Home > Home Warranty > Select Home Warranty vs. American Home Shield (2023)

Select Home Warranty vs. American Home Shield (2023)

Updated Jan 10, 2023

Updated Jan 10, 2023

Home > Home Warranty > Select Home Warranty vs. American Home Shield (2023)

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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.

Our Take

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 WashingtonNevadaWyoming, or New Mexico.

Why Trust House Method

  • 63 companies reviewed
  • 41 key factors analyzed
  • 2,583 data points parsed
  • 885 homeowners surveyed
  • 57 service contracts scrutinized

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.

Compare Select Home Warranty vs. American Home Shield

 Select Home WarrantyAmerican Home Shield
Our Rating9.59.6
WebsiteVisit SiteVisit Site
Plan OptionsBronze Care Plan

Gold Care Plan

Platinum Care Plan


Monthly PremiumBronze 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
AvailabilityNot available in WA, NV, WY, NMNot available in Alaska
BBB RatingBB
Years in Business1051

Select Home Warranty vs. American Home Shield Coverage

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 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, 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.

Most Cost-Effective
Select Home Warranty
  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60
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:

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

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 Coverage and Plans

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:

  • Unlimited refrigerant
  • One free pre-season HVAC tune-up
  • $6,000 annual coverage limit per appliance
  • $1,500 in roof leak repairs
  • $1,000 for code violations, permits, and modifications
Most Customizable
American Home Shield
  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month
Covered ItemShieldSilverShieldGoldShieldPlatinum
Central Air Conditioning
Built-in Exhaust, Vent, and Attic Fans
Ceiling 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
Built-in Microwaves
Garbage Disposal
Instant Hot/Cold Water Dispensers
Clothes Washer
Clothes Dryer
Roof Leak Repairs

American Home Shield Optional Add-ons Available for Coverage:

  • Pool and Spa
  • Roof Leak Repairs
  • Guest Unit (for dwellings up to 750 square feet)
  • Septic Pump
  • Well Pump
  • Electronics Protection Plan (covers an unlimited number of devices like TVs, smart home products, laptops, gaming systems, and more)

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 vs. American Home Shield Cost

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.

Select Home Warranty

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

American Home Shield

Home Warranty PolicyMonthly PremiumService 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

Select Home Warranty vs. American Home Shield Reviews

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.

Home Warranty Customer Reviews Comparison

Select Home WarrantyAmerican Home Shield
BBB RatingBB
Average Star Rating1.58/52.25/5
Number of Online Customer Reviews1,54510,437
BBB AccreditationNoYes

Select Home Warranty Customer Reviews

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

American Home Shield Customer Reviews

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

Final Thoughts

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.

  • A Select Home Warranty policy might be right for you if:
    • You’re on a tighter budget and are looking to maximize your access to exclusive discounts and seasonal savings opportunities
    • You are prioritizing coverage specifically for your home’s appliances
    • You don’t live in WA, NV, WY, or NM
  • An American Home Shield policy might be right for you if:
    • You interested in an electronic protection plan or unique coverage add-ons for guest units
    • You are prioritizing coverage specifically for your home’s systems and would benefit from an unlimited annual payout allowance for all covered systems
    • You don’t live in Alaska

FAQs about Home Warranties

Is Select Home Warranty better than American Home Shield?

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.

What does Select Home Warranty cover?

Select Home Warranty reserves its coverage for appliance and system breakdowns caused by normal wear and tear over time. Items covered by Select include:

Appliances Systems Add-on Coverage
  • Refrigerators
  • Stove/oven/cooktop
  • Built-in microwaves
  • Garbage disposal
  • Dishwasher
  • Clothes washer
  • Clothes dryer
  • HVAC
  • Ductwork
  • Plumbing
  • Electrical
  • Water heaters


  • Pools and spas
  • Septic systems
  • Sprinkler systems
  • Stand-alone freezer
  • Central vacuum
  • Well pumps
  • Sump pumps
  • Roof leaks

What is the waiting period for Select Home Warranty and American Home Shield?

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.

What are the pros and cons of Select Home Warranty?


✓ 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

House Method Home Warranty Ranking Methodology

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:

  • 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.

More Home Warranty Resources