Choice Home Warranty vs Select Home Warranty
Last updated July 2026
Choice Home Warranty
Lower-cost home warranty with simple two-plan structure
Advantages
- Simple two-plan structure: Basic and Total
- $45-$60/mo typical, among the cheapest in the industry
- $85 flat service call fee
- Coverage begins 30 days after enrollment
- Nationwide coverage in most states
Drawbacks
- Coverage caps lower than AHS ($1,500 per HVAC unit is the cap)
- Claims denial rate reported as higher than AHS in third-party reviews
- Fewer service technicians in some rural markets
- Multi-year plans push aggressive upsell
Select Home Warranty
Low-priced home warranty with basic coverage tiers
Advantages
- One of the cheapest monthly premiums in the industry ($42-$52/mo)
- $75 flat service call fee
- Three plans: Bronze, Gold, Platinum
- Free roof leak coverage on annual plans
- Nationwide coverage in most states
Drawbacks
- Coverage caps materially lower than AHS ($500-$3,000 per item)
- Claim denial rate reported higher than AHS in third-party reviews
- Waiting period of 30 days
- Customer service reviews mixed
Choice Home Warranty and Select Home Warranty both play in home warranty plans, but they're aimed at different buyers. Choice Home Warranty is built for budget-conscious homeowners who want basic breakdown coverage. Select Home Warranty is built for budget-focused homeowners who want the cheapest possible basic breakdown coverage. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Choice Home Warranty | Select Home Warranty |
|---|---|---|
| Plan Lineup | Basic and Total | Bronze, Gold, Platinum |
| Starting Price | $45-$60/mo typical | $42-$52/mo typical |
| Service Call Fee | $85 flat | $75 flat |
| Coverage Limits | $1,500 per major system; $500 per appliance | $500-$3,000 per item depending on plan |
| Waiting Period | 30 days | 30 days |
| Appliances Covered | Refrigerator, dishwasher, oven, washer/dryer (Total plan only) | Refrigerator, dishwasher, oven, washer/dryer (Gold/Platinum) |
| Systems Covered | HVAC, plumbing, electrical, water heater | HVAC, plumbing, electrical, water heater |
| Claims Rating | Below average, higher reported claim denial rate | Below average, higher reported denial rate |
Choice Home Warranty Wins
Choice Home Warranty takes it overall (7/10 vs 6/10), but Select Home Warranty is still the sharper pick for budget-focused homeowners who want the cheapest possible basic breakdown coverage.
Choice Home Warranty's standout strength: Simple two-plan structure: Basic and Total. Its biggest drawback (coverage caps lower than AHS ($1,500 per HVAC unit is the cap)) is easier to live with than Select Home Warranty's (coverage caps materially lower than AHS ($500-$3,000 per item)). Select Home Warranty isn't out of the running though — its own standout strength is one of the cheapest monthly premiums in the industry ($42-$52/mo). If you fit the profile of budget-focused homeowners who want the cheapest possible basic breakdown coverage, that alone can flip the decision.
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