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Select Home Warranty 2021 Review Of Coverage, Plans And Benefits

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Published on August 27, 2021
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Repair and replacement costs for household appliances can be brutal. On top of that, things seem to break quicker and quicker these days. When you are struggling with repeat maintenance, a home warranty may be worth investigating.

Companies such as Select Home Warranty offer customers appliance and system protection that can help lower costs over the long term. If you’re interested, here’s what you need to know:

Select Home Warranty Background

Select Home Warranty (SHW) is a New Jersey-based company founded in 2012 that offers home warranty plans to consumers. However, these contracts are different from the kind that come with your dishwasher or your dryer.

A traditional warranty comes from the manufacturer to protect their specific good. In effect, it’s similar to insurance: you pay a monthly premium and maintenance charges in between. Comparatively, a home warranty covers a class of major appliances. Also, they differ from home insurance by covering normal wear and tear or age degradation, not external perils (like fire, natural disasters, or theft).

SHW sets itself apart from competitors like Choice Home Warranty and First American Home Warranty, thanks to features like optional roof leak coverage and separate plans for home systems and appliances.

Top Select Home Warranty Reviews

Wayne of Greenville, TN from ConsumerAffairs

  • 5/5 stars 
  • Reviewed: Aug. 6, 2021“Wasn’t pushy at all which sold me [… ] Then when I was signing up ZACH gave me an even better deal by paying in advance. […] I feel I bought with confidence.”

Key Takeaways:

  • Positive customer service experience
  • Encouraged comparison shopping
  • Discounts

Arnold W. from Better Business Bureau 

  • 4/5 stars
  • Reviewed: July 22, 2021

“Time from claim submission to residential appointment was quick. Technician was professional and explained to me the issue that caused HVAC to stop operating properly, resolved the issue, and suggested ways in which I could minimize problem from reoccurring.”

Key Takeaways:

  • Speedy wait time
  • Positive repair service experience

Rinkesh of Franklin, MA from ConsumerAffairs

  • 3/5 stars
  • Reviewed: May 31, 2021

“[…]It’s good for the money you paid for your warranty plan. […] I need to call them and work with them to make the things happen.”

Key Takeaways:

  • Worth the cost
  • You may have to follow up independently

Donna Q from Better Business Bureau 

  • 4/5 stars
  • Reviewed: June 23, 2021

[…] Select Home Warranty is better than most. The only thing is if they can’t find a professional for you, they ask that you find one and get reimbursed. […] but they eventually found a good plumber to fix my problem so I was happy.”

Key Takeaways:

  • Accommodating service
  • You may have to find your own technician

Why We Like Select Home Warranty

There is more than one home warranty service out there. But SHW offers a few benefits that set it apart. Here are some of the reasons it stands out:

60-Day Free Roof Leak Coverage

SHW offers its customers limited-time free roof coverage when they purchase a home warranty contract. It protects living areas in the home (like your bedroom, bathroom, or kitchen) from leaks although some exclusions apply.

No Exclusions For Washers, Dryers And Garbage Disposals

Home warranty providers all have some limits and exclusions, requiring enhanced coverage to protect them. SHW doesn’t hang you out to dry by including frequently excluded appliances from the get-go into their policies.

Multiyear Service Contract Discounts

When you sign a contract for multiple years, you earn a discount of $150 off any plans. There are also benefits like 2 months of free coverage on an annual plan.

90-Day Repair Guarantee

SHW offers a free 90-day repair guarantee on all service work. That inspires confidence the work will be done right from the first time.

Exceptional Online Tools

SHW is incredibly accessible to their customers, thanks to an online claim submissions feature and 24/7 customer service.

30-Day Trial Period

Customers get a 30-day trial period, allowing them to cancel if they’re unsatisfied with service. This is a hallmark few home warranty companies offer.

What Does Select Home Warranty Cover?

Select Home Warranty offers three plans for homeowners to pick from. Here’s a breakdown of what each one covers:

Item Coverage

Bronze

Gold

Platinum

Clothes washer

Yes

No

Yes

Garbage disposal

Yes

No

Yes

Refrigerator

Yes

No

Yes

Stove/oven

Yes

No

Yes

Microwave oven (built-in)

Yes

No

Yes

Cooktop

Yes

No

Yes

Dishwasher

Yes

No

Yes

Clothes dryer

Yes

No

Yes

Air-conditioning, cooling

No

Yes

Yes

Heating system

No

Yes

Yes

Plumbing system

No

Yes

Yes

Plumbing stoppage

No

No

Yes

Electrical system

No

Yes

Yes

Water heater

No

Yes

Yes

Ductwork

No

Yes

Yes

Garage door opener

No

No

Yes

Ceiling fan

No

No

Yes

Roof coverage (limited leaks)

Yes

Yes

Yes

Bronze Plan

Best For: People who want basic appliance coverage. It includes the essentials, like stoves and clothes washers.

Pricing: $36 per month / $429 per year

Consumer Review: “This is the cheapest plan and is suitable for homeowners who are confident in their home systems […]” – (ReviewHomeWarranties)

Gold Plan

Best For: Anyone interested in covering their major systems rather than basic appliances. Systems like HVAC and electrical are protected.

Pricing: $36 per month / $429 per year

Consumer Review: “This plan will work the best for homeowners who had their appliances recently updates and are still covered under the manufacturer’s warranty.” – (ReviewHomeWarranties)

Platinum Plan

Best For: Someone who wants the best of both worlds: appliance and systems coverage. It also includes extras like protection for ceiling fans and plumbing stoppage.

Pricing: $36 per month / $499 per year

Consumer Review: “I got the platinum package and I would recommend to any new homeowner for peace of mind to know that it will be a flat rate of $75 to repair or replace, rather than getting hit with unexpected repair expenses.” – Sabrina of Orlando, FL (Consumer Affairs)

Optional Add-Ons

SHW offers additional coverage options to their customers. You can purchase these up to 30 days after signing. They include:

  • Central vacuum – $3.33
  • Lawn sprinkler system – $5.83
  • Limited roof leak – Varies by state
  • Pool/spa equipment – $8.33
  • Septic system – $5.83
  • Standalone freezer – $3.33
  • Sump pump – $3.33
  • Well pump – $3.33

Select Home Warranty

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Select Home Warranty FAQs

Which states does SHW offer coverage?

SHW provides services to clients in almost every corner of the U.S. However, it does not accept clients in Nevada, New York, Washington or Wisconsin.

How long should I expect to wait for repairs?

Customers can report a claim 24/7, 365. A technician comes within 2 days during normal business hours and 4 days after Holidays and weekends. There are also emergency services when an essential appliance or system breaks down.

What are the most common coverage exclusions?

Companies waive some risks from their policy to help minimize losses. Like many other home warranty companies, SHW limits fixes for items outside the main systems. Repeat exclusions are:

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

You can also review the sample contract for more information.

What is SHW’s policy on coverage caps?

Most insurers cap, or limit, the amount they will pay out for repairs or replacements. SHW has them too and requires yearly cleaning and maintenance for you to receive your full amount.

Without record of this, your payout per appliance caps at $150. Other caps include:

  • Heating and cooling systems: $2,000
  • Appliances, plumbing, and electrical: $500
  • Additional coverage options (generally): $400

Do I get charged per service call or per repair?

SHW requires you to pay a service fee for every visit, ranging from $60 – $75. Customers pay this fee per repair. The charge also applies per professional. Other companies can exceed $75, reaching toward $150, which makes SHW relatively cheap compared.

Is SHW accredited by the Better Business Bureau?

The Better Business Bureau (BBB) helps consumers choose ethical businesses. Earning BBB accreditation means it meets a higher standard of service and integrity.

SHW is not accredited by the BBB. Accreditation is expensive and optional, though, which might explain this. The business holds a B rating and 1.59 stars out of 5 on the BBB site. However, it holds stronger ratings on other platforms.

The Bottom Line

Select Home Warranty has its faults but makes competitive offerings. There are lower-priced options, bonuses and the three plans make it easier to support your needs. Of course, research is important. Compare the top home warranty companies before selecting the one right for you.

Select Home Warranty

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Ashley Kilroy

Ashley Kilroy is an experienced financial writer. In addition to being a contributing writer at Rocket Homes, she writes for solo entrepreneurs as well as for Fortune 500 companies. Ashley is a finance graduate of the University of Cincinnati. When she isn’t helping people understand their finances, you may find Ashley cage diving with great whites or on safari in South Africa.