Home Warranty of America Reviews

For example, in June of this year, my garage door stopped opening. I called HWA, and they sent a repair tech a week later. This vendor tried to force me to pay for additional maintenance work (not through HWA) before doing the repair he was actually sent for. Vendor stated the company "would not repair my garage door unless I also did the additional maintenance" at a cost of almost $400 out of my own pocket. I ended up agreeing to it and made a future appt for the maintenance, then I cancelled it after the repair was done. I reported it to HWA, and nothing was done about it. I'm sure this vendor will keep going to other customer's homes and pressuring them to spend more money.

Then on July 20th, several of my electrical outlets all stopped working at once. I called HWA. They finally sent a tech on 7/28. This technician fixed all but 1 outlet, then stated, "if you want the job done, you'll have to call HWA and ask for another claim ticket (so he could get paid for a 2nd job) or fix it yourself," and he left. Leaving a hole in my kitchen, with wires hanging out.

I immediately called HWA to report what happened and asked them to reach out to their technician and have him come back to finish the job. They refused to do so and instead said they would give him a day or two to get back to them. I called to follow up on 7/29 and they still hadn't even tried talking with the tech directly and I'm still asking for the repair to be completed. I called again on 7/30, and after much arguing back and forth, they told me the tech was coming to finish the job the next day, 7/31 between 3-8 pm.

I changed my schedule and stayed home from work, only for this tech to not show up. I texted the tech directly around 4 pm and he wrote back that he never planned on coming that day and that he was going to tell HWA that "my husband agreed to do the repair," which is not even close to true. I had that in my texts and reported that to HWA when I called them back on 7/31. At that point, the HWA rep stated they never told me the tech was coming back on 7/31 - except I have the email HWA sent me confirming this appt. I asked to speak to a manager and was told I would be emailed a link to schedule a call with a manager and was reassured I'd be able to make that appt for that same day or the following day. I received the link but the first available slot for a call with a manager was not for another 4 days!

I ended up paying an electrician almost $200 for him to finish the job bc I was nervous as this was a safety issue (a hole in my wall with wires sticking out approx 2 feet from my sink). The manager who called me 4 days later had ZERO idea about my claim or any of the issues I had run into or why I wanted to talk to a manager. She didn't even bother looking through everything before calling me. I filled her in on my experience with the electrician (and again mentioned the garage repair guy) and questioned why they would send such unprofessional and rude technicians to customers' homes. She immediately got worked up and stated, "We can't control what the technicians do when they get to your house. They are not vetted through our company."

THIS took me by surprise and upset me. At that point, I told the manager that was the worst possible answer she could have given and that, at that point, as a single woman living alone, I did not feel safe with any future techs they would send to my house. There is no way I would have willingly put myself in that position. The manager then tried to take it back, but it was too late. In addition to that exchange, the manager also denied a reimbursement for what I had to pay the outside electrician to finish the job over $25. SO the max they would reimburse me would be $25. I decided then and there that I would be cancelling my policy.

Then my AC stopped working. This was in August when temps were 95+ degrees, with a heat index of 105+ degrees. I called to report it on 8/10. HWA sent an email that a technician would come to my house on 8/18 - 8 days later. I called the vendor directly and asked if there was any way to come sooner; they told me no, but they'd add me to the cancellation list. I still hadn't heard anything on 8/13 so I called HWA again and explained the temp inside my house was almost 90 degrees and it was a dangerous situation. At that point, the rep said to go ahead and bring in my own repair company, and HWA would approve the repair while they were here. I managed to get a vendor out on 8/15.

He had to send a diagnostic report and photos for them to document and approve. He hit send, and not even 30 seconds later, he received a message stating the repair was denied. At that point, I already owed him money for the diagnostic, and I needed to get the AC working, so I paid almost $600 for the repair out of my own pocket. I called HWA while the repair was taking place to question why it had been denied after they said to bring someone and was told "The photos that were sent showed the unit was dirty. Due to that, the repair will not be covered." SO it was denied because the unit looked dirty - the unit that is located outside in the elements was not sparkling clean.

That's when I told them to please cancel my account. That between them sending vendors they knew nothing about, their horrible customer service and follow-through, and their constantly trying to not cover claims, I was done. I told them I will happily handle my own repairs from now on and just want a refund for the year left on my policy, which I had paid up front.

They transferred me to another person who then gave me 3 different reasons why they WOULD NOT be issuing a refund. None of those reasons actually made any sense, and none were valid. However, the rep stated that my account was now closed, and I would not be getting my refund, then hung up. I tried to log in to the portal to send a message and saw that he had also locked me out of my online account. So I had no access to anything. I called back several times only to be placed on hold forever each time, with no one coming back on. I've filed complaints against HWA and am trying to get help with my refund through my state's AG office, but not sure how that will turn out. I'm not the only one with this story either. This is how they do business and just rip people off. Save yourself the hassle and keep your money!

I called HWA again on August 07, 2026, as the problem has still not been solved. The next visit was scheduled after 10 days and again there was no update either from HWA or the contractor. The contractor who visited the second time around ended up blaming himself and his fellow technician for over-filling gas in the AC as the cause of the lack of cooling. This circus continues between the technician and HWA where the policyholder is just being taken for a ride. Every time you file a service request, HWA immediately charges you for the service call and sends an email to rate their service, without fixing the actual issue. My advice will be to work with a local contractor or a handyman for a timely and guaranteed fix and peace of mind.

When I requested a copy of the contractor’s diagnosis/report, I could not get it. That is a major concern. If a customer pays for a home warranty and a contractor is sent to diagnose an appliance, the customer should be able to receive clear documentation showing what was found, what failed, and what is being recommended.

I should not have to spend thousands of dollars replacing a water heater based on someone’s verbal promise that I will be reimbursed later. I expected Home Warranty of America to protect me and help make the claims process easier—not leave me chasing contractors for documentation and wondering whether I will actually be reimbursed. Until this issue is resolved and I receive the written diagnosis and clear written authorization regarding replacement and reimbursement, I cannot recommend Home Warranty of America.

On August 19, 2026, HWA denied my pool claim and wrote: “It has been determined that the salt cell has failed and must be replaced. Salt cell assemblies are not covered under this user agreement.” There is a MAJOR problem with that statement. I pulled out my actual HWA contract. Under VI. OPTIONAL COVERAGE — B. SALT WATER POOL EQUIPMENT, my contract states: “INCLUDED: Circuit Board and Salt Cell”. And directly underneath that it states: “EXCLUDED: Salt”. Read that again. INCLUDED: Circuit Board and Salt Cell. EXCLUDED: Salt. Yet HWA sent me a denial letter stating: “Salt cell assemblies are not covered under this user agreement.”

My Coverage Letter also shows that I purchased Pool/Spa Combo optional coverage. So I am formally appealing and asking HWA a very simple question: How can you tell a customer that a salt cell isn’t covered when the customer’s contract specifically says “INCLUDED: Circuit Board and Salt Cell”? But that’s only PART of this denial. HWA also denied the issue involving my pool pump.

Their letter states: “Additionally, the pump is being supported by an unlevel rock. This is causing poor operation and malfunction.” Except there’s another major problem: THE SERVICE PROVIDER TEMPORARILY PLACED THE ROCK THERE WHILE ASSESSING THE ALREADY-MALFUNCTIONING EQUIPMENT. The pump was already having problems. That is WHY the claim was filed. That is WHY the service provider was at my home. The rock was temporarily placed there during the service assessment as a safety measure involving the water and electrical/motor components.

Now HWA is citing that temporary placement as a reason the pump is malfunctioning. How can something temporarily placed there after the problem already existed be the cause of the original problem? And here’s where it gets even more unbelievable. HWA’s denial then says: “This is a normal wear and tear failure.”

My HWA contract defines a “Breakdown” of an included component in terms of a mechanical or electrical failure caused by normal wear and tear. And the Pool/Spa coverage states that coverage applies to above-ground components and parts of the heating, pumping and filtration system. So HWA’s own letter calls this a “normal wear and tear failure” while quoting contract language concerning mechanical or electrical failures caused by normal wear and tear.

I have now filed a formal appeal. And HWA doesn’t have to take only my word regarding the rock. Their assigned pool service provider is willing to speak directly with HWA and clarify that the rock was temporarily placed there during the assessment. The service provider contacted me after the denial and told me that if HWA needs clarification, HWA can call them directly. This is why I strongly encourage anyone considering a home warranty to:

Save your contract. Read the actual “included” and “excluded” sections. Keep every denial letter. Document what the service technician tells you. Take pictures. And appeal a denial when the explanation doesn’t match your contract. I’m not asking HWA to cover something I didn’t purchase. I’m asking them to honor what their own contract says is INCLUDED. After having every claim I’ve submitted denied, this experience has completely changed how I view the value of this warranty. I paid thousands of dollars for this coverage. When something finally failed, I received a denial stating that an item was not covered when my contract appears to specifically identify that very item as INCLUDED. That is why my rating remains: ⭐ 1/5

And unless HWA corrects this decision through the appeal process, I cannot recommend this company based on my experience. If HWA reverses the decision and honors the written coverage, I will gladly update this review to reflect that resolution. Until then, consumers deserve to know exactly what happened. I am extremely dissatisfied with Home Warranty of America (HWA). I paid for four years of coverage upfront, believing I was purchasing protection and peace of mind. Instead, my experience has been repeated claim denials. At this point, I feel the money I paid upfront for this policy has been a complete waste.

My latest denial, Claim #**, is especially concerning because HWA’s explanation appears to directly contradict my contract. HWA stated: “The salt cell has failed and must be replaced. Salt cell assemblies are not covered under this user agreement.” However, my actual HWA contract states under VI.B. SALT WATER POOL EQUIPMENT: “INCLUDED: Circuit Board and Salt Cell”. “EXCLUDED: Salt”. My Coverage Letter also confirms that I purchased Pool/Spa Combo coverage.

HWA also denied my pool pump based on an “unlevel rock,” claiming it was causing poor operation and malfunction. However, HWA’s assigned service provider temporarily placed that rock there during the assessment as a safety measure involving water near the electrical/motor components. The pump was already malfunctioning before the technician arrived.

The assigned service provider, Renovations Pools, has advised me that HWA can contact them directly for clarification. Even more confusing, HWA’s denial describes the pump issue as a “normal wear and tear failure.” Yet the contract defines a covered “Breakdown” in terms of an included component becoming inoperative because of mechanical or electrical failure caused by normal wear and tear. The Pool/Spa provision specifically includes above-ground components and parts of the pumping and filtration system.

This is not simply frustration because one claim was denied. I paid thousands of dollars upfront for four years of coverage and have repeatedly experienced claim denials when attempting to use the warranty I purchased. I am not asking HWA to provide coverage I didn’t purchase. I am asking HWA to honor the written terms of the policy I paid for.

Requested resolution: Reverse the salt-cell denial according to the express contract language, contact Renovations Pools to correct the factual misunderstanding regarding the temporary rock, and properly reconsider coverage for the pump based on its actual failure and my Pool/Spa coverage. After paying for years of coverage upfront and experiencing repeated denials, I cannot recommend HWA based on my experience.

It took Home Warranty of America more than 10 days just to locate a technician willing to come to my home. When he finally inspected the unit, he determined that it required significant repairs. Instead of authorizing the necessary work, HWA repeatedly negotiated with him over the scope of the repair and the price. They asked him to lower both the cost and the level of service he believed was necessary. Eventually, he agreed to perform only diagnostic testing at the price they wanted.

By this point, we had already endured more than 17 days of 100-degree weather without air conditioning. Then, on the very day he was scheduled to perform the approved testing, Home Warranty of America informed him that his services were no longer needed. The technician also shared with me that during his conversations with HWA, he was told they could not afford to replace air conditioning systems and that "they wouldn't be in business" if they approved the level of repairs needed on every claim. Whether that reflects company policy or not, it certainly explains the experience I have had.

After another delay of approximately 10 days, HWA finally assigned a second technician. Unfortunately, his professional assessment was essentially identical to the first technician's. Once again, the necessary repairs were not authorized. Instead, he was instructed to simply clean the unit first and "see if that works," despite his recommendation that much more extensive repairs were required.

Perhaps the most frustrating part of this entire experience has been the complete lack of customer service. I requested to speak with a supervisor five separate times. Every time I was assured that a supervisor would return my call. Not once did anyone follow through. The customer service representatives were polite, but communication was often difficult because of language barriers, making an already frustrating situation even harder to resolve.

At the end of the day, I have paid monthly premiums for a home warranty that has not provided timely service, has repeatedly delayed needed repairs during dangerous summer temperatures, and has failed to deliver on the very reason I purchased the coverage. If you're considering a home warranty company, I strongly encourage you to look elsewhere. My experience with Home Warranty of America has been frustrating, time-consuming, and incredibly disappointing.

I have repeatedly contacted Home Warranty of America for assistance. Despite three scheduled appointments, no one has completed the required work or provided a reliable plan for resolving the problem. I am now being told that I must pay $375, even though I previously agreed to an additional charge of only $150. I did not authorize this increased amount, and I have not received a clear written explanation or itemized estimate supporting it. I relied on Home Warranty of America to provide a qualified and responsive contractor. I should not be required to pay an additional, unapproved charge because its assigned contractor failed to complete the work properly or attend scheduled appointments.

Requested resolution:

If the work cannot be completed promptly, provide an appropriate refund or authorize another qualified contractor to complete it at no additional cost to me.

So I called today 8/04/2026 and they tell me the cost went up to $770.00 agian to get fixed... I've already paid this the first time they came out.... SMH. POOR. VERY POOR.

All interactions are with an AI or through generic apology e-mails, no personal phone call but every interaction gives a clear option to cancel the claim. We have been living in a home without A/C in July for over 2 weeks with another week before rescheduled appointment. I wonder if these delays are aimed at getting me to cancel the claim and pay for repairs out of my own pocket?

Fast forward to now, and our HVAC is failing again. We contacted Home Warranty of America expecting the warranty to cover the repairs. Instead, we've spent the last month going in circles. They have sent three different technicians, and every single visit has cost us another $100 service fee. After multiple appointments, someone finally diagnosed the actual problem, and we were told it should be covered under the warranty.

Now Home Warranty of America is refusing to pay for the repair. To make matters worse, we've been dealing with this during 90–100 degree weather, without a properly functioning HVAC system. This has been incredibly stressful and frustrating. We've now spent approximately $1,000 out of pocket because of repeated service calls, delays, and the need for additional work after the initial visits failed to identify the problem.

What should have been a straightforward warranty claim has turned into weeks of frustration, unexpected expenses, and a complete lack of confidence in the service being provided. A home warranty is supposed to provide peace of mind when major systems fail. Unfortunately, my experience has been the exact opposite. I am extremely disappointed with the way this claim has been handled and cannot recommend Home Warranty of America based on my experience.

Now I have having issue and they wanted to send the same tech out, I said no and then they could not get a tech so they told me to get my own and they would pay for it minus the $75 call fee. They have denied the claim which it was found that the ducts had leaks and holes as they are 30 years old and said it was not wear and tear. After some augment they decided out of good faith to pay $200 out of the cost of repair for $600. They are still refusing to pay the initial diagnosis call. I have sent an email to James Mostofi and hoping that Mandy Dowson sees this.

RP (Ricardo **) told us he'd be back on Wed (today-7/22) husband had to call him. He said he'd call as he can. I called HWA & they said we have an appt for Fri 7/24, they didn't say when. It has been in high 90°s & yesterday it hit 100° & for the next 10 days it will be over 100° here in west TX where we'recloser to the sun by 3,000 ft. We've had to purchase a window a/c for $200+ as it is a higher wattage to cool our bedroom & bathroom so we can sleep. Will HWA reimburse us for even a portion of that considering our wait time with this extreme heat?

I've worked in business & customer service for over 3 1/2 decades. I know how difficult it can be, esp during hot weather. RP didn't communicate well & didn't show when he told us he would. The customer service at HWA has tried but missed the mark with no empathy or appreciation of our circumstance. Might as well have been a computer talking to us, we would have understood it better than the heavy accented lady that tried to speak louder to help me. We bought a new policy on 11/10/25, policy# **

After years of paying for coverage, I was extremely disappointed to discover that when I finally needed assistance, the company found a reason not to honor the claim. It left me feeling that the warranty provides far less protection than consumers might expect. If you are considering an HWA Home Warranty, I strongly recommend reading every exclusion carefully and understanding exactly what maintenance requirements they may use to deny a claim. My experience has been frustrating, costly, and very disappointing.

Uriel E. **

An separate contractor has no problem finding parts but they will barely cover 50% of retail for the part. So effectively they are selling me coverage on a system that they can not replace and are only offering a fraction of the price because they say they can get parts for a fraction of the price....How exactly can you undersell a part that you can't even replace????

Now HWA and Comfort Air are saying I have to pay an additional $1100.00. I spoke with HWA about this and the person I spoke with says it was not covered even though they were responsible for paying for the coil. I cancelled my home warranty policy immediately and am reporting them to the Federal Trade Commission. I'm filing a complaint against Comfort Air to the LA State Licensing Board for Contractors and the BBB. I also looking for a consumer protection attorney to file suit against both companies.

They denied the claim completely because I didn’t submit the paperwork on time for them. I was having technical problems and called several times to inform them and ask for technical help to send everything on time and could not to. By the time I was able to do it, the work had to be done. This cost me a great deal of anxiety and disappointment. I was still hopeful that they would approve as this was an emergency. I will not recommend this company to any of my acquaintances. For me, this is just a business only, no true compassion or care for the client suffering at home.

We called the assigned plumbing company to confirm the appointment, but they decided not to come to the house because it was a two-hour drive for them and cancelled the appointment. The second assigned plumbing company was 2.5 hours from our home, and when we called to confirm, they canceled the appointment. The third assigned company was not even a certified plumbing company, and when we explained the problem to them, they told us they were general contractors and couldn’t work on plumbing.

We gave Home Warranty America (HWA) insurance four opportunities to get a plumbing company, and every time they found a company, and we called to explain the problem, they cancelled the appointment, including one of the assigned companies, which were general contractors and could not work on the plumbing. Finally, we got tired of their incompetence, hired our plumbing company, and sent them the estimate. They didn't respond, and when we called them, they refused to pay the estimated amount. Poor communication, poor customer service, and a very, very bad insurance company.

Called HWA and began process. Pictures and estimate were sent. The temps were 85-90 degrees and we were without ac for days. Had to sleep in a motel for 2 nights. HWA kept putting us off asking for pictures of bubbles! I was told a leakage test could show bubbles of the leakage. Asked HWA who would pay for this, I was told I had to. Our AC company wrote an explanation to HWA which was ignored. We had the AC put installed and paid for it. Now to reimbursement. So many calls, speaking to a lot of people (I took notes so I could remember the conversations) They still wanted pictures of bubbles. I inquired from other sources about the bubbles and was told a leakage test does not necessarily show bubbles and my tech did the proper service. Contacted the CEO of HWA and got a call from some women representing the CEO and she said she would look into it and get back to me in a couple of days. No response!

I called back an was told she was out of the office for 3 weeks. Someone else did call. They would not be paying on the claim! This was pursued with contacts to the BBB of Illinois and New Jersey. When contacted by these companies, HWA said they never told me certain things. Outright Liars!!! I am still trying with one other source but I do not want to spend additional $ on attorneys. We are seniors on a fixed income. This has affected me financially, emotionally and if our son hadn't stepped in could have been the cause of possible health issues. This is the worst company I have dealt with in my life. BEWARE!!! They should be shut down!