Home Warranty multiple times to clarify if the company has a repair guarantee, but we weren’t able to get in contact with a representative.
Replacing items
Select’s sample contract says that the company will choose a replacement item that has a similar capacity to the old item, but that might be where the similarities to other home warranties stop. Select does not try to match your old system or appliance if it pays to replace it. That means it can install a new item that is a different brand, dimension or color. Although having a different brand or color could throw off the look of your kitchen, getting a replacement appliance or system with different dimensions could be problematic if it doesn’t fit where your old item was located.
Select also replaces items with builder’s grade quality, which usually refers to cheaper options that don’t look as nice or last as long as higher-end items. They will still do what you need them to do, but they might not be the same quality as the one that Select is replacing.
‘In lieu of replacing a system or appliance’
Like many home warranties, if Select decides it can’t replace an item or that it’ll cost too much to do so, the company can pay you what it would’ve spent on replacing a covered item instead of actually replacing it. However, Select bases the amount it’ll pay on the depreciated value of the old item.
A depreciated value considers how old the item is and how much value it has lost since it was new. Like a car that loses value as soon as you drive it off the car lot, your appliances and systems are worth less after you’ve used them.
A depreciated value is likely to be less than what it costs to replace your item with an identical one, and in some cases it might not be enough to purchase a replacement. If it’s not enough to purchase a replacement, Select will likely pay you for the depreciated value of your old item and require you to pay the difference to purchase a replacement item.
A common reason home warranty companies choose to pay customers instead of replacing an item is when the cost to repair or replace it will cost more than the remaining coverage limit on the customer’s contract.
Taking away replaced items
Select doesn’t pay for repair technicians to haul off any replaced items. That means you might have to pay for a technician to take away and dispose of your old water heater or oven, for example, if Select agrees to pay to replace it. That could cost you out-of-pocket in addition to your service fee and any other costs you’re responsible for paying.
» MORE: What does a home warranty cover?
Where is Select Home Warranty available?
Select Home Warranty sells plans in 46 states
What homeowners say about Select Home Warranty
To get a picture of customer experiences, NerdWallet looks at consumer reviews from sites like the Better Business Bureau. Our team also considers Reddit, an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like home warranties, so we sifted through Reddit forums to get a pulse check on how users feel about Select Home Warranty. People post anonymously, so we cannot confirm their individual experiences or circumstances.
Reviews by happy customers say that the price works for their budget. Some reviewers also mention helpful discounts, with one customer noting on Trustpilot that they appreciated the military service discount.
Customers also note that Select provides great service and schedules technicians quickly for repairs. Some customers who said they were disappointed with Select’s response to their claims said they were still satisfied with the technicians’ work and professionalism.
Read through positive online reviews. The NerdWallet editorial team noticed that some positive reviews of Select Home Warranty appeared to be from customers who were reviewing their purchasing experience, not their repair experience. We recommend looking for reviews that focus on customer experiences when using the home warranty.
Unhappy customers note unhelpful or rude technicians or issues with technicians not showing up for appointments. They also mention unhelpful customer service and representatives not returning calls when they say they will. Disappointed customers also state that Select says malfunctions are caused by issues that aren’t covered to avoid paying for repairs.
🚨 Nerd Alert 🚨 Several reviews describing issues with customer service representatives being rude or unhelpful when customers want to cancel their service agreements. Our NerdWallet editorial team believes this trend signals that Select Home Warranty might not cancel customer service agreements as easily as it says it will in the sample contract.
What to know before buying a home warranty
Reading the coverage and exclusions information in your contract is one of the most impactful things you can do to avoid costly misunderstandings in the future. You have a right to read your contract before purchasing a plan, and it’s important to understand that home warranties:
Always have exclusions to coverage, no matter what their sales pitches say. Read your contract carefully before purchasing a plan — especially anything listed as an exclusion or limit of liability. For example, a company might cover air conditioning systems but exclude certain parts or components, such as coils. Other companies cover plumbing repairs but won’t pay to clear all plumbing stoppages or repair certain types of leaks.
Are not a type of insurance. Even though some companies call their service fees deductibles, home warranties do not work the same way as insurance policies. They differ in what they cover and how they pay for repairs or replacements. A home warranty is not a supplement for homeowners insurance.
Limit how much they pay. If the cost of a repair or replacement goes beyond a limit stated in your contract, you’ll have to pay the difference. For example, if the bill for a repair is $2,000 and the limit is $1,500, you’re required to cover $500. This is in addition to your monthly premium and service fee.
Can deny your claim for several reasons. Examples include if you had work performed on a covered item without approval or you modified the system or appliance.
May not pay enough to cover the full cost of replacing a covered item. Home warranties often depreciate the value of items as they age, so you’ll likely have to pay at least some money to replace an item, even if it’s covered by the contract.
FAQs
How much does Select Home Warranty cost?
Select Home Warranty’s plans cost between $60.42 and $63.75, depending on the plan you choose.
Does Select Home Warranty cover HVAC repairs?
Yes, Select Home Warranty’s Gold and Platinum plans cover repairs to heating and air conditioning systems.
What types of plans does Select Home Warranty offer?
Select Home Warranty has appliance-only, systems-only and comprehensive plans available.
Is Select Home Warranty available in every state?
No, Select Home Warranty only sells plans in 46 states. It doesn’t cover properties in Iowa, Nevada, Washington and Wisconsin.
Alternatives to Select Home Warranty
First American Home Warranty
Unlike most competitors, First American Home Warranty's most basic warranty covers both systems (plumbing, electrical and heating) and certain appliances.
What the Nerds like about it
Competitive prices for its coverage in some states.
Has a high coverage caps compared to many competitors.
Increases appliance coverage limits with its top plan.
Why it's a good alternative to Select Home Warranty
First American Home Warranty:
Offers coverage in three of the four states that Select doesn't have coverage (neither cover Wisconsin).
Has flexible service fees that you can choose, but they're higher than Select's service fees.
Has multiple comprehensive plans to vary coverage.
This option makes more sense for homeowners who want higher repair limits for any covered item that malfunctions.
Read our full review of First American Home Warranty.
American Home Shield
Unlike most plans, the ShieldPlatinum plan includes roof leak coverage. Usually, this coverage is only available as an add-on.
What the Nerds like about it
Has competitive prices for its coverage in some areas.
Has high coverage limits for some categories.
Lets you choose between two service fees.
Why it's a good alternative to Select Home Warranty
American Home Shield:
Has higher coverage limits.
Covers additional causes that most companies don't cover, such as insufficiency maintenance.
Covers homes in most states.
This option makes more sense for homeowners who want coverage for certain situations that competitors exclude, including lack of maintenance or rust and corrosion.
Read our full review of American Home Shield.
Liberty Home Guard
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
What the Nerds like about it
Competitive prices for its coverage.
Offers appliances-only, systems-only and comprehensive plans.
Has a higher customer satisfaction score than many of its competitors.
Why it's a good alternative to Select Home Warranty
Liberty Home Shield:
Has higher coverage limits for HVAC and appliance repairs.
Is available in 50 states and Washington, D.C.
This option makes more sense for homeowners who want a longer repair guarantee with cheaper monthly fee options.
Read our full review of Liberty Home Guard.
Methodology
NerdWallet's Home Services team evaluated home warranties across several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. Because costs can vary by location, it's best to get quotes from multiple companies before making a decision. Read more about how NerdWallet rates home warranties.