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First American Home Warranty vs Select Home Warranty

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FIRST AMERICAN HOME WARRANTY

Established in 1984, First American Home Warranty has more than 500,000 customers and offers around-the-clock service on their home warranty contracts.

In order to find out if First American can cover your property, you'll need to enter your zip code. You'll be taken to a page that shows you what is covered for your area. But, in order to get pricing, you'll have to enter your full information: name, address, zip code, and so forth. For our residence, we were given these two options:

  • Basic Plan: service call fee of $75, priced at $28/month (or a one-time yearly payment of $300, a savings of $21). Includes coverage of appliances: disposal, dishwasher, range, cooktop, microwave, trash compactor, refrigerator, washer/dryer
  • Premier Plan: service call fee of $75, priced at $44/month (or one-time yearly payment of $492, a savings of $21). Includes coverage of appliances and major systems, such as plumbing, electrical, heating/ductwork, garage door opener, and central vacuum system.

Both plans offer upgrades to cover pool/spa equipment, well pumps, central air (electric), as well as a "First Class Upgrade" that covers more components within the various appliances and systems.

When you look at the quote page, you'll notice plus signs (+) next to each listed component. We weren't thrilled to read that "company shows examples of components 'not covered' to assist your understanding of this Contract, and examples are not exhaustive". In other words, could there be things that are actually not covered, but they're not listed on the quote page? That's not reassuring, to have to download the sample contract just to look up every possible exclusion.

And reassurance may be exactly what you want, because most of the complaints we found regarding First American center around excluded coverage items. Customers described systems that needed repair, and the most common replacement items were actually not covered. We also read a number of reviews that complained about less-than-competent technicians contracted by First American, who wound up causing more damages than they fixed.

But, compared with some of the home warranty companies we surveyed, it does look like First American makes the effort to address such complaints. Both with their "B" rating with the Better Business Bureau and their responses to negative reviews, this company does show respect for the customer.

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SELECT HOME WARRANTY

Select Home Warranty offers three packages for home warranty coverage:

  • Bronze Care: covers basic appliances. Included are clothes washer/dryer, garbage disposal, refrigerator, stove/oven, microwave, cooktop, dishwasher.
  • Gold Care: covers home systems. Included are HVAC system, water heater, plumbing system, ductwork, and electrical system.
  • Platinum Care: this combines all of the coverage at the Bronze and Gold Care levels and includes coverage of plumbing stoppage and ceiling fans.

To find out what your plan will cost, you'll have to click the "Get a Free Quote Now" button. For our residence, we were given a quote of $429.99 (or $36/mo.) for the Bronze and Gold plans, and $499.99 (or $42/mo.) for the Platinum plan. Our quote page also included upgrade options, like stand-alone freezers, septic systems, sump/well pumps, and pool/spa. We also saw that if we paid in full, we'd get an extra two months of coverage.

It might save you some money to hang out on the site for a while. When we went to click to another URL, we got a pop-up offering us $200 off for enrolling that day. Then another message appeared that said we could get that discount plus 2 extra months free and free roof leak coverage if we enrolled in the next five minutes. We don't think most customers want the pressure of making an important decision within a five-minute timeframe, so this offer fell a little flat for us. Later, we found the same offer of extra roof coverage and 2 free months on the Coverage Plans page, with a coupon code on the side of the site.

The site itself felt outdated and less than professional. We found spelling errors, broken links, and missing images. Also, from reading customer reviews, we know that Select does have a Trade Service Call Fee - as do most home warranty providers - but we didn't see that information anywhere on our plan page, FAQs, or other locations on the website.

Those reviews also were very mixed with respect to customer satisfaction. Some praised Select Home Warranty for fast responses and paid claims, while others said it took days, even weeks, to get repairs made. Select said that they didn't have any technicians available, or that items weren't covered; we also saw more than one person who said that customers had to provide years of maintenance records on homes they had only owned for less than a year.

Every home warranty company experiences its share of complaints and issues, but the overall lack of professionalism on the site combined with many negative reviews puts Select Home Warranty at a 2.5-star rating. You may have a better experience with another provider.

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Best Home Warranty

To help you find the Best Home Warranty Companies, TopConsumerReviews.com provides you with an in-depth comparison of First American Home Warranty and Select Home Warranty.

Who has the best Home Warranty? Whether you're a homeowner, landlord, or home seller hoping to sweeten the deal for prospective buyers, a home warranty can make a significant difference. From appliances like washers and dryers to home systems such as HVAC and electrical, home warranty policies protect you in the event of a malfunction or needed repair.

Given that the average costs of even a minor fix can easily run into the hundreds or thousands of dollars, it's easy to understand why many people purchase home warranties every month. The coverage purchased typically explains what is and is not covered, so you know exactly what you're getting. Also, most plans have some kind of deductible or service fee once a technician has been dispatched for your repair or claim.

You should be aware that home warranties are one of the most complained-about services available today. Why? The main reason is that customers don't pay attention to the fine print. When considering a home warranty policy, be sure to take a look at a sample contract. Like all warranty and insurance companies, they're hoping that you don't need to make a claim - and so many of the cosmetic, non-essential inner workings and components may be excluded from coverage.

However, if you take the time to educate yourself on the home warranty you're purchasing, there should be no unpleasant surprises, and your covered systems will be repaired in a timely fashion by a licensed, reputable technician.

As you decide which company earns your business for a home warranty plan, here are several criteria to consider:

  • Coverage. What is included, and what is specifically excluded? Do the plans offered cover the systems and appliances you most want to protect?
  • Premiums and Fees. What will you pay for your coverage? Will you pay monthly, quarterly, or yearly? What are the fees you pay for service calls? Do you have a deductible?
  • Reputation. What is the company's rating with the Better Business Bureau, if they have one? What do current and previous clients have to say about the home warranty, both during the purchasing process and especially during the claims/repairs experience?

TopConsumerReviews.com has reviewed and ranked the best home warranty companies available today. We hope this research helps you find the best home warranty policy for your home or rental property!



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