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Select Home Warranty

4.4 Stars (33 Reviews)
Updated: April 21, 2023
By: Dr. Steven Rydin
Dr. Steven Rydin
Director of Product
As the former director of product, Steven oversaw Retirement Living’s product and marketing efforts for four years. His digital marketing expertise helped launch senior-focused buyer’s guides and a wide range of products surrounding finance, insurance, healthcare, and lifestyle. Steven holds a Doctor of Business Administration degree from George Fox University.
Director of Product
Edited By: Lauren Hamer
Lauren Hamer
Sr. Editor
Bringing more than a decade of editorial experience to Retirement Living, Lauren focuses on reporting senior-related issues, including retirement planning, finance, consumer protection, and health and wellness. Lauren has edited consumer content for Credible, Angi, Slickdeals, Jobs for the Future, and more.
Sr. Editor

Select Home Warranty is a New Jersey-based home warranty provider that offers protection for home systems and appliances. They received the Best in Service designation from the Home Warranty Awards in 2017. Overall, we like Select Home Warranty for their favorable terms and conditions, flexible coverage options and nationwide network of contracted service providers.

Select Home Warranty Logo

Editorial Breakdown

Service Quality 5 Stars
Affordability 5 Stars
Coverage 5 Stars
Customer Service 4.1 Stars

Overall Rating 4.4 Stars

Bottom Line

Select Home Warranty offers affordable home warranty options to homeowners. For the most comprehensive coverage with only a minor price increase, we recommend the Platinum plan.

33 Select Home Warranty Reviews

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1 Star

July 10 2020 7:22PM

Useless. Save your money. They can never find a technician to fix your issue. When they do finally find someone to come out to fix it, the item in question isn't covered. Very disappointed.

If you cancel you have to pay a $75 cancellation fee, plus you have to pay (in full) whatever you were able to get them to fix, only to receive a pro-rated return amount.

Thomas W.
Slidell, LA
1 Star

June 26 2020 2:51AM

Please do not buy this. You will be disappointed like 22 people here. Takes for ever and they pay pennies on dollar instead of fixing. My ac did not get answer for over 22 days and at the end they offered me $150 for compressor gone bad. Not trust wiorthy. Pray to god if you choose this one.. There are better choices.

West C.
West Chester, OH
1 Star

June 17 2020 2:16PM

This company is the worst, they go out of their way not to play any claims. You can't get their vendors to show up and even diagnose issues, they discount everything that do pay to mere pennies. DO NOT WASTE YOUR MONEY ON THIS COMPANY.

Stephanie M.
Roanoke, TX
1 Star

June 06 2020 1:19PM

I totally agree with the reviews that this company misrepresents their coverage. I directly asked several times if the 45.00 dollars was all I had to pay to get anything replaced or repaired and they said yes that was all and they would take care if everything. HUGE LIE..

I had a microwave break and that is when I found out they had misrepresented the whole contract. I spoke with several representatives and they all gave a different explanation of the coverage but all said the company would never paid for anything to be removed and a new one installed. It was the customers responsible to pay for it and have it installed. Paragraph 9.3 states they do not pay for installation. Also paragraph 8 states they will not pay for removal of debris.

It is in the middle of a whole list of things like rubber seals etc. NOT were a labor word should be. And as mentioned in other reviews, you do not get the policy until you pay for the contract. They offer you a depreciated amount and you have to go buy the item first then sent the receipt in then wait for their claim letter and fill it out and wait for them to approve it and then they send a check. You have to pay for removal and installation.

After they calculate the depreciation they then deduct the 45 service charge which they did not send out anyone because they are replacing it. So when it was all over and I deducted the monthly payment I had to pay for select warranty and the installation of the over the range microwave it came out to be 10.00 dollars savings having the service with select. The hassle is not worth it.

Rae O.
Phoenix, AZ
1 Star

June 03 2020 6:44PM

Select Home Warranty is the WORST! It appears that the company works hard to deny claims. I had two claims both of which were denied. One was for the HVAC and this $10,000 cost was denied because the unit was too old...the freon was coming out...anything to say NO. Just this week I submitted a claim to have my oven repaired. They kept asking me if I smelled gas. I said I smelled something once the oven was on for a while. In fact I said to them " I did not say I smelled gas".

Nevertheless before they would even send out a technician they denied the request. Turns out an element needed to be replaced. I just hate that I have been taken in this way. No more service contracts with SHW! Stay far away!!!!

Janice M.
Atlanta, GA
1 Star

February 05 2020 4:51PM

Select Home Warranty sales agents have grotesquely misrepresented, falsely advertised, and bait-and-switched on the presentation of the coverage of their home warranties. Before buying policies from them, I asked very direct questions about coverage amounts and limitations, on several occasions and with several different sales agents.

I was assured that we would have good and timely coverage when we needed it. I asked “if I have a big problem, what is the maximum coverage I can expect to receive?” To this question, I was told “$11,000 annual aggregate limit”. I asked “What about for one particular item?”, and they said “We get discounted labor from our technicians. Whatever the problem is, we’ve got you covered”.

In just a few months’ time, I’ve had the following claims:

1. Claim #**. An entire HVAC replacement due to A/C breaking down and being an obsolete product needing replaced. Direct diagnosis: failure of control board and coil deterioration. The cost to me to replace was $5,150. Select Home Warranty paid me JUST $300!! Even if I didn’t replace the unit and simply performed the repair, I was advised it would be well over $2,000 due to the labor intensive nature of the repair. It took them ALMOST A MONTH to review the case. I couldn’t continue on without A/C so I simply performed the repair after waiting for 3 weeks. They didn’t inform me until almost two months after the claim was started that they wanted “a second opinion”.

In what world is that kind of delay acceptable?? I’m convinced they dragged it on that long just so that I would get fed up and do a repair that they could just deny coverage for. Their emails all say you’ll have resolution in “usually 24-48 hours”, but in my experience, it takes WEEKS, which is simply unacceptable for something important. FURTHER, I was told I would not need service records for service, which is printed right on page 3 of the contract, yet they demanded service records to process the claim.

2. Claim #**. A dishwasher failure. They sent THEIR OWN technician, who advised it would be almost $800 to repair (it’s a VERY expensive dishwasher). Their resolution is to send a check for $200. While the terms and conditions make mention of “depreciated value”, the sales agent insisted that I would have good protection. $200 doesn’t even cover the cost to install a brand new dishwasher that I’ll have to pay for.

3. Claim #**. A plumbing stoppage at another property. The contract makes NO MENTION of maximums for this kind of repair. After speaking with the plumber, they advised that they would only pay $150 for the repair, after he said it could cost up to $500 or more depending on the extent of the blockage. In what world is this good coverage?

4. Claim #**. A microwave claim was called in. In response to this, THEY DIDN’T EVEN SEND A TECHNICIAN. Instead, 19 minutes after the claim was filed (how did they do this so quickly when it took them WEEKS to review the first claim listed above?), they decided to simply send $95 for me to send my own technician and resolved themselves of all obligation, meaning I’m responsible for the cost of the repair/replacement.

Right on their contract, they advertise “Save time finding an expert” and “Select Home Warranty is here to connect you to our vast network of technicians”. According to their contractual obligations, they are supposed to send a technician in response to a claim. They didn’t even do that, and they refused to do it at my request.

This, by the way, is a VERY expensive built-in microwave. These are just the 4 biggies. There are other small ones. By allowing their sales agents to con me into buying this policy (rather than going with a legitimate home warranty policy without a billion contract loopholes), they have cost me THOUSANDS of dollars. Do yourself a favor and look elsewhere.

John G.
Murrells Inlet, SC
1 Star

November 06 2019 8:03PM

Select Home Warranty is honestly the worst company I've ever had. They send out their technicians fairly quick but once they give you their diagnosis it always needs authorization which takes 72 hours and it's always denied. I find it ridiculous that you pay to have your items covered but when you need the help they denied it all.

In 2 years I've had 3 claims all denied and I had to pay out my own pocket to have them repaired. I will not recommended this to anyone. I give a 0!!!! Simply Ridiculous! I recently terminated my policy and they still figured out a way to take more money from me.

Raphael V.
1 Star

November 01 2019 10:50AM

How is it that this company gets 4 stars when all the reviews from actual customers only gave 1 star? Is RetirementLiving getting paid by Select Home? This warranty company is worst that I have ever dealt with. They will deny your claims and try to make up the mechanical diagnoses.

I filed claim for heating system week ago and they assigned a contractor and contractor stop doing business with this company. Second contractor they assigned came out and diagnose the problem but this company denied the claim stating they need the maintenance record before they will approve. No contractors in this area wants to do business with this company.

I have paid $5150.00 for 5 properties in December 2018 and now they said I can only get back $1500.00? This company is a fraudulent, they will try to get you signed up offering discount if you purchase, pay for 3 years term. They will not show you the details of what is covered until you have already paid. Be aware!!!

Jung W.
1 Star

October 10 2019 2:20PM

BE AWARE. This is a horrible home warranty company. when you have a claim. They will tell you a lot of excuses & limitations of the policy just trying not to pay you or offer a few dollars. My furnace broke 2 weeks ago I did claim and nobody contact me I called them again and again finally they send somebody to diagnose. the contractor said one electrical part in your furnace is broken and needs to replace then he called to Selected Home Warranty and talk to somebody and they asked him for repair cost he gave them some numbers and I heard that almost $800.00 then SHW rep told them we need to get approval. So I was ended up with a $45 service call fee that day.

Anyway, next 48 hours I received an email that they offer $150! why? because you have to provide maintenance records they said. I told them I just bought the home and I don't have any maintenance records and also your technician told the broken part is not related to maintenance. But they just make money for themselves and do not care for you and nobody can stop them. STAY AWAY FROM THIS COMPANY.

Amir N.
Sterling, VT
1 Star

September 18 2019 3:50PM

I have this home warranty for 3 years and by far this is the worst home warranty I have over 20 years. 1st. It takes more than 48 hours to give you a resolution and send a repair person. 2nd. Most of the time they will try as hard as they can to dispute your claim and tell you that "you are welcome to hire your own technician and you can send the receipt and dispute with them" and the new one I got today.

I asked to repair a switch that is cover under my contract. But they are so dishonest that instead of sending a repair technician to do the job and pay the technician, SHW decided that my fan (where the switch is) can't be repair and they will pay $45 dollars so I can buy and install it myself. I WILL NEVER RECOMMEND SHW TO ANYONE.

Angel P.
Windcrest, TX
1 Star

September 12 2019 5:32PM

Please, please do not believe anything they tell you, they are totally scammers and NOT to be trusted. They use your premiums for the customer service reps to give you the run around and pocket free and clear money without rendering any services. This happened in mid July, I had paid $500 in premiums before my cooling system needed repair, Freon not covered. That’s basic and I paid $75.00 service charge. DON’T DO IT!!! I am reporting them to BBB!!

Jacqueline F.
Black Jack, MO
1 Star

September 04 2019 9:51PM

Don't believe anything they tell you. We had a clogged pipe in our basement that all they needed to do was pull the toilet and use an auger to clean out the pipe. 31/2 weeks later we are still waiting to have it repaired and they will only cover $150 of the $420 bill to have it repaired. When the repairman came he said the reason it was taking so long was because "Select Home Warranty" would not approve the repair. When I called around to find a plumber on my own, no plumber had anything good to say about them. JJ, Orem Ut

John J.
Orem, UT
1 Star

September 03 2019 4:09PM

Do not do business with Select Home Warranty, company is fraudulent scammers. They try to push you into paying for your policy in full, they assure you no matter how young/old your system is if they cannot fix it they will replace it, you do not even receive the policy until after you purchase.

They request three years of service tickets and you cannot have had a single repair to your unit or it voids the warranty. The most they will reimburse you is $150 which barely covers the cost of the technician coming out to your home, which also was sketchy because the technician never even left a business card or service ticket.

I ended up replacing my unit on my own dime and cancelling my policy, I have asked for their tax id and also a copy of the service ticket from their technician and they cannot even provide me with that. Terrible terrible experience please do not use this company as your home warranty provider!

LeAnna H.
Edgewater, MD
1 Star

August 26 2019 11:11PM

I had a very bad experience 2 weeks ago. I signed up the contract with SHW and requested very specifically to send me the contact by mail which they have not done as yet. So I had no chance to review the contract and cancel on time. My AC stopped cooling suddenly in this heat of over 100 degrees.

After 3 days the technician came and reported them. No action was taken for another 3 days by the select home warranty. I went on requesting to reply soon as it's so hot and my disabled child was getting distressed and we could not sleep for 6 nights. But no human feelings or action taken.

Then they replied saying they have declined my claim as it's a freon problem. I was not aware that freon is not covered as I had no contract to find out. And I thought everything was covered under Platinum plan which I had taken. I learnt it from there email response. I had to get it done anyway as it's so hot and could wait to fight with them. A real cheaters.

Nafisa B.
Yorba Linda, CA
1 Star

August 01 2019 5:32PM

Select will promise you all coverages in your packet of your choosing. I had a simple problem with outlet reset button to patio going out in the garage and they denied the claim saying the dont cover the outside electrical but if a payment is missed they will harass you for payment. When I confronted them about the denial claim they said their policy does not cover it but is advertised in package deal. These people only wanna cover the least expensive of coverage to save their company money. Please there are too many good companies out there to fit your needs stay away from SELECT. They only select to take your money and leave you hanging when you need them.

Berry W.
1 Star

July 26 2019 4:21PM

Scam Company. Be Aware. Most of the Time they will Deny Your Claim saying that its not covered. Got Policy from them for $500, Used after 2 and half months, They Denied my First Claim even without sending technician. Called for Asking them why, they hand phone on me, called back for refund, offered only $134.00. Be Aware Guys.

Sheikh U.
Cumming, GA
1 Star

July 18 2019 2:09PM

This is the worst home warranty company that has ever existed. On June 9, 2019 we placed a claim to have our refrigerator repaired. It is now July 18, 2019! I have spoken with their "call center", who claim to be in New Jersey. I honestly doubt it!

I do not think they understand the English language well. Understand that I have been on the phone with these customer service reps many many times. One customer service representative told my technician that I hired my own technician. I ABSOLUTELY NEVER SAID THAT! I was waiting on the technician and called the technician. The technician told me about the phone call. He also said that he has problems with Select Home Warranty.

The part is back on order again. So my family gets to wait to have a working refrigerator. I have had to rent a refrigerator. I paid on 6/15/19 and now it is time to pay again. Still no refrigerator. They refuse to reimburse me for my rental, even though this is their mistake. Every time I call, I can never get a supervisor. At every call, they state, "Oh I see you hired your own technician." I honestly do not understand what they are doing. I just want a refrigerator that works. I will never use this company and I will tell all my real estate friends about my issue.

I will only be happy at this point with a working refrigerator, reimbursement for 2 months rental of a refrigerator, reimbursement of my service call fee, and reimbursement of the last six months of monthly fees for their lack of service. I have now wasted hours on the phone with these people. Time is money.

Chris V.
Amarillo, TX
1 Star

June 05 2019 4:08PM

This "company", is the very definition of a scam. Please do not give them your hard-earned money, they are little more than thieves I filed a claim for my garage door opener on Feb. 20, 2019. I was finally told on Apr. 23 that they were trying to find a technician to come to my house. On Time Appliance Repair and Services, an authorized Select Home Warranty service technician, was assigned to the issue. The technician dutifully came out and collected his $75 service call fee, and then promptly vanished. I made the repair myself and requested my $75 back from Select Home. They flatly refuse to refund my money. This story will not come as a surprise to anyone who has done "business" with Select Home Warranty.

Greg C.
1 Star

January 31 2019 6:25PM

I agree with the other reviews. When they sold me the policy they told me if my water heater were to leak and it turned out to be due to age they would cover it. That did happen and they denied the claim. The company they selected had only been in business 6 months and the phone numbers they gave me asked me not to leave a message and not to call them again. I had to find my own contractor and of course no coverage, Now they say it needs to be a component gone bad for them to even consider. I was having plumbing problems, again slow response. Turned out my sewer pipe was clogged. Had a plumber come out and snake the pipe, paid myself. Had I waited on their response I can only imagine what may have happened if sewer had backed into my house. Do not waste your money by buying a warranty from them. The customer service is terrible, they don't care about you or your problems and find worst contractors they can. I would use any other home warranty company unless you want to pay for nothing. Be sure to check with your BBB before you sign, if I would have I would have gone with a different company. They had several complaints most of them unresolved.

Ellen M.
Fairdale, KY
5 Stars

October 20 2018 2:33PM

We just had our first claim experience. Our dryer broke down. I contacted Select the next day, they had the repair approved within hours and the technician contacted me the next day to set up an appointment. No complaints thus far!

Valerie G.
1 Star

August 30 2018 2:47PM

Bought the best package for 400/-, covering everything. They had TONS of promise. Its been 8 months and everytime we try to file a claim, they force us to buy additional service, even without sending anyone once to at least see the problem. Over the email and phone they already know the problem and the additional package which MIGHT fix it.

Helplessly we bought few thinking at least now they will fix it, but NO. They would give a name of a contracted to be contacted by us to which the contracted says that either he does not serve the area or he will not come so far, or he has no time to schedule and finish the product. Then we call back over a week, where they keep transferring. In 8 months, and after 4 claims, not a single one is taken care of and only once a technician came after almost 2 months of fighting with Select Warranty to send someone.

We had Choice Warranty before this and that was almost no hassle. SELECT HOME WARRANTY SUCKS!!! THEY WANT YOUR MONEY, AND ARE NOT RESPONSIBLE FOR ANY SERVICE. Just pay them and keep paying them... Just don't expect any service at all... Ever!!! Going back to Choice Warranty.

Sunidhi S.
1 Star

August 01 2018 8:14AM

#BeAwareOfSelectHomeWarrantyPolicy. If you do not have maintenance records, your AC repair expenses will not be reimbursed. In my case (issue date: 06/10), in hot summer (at 115F), I was out of AC for close to 10 days. After multiple calls, one representative asked me to pay for the repair out of my pocket and submit the invoice so that they could reimburse the expenses which I did. I waited for many days and then raised a request with BBB, but that was also closed as unresolved as they were not able to get response from SelectHome Warranty (BBB ticket - **).

On 07/31, I received a call from Select Home Warranty and asked me what would I do if they do not approve the claim. As a customer, I said, I would look for another warranty company who stands by its words and helps customers. Based on this, they said, they could cancel the policy and waive off $75 cancellation fee without offering and reimbursement for the claim. Person who spoke is also rude and willing to cancel the account.

As customers, we take home warranty policies for peace of mind and they help us during any break down, but that is not the case with Select Home Warranty. So customers, please raise your experiences at #BeAwareOfSelectHomeWarrantyPolicy so that other common man could take necessary steps by not falling into their trap. BTW, Service providers whom they send are 3rd party providers.

Even for simple issue, they need approval from this company to fix. This entire process would take minimum of 3 to 7 days to know if they are going to fix the issue or not.

Suman P.
1 Star

June 15 2018 11:40AM

Do not use Select Home Warranty, the company is a scam. The most they will pay out for a claim is $150. They take 10 days to just look a claim, then you have to keep calling to follow-up and then they ask you for the same stuff you already sent them and say they didn't receive it, then they want you to come up with 3 years of receipts of service for your HVAC system even though I just purchased this house 6 months ago and obviously that's not possible. All their marketing is gearing towards homebuyers, realtors, and senior citzens to scam you into thinking you will be covered so you feel at ease moving into your new home, but nothing is covered.

Tracy K.