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Both industry leaders in the home warranty space, Select Home Warranty (SHW) and American Home Shield (AHS) each offer three levels of standard coverage for household appliances and systems. Yet, while both providers have built strong reputations for themselves as top-rated carriers, their policies aren’t identical.
Keep reading to learn more about Select Home Warranty vs. American Home Shield and to discover which is the best home warranty option for you.
Select Home Warranty and American Home Shield both offer comprehensive coverage and competitive pricing, with similar spreads of optional coverage add-ons. Still, homeowners who sign up with SHW will benefit from more affordable monthly premiums, a lower service call fee, and exclusive discounts for new joiners. Despite slightly higher premiums, customers will still have control over their monthly payment with AHS through its customizable service fee. American Home Shield is also available in every state except Alaska. Select isn’t available in Washington, Nevada, Wyoming, or New Mexico.
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
|Select Home Warranty||American Home Shield|
|Website||Visit Site||Visit Site|
|Plan Options||● Bronze Care Plan
● Gold Care Plan
● Platinum Care Plan
|Monthly Premium||● Bronze Care Plan: $58
● Gold Care Plan: $57.67
● Platinum Care Plan: $62.08
|● ShieldSilver: $34.27
● ShieldGold: $44.27
● ShieldPlatinum: $64.27
*Based on $100 service fee option
|Service Fees||$60||$75, $100, or $125|
|Availability||Not available in WA, NV, WY, NM||Not available in Alaska|
|Years in Business||10||51|
Though Select Home Warranty and American Home Shield both offer three base plan options, the specific inclusions across each are slightly different. Both providers have a systems-only option available. However, only Select reserves one of its base plans for appliance-only protection. Select also offers a few more optional coverage add-ons than American Home Shield for lawn sprinkler systems and stand-alone freezers. American Home Shield, on the other hand, has higher coverage limits than Select, with unlimited annual coverage for systems across all plan levels.
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, whereas Gold Care is a systems plan wrapping six built-in items. Platinum Care, Select’s most comprehensive plan option, is a two-in-one variation of Bronze and Gold plus coverage for plumbing stoppages and garage door openers.
|Covered Item||Bronze Care||Gold Care||Platinum Care|
|Hot Water Heater||✓||✓|
|Garage Door Openers||✓|
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
American Home Shield splits its coverage between its ShieldSilver, ShieldGold, and ShieldPlatinum plans. ShieldSilver includes coverage for 14 major systems, whereas ShieldGold and ShieldPlatinum provide coverage for a mix of 23 appliances and systems. The key differentiator between ShieldGold and ShieldPlatinum are the bonus incentives exclusively available to ShieldPlatinum customers, including:
|Central Air Conditioning||✓||✓||✓|
|Built-in Exhaust, Vent, and Attic Fans||✓||✓||✓|
|Interior Electrical Lines||✓||✓||✓|
|Main Breaker and Fuse Panel Box||✓||✓||✓|
|Garage Door Openers||✓||✓||✓|
|Interior Plumbing Lines and Stoppages||✓||✓||✓|
|Hot Water Heaters||✓||✓||✓|
|Faucets and Valves||✓||✓||✓|
|Whirlpool Tub Motor and Components||✓||✓||✓|
|Freestanding Ice Maker||✓||✓|
|Instant Hot/Cold Water Dispensers||✓||✓|
|Roof Leak Repairs||✓||✓|
For more information about AHS, read our full American Home Shield review.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
Select Home Warranty has slightly more expensive premiums than American Home Shield, but Select also charges an incredibly low service call fee of $60, which naturally translates into a more expensive monthly rate. American Home Shield gives its customers the freedom to choose between three service fee options of $75, $100, or $125. The higher your deductible is, the lower your monthly premium will be, and vice versa.
Both Select offer savings opportunities for new joiners, but Select’s discounts go the extra mile. Homeowners who enroll with American Home Shield will receive $50 off their premium. Select Home Warranty customers, however, will get $150 off plus two months of complimentary coverage and free roof leak protection.
|Home Warranty Policy||Monthly Premium||Service Fee|
|Home Warranty Policy||Monthly Premium||Service Fee|
|ShieldSilver||$29.27, $34.27, or $44.27||$75, $100, or $125|
|ShieldGold||$54.27, $44.27, or $39.27||$75, $100, or $125|
|ShieldPlatinum||$74.27, $64.27, or $59.27||$75, $100, or $125|
Both Select Home Warranty and American Home Shield received a B rating from the Better Business Bureau (BBB), though Select has a slightly lower average star rating from customers and isn’t accredited with the organization. We’ve featured a mix of recent positive and negative reviews left by current policyholders on public review forums for each company below.
|Select Home Warranty||American Home Shield|
|Average Star Rating||1.58/5||2.25/5|
|Number of Online Customer Reviews||1,545||10,437|
Here are a few of the recent reviews from SHW customers:
“I was out of town, and when I got back home I found out our A/C unit was not blowing cold air. I placed a claim on Wednesday night, and I got an appointment set for Friday morning. The technician was very polite and knowledgeable; he found the issue very quickly, and even though he didn’t find the part in the store close by, he promised he would find it and come back on the same day to fix it. He was good on his promise; he came back after hours with the part and replaced it, and he stayed for over 20 minutes to make sure there were no issues with the cold air.” – Pablo L., 07/21/2022
“The initial company that was assigned didn’t communicate that they were about to do the job and I waited for them over half a day when that company confirmed they were going to come to fix my AC. I had to call customer service and they helped me right away and let me call my own AC guy, who was able to the next morning. I was dissatisfied with the initial company service, but customer service was fast to help.” – Nicky A., 08/31/2020
Here are a few recent reviews from AHS customers:
“My heater broke down Sunday night. I placed a service request on Monday morning at 7:45, and the contractor service tech was at my house before lunch the same day. He was able to fix my unit by Tuesday around lunch. It is a great service that you do not get much these days, and is being appreciated.” – John D., 03/21/2022
“Response time was excellent – unfortunately, we were sent the wrong contractor, and the new one has not been dispatched yet. We have never really had a problem with AHS and have used them for years on many of our homes.” – Christine W., 01//28/2022
Among their other competitors, Select Home Warranty and American Home Shield are no doubt two of the best home warranty companies in the industry. Both providers have similar policy and pricing frameworks, though SHW offers an appliance-only and systems-only option. AHS offers systems-only coverage but no plan specifically for appliances. Select Home Warranty charges a flat service fee of $60 — one of the cheapest in the industry, but American Home Shield gives its three service fee options to choose from at sign-up.
We scored Select Home Warranty with 4.8 out of 5 stars, just slightly above the 4.7 rating we gave American Home Shield. SHW earns its positioning above AHS specifically for its affordable $60 service fee and cost-effective policies.
Select Home Warranty reserves its coverage for appliance and system breakdowns caused by normal wear and tear over time. Items covered by Select include:
Both Select Home Warranty and American Home Shield have 30-day waiting periods. After signing up for a service contract with either home warranty provider, you’ll be required to wait 30 days before you can file your first service request.
✓ New joiners will receive $150 off plus two months of bonus coverage, and complimentary roof leak coverage
✓ Doesn’t charge a contract transfer fee
✓ All customers are entitled to a 30-day money-back guarantee
✓ Offers one of the lowest service fees in the industry
X Charges a $75 cancellation fee
X Lower coverage caps than competing providers
At House Method, 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:
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