Select Home Warranty: Coverage, Costs, and Customer Reviews

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Did you know that homeowners spend an average of $3,000 annually on home repairs and maintenance? A single major appliance breakdown can cost more than $1,000!

Unexpected home repairs can destroy your budget. Let’s take a closer look at Select Home Warranty – one of America’s leading home warranty providers. We’ll help you determine if Select Home Warranty is right for your home by examining coverage plans, costs, customer reviews, and claims processes.

This piece will guide you through Select Home Warranty’s services, pricing structure, and customer experience. You’ll find everything you need to know, whether you’re a first-time homeowner or want to switch warranty providers. Let’s take a closer look and see if this provider deserves your trust (and money).

Understanding Select Home Warranty Basics

Let’s take a closer look at Select Home Warranty and see what makes this company stand out in the home warranty industry.

Company Background and History

Select Home Warranty has protected homeowners since 2012 from its headquarters in Mahwah, New Jersey. The home warranty industry continues to thrive and should reach $4.30 billion in revenue by 2024. This growth shows how much homeowners value protection plans, with steady annual growth of 4.1%.

Service Area Coverage

Select Home Warranty’s service network spans most of the United States. The company serves homeowners in 46 states, though coverage isn’t available in Nevada, New York, Washington, and Wisconsin. Their strong presence helps them serve homeowners of all backgrounds, with the Southeast region showing the highest concentration of warranty providers.

Industry Standing and Certifications

Select Home Warranty’s excellence shows through several awards:

Editor’s Choice (2021 and 2022) from HomeWarrantyReviews.com
Best Home Warranties (2019) from Consumer Advocate
Best Overall Score from Top10.com

The company holds a B rating with the Better Business Bureau. Note that BBB ratings don’t guarantee performance. Select stands out because of its steadfast dedication to 24/7 service availability and detailed coverage options. They’ve adapted well to housing market changes over the last several years and maintained steady revenue through strong renewal rates.

You May Also Read: Fidelity Home Warranty: Coverage, Costs, and Reviews

Select Home Warranty sets itself apart through quality customer service, which is a vital differentiator in the home warranty industry. Their network has professionals from many trades, including plumbers, electricians, HVAC technicians, and appliance repair specialists.

Analyzing Coverage Plans and Options

Our team analyzed Select Home Warranty’s coverage options to help you decide how to protect your home.

Bronze, Gold and Platinum Plan Comparison

Select Home Warranty gives you three different coverage tiers that match different homeowner needs. Bronze Care plan focuses on appliances. Gold Care covers home systems. Platinum Care brings both together. Here’s what each plan has:

Bronze Care (Appliances Plan)

Clothes washer and dryer
Refrigerator
Built-in microwave
Stove/oven
Dishwasher
Garbage disposal

Gold Care (Systems Plan)

Air conditioning and heating
Plumbing system
Electrical system
Water heater
Ductwork
Plumbing stoppages

The Platinum Care plan costs $38.00 monthly and combines all coverage from Bronze and Gold plans. You also get extra items like ceiling fans and garage door openers.

Optional Add-on Coverages

Select Home Warranty’s add-on options start at just $3.33 per month. You can choose from these add-ons:

Pool pump
Central vacuum
Sump pump
Well pump
Roof leak coverage
Stand-alone freezer
Lawn sprinkler system
Septic system

Coverage Exclusions and Limitations

Our review revealed some important coverage limits you should know about. Select Home Warranty caps coverage at $3,000 for HVAC systems and $500 for appliances, plumbing, and electrical systems.

Key exclusions you should know:

Pre-existing conditions
Improper installation issues
Cosmetic defects
Manufacturer defects
Damage from neglect or human error

Select Home Warranty needs your maintenance records during claims review. Your coverage might drop to $150 per appliance or system without proper documentation. New customers must wait 30 days before their coverage starts.

You May Also Read: Old Republic Home Warranty: Coverage, Plans, and Reviews

The service call fee ranges from $75 to $100. You pay this directly to the technician during each visit.

Breaking Down the Real Costs

The true cost of a home warranty goes beyond the monthly premium. Let’s break down what you need to know about Select Home Warranty’s expenses.

Monthly Premium Analysis

Our research shows that Select Home Warranty’s monthly premiums start as low as $36.00. Standard prices usually range from $40.00 to $65.00 per month. Yearly payments will cost you between $480.00 to $720.00.

These costs make more sense when you look at typical repair costs without coverage:

AC/Heating repair: $350.00 (repair) to $550.00 (replacement)
Water heater: $275.00 (repair) to $150.00 (replacement)
Plumbing system: $300.00 (repair) to $350.00 (replacement)

Service Call Fee Structure

Select Home Warranty charges a service call fee between $75.00 to $100.00 based on your contract length. You’ll pay this fee when the technician arrives at your home, whatever the claim’s outcome.

Here’s something we found that matters: Select splits repairs by ‘trade.’ You’ll need to pay separate service fees if your repair needs different trade categories. A leaky pipe and broken garbage disposal would need two service fees since they fall under different trades.

Hidden Fees and Additional Expenses

You should know about these extra costs:

Coverage Limits: Select Home Warranty caps coverage at $500.00 for electrical, plumbing, and appliances. Costly repairs might need extra money from your pocket.
Maintenance Records: Your repair allowances could drop to $150.00 without three years of maintenance records. Keep detailed maintenance documentation handy.
Waiting Period: Your coverage starts 30 days after payment. Plan ahead for this coverage gap.
Cancelation Fee: You’ll pay a $75.00 cancelation fee if you end your contract after 30 days. You can get all your money back within the first 30 days if you haven’t requested any service.

Note that these costs are nowhere near what you’d pay for repairs without coverage. A single appliance repair typically costs $100.00 to $400.00, plus a service call fee of $70.00 to $130.00 without warranty.

You May Also Read: Choice Home Warranty: Your Ultimate Peace of Mind

Evaluating the Claims Process

Your experience with a home warranty claim can make or break your repair journey. Let’s get into how Select Home Warranty manages their claims process.

Step-by-Step Claims Filing Guide

Here’s a simple breakdown of the claims process:

Original Contact: You need to submit your claim through Select’s online portal or reach out to customer service within 3 days of spotting the problem.
Service Fee Payment: Pay the $60 service fee upfront.
Technician Assignment: Select assigns a qualified service professional from their network.
Inspection and Assessment: A technician checks the problem and reports back to Select.
Repair or Replacement: Once approved, repairs or replacements move forward based on coverage terms.

Response Time and Service Quality

Select Home Warranty’s response times change based on when you file your claim. Standard service requests look like this:

Business hours: 2-day response window
Weekends/Holidays: Up to 4-day response time

Keep in mind that these timeframes show initial responses, not repair completion. Some customers wait several weeks for non-emergency repairs.

Common Claim Denial Reasons

Our research shows several key reasons why Select Home Warranty might deny your claim:

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Documentation Requirements: The company might ask for up to three years of maintenance records before they approve repairs. Your coverage might be limited to just $150 per repair without these records.

Primary Denial Factors:

Pre-existing conditions
Improper installation issues
Lack of routine maintenance
Unauthorized repairs
Coverage limits exceeded

A denied claim isn’t the end of the road. You can ask for the inspection report and get a second opinion from an independent technician. Unresolved issues? File a complaint with the Better Business Bureau. Select has a B rating there, despite having 10,879 complaints over the last several years.

Good documentation and regular maintenance protect you best against claim denials. Keep detailed maintenance records and know your coverage terms before you submit any claim.

Making an Informed Decision

After looking at Select Home Warranty’s offerings in detail, we can help you think over your options. Our analysis shows both compelling benefits and notable limitations that need your attention.

Pros and Cons Analysis

Select Home Warranty offers several distinctive advantages:

Affordable Pricing: Monthly premiums start at $36.00, substantially lower than industry averages
Low Service Fees: Service call fees range from $60.00 to $75.00, below competitor rates
Free Roof Coverage: Included with all plans as a standard feature
Flexible Payment Options: Multi-year coverage discounts available
24/7 Customer Service: Round-the-clock claim submission

These limitations need your attention:

Coverage caps limited to $500 for most appliances and systems
Maintenance records required for full coverage
Service technician selection restricted to company network
30-day waiting period before coverage begins

Value for Money Assessment

Select Home Warranty’s value proposition stands out for several reasons. The company’s Platinum Care plan costs $47.75 monthly and covers both systems and appliances. This pricing makes Select one of the more affordable options in the market.

Select often runs promotional discounts such as:

Two months of free coverage with annual payment
Additional $150 off annual fees
Seasonal promotions throughout the year

Who Should Choose Select Home Warranty

Our analysis shows Select Home Warranty works best for:

Budget-Conscious Homeowners: Service fees range from $60-$75 with competitive monthly premiums, making Select an affordable choice to protect essential home systems and appliances.

You May Also Read: American Home Shield: Guide to Home Warranty Protection

First-Time Homebuyers: The company makes coverage available without home inspections, which works great for new homeowners.

Property Investors: Select covers properties of all types, including rental properties, manufactured homes, and condos, making it ideal for real estate investors.

You might want to think twice if you:

Live in areas without Select’s emergency response team coverage
Own high-end appliances requiring specialized service
Prefer choosing your own repair technicians

Select excels especially when you have access to their dedicated emergency response teams, with same-day service for urgent issues. This improved service adds real value for homeowners in these regions.

You May Also Read: First American Home Warranty: A Comprehensive Review and Analysis

Note that Select Home Warranty offers attractive pricing and detailed coverage options, but success with any home warranty depends on understanding the terms and keeping proper documentation. We suggest you review coverage terms and keep detailed maintenance records to get the most from your benefits.

FAQs

What are some common issues with Select Home Warranty?

Many customers report difficulties with claim denials, limited coverage, low reimbursement amounts, and poor customer service. The company often finds reasons not to cover repairs or replacements, and when they do provide coverage, the amounts are often much lower than expected.

How does Select Home Warranty’s claims process work?

Customers typically file a claim online or by phone. Select then assigns a technician or allows customers to find their own in some cases. There’s usually a service fee of $60-$75 per visit. The company reviews the technician’s diagnosis and decides whether to approve the claim based on the policy terms and any exclusions.

What are the coverage limits for Select Home Warranty plans?

Select Home Warranty typically caps coverage at $500 for most appliances and systems. For HVAC systems, the limit is often $3,000. However, these limits can vary based on the specific plan and item. It’s important to carefully review the policy details for exact coverage limits.

Does Select Home Warranty require maintenance records?

Yes, Select Home Warranty may request maintenance records when reviewing claims. Without proper documentation, coverage might be limited to $150 per appliance or system. It’s advisable to keep detailed maintenance records for all covered items.

How does Select Home Warranty compare to other home warranty companies?

While Select Home Warranty offers competitive pricing, many customers find their coverage and customer service lacking compared to other providers. Some customers report better experiences with companies like American Home Shield, though experiences can vary. It’s important to thoroughly research and compare different providers before making a decision.

Conclusion

Select Home Warranty emerges as a strong option that provides reliable coverage at competitive rates. Our analysis reveals their plans deliver good value to budget-conscious homeowners and property investors, though some coverage limitations exist.

The company’s affordable premiums, complete Platinum Care plan, and free roof coverage set them apart from competitors. Their service network delivers consistent results across 46 states, though it’s limited to company-approved technicians.

Your success with Select Home Warranty largely depends on how well you understand the coverage terms and keep proper documentation. You can maximize your warranty benefits and reduce claim denials by keeping maintenance records, reporting issues quickly, and knowing your coverage limits.

Home warranties are a great way to get protection against unexpected repair costs. Select Home Warranty’s blend of affordable coverage options and reliable service makes them a solid choice to think over for your home protection needs.