Select Home Warranty (SHW) and Choice Home Warranty (CHW) are both top-rated home warranty providers offering similar lists of home system and appliance protection, but just in different policy frameworks. We’ve pinpointed the key differences between each company below to help you discover which carrier might be the best home warranty option for you.

Our Take

While Select Home Warranty and Choice Home Warranty both offer comprehensive plans with similar price points, whether either provider is right for you will depend on your unique coverage goals. For example, Select splits its coverage by type, offering standalone options for appliances and systems, plus a combo option. Choice, on the other hand, packages both of its base plans as combined coverage options.

Compare Select Home Warranty vs. Choice Home Warranty

Select Home WarrantyChoice Home Warranty
Our Rating4.14.2
WebsiteVisit SiteVisit Site
Plan Options1 appliance-only, 1 systems-only, and 1 comprehensive plan● Two plans that cover both appliances and systems
Monthly PremiumBronze Care Plan: $58
Gold Care Plan: $57.67
Platinum Care Plan: $62.08
Basic Plan: $45
Total Plan: $53.33
Service Fees$60$85
AvailabilityNot available in WA, NV, WY, NMNot available in WA
BBB RatingBD
Years in Business1013

Select Home Warranty vs. Choice Home Warranty Coverage

Though Select Home Warranty and Choice Home Warranty both offer appliance and systems coverage across their base plans, the specific inclusions and exclusions within each policy level are slightly different. Only Select reserves two of its coverage plans for appliance-only and system-only protection. Select also offers a few more optional coverage add-ons than Choice Home Warranty for lawn sprinkler systems and stand-alone freezers. Choice Home Warranty, on the other hand, has higher coverage limits than Select, capping per-item maximums at around $3,000 per year.

Select Home Warranty Coverage and Plans

Select Home Warranty offers three base plan options: Bronze Care, Gold Care, and Platinum Care. Bronze Care is an appliance-only plan, covering eight kitchen and laundry items. Gold Care is a systems plan wrapping six built-in items. Platinum Care, Select’s most comprehensive coverage option, is a two-in-one variation of Bronze and Gold plus coverage for plumbing stoppages and garage door openers.

Select Home Warranty Coverage and Plans

Covered ItemBronze CareGold CarePlatinum Care
Garbage Disposal
Built-in Microwave
Clothes Washer
Clothes Dryer
Air Conditioner
Electrical Systems
Heating Systems
Plumbing Systems
Plumbing Stoppages
Hot Water Heater
Ceiling Fan
Garage Door Openers

Select Home Warranty Optional Add-ons Available for Coverage:

  • Central vacuum
  • Well pumps
  • Sump pumps
  • Pool and spa
  • Septic systems
  • Sprinkler systems
  • Stand-alone freezer
  • Roof leak coverage

For more information about SHW, read our full Select Home Warranty review.

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953

Choice Home Warranty Coverage and Plans

Choice Home Warranty divides its combined appliance and system coverage into two plan types: the Basic Plan and the Total Plan. The Basic Plan covers a total of 14 home systems and appliances whereas the Total Plan includes 18. Choice also offers nine optional coverage add-ons, available to policyholders who wish to extend their coverage beyond what’s offered in the base plans.

Covered ItemThe Basic PlanThe Total Plan
Heating Systems
Electrical Systems
Plumbing Systems
Plumbing Stoppages
Hot Water Heaters
Whirlpool Bathtubs
Built-in Microwaves
Garbage Disposals
Ceiling and Exhaust Fans
Garage Door Openers
Air Conditioning Systems
Clothes Washers
Clothes Dryers

Choice Home Warranty Optional Add-ons Available for Coverage:

  • Central vacuum
  • Limited roof leak repairs
  • Pools and spas (in-ground set-ups only)
  • Well pumps
  • Sump pumps
  • Septic systems
  • Septic tank pumping
  • Second refrigerators
  • Stand-alone freezers

For more information about CHW, read our full Choice Home Warranty review.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164

Select Home Warranty vs. Choice Home Warranty Cost

Choice Home Warranty charges slightly less per month than Select Home Warranty, though you’ll pay $25 more per service fee with Choice than with Select. With a policy through Select Home Warranty, you’ll have to purchase the most comprehensive and expensive plan in order to achieve coverage for both systems and appliances in your home. Choice offers combined coverage in its tier-one plan level, for less than Select’s appliance-only plan.

Select Home Warranty

Home Warranty PolicyMonthly PremiumService Fee
Bronze Care$58$60
Gold Care$57.67$60
Platinum Care$62.08$60

Choice Home Warranty

Home Warranty PolicyMonthly PremiumService Fee
Basic Plan$45$85
Total Plan$53.33$85

Select Home Warranty vs. Choice Home Warranty Reviews

Select Home Warranty boasts a B rating from the Better Business Bureau (BBB), whereas Choice Home Warranty has a D. Neither company is officially accredited with the organization. Based on our research, Choice Home Warranty suffered a drastic reduction in its rating solely because of a class action lawsuit filed against the company in 2019 by the Arizona Attorney General’s Office. The dispute has since been settled, though Choice’s rating has yet to recover despite its effort to rectify its claim processes.

We’ve excerpted a handful of positive and negative customer reviews below to help you get a feel for the policyholder experience with either company.

Home Warranty Customer Reviews Comparison

Select Home WarrantyChoice Home Warranty
BBB RatingBD
Average Star Rating1.58/51.06/5
Number of Online Customer Reviews1,5452,943
BBB AccreditationNoNo

Select Home Warranty Customer Reviews

Here are a few of the recent reviews from SHW customers:

“Technician who came to fix our counter top stove was very friendly and did an awesome job fixing the issue. He cleaned up and made sure everything was back in its place. He explained everything in detail from the initial visit to the actual day of repair. Five-star rating for the technician.”

Joel M., 08/01/2022

“I recently had to file a claim for my HVAC system, and the claim was denied because the SHW said that the problem wasn’t covered by the home warranty. I called back and said that the issue was not what the HVAC company said, because they didn’t check correctly (After less than 5 minutes visits, not even making the unit run). SHW is going to send me another professional and promised to not charge for the visit.”

Patricia A., 09/02/2020

Choice Home Warranty Customer Reviews

Here are a few recent reviews from CHW customers:

“I called for a quote for a home warranty for a home that I’m in the process of buying. I was given an almost $500 senior discount. Also, the policy start date was adjusted to 4 days earlier than the 30-day wait period in order to have it start on the closing date of the property purchase. The representative was very accommodating.”

Edna M., 08/09/2022

“I contacted Choice because many people spoke highly of them. When I called, the representative was on SUPER sales mode. I couldn’t even ask questions without him asking me what I wanted to buy. They need to work on their customer service skills.”Tiffany A., 08/05/2022

Tiffany A., 08/05/2022

Final Thoughts

As two industry-leading home warranty companies, whether you go with Choice Home Warranty or Select Home Warranty, it’s hard to go wrong. Both service providers offer similar monthly rates with generous discounts for new joiners. Though Choice charges a slightly more expensive service fee than Select, both sit below the industry maximum of $125. Select and Choice offer similar lists of additional coverage riders, though Choice’s are priced a few dollars less per month than Select’s.

FAQs about Home Warranties from Choice and Select

Which home warranty is better, Choice or Select?

Both Choice Home Warranty and Select Home Warranty are proven reputable providers with impressive customer bases and comprehensive home warranty coverage. The best home warranty company for you out of these two will depend on what you’re prioritizing coverage for in your home.

For homeowners primarily looking for home appliance coverage alone, Select Home Warranty might make more sense for you given its appliance-only option. For anyone looking to cover both appliances and systems, you’ll find more affordable combo coverage through Choice.

What is the deductible for Select Home Warranty?

Select Home Warranty charges a $60 service fee each time you file a new claim for a covered issue.

What is the difference between Choice and Select Home Warranty?

  • Choice has an $85 service fee whereas Select charges $60.
    Select has appliance-only and system-only coverage options.
  • Choice only offers combo coverage.
    Select has three base plan options, but Choice only has two.
  • Choice is available in NV, WY, and NM, but Select is not. Both aren’t available in WA.
  • Customers can’t choose their service technician with either provider.
  • Both Choice and Select instate 30-day waiting periods.
  • Select has response times of 24-48 hours, whereas Choice processes claims within a minimum of 48 hours.

Today's Homeowner Home Warranty Ranking Methodology

At Today's Homeowner, transparency and trust are our most important values for the reader.

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.

Here is a quick breakdown of our five core scoring categories:

  • Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
  • Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
  • Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
  • Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
  • Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.
Editorial Contributors
avatar for Meredith Kucik

Meredith Kucik

Meredith Kucik covers home warranties, company reviews, real estate, personal finance, and all things homeownership for Today's Homeowner. She has published work in local and national media publications across the home services category, reaching various consumers from homebuyers to sellers to real estate professionals. Meredith graduated from the University of North Carolina at Wilmington in 2021 with a Bachelor of Fine Arts in Creative Writing.

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photo of Roxanne Downer

Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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