Select Home Warranty vs Home Warranty of America
Promotion-driven low prices vs much higher repair limits
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The verdict
Home Warranty of America is the stronger pick for most people - Up to $5,000 on most repairs. Full reasoning, pricing and the cases where Select Home Warranty wins are below.
| At a glance | Select Home Warranty | Home Warranty of America |
|---|---|---|
| Starting price | ~$36-$64/mo before promos | ~$48-$61/mo (sample quote) |
| Service fee | ~$60-$75 typical | ~$100 per visit |
| Plans | Bronze, Gold, Platinum Care | Premier, Premier Plus |
| Coverage caps | ~$500 per item; ~$3,000 HVAC per term | Up to $5,000 on most repairs |
Prices are the providers’ published rates at our last verification - confirm the final figure at checkout, as offers change. How we verify prices
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
Nationwide coverage with up to $5,000 on most approved repairs and 13-month contracts
- Premier & Premier Plus plans
- Up to $5,000 on most repairs
- Available in all 50 states
The full breakdown
Select Home Warranty vs Home Warranty of America: 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 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
What is Home Warranty of America?
Home Warranty of America (HWA) has operated since 1996 and was acquired by Choice Home Warranty in 2022, though it still sells its own plans. For homeowners it offers Premier (which excludes air conditioning) and Premier Plus (which covers all major systems and appliances including AC); real estate plans are sold through agents.
Read the full Home Warranty of America breakdown▾
This review covers HWA's plans, cost, limits and who it suits.
What you get with Home Warranty of America
- Premier and Premier Plus consumer plans
- Up to $5,000 on most approved repairs (lower limits on some items)
- 13-month contracts
- Available in all 50 states
- 24/7 online and phone claims
- 30-day workmanship guarantee
Who Home Warranty of America is best for
- Homeowners in states other brands don't serve
- Buyers who want a higher repair limit at a mid-range price
- Anyone who wants a simple two-plan choice
How much does Home Warranty of America cost?
Approximate only.
Full pricing details▾
A ConsumerAffairs sample quote (Texas, $100 service fee) put Premier at about $550 a year (~$48/mo) and Premier Plus at about $700 a year (~$61/mo). Reported cancellation terms allow a full refund within 30 days and a prorated refund after that, minus the lesser of $30 or 10%.
Get a quote for your address.
Premier
Major systems and appliances, excluding air conditioning
Sample quote
- No AC coverage
Premier Plus
All major systems and appliances including AC
Sample quote
- Includes AC
- Up to $5,000 most repairs
What we like about Home Warranty of America
- Available in every state
- Higher repair limit than many budget brands
- 13-month contract gives an extra month
- Simple two-plan consumer lineup
Worth keeping in mind
- Short 30-day workmanship guarantee
- Poor ratings on some review sites (e.g. ConsumerAffairs)
- Lower limits on rust- and corrosion-related plumbing and electrical repairs
- Waiting-period details vary by source - confirm in your contract
Select Home Warranty vs. Home Warranty of America: What’s the Difference?
The key differences to consider when comparing the two providers.
| Select Home Warranty | Home Warranty of America | |
|---|---|---|
| Starting price | ~$36-$64/mo before promos | ~$48-$61/mo (sample quote) |
| Service call fee | ~$60-$75 typical | ~$100 per visit |
| Plans | Bronze, Gold, Platinum Care | Premier, Premier Plus |
| Coverage caps | ~$500 per item; ~$3,000 HVAC per term | Up to $5,000 on most repairs |
| Waiting period | 30 days | 30 days (reported) |
| Not available in | Nevada, Washington, Wisconsin (reported) | None - all 50 states |
| In business since | 2012 | 1996 |
So which one should you pick?
Find the line that sounds like you - that’s your answer.
Here’s the short version
Select and HWA both sell affordable direct-to-consumer plans, but their coverage limits are very different. Here's how they compare.
The quick answer
Go with Home Warranty of America if you want
- Up to $5,000 on most repairs
- All 50 states
- 13-month contracts
Select Home Warranty makes more sense if you want
- Free months on annual plans
- Free roof leak coverage in promos
- Lower typical service fee
Had to pick one for most people? Home Warranty of America. The numbers and customer feedback below are why - and where Select Home Warranty wins instead.
Select vs Home Warranty of America: FAQs
Which is better, Select vs Home Warranty of America?
Home Warranty of America wins this matchup: its reported $5,000 limit on most repairs is roughly ten times Select's reported ~$500 per-item caps, and it sells in all 50 states. Select's promotions can make its first year cheaper, but a single large repair can erase that saving.
Which has better coverage, Select Home Warranty or Home Warranty of America?
HWA's reported $5,000 limit on most approved repairs is far above Select's reported ~$500 per-item caps.
Promotions: Select Home Warranty or Home Warranty of America?
Select regularly offers free months, $150 off and free roof coverage on annual plans.
Which is available in more states, Select Home Warranty or Home Warranty of America?
HWA sells in all 50 states; Select is reported unavailable in Nevada, Washington and Wisconsin.
Which has better customer reviews, Select Home Warranty or Home Warranty of America?
Select's typical fee (~$60-$75) is below HWA's ~$100.
Related Comparisons
Sources & methodology
We built this comparison of Select Home Warranty and Home Warranty of America 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.
- Select Home Warranty - full pricing & plan breakdown
- Home Warranty of America - 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.