Choice Home Warranty vs Select Home Warranty
Higher per-item caps vs the lowest promotional prices
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The verdict
9.6/10 vs 9.1/10
Choice Home Warranty is the stronger pick for most people - $3,000 per covered item. Full reasoning, pricing and the cases where Select Home Warranty wins are below.
| At a glance | Choice Home Warranty | Select Home Warranty |
|---|---|---|
| Starting price | ~$46-$58/mo (reported) | ~$36-$64/mo before promos |
| Service fee | ~$100 per visit | ~$60-$75 typical |
| Plans | Basic, Total | Bronze, Gold, Platinum Care |
| Coverage caps | $3,000 per covered item | ~$500 per item; ~$3,000 HVAC per term |
Prices are the providers’ published rates at our last verification - confirm the final figure at checkout, as offers change. How we verify prices
Two simple plans covering home systems and appliances, with a $3,000 per-item cap and coverage in 49 states
- Basic & Total plans
- $3,000 per covered item
- Online claims, 24/7
One of the lowest-cost plans available, with frequent free-month and free roof coverage promotions
- Bronze, Gold & Platinum Care
- Low starting price
- Free roof leak coverage promo
The full breakdown
Choice Home Warranty vs Select Home Warranty: a closer look at each
Both are credible providers in this category, and the right pick comes down to fit. So instead of crowning a “winner,” here’s the real rundown on each - what you get, what it actually costs, and what real customers are saying - so you can pick the one that fits you.
What is Choice Home Warranty?
Choice Home Warranty has sold home warranties since 2008 and is one of the most heavily advertised brands in the industry. Its lineup is deliberately simple: a Basic Plan for core systems and kitchen appliances, and a Total Plan that adds air conditioning, the refrigerator and laundry machines.
Read the full Choice Home Warranty breakdown▾
Optional add-ons cover items such as pools, spas, well pumps and septic systems. This review covers what Choice includes, what it costs, the limits in its contract and who it suits best.
What you get with Choice Home Warranty
- Two plans: Basic and Total
- $3,000 cap per covered item per term
- Online and phone claims
- Add-ons for pool/spa, well pump, sump pump, septic and roof leak
- 30-day workmanship guarantee on repairs
- Sold in every state except Washington
Who Choice Home Warranty is best for
- Homeowners who want simple, affordable systems-and-appliance coverage
- Buyers who want a solid per-item cap without paying premium-tier prices
- Anyone comfortable reading the contract's exclusions before signing
How much does Choice Home Warranty cost?
Approximate only - prices depend on your address and promotions.
Full pricing details▾
Third-party quotes from 2025 put Choice's Basic Plan at roughly $46-$49 a month and the Total Plan at roughly $55-$58 a month. The service call fee is typically about $100 per claim (lower in some markets), and it is generally owed when a technician visits even if the claim is denied.
Choice frequently advertises first-month-free and dollar-off promotions. Get a quote for your address before buying.
Basic Plan
Heating, plumbing, electrical, water heater, ductwork + kitchen appliances
Reported
- Systems + kitchen appliances
- $3,000 per covered item
Total Plan
Everything in Basic + AC, refrigerator, clothes washer and dryer
Reported
- Adds AC and laundry
- Most popular for full coverage
What we like about Choice Home Warranty
- Simple, easy-to-compare plans
- $3,000 per-item cap is solid for the price
- Available in 49 states
- Large customer review base on Trustpilot
Worth keeping in mind
- $11.8 million consent judgment with the Arizona Attorney General in 2026 over claim-handling allegations (no admission of wrongdoing)
- Service fee generally owed even if a claim is denied
- Not sold in Washington
- Low BBB customer review average, typical of the industry
What is Select Home Warranty?
Select Home Warranty has sold plans since about 2012 and competes hard on price. Its three plans - Bronze Care (appliances), Gold Care (systems) and Platinum Care (both, plus extras) - are frequently advertised with free months, dollar-off discounts and free roof leak coverage.
Read the full Select Home Warranty breakdown▾
This review covers what Select includes, what it really costs, the limits in its contract and who it suits.
What you get with Select Home Warranty
- Three plans: Bronze, Gold and Platinum Care
- Frequent promotions: free months, $150 off, free roof coverage
- Low add-on prices (e.g. pool ~$8/mo, well pump ~$3/mo reported)
- Multi-year plan options
- Typical service fee around $60-$75
- Reported per-item caps around $500
Who Select Home Warranty is best for
- Budget-conscious homeowners who mainly want help with smaller repairs
- Homes with newer major systems
- Buyers who will read the limits table before signing
How much does Select Home Warranty cost?
Approximate only. Select's plans are reported at roughly $36-$64 a month before promotions, and around $480-$525 a year with them. Promotional free months typically require paying for the year upfront. The service fee is usually about $60-$75 but Select's own materials describe a range depending on the contract, and the terms list a $75 cancellation fee. Compare the annual total, not just the promotion.
What we like about Select Home Warranty
- Among the lowest prices we track, especially with promotions
- Low-cost add-ons
- Roof leak coverage frequently included free
- Lower typical service fee than many competitors
Worth keeping in mind
- Low per-item caps (around $500 for many items, per third-party reviews)
- Promotional free months require annual prepayment
- BBB B- rating, not accredited, with a high complaint volume
- Reported unavailable in Nevada, Washington and Wisconsin
Choice Home Warranty vs. Select Home Warranty: What’s the Difference?
The key differences to consider when comparing the two providers.
| Choice Home Warranty | Select Home Warranty | |
|---|---|---|
| Starting price | ~$46-$58/mo (reported) | ~$36-$64/mo before promos |
| Service call fee | ~$100 per visit | ~$60-$75 typical |
| Plans | Basic, Total | Bronze, Gold, Platinum Care |
| Coverage caps | $3,000 per covered item | ~$500 per item; ~$3,000 HVAC per term |
| Waiting period | 30 days | 30 days |
| Not available in | Washington | Nevada, Washington, Wisconsin (reported) |
| In business since | 2008 | 2012 |
So which one should you pick?
Find the line that sounds like you - that’s your answer.
Here’s the short version
Choice and Select are both budget-focused home warranty companies that sell direct to homeowners online. Select is known for aggressive promotions - free months and free roof coverage - while Choice offers a much higher per-item cap.
Here's how they compare.
The quick answer
Go with Choice Home Warranty if you want
- $3,000 per covered item
- Simple two-plan lineup
- Not sold only in Washington
Select Home Warranty makes more sense if you want
- Frequent free-months promotions
- Free roof leak coverage in promos
- Low starting price
Had to pick one for most people? Choice Home Warranty. The numbers and customer feedback below are why - and where Select Home Warranty wins instead.
Choice vs Select Home Warranty: FAQs
Which is better, Choice vs Select Home Warranty?
Choice wins this matchup on coverage: its $3,000 per-item cap is far higher than the roughly $500 per-item limits reported for Select, which can leave you paying most of an appliance replacement. Select can still make sense if a low premium matters most and you understand the limits. Compare the annual cost, not just the promotion.
Which has better coverage, Choice Home Warranty or Select Home Warranty?
Choice caps covered items at $3,000; third-party reviews report Select's caps at about $500 per item for many appliances, plumbing and electrical repairs.
Is Choice Home Warranty cheaper than Select Home Warranty?
Select regularly advertises $150 off, free months and free roof coverage on annual plans, which can push its first-year cost below Choice's.
Which has better customer reviews, Choice Home Warranty or Select Home Warranty?
Select's typical service fee (~$60-$75) is lower than Choice's typical ~$100.
Which is available in more states, Choice Home Warranty or Select Home Warranty?
Choice is reported as unavailable only in Washington; Select is reported as unavailable in Nevada, Washington and Wisconsin.
Related Comparisons
Sources & methodology
We built this comparison of Choice Home Warranty and Select Home Warranty from each provider's own published pricing, plans and sample contracts, cross-checked against regulator and public-record sources, and read alongside real customer feedback. Prices and plan details were verified against the provider's published information; we do not take providers' word for their own claims without checking.
Provider information
Pricing, plans, caps and contract terms, checked against each provider's own site.
- Choice Home Warranty - full pricing & plan breakdown
- Select Home Warranty - full pricing & plan breakdown
Provider data checked October 2026
Customer & community feedback
Third-party signals shown on this page and in our full reviews: Trustpilot ratings and Better Business Bureau records, as captured on the dates we note. We report what these sources say - we never fold their ratings into our own scores.
Regulatory & public-record references
- 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
- 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
- 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
- 4.American Home Shield plans - American Home Shield
- 5.Choice Home Warranty user agreement - Choice Home Warranty
- 6.Select Home Warranty terms and conditions - Select Home Warranty
- 7.The Home Service Club pricing and plans - The Home Service Club
Last reviewed October 2026. We revisit comparisons when providers change their pricing or policies. This page is information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.