Home Warranty of America

Home Warranty of America Reviews

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Written by Ben Strauss
+1 more
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Edited by Cassidy McCants
$48.33 to $60.84
Monthly premium cost
50 states
Availability
$75-$100
Service fee

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About Home Warranty of America

Home Warranty of America offers warranty plans that protect you from the high cost of unexpected repair bills. The company provides repairs from its network of qualified service technicians. You can choose from one of Home Warranty of America’s two plans that cover more than 20 systems and appliances to find a solution that works best for you.

Pros
  • High coverage limits
  • Nationwide coverage
  • Energy Star appliance upgrades
Cons
  • Wait times for scheduling
  • Some reviewers were unhappy with customer service

Featured Reviews

Lubbock, TX
Verified purchase
Claim made 6/25/2023 about Central A/C not cooling. … 1st tech did nothing so I called and claim was reassigned & 2nd tech was a no show. No expediting the 3rd claim and still wai...

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West Bloomfield, MI
Verified purchase
Home Warranty of America recently got purchased, so the whole process has changed and has become very difficult to manage. … I'm very frustrated with their process and their servi...

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Home Warranty of America coverage

Home Warranty of America has multiple coverage options, so you can choose what best suits your needs. The company offers warranties in all 50 states and has a network of service professionals. For existing homeowners, Home Warranty of America offers two levels of coverage:

  • Premier: The Premier Plan is the most affordable plan for existing homeowners. It covers more than 20 major household systems and appliances, and you can add coverage for individual items such as well pumps, stand-alone refrigerators and more.
  • Premier Plus: The Premier Plus Plan covers all major systems and appliances, including air conditioning (which isn’t covered by Premier).

Both of these plans have 13-month warranty periods. You can also add GreenPlus, which qualifies you to replace old appliances with energy-efficient models, and OrangePlus, which covers additional components and services, including water softeners and re-keying services.

Home Warranty of America also has home warranty plans for those buying or selling a home. Under these plans, coverage options may vary by state. The company offers 13-month coverage contracts in its Gold, Platinum and Diamond Plans with optional sellers’ and buyers’ coverages. These plans can only be purchased by a real estate agent.

» RELATED: Do I have a home warranty?

Home Warranty of America Plans

The Premier and Premier Plus Plan provide protection for the following items:

Optional add-on coverage is available at an extra cost for the following items:

  • Limited roof leak repair
  • Pool/spa combo
  • Saltwater pool (includes pool/spa combo)
  • Well pump
  • Septic tank pumping
  • Second refrigerator
  • Stand-alone freezer
  • SEER/R-410A modifications
  • Septic system
  • Sprinkler system

Home Warranty of America cost

The cost of Home Warranty of America’s plans vary based on your location and the trade call service fee option you choose ($75 or $100) as well as any add-on protections. We requested a quote for a less than 5,000 square foot home in Houston, Texas, and received the following prices for each plan:

  • Premier Plan: $48.33 per month
  • Premier Plus Plan: $60.84 per month

We also received the following prices for optional add-on coverage:

For a home in Houston, Texas, at the time of publishing. Price may vary by location.

Home Warranty of America provides 13-month terms — most other home warranty companies only have 12-month contracts. The higher of its two service call fee options is on the pricier side at $100, but it's not out of the average range for the industry, which is $60 to $125.

Home Warranty of America coverage exclusions

In some instances, there are parts of otherwise covered items that will be excluded from coverage. It’s important to read your contract to fully understand what coverage for each item truly entails.

Home Warranty of America does specify some coverage exclusions, which is typical for all home warranty service plans. Often, parts that are not essential to the item performing its core function may be excluded. For example, dishwashers are covered by both of HWA’s plans, but racks, baskets, rollers and door seals are not covered. Similarly, the electrical system coverage won’t cover items like fixtures.

You can find a full list of exclusions in Home Warranty of America's sample contract.

Home Warranty of America claims and coverage limits

Claims can be submitted online or through the company’s toll-free number 24/7, including holidays. Emergency services can be rushed at HWA’s discretion. Someone over the age of 18 must be present in the home during the repair.

To request service from Home Warranty of America:

  1. Submit a claim online or over the phone as soon as an issue is discovered.
  2. HWA will contact an authorized technician within 48 hours to schedule your requested repair.
  3. Pay the service call fee ($75 or $100, depending on your plan).

Should the repair fail or the same issue reoccur within the service recall period, HWA will send a technician to complete new repairs without charging you a service fee or any additional costs.

Coverage limits

Home Warranty of America’s coverage limits per term are no more than $5,000 per covered item or $15,000 total per contract term. None of its plans cover preexisting conditions, which is standard in the industry.

Specific coverage limits and maximum payouts depend on the appliance or system in need of repair or replacement — these are outlined in the chart below.

Home Warranty of America FAQ

What is Home Warranty of America?

Home Warranty of America is a home warranty company that offers both buyers and sellers coverage. It is available nationwide.

How does Home Warranty of America work?

Customers choose the coverage plan and add-ons they would like before entering a contract with Home Warranty of America. They can then file a claim when they need service performed on any of the covered items in their home.

Is Home Warranty of America legit?

Home Warranty of America has several aspects that stand out and make it a good option for homeowners looking for system and appliance coverage.

The company’s Premier and Premier Plus plans offer substantial coverage for homeowners, and you can opt for affordable add-ons that increases the value of your contract.

​​» MORE: Is a home warranty worth it?

Where is Home Warranty of America available?

Home Warranty of America is available in all 50 states and Washington, D.C.

Does Home Warranty of America require a home inspection?

No inspection is required, and the company states you will not be denied coverage based on the age of your home, systems or appliances.

What is Home Warranty of America’s cancellation policy?

You can cancel your contract at any time, but you need to cancel within 30 days to receive a full refund. If you cancel after 30 days, you’ll need to pay a cancellation fee of $30 or 10% of the contract fee, whichever is less. Overall, we’ve seen far higher cancellation fees among other companies.

What is Home Warranty of America’s premium coverage option?

Premium coverage expands your standard coverage to include protection for equipment and parts that aren’t standard to home warranty contracts, including fixtures and accessories like showerheads or dishwasher racks. The plan covers more than 30 items.

How do you renew your coverage with Home Warranty of America?

You can renew your warranty online. Login to your account, select the coverage you want and renew.

Does Home Warranty of America cover old appliances?

Yes, Home Warranty of America covers old appliances. There are no age restrictions on appliances. There are also no required inspections. The only requirement is that your appliances are working and functional at the time of purchase.

How does Home Warranty of America compare?

Home Warranty of America Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceCoverageTechRefunds & Payouts

    Reviewed Jan. 31, 2025

    This company makes big promises, but unfortunately, most of what they state is extremely overstated. Absolutely lies. I have used them numerous times. Most of the time the technicians were fine, but they only repaired just enough to make it work temporarily. They never fixed the actual problem completely. They claim that If something cannot be repaired like a major appliance that they will replace it. Well, let me tell you what that really looked like. My dishwasher went bad so I called them and I had the technician come out and fix it. $100 for the service charge. It was fixed temporarily and broke again. I had to pay another hundred dollars to have another technician come out to tell me that it could not be repaired and it would have to be replaced.

    The company sent me a letter stating that they would give me $250 for the new dishwasher. They offered me a Lowe's credit card for $250.00. When I checked Lowe’s website, the cheapest Dishwasher was $500 plus tax. I called them back and told them that, and they told me that they can get it for $250 but they refuse to tell me where. They said that they didn’t have to disclose that information and that $250 was all that they would give me. I asked if they would pay for installation and they said no. So essentially, I paid $200 to have it repaired plus I had to pay almost $600 for a new dishwasher plus $150 for installation. For a total of $950.00.

    It has been two months and I still have not received my check for $250.00 Despite I am out of pocket over $700.00. I told them I wanted to cancel my policy. They told me if I do that I won’t get my check despite the fact that I was covered when i The unit broke. So they will be collecting another $160 from me over the two months that it took for me to get my check. So ultimately, I will be out of pocket $860 on something they assured me they would pay for fully. Do not under any circumstances use this company. They are thieves!!!

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    Customer ServiceTechPrice

    Reviewed Jan. 30, 2025

    The monthly cost seems reasonable until something breaks and cannot be repaired. After paying the $75-125 service call and the technician cannot make the repair and advises replacement, good luck getting the dollars needed to do so. My built-in microwave went out and needed replacement. They first offered me $191 for a microwave that costed over $500 more than 15 years ago. The replacement cost of an equivalent model ranges between $750-2500, with the closest model around $850. I appealed, and they only offered me a little more ($249). After spending over $100/month for 10 years, that's a lot of money not to get what is in the policy. They point to fine print that the replacement cost is what they would pay for the replacement. I'm still battling this one, but I will cancel after this is resolved.

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      Customer ServiceCoverageTechPunctuality & Speed

      Reviewed Jan. 28, 2025

      I would have give negative star if I can - submitted claimed on 11/10/2024 for heating system issue, paid service fee and told plumbing is required, assigned contract kept reschedule appointment including no show. Called customer service MANY TIMES and was not able to get anything done in short

      until 12/01/2024, still no plumber came and my husband googled and replaced the parts per web media. IT WAS A HEATING PROBLEM. Called and cancelled the policy and they still charged cancellation and pro rated fee which is ridiculous when there no service provided but aggravation.

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      Customer ServiceClaims HandlingTechPricePunctuality & Speed

      Reviewed Jan. 27, 2025

      My water heater went out late December and still isn’t fixed, no contractor assigned, it is the 27th of January. Customer service reps and resolutions rep not knowledgeable about procedures, but speak as if they have so many facts. Will assign your claim to anyone then no one shows up, recently raised its price but the service has gone downhill. This will be my last month with them.

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      Customer ServicePriceRefunds & Payouts

      Reviewed Jan. 23, 2025

      This company was good around 10 years ago but ever since the new owners bought it out, they are absolutely terrible. Stay as far away as possible. They do not like to approve expensive repairs. When our built in microwave broke, instead of repairing it, they simply issued us a check for about HALF the cost of the replacement and installation and said that was all they could do. Terrible. Also, expect a lot of spam emails and calls around renewal time. They are relentless in getting a person to join but once you do, they give you less than satisfactory service.

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      Customer ServiceClaims HandlingCoverageTechPrice

      Reviewed Jan. 23, 2025

      In 2018, HWA had a furnace installed in my home by an HVAC company they contracted with. This led to major issues requiring expensive repairs. Despite paying deductibles for years to address these issues, I reported the problem again in 2024. An HVAC technician, contracted through HWA, determined that the furnace was improperly installed and needed to be replaced.

      When I submitted the claim, HWA informed me that my policy would not cover the repairs because the company had changed ownership. All prior claims repaired by HWA were voided, despite the name remaining the same. I was not notified of this change, which is unacceptable. I was advised to write to the corporate office after speaking with Andrea M. When she received a reply back from the HVAC tech, the repair was estimated to cost $5000. My claim was rejected, offering me only a goodwill gesture of $600, despite paying for the service for 8 years. After checking on my letter, I was told on 1/7/25 that a letter to the corporate office is only for feedback. This company is a joke. I still have not received a reply from the corporate office, so I am left with no heat and no resolution.

      I have all receipts for every repair and submitted them to HWA, but they claimed to have no record. It feels like I was just giving my money away. HWA leaves me no option but to take the $600. Why have a corporate office if it's only for feedback? If the corporate office is reading this review, you should be ashamed of yourself! While Andrea is living in Florida, I am having to run heaters in single-digit weather.

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      CoverageTechPrice

      Reviewed Jan. 10, 2025

      Unethical and shady service. HWA only wanted to pay technician a flat rate which was too low for him to even break even. So they had him write more into the "modifications" section which is non covered by HWA and put the cost on me.

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      Customer ServiceTechSales & MarketingRefunds & Payouts

      Reviewed Jan. 7, 2025

      I have a plumbing leak in my upstairs bathroom. I am still waiting for them to find a plumber to to send over. It’s been 13 DAYS! Why would they take people's money if they don’t have a plumber to send them. A plumber company should be given within a day or two. It’s been almost two weeks. They can’t find one in my area. Mind you I’m in New York. It’s shameful, when I called and asked for a refund. They said they don’t give refunds, but yet they don’t have contractors in this area to service me. A complete waste of my money and time. This is what I call a scam!

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      Customer ServiceCoveragePunctuality & SpeedRefunds & Payouts

      Reviewed Jan. 2, 2025

      Useless warranty and employees. When I asked to speak to a supervisor the call taker hung up on me!! They did not want to cover my water heater because I didn't wait the amount for time they wanted me to wait. My kitchen flooded because my water heater broke and we have no water since Friday night. Not until Saturday afternoon they gave me an appointment for 5 days later. How am I supposed to wait 5 days being waterless with 4 people in the house on Christmas week. When I called the company to get a sooner date they told me either way they would not fix the water heater until it gets approved by Home warranty and that takes 36-42 hours. I was not going to wait about a week and half this was an emergency!! And now that I have to have someone fix it on my end they will not reimburse me. Worst customer service and will for sure never recommend them.

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      Customer ServiceTech

      Reviewed Dec. 12, 2024

      I purchased a 3 year warranty (PAID IN FULL) & EVERY experience with the customer reps have heavy accents and I can barely understand them. EVERY technician I’ve dealt with had HORRIBLE customer service or did absolutely NOTHING when arriving at my home! HOME WARRANTY OF AMERICA NEED TO FUNCTION AT A HIGHER VIBRATION! There is NO ACCOUNTABILITY, you must fight to be treated fairly and hope they do right! The PRESIDENT & CEO NEEDS FIRED!

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        Home Warranty of America Company Information

        Company Name:
        Home Warranty of America
        Website:
        www.hwahomewarranty.com

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