Select Home Warranty (Platinum Care) review 2027

What problem does Select Home Warranty solve for budget buyers?

Select Home Warranty is the cheapest premium of the six plans tested in this category, and the caps explain why. It works as appliance cover; treat the HVAC line as a contribution rather than a replacement. That is the trade a budget buyer makes: the lowest monthly outlay in the group, with the coverage limits set low enough to fund it.

The plan costs $47.75 a month, carries a $75 service call fee and comes to $723 a year at two claims — the lowest total here. Roof-leak cover is included free, which other providers sell as an add-on, and the plan is sold in all 50 states. Select also runs frequent two-months-free promotions, which lower the first-year outlay further.

How did Select Home Warranty score 7.9 out of 10?

We scored the plan across five criteria, each with its own maximum.

• What is actually covered — 21 of 30. We read the sample contract rather than the brochure, checking which systems and appliances are named, the per-item and aggregate caps, and the exclusions. The $3,000 annual payout cap and the $2,000 HVAC cap pulled this score down.
• Claims experience — 17 of 25. This measures published response times, who chooses the contractor, complaint volume in state filings and Better Business Bureau records, and what happens when a claim is denied. Complaints about claim denials are the highest of the six in BBB records.
• Total annual cost — 20 of 20. We count plan premium plus the service call fee at the number of claims a typical household makes, not the headline monthly price. At $723 a year for two claims, Select takes full points.
• Terms and flexibility — 12 of 15. Waiting period, cancellation rights, whether you can pick your own contractor, and coverage caps on the expensive items. The 30-day waiting period is standard; you cannot choose your own contractor.
• Add-ons and availability — 9 of 10. Optional cover for pools, septic, wells and second refrigerators, plus the states where the plan is sold. Select covers all 50 states.

What does Select Home Warranty do well?

Four strengths stood out in testing. First, the annual cost: $723 a year at two claims is the lowest total here. Second, roof-leak cover is included free, which others sell as an add-on. Third, Select runs frequent two-months-free promotions. Fourth, the plan covers all 50 states, so availability is not a barrier.

What is in the Select Home Warranty plan, and how is it built?

The plan structure is straightforward. The premium is $47.75 a month, the service call fee is $75, and the annual cost at two claims is $723. The annual payout cap is $3,000 per year, and the HVAC cap is $2,000. There is a 30-day waiting period, no inspection is required, and you cannot choose your own contractor. The plan is sold in all 50 states.

How does Select Home Warranty compare with the other plans we tested?

Liberty Home Guard scored 8.6 and costs $59.99 a month with a $65 service call fee, an annual cost of $850 at two claims, no stated annual payout cap on Total Home Guard, a $3,000 HVAC cap and a 30-day waiting period. It is network-only for contractors and sold in all 50 states.

Cinch Home Services scored 8.3 at $61.99 a month with a $100 service call fee, $944 a year at two claims, a $10,000 annual payout cap, a $3,000 HVAC cap and a 30-day waiting period. It is network-only and sold in all 50 states.

American Home Shield scored 8.2 at $99.99 a month with a $100 service call fee, $1,400 a year at two claims, a $5,000 appliances and $5,000 systems cap on Platinum, a $5,000 HVAC cap and a 30-day waiting period. It allows you to choose your own contractor with pre-approval and is sold in 49 states, not Alaska.

First American Home Warranty scored 8.0 at $75 a month with an $85 service call fee, $1,070 a year at two claims, a $7,000 appliances cap on Premier, a $3,500 HVAC cap and a 30-day waiting period. It is network-only and sold in 36 states.

Choice Home Warranty scored 7.6 at $54.17 a month with a $100 service call fee, $850 a year at two claims, a $3,000 per-item cap, a $3,000 HVAC cap and a 30-day waiting period. It is network-only and sold in 48 states, not California or Washington.

Where does Select Home Warranty fall short?

Caps and claim record are where it lost ground. The $2,000 HVAC cap will not replace a system — it will contribute to one. The $3,000 aggregate cap applies across the whole year. And complaints about claim denials are the highest of the six in BBB records.

Is Select Home Warranty good value?

The price summary is $44.42, and the plan runs $47.75 a month. At two claims, the annual cost is $723 — the lowest total here. That figure is the value case: the premium and service fee together undercut every rival tested, and the saving comes directly from the lower caps.

Who should buy Select Home Warranty?

Budget buyers covering appliances. If the goal is to keep a fridge, oven, dishwasher or washer running without a large monthly outlay, Select does that at the lowest total cost in the group. Treat the HVAC line as a contribution rather than a replacement, and check the $3,000 annual cap against your appliance list before signing up.