2025 Home Warranty Review: A Comprehensive Analysis

Select Home Warranty, founded in 2011, is one of our top picks for the best home warranty companies. We appreciate that Select offers two months free when you pay your annual premium upfront and that there are regular promotions that can save you hundreds on your contract. Additionally, Select is one of the few companies that includes leaky roof repairs as a standard part of its plans.

Homeowners must report claims within three days to receive coverage, while Select has faced numerous customer service complaints.

Pros and cons of Select Home Warranty

Select Home Warranty plans

In the U.S., Home Warranty is not available in Nevada, Washington, and Wisconsin. The plans are offered for single-family and multiple units, condos, mobile homes, rental properties, and manufactured homes.

Bronze Care

The average monthly rate for major home appliances, including refrigerators, stoves, dishwashers, built-in microwaves, washer/dryers, garbage disposals, and roof repair is $44 with a discount.

Gold Care

The average monthly rate for major home systems repairs, including HVAC, plumbing, electrical, water heaters, ductwork, and roof repair, is $44 with a discount.

Platinum Care

Select Home Warranty offers coverage for Bronze and Gold plans, as well as garage door openers, ceiling fans, and plumbing clogs. The average monthly rate with a discount is $47. However, there is a 30-day waiting period during which the replacement cost of systems or appliances is not covered. Additionally, the company may request up to three years' worth of maintenance records for certain systems and charge as much as $150 if they're not available.

Add-ons

Additional items can be added to any Select plan, including:

• Pool and spa
• Septic system
• Central vacuum
• Lawn sprinklers
• Standalone freezer
• Sump pump or well pump

Requirements and exclusions

Review your policy before purchasing, as some systems and appliances are excluded from Home Warranty coverage for issues resulting from neglect or misuse, improper installation, manufacturer defects, power failures or surges, cosmetic flaws or corrosion, lead, or asbestos.

Coverage limits

Select sets caps on how much it will pay for repairs or replacements.

• Appliances: $500
• A/C and heating: $3,000
• Electrical systems: $500
• Plumbing: $500
• Add-ons: $400
• Freon: $200

Cost

The cost of service calls for Home Warranty ranges from $75 to $100, which is typical in the industry. However, if multiple contractors are required to fix an issue, you will be charged separately for each visit.

Customer service

Although the Better Business Bureau gave Select Home Warranty a B- due to a high volume of complaints, 60% of the company's customer reviews on Trustpilot have 4 or 5 stars.

You can purchase a policy online or over the phone and submit claims 24/7 through the online client portal or by phone. There is no mobile app or online chat feature.

While most service requests are typically answered within two business days, it may take up to four days on weekends and holidays, as stated by Select.

If you cannot choose your contractor, Select mandates that its network technicians provide a 60-day warranty for their work. Policies can be canceled for a full refund within 30 days without any service calls. However, after this period, you may receive a prorated refund and be charged a $75 cancellation fee.

How does Select compare to other home warranty companies?

We put Select Home Warranty up against two major home warranty competitors.

Select Home Warranty vs. Liberty Home Guard

Liberty Home Guard's plans are more expensive than Home Warranty's, with the cheapest plan starting at $50 a month compared to Home Warranty's $44 a month. However, Liberty offers a bonus of two free months when you pay in full, which could lower your overall cost.

Liberty and Select have different coverage limits for HVAC systems and appliances. Liberty pays out $2,000 for HVAC systems, while Select pays $3,000. However, Liberty covers $2,000 per appliance, while Select only covers $500 per appliance. Both companies cap electrical and plumbing repairs at $500 per contract.

Liberty Home Shield offers additional services such as gutter cleaning, window washing, and pest control. Additionally, it has a better customer service record, with 95% of reviews on Trustpilot giving it four or five stars.

Select Home Warranty vs. Choice Home Warranty

Choice Home Warranty has higher coverage limits for most items, but it also has a higher starting price point and doesn't offer an appliance-only plan. On the other hand, Select Home Warranty offers more affordable pricing and a range of discounts, making it a better option for those looking for a more budget-friendly option.

While both Choice and Select offer coverage for many of the same appliances and systems, only Choice offers roof leak repair as an additional service. In contrast, Select includes roof leak repair for free with most contracts.

Although Choice has received high ratings on Trustpilot, it is currently facing a lawsuit from the Arizona Attorney General's office for allegedly using tactics such as contract exclusions, payment caps, and bad-faith refusals to avoid paying for repairs.

How do I buy a policy from Select Home Warranty?

You can obtain a rate quote or sign up for a contract with Select Home Warranty online or by phone at 855-267-3532. If your home exceeds 5,000 square feet, there will be an additional fee.

Is Select Home Warranty worth it?

If you're in need of a service contract but don't have the funds for out-of-pocket repairs, Home Warranty's low rates and broad coverage features make it a good option. However, if you're seeking a contract with higher coverage limits or no service records required, you may need to explore other options.

Why trust CNBC Select?

Our goal at CNBC Select is to deliver top-notch service journalism and detailed consumer advice to our readers, enabling them to make well-informed decisions when it comes to their finances. Each home warranty review we publish is the result of thorough reporting by our team of experienced writers and editors, who possess a wealth of knowledge about home warranty products. At CNBC Select, we take pride in our commitment to journalistic standards and ethics, and we earn a commission from affiliate partners on many offers and links. However, our content is created independently by our team, without any input from our commercial team or external third parties.

Our methodology

CNBC Select reviews home warranty companies based on various factors:

• We took into account the states where a company issues policies and any applicable waiting periods.
• We evaluated premiums, service call fees, and discounts, as well as any limited-time offers, when considering costs.
• We evaluated companies based on the comprehensiveness of their plans and the availability of additional features for an extra fee.
• We took into account the restrictions on plans, the coverage requirements, and the necessity of maintenance records to approve a claim.
• We evaluated customer satisfaction by examining the availability of customer service representatives, the speed of technician contact, Better Business Bureau ratings and review scores, and any pending legal actions.
• We observed if a company permits customers to select their own licensed technician.

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