Home Warranty Inc Reviews
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About Home Warranty Inc
Home Warranty Inc. is a home warranty company that serves all of the United States except California, Oregon, Washington, Arizona and New York. This company has a $100 deductible on most plans, and you can choose an in-house or local technician. Home Warranty Inc. also provides 24/7 live claim support and four-hour response times if the request isn’t answered immediately.
- Covers systems and appliances regardless of age or model
- No limit on the number of claims
- Covers parts and labor
- No yearly payment options on the website
- Coverage caps on systems and appliances
- Only covers single-family residential-use property
Home Warranty Inc. coverage and plans
Home Warranty Inc. offers four different home warranty plans. Customers can choose from the Appliance Protection Plan, the Supplemental Home Protection Plan, the Buyer Core Home Protection Plan and the Executive Home Protection Plan.
The company also provides extra coverage with SurgeShield Plus for $144 per contract, SurgeShield for $84 per contract, and Enhanced HVAC Plus for $100 per contract. Coverage starts on the application date.
Home Warranty Inc. also offers a 30-day warranty on work performed. This means that if an appliance or system fails within 30 days of repair, you will not be charged a second deductible for the same service call.
Plan details
Home Warranty Inc. covers appliances and systems regardless of age, make or model. Each plan covers heating and cooling units, washers and dryers, garage door openers and trash compactors.
The company also provides you with a “replacement allowance” equal to the cost you spent on an appliance for replacing an item if a technician can’t repair or replace it. This replacement allowance is a credit that can be used to purchase new parts or appliances.
| Appliance Protection Plan | Supplemental Home Protection Plan | Buyer Core Home Protection Plan | Executive Home Protection Plan | |
|---|---|---|---|---|
| Heating and cooling units | Yes | Yes | Yes | Yes |
| Air exchanger | No | Yes | Yes | Yes |
| Air-to-air heat pump | Yes | No | No | No |
| Annual furnace inspection | Yes | No | No | No |
| Ductwork | No | No | Yes | Yes |
| Water heater | Yes | Yes | Yes | Yes |
| Interior plumbing | No | No | Yes | Yes |
| Plumbing stoppages | No | No | Yes | Yes |
| Interior electrical wiring | No | No | Yes | Yes |
| Sump pump | No | No | Yes | Yes |
| Garbage disposal | No | Yes | Yes | Yes |
| Central vacuum | No | Yes | Yes | Yes |
| Garage door opener | No | Yes | Yes | Yes |
| Trash compactor | Yes | Yes | Yes | Yes |
| Built-in or over-the-range microwave | Yes | Yes | Yes | Yes |
| Kitchen refrigerator with ice maker | Yes | Yes | Yes | Yes |
| Dishwasher | Yes | Yes | Yes | Yes |
| Range/oven/cooktop stove | Yes | Yes | Yes | Yes |
| Clothes washer | Yes | Yes | Yes | Yes |
| Clothes dryer | Yes | Yes | Yes | Yes |
| SurgeShield Plus (appliances and electronics) | No | No | No | Yes |
| Buyer Premium Upgrade | No | No | No | Yes |
| Enhanced HVAC Plus | No | No | No | Yes |
| Water softener | Yes | No | No | Yes |
| Jetted bathtub | No | No | No | Yes |
| Exterior water and gas lines | No | No | No | Yes |
| Lawn sprinkler system | No | No | No | Yes |
| Gas fireplace | No | No | No | Yes |
| Wine refrigerator/beverage cooler | No | No | No | Yes |
| Undetectable pre-existing conditions | No | No | Yes | Yes |
| Stand-alone freezer | Yes | No | No | No |
Add-on coverage
Like most home warranty companies, Home Warranty Inc. offers add-on coverage for various appliances and systems. This company also provides the SurgeShield and SurgeShield Plus Plan, which covers appliances and electronics. The cost of each additional item is added to the contract.
| Appliance or system | Price |
|---|---|
| Water softener | $50/per item per contract |
| Jetted bathtub | $60/per item per contract |
| Septic system pumping/septic tank and pump | $75/per item per contract |
| Limited roof leak repair | $100/per item per contract |
| Limited slab leak repair | $100/per item per contract |
| Pool or spa | $200/per item per contract |
| SurgeShield | $84/per contract |
| SurgeShield Plus | $144/per contract |
| Well pump | $95/per item per contract |
| Enhanced HVAC Plus | $100/per contract |
| Exterior water and gas lines | $120/per item per contract |
| Lawn sprinkler system | $40/per item per contract |
| Gas fireplace | $40/per item per contract |
| Wine refrigerator and beverage cooler | $40/per item per contract |
What does Home Warranty Inc. not cover?
Home Warranty Inc., like most home warranty companies, has many limitations and exclusions. This company only covers repairs and replacements caused by normal wear and tear and excludes damages caused by misuse.
Here are some other items Home Warranty Inc. doesn’t cover in its contract:
- Conditions resulting from neglect
- Acts of god
- Damage from abuse
- Pet or pest damage
- Lack of adequate power or water supply
- Power failures or surges
- Removal or disposal
- Appliances or systems under a manufacturer's warranty
- Cosmetic repairs
- Corrosion and rust
- Routine maintenance
- Mold, mildew, fungus and rot
- Expendable items such as light bulbs and filters
- Consequential damage
- Food spoilage
- Venting, knobs and dials
- Structural defects
- Portable spas
- Inaccessible systems and appliances
- Well casings
- Pressure or storage tanks
- Bathtub shell or liner
- Stand-alone ice makers
- Failure caused by foreign objects
Home Warranty Inc. coverage caps
Home Warranty Inc. has coverage caps, meaning that the company will pay up to a certain amount on parts and repairs, and then you are responsible for the rest. This company's coverage caps vary by plan. The core plans have lower limits than the Executive plans, but the Appliance Protection Plan and the Supplemental Home Protection Plan have the same coverage caps.
| Covered item | Cap |
|---|---|
| Water heaters | $1,000 |
| Refrigerators | $1,000 |
| Pools and spas | $500 |
| Well pumps | $500 |
| Water softeners | $400 |
| Ice makers | $200 |
| Furnaces | $1,500 |
| Air conditioners | $2,000 |
| Heat pumps | $2,000 |
| Boiler, steam and hot water heat systems | $2,000 |
| Interior plumbing | $350-$500 |
| Plumbing stoppages | $100-$300 |
| Interior electrical wiring | $250-$500 |
| Sump pumps | $250-$300 |
| Garbage disposals | $250 |
| Central vacuums | $200-$250 |
| Garage door openers | $275-$350 |
| Trash compactors | $200-$250 |
| Built-in microwaves | $250-$400 |
| Dishwashers | $400-$600 |
| Oven/range/cooktop/stove | $500-$700 |
| Washer | $500-$700 |
| Dryer | $500-$700 |
Home Warranty Inc. cost
Home Warranty Inc. offers four plans with monthly and yearly pricing. For annual pricing, you must contact a service representative. Each plan, except the Appliance Protection Plan, has a $100 deductible for every service call, and you can expect to pay $5 to $76 a month at the time of publishing.
The ConsumerAffairs Research Team received a quote for $5 to $14 per month per covered appliance for the Appliance Protection Plan, $30 per month for the Supplemental Home Protection Plan, $52 per month for the Buyer Core Home Protection Plan, and $76 per month for the Executive Home Protection Plan.
Home Warranty Inc. monthly pricing
| Appliance Protection Plan | Supplemental Home Protection Plan | Buyer Core Home Protection Plan | Executive Home Protection Plan | |
|---|---|---|---|---|
| $100 service fee | $5 to $14/month per covered item | $30/month | $52/month | $76/month |
Discounts
Home Warranty Inc. doesn't offer many discounts. However, it does provide active military and veterans a $25 credit toward the Home Protection Plan.
Compare with competitors
| Company | Customer rating | Starting cost | Service fee | |
|---|---|---|---|---|
| 1.0 | $5-$14 per appliance/month | $100 | Learn more |
 | 3.8 | $29.99 | $100 or $125 | View Plan |
 | 4.0 | $46.83 | $85 | View Plan |
 | 3.1 | $49.99 | $55 | Get a Quote |
Home Warranty Inc.’s cancellation policy
Home Warranty Inc.’s cancellation policy and refunds vary by state. Usually, though, you must email a written cancellation request to info@homewarrantyinc.com to cancel your contract.
If you cancel your contract within 30 days of purchase and no claims have been filed, this company will provide a full agreement price refund with no cancellation fee. If a claim has been filed, you will receive a prorated refund of your unused term minus cancellation fees and claims costs.
FAQ
Where is Home Warranty Inc. available?
Home Warranty Inc. is a home warranty company that serves all of the United States except California, Oregon, Washington, Arizona and New York.
Is Home Warranty Inc. legit?
Home Warranty Inc. is a legitimate home warranty company based in Rock Rapids, Iowa.
How do I file a claim with Home Warranty Inc.?
To file a claim, click the “Request Repair” tab on the company website and fill out the form or call 877-977-4949.
Home Warranty Inc Reviews
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- 4,644,750 reviews on ConsumerAffairs are verified.
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- Our moderators read all reviews to verify quality and helpfulness.
Reviewed Feb. 15, 2025
Read these reviews and believe them. I have owned 3 properties in my lifetime and had three different home warranties. The previous two were great - they provided great coverage and great service and we kept renewing coverage on each of them. This coverage was provided by the seller of the last house we bought and we renewed it. Big MISTAKE. Our first coverage was for a 22+ year garage door opener and we had to get our own service provider who said it should not be repaired and needed to be replaced. Home Warranty INC refused to provide for replacement and only paid a fraction of the cost of replacement.
Next we needed AC service and the company assigned to us declined the service call so we found a local contractor familiar with our property. The contractor said that our 35 year old AC unit was obsolete and unrepairable. We fought with Home Warranty INC and finally got coverage for $1000 - we all know that doesn't come close to covering an AC system. We had to have the contractor rewrite his invoice to satisfy the wording wanted by Home Warranty Inc, Next our boiler heat would not shut off and continued to heat so I called Home Warranty Inc and got approval to call the local contractor that was familiar with the unit. The contractor spent 3 hours troubleshooting the system and finally had to call tech support and disconnect the wiring to the unit and reconnect it to reset it.
Called the Home Warranty Inc representative who spoke to the contractor and approved the service call and amount and instructed me to submit the invoice when I receive it and it would be handled. When I submitted the invoice Home Warranty Inc refused to pay for the labor and 3 hour service call because "no parts were replaced". Please look elsewhere homeowners and realtors. I have kept my Realtor and her Broker informed
Reviewed Jan. 24, 2025
Recently bought a house hot water heater I knew was old but it all passed according to their approved inspectors, 2 months later it fails and they refuse to cover because of it being too old. Waste of time and money.
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Reviewed Dec. 16, 2024
We bought a home and had the home warranty. I called a claim in about our shower. They sent out a text of their own in the area which was only one. The guy never followed through. I had to play phone tag with this company over and over for weeks. When finally they gave me the choice to pick my own plumber. The plumber came out we made the phone call with both of us here and he went over what needed to be done with the shower. The agent told me he would call me back after he talked to someone in the area. Within 5 minutes he called back and said they would not cover the claim. I told him it tore up first or second time we used the shower. We had home inspection before purchasing home. Do not waste your money on this company! It's just a scam. They do not provide the service they say they do. Just absolutely ridiculous!
Reviewed Oct. 14, 2024
I pay for the enhanced HVAC. Multiple calls with the $100 service fee. When they tell them the problems I'm am always hit with, "We don't cover that. We don't cover that." I HAVE BEEN WITHOUT AC IN WEST TEXAS FOR 6 MONTHS STARTING IN BEGINNING OF SUMMER TO NOW and every time have been told no to them fixing it. It's ridiculous and a scam. I also have plumbing problems and they denied that as well. Good luck if you use this company because even getting the most coverage plan it still covers nothing.
Reviewed Aug. 19, 2024
Home warranty Inc is a sham. They say they cover toilets and had me get a plumber that they wanted me to pay $100 for so I could submit a claim. The toilets needed new innards and the plumbing tubes so, after I gave them all the information they said they don't cover those parts and I said, "But that's all the plumbing to a toilet" and they said they cover the toilet but not those parts and I said, "That's all that is left is the actual physical toilet and that is not plumbing and it is plumbing that was covered" and they said, "That's right." This was after they referred me to the only plumber on their list in my area. After I called said they no longer do business with home warranty Inc and that I would get refunded when I have the work done. What a sham.
Next I needed my water heater fixed because all the parts were going but because they said there was a water stain on the basement floor which was very old and before I moved in that it is not covered and that voids any other issues that could have caused them. What a shame! I have no idea how they are still in business but please don't give home warranty Inc one cent.
Home Warranty Inc Company Information
- Company Name:
- Home Warranty Inc
- Address:
- Iowa
- City:
- Iowa City
- State/Province:
- IA
- Postal Code:
- 52240
- Country:
- United States
- Website:
- www.homewarrantyinc.com
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