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Select Home Warranty Review: Budget Pick or Skip?

By Editorial Team
Select Home Warranty budget home warranty review

⚡ Quick verdict: Select Home Warranty is a budget-first provider built around low monthly premiums and a nice bonus most rivals charge extra for: free roof-leak coverage. It's a sensible pick if keeping your monthly cost down is the priority. The catch is lower coverage caps than premium providers like American Home Shield, so a major big-ticket repair might not be fully covered. For cost-conscious homeowners with realistic expectations, Select earns its "budget pick" label.

If your main goal is the lowest possible monthly premium, Select Home Warranty almost always shows up on the shortlist. It's priced aggressively, throws in roof-leak coverage for free, and runs frequent promotions. But low price always comes with trade-offs in this category. This review lays out exactly what Select costs, what it covers, where it falls short, and whether the budget pick is the right call for you.

Select Home Warranty at a glance

Feature Details
Plans Bronze Care, Gold Care, Platinum Care
Typical price ~$35–$48/month
Roof-leak coverage Included free (limited)
Standout strength Low premiums; free roof coverage
Main drawback Lower coverage caps

Plans and pricing

Select keeps three plans:

  • Bronze Care — covers appliances (refrigerator, oven, dishwasher, washer, dryer, etc.).
  • Gold Care — covers systems (HVAC, plumbing, electrical, water heater).
  • Platinum Care — combines systems and appliances plus extras, including free roof-leak coverage. This is the plan most homeowners should choose for full coverage.

Pricing typically runs about $35–$48/month — among the lowest in the industry — and Select frequently runs promotions (free extra months, waived fees) that cut the effective cost even further.

💡 Tip: Always ask about current promos before signing up with Select. The company runs them often, and a couple of free months or a waived service fee can meaningfully lower your first-year cost — but confirm what the rate renews at after the promo ends.

The free roof-leak coverage perk

One genuinely standout feature: Select includes limited roof-leak coverage for free with its plans. Most competitors treat roof coverage as a paid add-on or reserve it for their most expensive tier (as AHS does with ShieldPlatinum). For homeowners worried about roof leaks, that's a real value-add baked into an already low premium.

The big trade-off: lower coverage caps

Here's where the budget pricing shows its seams. Select's coverage caps tend to be lower than premium providers'. Caps are the maximum the company will pay toward a covered repair or replacement, and lower caps mean a major big-ticket failure — like a full HVAC system replacement — could exceed your limit, leaving you to cover the difference.

For minor and moderate repairs, this rarely matters. But if you have aging, expensive systems, the savings on premium can be offset by a capped payout when a large claim hits.

⚠️ Watch out: Don't choose Select on monthly price alone. Read the coverage caps for HVAC and other expensive items and compare them to what a repair actually costs. If your systems are old and likely to need a big replacement, a higher-cap provider may save you more overall despite the higher premium.

How Select compares

Against Choice Home Warranty, Select is cheaper but with lower caps — see our budget showdown linked below. Against American Home Shield, Select wins on price and free roof coverage but loses on caps and HVAC strength. The right answer depends on whether you're optimizing for low monthly cost (Select) or maximum payout protection (AHS).

Who Select Home Warranty is best for

Select is a good fit if you:

  • Want the lowest monthly premium possible.
  • Like free roof-leak coverage included.
  • Have newer or moderate-cost systems where caps are less likely to bite.

It's a weaker fit if you have old, expensive systems and need high coverage caps for big-ticket repairs.

Frequently asked questions

How much does Select Home Warranty cost? Select Home Warranty is one of the more affordable providers, with plans typically running about $35–$48/month depending on the plan and location. It frequently runs promotions that add free months or waive fees, lowering the effective cost further.

Is Select Home Warranty worth it? Select can be worth it for budget-focused homeowners who want low monthly premiums and don't mind lower coverage caps. It also includes free roof-leak coverage, which many competitors charge extra for. The trade-off is lower payout limits on big-ticket repairs.

Does Select Home Warranty include roof coverage? Yes. Select Home Warranty is notable for including free limited roof-leak coverage with its plans, whereas many competitors only offer roof coverage as a paid add-on or in their top tier.

What are the downsides of Select Home Warranty? The main downside is lower coverage caps than premium providers, which means big-ticket repairs (like a major HVAC failure) may not be fully covered. As with any provider, read the caps and exclusions carefully before buying.

What plans does Select Home Warranty offer? Select offers three plans: Bronze Care (appliances), Gold Care (systems), and Platinum Care (combined systems and appliances plus extras). Platinum Care is the best fit for whole-home coverage.

📌 Disclaimer: This article is for general informational purposes only and reflects plans and pricing that change over time. Always confirm current plans, prices, service fees, and contract terms directly with the provider before purchasing. We may earn a commission from links on this page at no extra cost to you.

Frequently asked questions

Select Home Warranty is one of the more affordable providers, with plans typically running about $35–$48/month depending on the plan and location. It frequently runs promotions that add free months or waive fees, lowering the effective cost further.
Tagged:#select home warranty#home warranty review#budget home warranty

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Disclaimer: Pricing reflects US national averages as of the publication date and varies by region, brand, and labor rates. This article is informational and does not replace professional inspection or repair advice. See our full disclaimer.