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2021 Select Home Warranty Reviews: Plans, Coverage And Cost

Ashley Kilroy5-minute read

September 03, 2021

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Appliances never seem to last long these days. The dishwasher goes, then the fridge, and so on. But even if it’s just a few maintenance costs a little too frequently, it can be overwhelming. Homeowners have the choice of home warranty companies on their side, though.

Select Home Warranty is one of the options available to you. It offers various benefits like 24/7 claims service and discounts. With that in mind, here’s a rundown of the company.

Select Home Warranty Overview

Select Home Warranty was started in 2012 and its headquarters are in New Jersey. They offer three home warranty plans with comparable pricing. Their coverage applies to single-family homes as well as condos and multi-unit dwellings.

Plans

Select Home Warranty has three plans available, which makes finding the right type of coverage easy.

The first is called the Bronze Plan, or Bronze Care. It works best for homeowners who want basic coverage for their appliances.

Homeowners who want to focus on protecting their systems can choose the Gold Plan, or Gold Care.

Finally, there is the Platinum Plan, or Platinum Care. It’s the more expensive of the three but combines the coverages in both the Bronze and Gold plans. Homeowners who want an inclusive plan can choose this comprehensive plan.

Optional Add-Ons

Home warranty companies offer homeowners optional coverage for higher-risk appliances or systems or non-major ones. Select Home Warranty focuses its optional coverage on the mechanical areas of your home, including:

  • Central vacuum
  • Lawn sprinkler system
  • Limited roof leak
  • Pool/spa equipment
  • Septic system
  • Standalone freezer
  • Sump pump
  • Well pump

Coverage Options

Each of SHW’s plans covers a different range of appliances and systems. Here’s a breakdown of the Bronze, Gold, and Platinum Care plans:

Cost

Each of SHW’s plans’ costs depend on your plan, optional coverages, discounts, and the state you live.

 

Bronze Care

Gold Care

Platinum Care

Cost (per month)

Approx. $36

Approx. $36

Approx. $42

Cost (per year)

$429.99 per year

$429.99 per year

$499.99 per year

 

A basic plan can result in an average annual home warranty cost between $350 – $600. Competitor pricing includes (approximately):

  • American Home Shield’s: $30 – $45 per month
  • Choice Home Warranty offers: $44 per month
  • First American Home Warranty: $28 – $45 per month
  • America’s 1st Choice Home Clube: $50 per month

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Top Select Home Warranty Reviews

Better Business Bureau (BBB)

As of this article’s publishing date, Select Home Warranty is not accredited by the Better Business Bureau (BBB). Still, it holds a B rating on the platform. The consensus from the consumers claim:

  • Slower than average customer service
  • Limited claim acceptance
  • Some problems with finding network technicians

However, other customers and other review sites also commend SHW for their agents’ interpersonal skills and knowledge.

ConsumerAffairs

ConsumerAffairs rates SHW 4.4 out of 5 stars and hosts a collective 1,347 reviews for it. It cites the large repair professional network and lower monthly costs as SHW’s main draw.

The platform also mentions:

  • Strong customer service interactions
  • Confusion during the claim process
  • Limited claim acceptance

U.S. News

U.S. News rates SHW 3.9 stars out of 5. It records the company’s response time as “same day” and notes it’s more accessible than other home warranty companies. Other highlights include:

  • Discount options
  • Add-on coverage customization
  • Higher monthly costs for example home

ConsumersAdvocate

ConsumersAdvocate rates SHW 4.8 stars out of 5. The review ranks the home warranty company highly in five categories: transparency, claims processing, coverage options, additional benefits, and customer experience. It also mentions:

  • Waiting period and maintenance record requirement
  • Generous limits
  • Good for savings

Why We Like Select Home Warranty

Select Home Warranty is a business that reaches families all across the U.S. to give them peace of mind. Here’s why we think they’re a promising candidate to care for your home:

30-Day Trial Period

Customers get a 30-day trial period, allowing them to cancel if they’re unsatisfied with the service. That gives you time to back out and save money if the plan doesn’t work for you. One of Select’s hallmark features, it’s a great way to protect yourself.

Modern Online Presence

SHW allows customers to submit their claims 24/7 using a virtual claims process. The accessibility makes it easy to complete the claim as soon as something goes wrong, connecting you with your service technician as quickly as possible.

90-Day Repair Guarantee

All covered repairs are guaranteed for 90 days. That protects the work done in your house and ensures it’s completed the right way from the start. And it’s one of the strongest guarantees offered in the industry.

Multi-Year Coverage Discounts

Select Home Warranty offers a unique multiyear discount when customers sign up for more than one year. This is a unique opportunity among home warranty companies. SHW also boasts a free 60-day roof leak coverage option with any policy.

Select Home Warranty FAQs

Is Select Home Warranty available nationwide?

Select Home Warranty is available to customers in 46 states and the District of Columbia. Unfortunately, it does not provide service in Nevada, New York, Washington or Wisconsin. Insurers use them to narrow the protection a plan covers.

Does Select Home Warranty have any coverage limits?

SHW has coverage limits, with heating or cooling equipment (HVAC) capping at $2,000 and appliances, plumbing, and electrical capping at $500. Additional coverage allows for $400, and Freon has a limit of $250. All home warranty providers set these limits. However, SHW requires records of annual maintenance to receive them. Otherwise, you’re limited to $150 for appliances and systems.

There are also coverage exclusions: any type of hazard, situation, or property that a policy does not cover. Insurers use them to narrow the protection a plan covers and often involve higher-risk items. Some SHW exclusions include:

  • Geothermal heat pumps
  • Humidifiers
  • Improperly installed ductwork
  • Solar heating systems
  • Tankless or solar water heaters
  • Water softeners
  • Window air conditioners

Do I get charged per service call or per repair?

Select Home Warranty charges its policyholders a $75 fee per service call. But the company may charge multiple fees if the service call needs to address more than one appliance or system. Other home warranty companies may charge additional service fees if you need different kinds of trade professionals during your service.

Can I use my own contractor for repairs?

SHW arranges technicians for repairs. However, if they have trouble finding one in your area, they will notify you to find your own. If you don’t receive authorization, then Select won’t reimburse you.

The Bottom Line

SHW gives homeowners the policy options they deserve with budget costs and comprehensive coverage. However, despite its offerings and positive customer feedback, the company sometimes struggles with communication and accepting claims. Researching can help ensure you work with a company that provides service fit to your needs. Compare SHW with other top home warranty companies to find the plan that makes sense to you.

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Ashley Kilroy

Ashley Kilroy is an experienced financial writer. In addition to being a contributing writer at Rocket Homes, she writes for solo entrepreneurs as well as for Fortune 500 companies. Ashley is a finance graduate of the University of Cincinnati. When she isn’t helping people understand their finances, you may find Ashley cage diving with great whites or on safari in South Africa.

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