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Select Home Warranty Review

Saturday, April 20th

2024 Home Warranty Company Reviews

Select Home Warranty Review 3 Star Rating

Select Home Warranty

3 Star Rating
  • In business for 10+ years
  • 3 warranty plans to choose from
  • Discounts when you pay annually instead of monthly
  • Undisclosed trade service call fees

Based in New Jersey and in business since 2012, Select Home Warranty offers coverage for appliances, home systems, or a combination of the two.

Choose from 3 plans

Select Home Warranty has three plans:

  • Bronze Care: covers the clothes washer and dryer, refrigerator, built-in microwave, cooktop, stove/oven, and garbage disposal - basically just your appliances.
  • Gold Care: covers your HVAC, water heater, ductwork, electrical and plumbing.
  • Platinum Care: includes all features in the Gold and Bronze plans, and adds protection for your garage door opener, ceiling fans, and plumbing stoppage.

When you select one of SHW's plans, you'll see a la carte coverage at the bottom. For example, you could include coverage of your lawn sprinkler system for $5.83/month, your sump pump for $3.33/month, and so on.

Look for promotions

At the time of this review, Select Home Warranty was offering a promo that included $150 off any plan, free roof coverage, and two extra months free on plans paid yearly. So, in our area, our options were Bronze or Gold Care for $44.42/month, or Platinum Care for $47.75/month. Annually, these plans were priced at $479.99 and $524.99, respectively.

Service fees not shown

We don't love that Select Home Warranty doesn't make it clear that customers will be charged a trade service call fee for every claim - or maybe even more than one fee, if different trades are required to make a repair (electrical and plumbing for a short in the kitchen sink area). We got through the entire sign-up process without having that disclosed. Throughout the site, it references a "small fee" , and even their terms and conditions just say "a $ fee" without giving a number. Not very transparent, is it? Finally, digging through years-old blog posts, we found a reference to a fee that "ranges from $75 to $100, depending on the length of your contract" - but again, that wasn't shown anywhere during the quote and payment process.

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Expect repair delays

The Better Business Bureau gives Select Home Warranty a "B" rating. That stems from over 4800 complaints filed with the BBB in the three years leading up to this evaluation - which is, sadly, not unusual among home warranty companies. The "B" rating indicates that despite having a large number of complaints, SHW is doing a satisfactory job of responding to and resolving them. The biggest source of problems here seems to be repairs scheduling: it can take weeks before a broken AC unit, pipe, or appliance gets serviced and fixed by a technician. Of course, this may vary based on where you live, and on the availability of parts and repair specialists.

Five-star reviews... so far

In contrast, we found lots of love for Select Home Warranty plans too: over 1600 five-star reviews from people who describe getting prompt service on claims and affordable pricing. We did note that some of those five-star reviews were strictly based on the sign-up experience (friendly sales rep, affordable plans) - and we wonder if those glowing reviews might drop in the future after they've had to make a claim.

On the right track but still lacking

We give Select Home Warranty props for cleaning things up since our last review: they've actually done more to show their coverage and pricing now than in the past, and we didn't find the broken links and spelling errors from our previous evaluation. But, that's not quite enough to earn a boost in our rating. SHW needs to be much more transparent with their call fees, and we'd like to see more attention to on-time repairs as well. Try a better-ranked home warranty company first.

Where Can You Get the Best Home Warranty Protection?

Maybe you're a landlord trying to mitigate your operating expenses. Or you're trying to sell your home in a tough market and want to set prospective buyers' minds at ease. Then again, you could be like the average homeowner who wants some protection against those unexpected expenses like a failing air conditioner or a leaky bathtub.

In all of these situations, a good home warranty is a wise choice that can make the difference between a quick, inexpensive fix and a huge repair bill. How do home warranty plans work? Most providers give you several plans to choose from, ranging from basic coverage of appliances or systems, to premium packages that cover just about every component of your home. There are usually add-on services for an extra fee, like coverage of your electronics, sump pumps, septic systems, pools/spas, and so on.

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Home Warranty Company FAQ

Home warranties protect your home's appliances and systems in the event of a malfunction. Normal wear and tear takes a toll on all systems in your house, so a home warranty saves you from having to spend the hundreds or thousands of dollars it takes for even the smallest of repairs. By purchasing a home warranty plan, you're able to call a technician to repair or replace your faulty appliances when needed.
Having a home warranty provides peace of mind. It usually comes as a surprise when your heating system stops working, your dryer breaks, or your air conditioner goes out. When your systems and appliances need a repair, it is an urgent matter and you want to make sure you're able to afford the cost of getting them fixed. If you have a plan that covers the item that malfunctions, you'll have it paid for minus the cost of any applicable deductible or service fee.
When purchasing a home warranty, you'll be able to select from different plans depending on what you want covered. They might include a kitchen plan (fridge, range, oven, dishwasher, garbage disposal, etc.), heating and cooling (air conditioning, interior electrical system, central heating, etc.), plumbing systems, pool pumps, garage door opener, TVs, laptops, and more. You can buy as many plans as you want or bundle and save!
Home warranties are usually billed monthly and range from about $30 - $100/month depending on what you want covered, how many plans you buy, if you bundle your plans, and so on. On top of this, the company you use might charge service fees or have a deductible set up that you'll need to meet before they cover the rest of what it takes for repairs. Either way, having a home warranty will likely save you thousands of dollars in the long run since appliance repairs can be so expensive.
Home warranties cover the effects of normal wear and tear on systems and appliances. After running your dishwasher a couple hundred times, it might need maintenance, which would be covered by your warranty (if you selected a plan that included it). Home insurance protects you financially from unexpected major events like a fire, flood, or weather damage. It allows you to get a lump sum of money to replace items in the home or the house itself when disaster strikes. However, if your air conditioning goes out in the middle of summer, you're out of luck if you have home insurance without a home warranty.
A home warranty lasts as long as you choose to pay for it! Many people just budget for it long-term and pay year after year just like they make their house payment. You can pay monthly or make a yearly payment on the type of coverage you select. As long as you are subscribed to a home warranty plan, you'll be able to have a repairman come to your home to take care of your appliances and systems when problems arise.
There is no limit to the number of repairs you can call in during your home warranty contract. If there is a service fee, you'll need to pay that each time a technician comes out. If you have a deductible to meet, you'll pay for each repair until you hit your deductible and can be fully covered by the company. It's reassuring to know that regardless of how many things go wrong in your home, as long as your contract includes the repairs, you'll be able to have them taken care of!
Every home warranty service might do things a little differently. Most of the time you'll be able to call in and let them know your issue and get a timeframe for a technician to come make repairs. Some companies have an online form you fill out and then they contact you back and dispatch their workers. It's easy to get the help when you need it within a reasonable timeframe when you're dealing with home warranty companies.
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Continued from above...

All home warranties have limits, exclusions, and caps on the amount your policy will pay over the life of the contract: this is one of those times where it's essential to read the fine print and understand what's covered and what's not.

You should also expect a 30-day waiting period before your coverage takes effect. In other words, don't think you can hurriedly throw a warranty plan on your broken fridge and expect it to get fixed - unless you want to wait a whole month. Many home warranty companies use this time as a money-back guarantee period, in case you change your mind or discover something in your policy that you weren't aware of when you signed up. One such "surprise" is often the trade call service fee: what you'll pay per service call, similar to a copay you'd have on a medical insurance plan or a deductible with your car insurance. Be aware that you could have multiple fees for a single repair, if the fix requires different tradespeople to get it taken care of (both a plumber and an electrician).

You've got a lot of companies to consider for your home warranty, and it's easy to get overwhelmed. How can you tell which ones will deliver what they promise? Here are the most useful criteria to guide your decision:

  • Reputation. First and foremost, what do homeowners say about their experience with the home warranty provider? Are claims handled quickly, with repair technicians dispatched in a timely manner? Does the company approve claims easily, or should you expect to fight to get them approved and paid for? How many complaints have been registered, in comparison with any positive feedback?
  • Coverage. What will you get for what you pay? Can you select a tier of service that doesn't make you spend money on coverage you don't need? What's included and what's not?
  • Value. What will you spend on your home warranty? How much will you pay for trade service call fees? Play with the numbers and see what your annual premium totals and fees might be, compared with what you'd spend out of pocket to take care of the repairs on your own.

To help protect your home (and your savings), TopConsumerReviews.com has evaluated and ranked today's most popular home warranty providers. We're sure this information will help you choose the right plan for your property!

Compare Home Warranty Companies

Select any 2 Home Warranty Companies to compare them head to head

  • American Residential Warranty
  • Elite Home Warranty
  • First American Home Warranty
  • Cinch Home Services
  • Select Home Warranty
  • Home Warranty of America
  • Choice Home Warranty
  • American Home Shield
  • Guaranteed Home Warranty
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