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Select Home Warranty and Choice Home Warranty (CHW) are two leading home warranty providers that offer coverage plans for major systems and appliances. In this review, we analyze Select Home Warranty and Choice Home Warranty by comparing their respective coverage plans, cost and customer reviews. Keep reading to determine which company offers the best home warranty for you and your home protection needs.
In this article:
- Select Home Warranty vs. Choice Home Warranty overview
- Select Home Warranty coverage
- Choice Home Warranty coverage
- Coverage comparison
- Cost comparison
- Select Home Warranty and Choice Home Warranty reviews
- Our conclusion
- Frequently asked questions
Select Home Warranty vs. Choice Home Warranty overview
| Select Home Warranty | Choice Home Warranty | |
| Get a free quote | Visit site | Visit site |
| Recommended for | Most budget-friendly | Covers the essentials |
| Plan options | Bronze Care, Gold Care, Platinum Care and optional add-ons | Total Plan, Basic Plan and optional add-ons |
| Cost | $41–$47 per month | $36–$44 per month |
| Service fee | $60–$75 | $60–$85 |
| State availability | 46 states (not available in Nevada, New York, Washington and Wisconsin) | 47 states (not available in California, Oklahoma and Wisconsin) |
| BBB rating | C | B |
| Years in business | 8 | 12 |
Select Home Warranty coverage
Select Home Warranty offers customers their choice of three plans: Bronze Care, Gold Care and Platinum Care. Select’s coverage plans give homeowners the option to cover appliances, systems or a mixture of both. Select Home Warranty also provides optional coverage on up to 11 items that customers can purchase regardless of their selected plan.
Here’s an outline of Select Home Warranty’s coverage plans:
- Bronze Care: Bronze Care protects eight major home appliances, including the refrigerator, dishwasher, clothes washer and dryer.
- Gold Care: Gold Care covers six essential systems within the home like the electrical system, water heater and air conditioner.
- Platinum Care: Platinum Care is Select Home Warranty’s most comprehensive plan, covering 17 systems and appliances throughout the home, including a garage door opener, ceiling fan and heating system.
In addition to its three standard coverages, Select Home Warranty allows customers to purchase up to 11 optional add-ons to supplement any plan, including:
- Plumbing and light fixtures
- Limited roof leak coverage
- Pool/spa equipment
- Well pump
- Sump pump
- Central vacuum
- Second refrigerator
- Stand-alone freezer
- Lawn sprinkler system
- Septic system coverage
- Refrigerator ice maker
To get a personalized quote from Select Home Warranty, call 888-370-3956 or fill out this quick online form. Currently, Select is offering MarketWatch readers $100 off a selected plan with two months free.
Choice Home Warranty coverage
Unlike Select Home Warranty, Choice Home Warranty doesn’t offer separate coverage plans for just appliances or systems. Instead, Choice protects a combination of systems and appliances through two plans: a Basic Plan and a Total Plan. In addition, Choice offers optional coverage to customers who want to add on items to their current plan.
Here’s a look at what’s covered under the two Choice Home Warranty plans:
- Basic plan: The Basic Plan covers 14 major home systems and appliances like the electrical system, heating system, dishwasher and built-in microwave.
- Total plan: The Total Plan protects all items covered under the Basic Plan, plus the refrigerator, air conditioning system, clothes washer and dryer.
Similar to Select Home Warranty, Choice offers nine optional coverage items that customers can purchase for any existing plan, including:
- Pool/spa
- Central vacuum
- Second refrigerator
- Well pump
- Limited roof leak
- Stand-alone freezer
- Sump pump
- Septic system
- Septic tank plumbing
To receive a Choice Home Warranty quote, call 929-400-6165 or fill out this simple online form. MarketWatch readers will get $50 off and one month free.
Select Home Warranty vs. Choice Home Warranty coverage comparison
To help readers understand the differences between coverage from Select Home Warranty and Choice Home Warranty, we compared the systems and appliances protected under both companies’ most comprehensive coverage plans.
Select Home Warranty and Choice Home Warranty plan comparison
| Select Home Warranty | Choice Home Warranty | |
| Air conditioner | ✔ | ✔ |
| Refrigerator | ✔ | ✔ |
| Clothes washer | ✔ | ✔ |
| Clothes dryer | ✔ | ✔ |
| Heating system | ✔ | ✔ |
| Electrical system | ✔ | ✔ |
| Plumbing system | ✔ | ✔ |
| Plumbing stoppages | ✔ | ✔ |
| Water heater | ✔ | ✔ |
| Whirlpool bathtub | ✔ | |
| Oven/range/cooktop | ✔ | ✔ |
| Dishwasher | ✔ | ✔ |
| Built-in microwave oven | ✔ | ✔ |
| Garbage disposal | ✔ | ✔ |
| Ductwork | ✔ | ✔ |
| Garage door opener | ✔ | ✔ |
| Exhaust fans | ✔ | |
| Ceiling fans | ✔ | ✔ |
| Trash compactor | ||
| Free-standing ice maker | ||
| Built-in food center | ||
| Instant hot/cold water dispensers | ||
| Smoke detectors | ✔ | |
| Central vacuum | ||
| Doorbell |
Both Select Home Warranty and Choice Home Warranty allow customers to purchase additional coverage through optional add-ons.
Select Home Warranty vs. Choice Home Warranty cost comparison
Overall, the two competitors offer plans within a similar price range. Select Home Warranty’s most affordable plan starts as low as $41 per month. Choice Home Warranty’s comparable plan is slightly cheaper, starting at around $39 per month. Typically, Select Home Warranty plans run between $41 and $47 per month, while Choice Home Warranty plans run between $39 and $48.
Ultimately, pricing varies depending on your location, coverage needs, and more. It’s best to get a customized quote from both companies.
Select Home Warranty and Choice Home Warranty expect customers to select a service fee before committing to a plan. Service fees are a one-time deductible paid anytime a contractor comes to your home to repair or replace a covered item. Select Home Warranty’s service fee is between $60 and $75. Choice Home Warranty’s service fee can be slightly more expensive, ranging between $60 and $85.
Note: Your monthly premium is affected by the service fee you select. High deductibles usually decrease your monthly cost, while lower deductibles increase it.
Select Home Warranty and Choice Home Warranty reviews
Select Home Warranty holds a C rating from the Better Business Bureau (BBB), while Choice Home Warranty holds a B- rating. Neither company is accredited by the organization. Both Select Home Warranty and Choice Home Warranty have aggregated over 750 customer reviews.
Here are a few customer reviews for Select Home Warranty and Choice Home Warranty:
“Edward Johnson with Select Home Warranty was able to provide me with great customer service and [was] overall [helpful] and [understanding] of the client’s needs.” — Kurt J.
“It took several calls and several weeks to get a person dispatched to me. I called 2–3 companies to schedule once dispatched from SHW, and they all said they wouldn’t take any more Select Home Warranty cases due to not getting paid.” — Jessica G.
“We have been with Choice Home Warranty since January 2017. We have found them to be excellent in sales, customer service, and repair companies. My daughter bought a house that had a home warranty company in place. Her air conditioning broke. It took 3 weeks to get it repaired. Choice Home warranty sent the repairman the next day and our repair was completed to our complete satisfaction!” — Joanne W.
“I believe I have been misled by Choice Home Warranty. I have made two claims with their system and each was denied for reasons that were not clearly explained at the time of my initial sign-up. They are clearly making up rules as they go.” — Andy C.
Additionally, Choice Home Warranty is involved in a current lawsuit, while Select Home Warranty is not. In 2019, the Arizona Attorney General’s office filed a lawsuit against Choice Home Warranty, accusing the provider of making false promises to customers and using misleading advertising to describe the limitations and exclusions on covered appliances and systems. In 2015, the company faced a similar lawsuit with New Jersey’s Attorney General before agreeing to a settlement just under $780,000. While Choice Home Warranty has not commented on its ongoing lawsuit, it isn’t uncommon for home warranty companies to face class action lawsuits, as many other major providers in the industry have also found themselves in the courtroom over the last decade.
Before choosing a home warranty provider, we recommend going through the terms and conditions of your home warranty contract. That way, you’ll understand exactly what items are covered and their associated exclusions. Additionally, we encourage you to get quotes from a variety of home warranty providers so that you can compare coverage and pricing.
Our conclusion: Select Home Warranty vs. Choice Home Warranty
Select Home Warranty and Choice Home Warranty both provide coverage on similar appliances and systems, with Choice Home Warranty covering one more item than Select in its most comprehensive plan. We recommend Select Home Warranty if you’re looking for a comprehensive and customizable home warranty, and we recommend Choice Home Warranty if you’re looking for affordable coverage.
To get a free quote from Select Home Warranty, call 888-370-3956 or fill out this form. For a free quote from Choice Home Warranty, call 929-400-6165 or fill out this form.
Frequently asked questions
What are Select Home Warranty and Choice Home Warranty’s customer service hours?
Both Choice Home Warranty and Select Home Warranty offer customer service and claims help 24 hours a day, seven days a week.
When can I begin to submit home warranty claims?
After signing your home warranty contract with Select Home Warranty or Choice Home Warranty, you’ll be required to wait 30 days before coverage begins. This means you’ll be unable to submit a claim until this waiting period has expired.
Do home warranties have deductibles?
Yes. Most home warranty companies require a deductible to be paid every time a service contractor responds to your service request. This is what’s known as the service call fee. Select Home Warranty’s service fee ranges between $60 and $75, while Choice Home Warranty’s service fee ranges between $60 and $85.
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