Select Home Warranty Review
Budget pricing is the argument. But a 1.7/5 BBB customer score from 2,300+ reviews is a pattern, not noise - read the contract before signing.
Overall Score
5.8
out of 10
BBB Rating
B-
Not accredited
BBB Customer
1.7
2,300+ reviews
Entry Price
$46
per month
Our Verdict
Select Home Warranty lives in the budget tier. Plans run roughly $45-$62/month with service fee flexibility between $75 and $125. In markets where Liberty Total Home Guard runs $69-$79/month and AHS Platinum runs $85+, Select's entry pricing is a real number.
What you're trading for that lower price: a B- BBB rating and 1.7 out of 5 customer score from 2,300+ reviews. The 1.7/5 is worth sitting with for a moment - that's not a small sample. 2,300 reviews averaging 1.7/5 is a pattern, not statistical noise. The complaint themes are consistent: claim filed, claim denied on a technicality, customer frustrated.
If price is your hard constraint and you understand what that score means for your claim experience expectations, Select can work. If you have any flexibility in the $10-15/month range, there are better options.
Score Breakdown
Value score of 7.0 reflects the low entry price relative to market. Customer Service score of 5.0 reflects the 1.7/5 BBB customer reviews.
Pros & Cons
+ What Works
- + Entry pricing ~$45-$46/month - genuinely among the lowest in the market
- + $75 service fee option - one of the lower per-call costs available
- + Available in approximately 46 states
- + Three plan tiers with clear tier naming
- + Service fee flexibility: $75, $100, or $125
- + No confirmed enforcement actions as of June 2026
− What Doesn't
- − B- BBB rating - below average for the industry, not BBB accredited
- − 1.7/5 BBB customer score from 2,300+ reviews - 2,300 reviews is a real pattern, not noise
- − HVAC cap unconfirmed - cannot verify specific figure from available research
- − Complaint pattern: claim denials on technicalities, customer service responsiveness
- − Coverage gaps and exclusions require direct contract review before purchasing
Plans & Pricing
Three tiers. The Bronze plan is where Select competes on price. Pricing varies by location - get a direct quote before deciding.
Bronze Care
~$45.86/moBasic coverage - core systems and appliances. Entry point pricing.
Gold Care
~$52-$55/moMid-tier plan with expanded coverage items.
Platinum Care
~$58-$61/moFull coverage. Most complete option. Verify specific HVAC cap directly.
Price vs. Customer Score Trade-Off
Select's pricing advantage is real - but so is the customer satisfaction gap. This is the core trade-off.
| Company / Plan | Monthly | Min. Fee | Customer Score |
|---|---|---|---|
| Select Bronze Care | ~$45.86/mo | $75 | 1.7/5 BBB |
| Choice Home Warranty | ~$49-58/mo | $85 | 4.0 TP |
| Liberty Total Home | ~$69-79/mo | $80+ | 4.7 TP |
| AFC Home Club (Silver) | ~$44-55/mo | $75+ | 4.0 TP |
TP = Trustpilot. Select's pricing advantage is roughly $10-15/month over comparably priced alternatives with significantly higher customer scores.
BBB & Complaint Analysis
The Numbers
- BBB Rating: B-, not accredited
- Customer Score: 1.7/5 from 2,300+ reviews
- Complaint Pattern: Claim denials on technicalities, service responsiveness
Understanding the gap
The B- letter grade reflects how Select responds to BBB complaints - technically. The 1.7/5 customer score reflects whether customers felt the issue was actually resolved. The gap between those two numbers suggests Select may technically respond to complaints without resolving the underlying claim issue. That pattern is more informative than either number alone.
Coverage & Caps: Verify Before Purchasing
HVAC cap and coverage limits not confirmed - get the Schedule of Covered Items
Specific per-item caps - including HVAC - were not confirmed from available research. If HVAC coverage is your primary reason for buying, compare Select's confirmed cap directly against AHS Platinum ($5,000/unit), Liberty ($2,000/unit), or AFC (no cap) before deciding. Publishing an unconfirmed cap figure as fact creates a worse outcome than not publishing one - get it from the contract.
Who It's Best For
Good Match
- ✓Budget-first homeowners with newer systems. If your HVAC and major appliances are under 5 years old, the primary risk is smaller items - plumbing fittings, garbage disposal, dishwasher pump. Those claims are lower stakes and less likely to trigger the denial patterns in the reviews.
- ✓Secondary property or rental unit coverage. If you want basic coverage on a rental where HVAC failure is a landlord concern and tenant-level appliance coverage is the goal, Select's lower price makes sense.
May Not Be Ideal
- ✗Older homes where major system failure is likely. The 1.7/5 customer score suggests Select struggles with complex, high-value claims. A 15-year-old HVAC and a 20-year-old electrical panel is a risk profile that doesn't match this company.
- ✗Anyone who needs confirmed coverage caps to make a decision - caps are not verified in available research.
- ✗Anyone who has $10-15/month of budget flexibility - that range gets you Liberty or AFC with dramatically better customer scores.
Contract Terms
| Waiting Period | 30 days standard |
| Service Fee | $75, $100, or $125 per trade - your choice at enrollment |
| HVAC Cap | Unconfirmed - verify from Schedule of Covered Items before purchasing |
| Cancellation | Pro-rated refund after 30 days minus claims paid |
| Auto-Renewal | Yes, annual |
| Arbitration | Yes - standard for the industry |
| BBB Accreditation | Not accredited |
Frequently Asked Questions
Is Select Home Warranty worth it?
What is Select's BBB rating?
What states does Select Home Warranty serve?
What service fee options does Select offer?
What is Select's HVAC coverage cap?
Why is the 1.7/5 customer score significant?
Does Select cover pre-existing conditions?
Alternatives to Consider
Compare Select Against All Providers
See how Select Home Warranty stacks up across coverage, price, BBB ratings, and HVAC caps - side by side with every major competitor.
View All ReviewsLast verified June 2026. Verify current pricing, HVAC cap, and state availability directly at selecthomewarranty.com before purchasing.