Select Home Warranty

Select Home Warranty offers three plan options for home warranty coverage and is available in 45 states. California, Nevada, New York, Washington and Wisconsin are excluded from Select’s service area.

• Bronze Care: Covers eight major home appliances
• Gold Care: Covers six major home systems
• Platinum Care: Combination plan covering both appliances and systems. Includes items not covered by either the Bronze or Gold plans, like garage door openers and plumbing stoppages.

Select Home Warranty’s rates are competitive and slightly lower than average, with customers paying around $40 per month for the service. You’ll be charged a service call fee each time a technician is sent out to your home to repair or replace an item. Select Home Warranty’s reduced rate of $45–$60 per service call fee is lower than the industry average of $75.

Depending on which plan you choose, Select Home Warranty has coverage options to cover most major household appliances and systems. They also offer customizable add-ons, including roof coverage, which is available for free during certain promotional periods. Roof coverage is not provided by all home warranty companies, so that coverage is certainly a competitive advantage in Select’s favor. Roof coverage applies to leaks only and does not extend to patios.

Bronze Care:

• AC/cooling
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

Gold Care:

• Cooktop
• Dishwasher
• Garbage disposal
• Microwave (built-in)
• Refrigerator
• Stove/oven
• Washer/dryer

Platinum Care:

• AC/cooling
• Ductwork
• Electrical
• Heating
• Plumbing
• Plumbing stoppages
• Water heater
• Cooktop
• Ceiling fan
• Dishwasher
• Garage door opener
• Garbage disposal
• Microwave (built-in)
• Refrigerator
• Stove/oven
• Washer/dryer

Additional coverage is available for a fee:

• Plumbing fixtures
• Lighting fixtures
• Switches and outlets
• Pool and spa equipment
• Well pump
• Sump pump
• Central vacuum
• Second refrigerator
• Stand-alone freezer
• Lawn sprinkler system
• Septic system coverage
• Refrigerator’s ice maker

Home warranties typically cover mechanical breakdowns of appliances and systems due to normal wear and tear. Warranties generally don’t cover pre-existing conditions, cosmetic issues or item upgrades.

Additionally, Select Home Warranty’s terms and conditions specify they do not cover anything related to hazardous materials like asbestos, lead or gas leaks, damage that’s the result of an act of nature or due to previous improper care, installation or failure to properly maintain a system or appliance. The warranty does not cover any issues related to foundation, structure or manufacturer's defect.

Sometimes, there may be parts or components of a covered system or appliance that are not covered. Select Home Warranty lists the following general exclusions to covered appliances and systems:

• Shelves
• Door handles
• Doors
• Hinges
• Knobs and buttons
• Door seals
• Freon
• Damage from a freon leak
• Displays
• Latches
• Timers
• Leveling equipment
• Clogged drains or lines
• Cosmetic issues
• Gaskets
• Leak searches
• Lights
• Noise
• Refrigerants
• Valves
• Dispensers
• Installation
• Electrical failures and upgrades

For example, Select Home Warranty lists the following exclusions for their coverage on dishwashers: control board pump, switches, drain pump, temp control, heating elements, drain lines. A full list of exclusions can be found in Select home Warranty’s terms and conditions which will be listed in your contract.

Many home warranty contracts will specify a coverage limit or cap, which is the most they will pay out per item or per contract term. If the cost of a repair or replacement exceeds the set dollar limit, you are responsible for making up the difference to get the item fixed.

Select Home Warranty specifies the following replacement allowances in their contract:

Claims must be filed within three days of discovering the problem. To file a claim with Select Home Warranty:

1. Contact Select via phone or submit a claim online.
2. Select will contact an independent contractor to provide repairs within two business days (up to four days on weekends and holidays).
3. If the repair is covered by your warranty, the repair will be made at the cost of Select, less your service call fee (typically $45 or $60, depending on your plan).

Some home warranties provide a “service recall period,” where they’ll waive the service call fee for any repeat visits for the same issue within a certain timeframe. Select Home Warranty does not offer this and will require you to pay the service call fee each time a technician is sent out. We’d love to see a service recall period, but keeping in mind that Select offers some of the lowest service call fees in the industry, the trade-off may be worth it.

Select Home Warranty is one of the more affordable home warranties we’ve seen, both in monthly cost and service call fees. Their plans cover all basic needs when it comes to household appliances and major systems. While there are some stricter terms, like claims needing to be filed within three days to qualify for service, most homeowners will want to act fast when a problem occurs, so we don’t see this being a major deterrent.