Home Warranty of America Reviews

I have paid for an HWA Home Warranty for years, faithfully paying my premiums with the expectation that when an appliance failed due to normal wear and tear, I would have protection. Unfortunately, when my refrigerator's compressor failed, HWA denied my claim. According to their denial letter, they determined that dirt and debris under the refrigerator restricted airflow, causing the compressor to overheat and fail. Their position is that this falls under a maintenance-related exclusion. What I find unreasonable is the expectation that homeowners regularly pull out a large, heavy refrigerator to clean underneath and behind it. Most homeowners do not do this routinely, and nowhere was it made clear to me that failing to perform this specific task could result in a complete denial of a major appliance claim.

I have had Home Warranty of America for 10 years and originally, they offered great service but my last claim has been a disaster. My washer began leaking in mid-March of 2026 and it is now June 16, 2026 and I still have not been paid. They sent a technician out 5 times and finally they agreed to pay $406 on an $898 washer in mid-May 2026. I just got off the phone with the agent who told me it would be July before I receive my check and if I cancelled my policy, my claim would be closed even though it was initiated in March 2026. I would run away from this company and look at other companies if you need or want a home warranty.

HWA claims handling is a joke. They came to repair my GE OTR microwave, which is 4 years old. The tech came to the house for repairs and told me he had to order parts. The next day I received an email stating the microwave was not going to repaired and offered a lump sum payment of $194 for the claim. They stated this was a fair offer. After researching the same unit online, the best price was $349 plus delivery, taxes and installation amounting to over $600. I have had experience with other warranty companies, but this is the worse one yet.

They like to have policies that allow them to not make repairs, such as they won't work on outside units for the AC, we were told that last time we tried to get our AC repaired and the best they could was a temp fix per the technician 'cause HWA wouldn't approve full repair and now I'm looking at $3500 to replace an AC unit. Trash company and I would never of my own accord work with them. 0 out of 5 stars.

This company is fraudulent in my opinion and they do not want to pay claims.

This company is a scam. No wonder they have a 1 star rating… I had a leak and filed a claim with them. They had a technician come out a month later. And they would not approve the repair. They took my 100$ and walked away.

I have had their coverage for over 6 years. It appears that after they were bought out in 2022 the quality has greatly decreased. I have a bad condenser in my AC, they will not replace it without replacing my coil but of course they don't cover the coil. As ridiculous as that is that they make me replace it and don't cover a part that isn't damaged I could probably deal with that knowing that's how insurance companies work. The problem then is the contractor they had come out says he can't find a coil that will fit and wants to downgrade my AC from a 5 ton to a 4 ton, which is not sufficient for my square footage.

Do not use this company! Home Warranty of America (HWA) sent Comfort Air of Hammond (CA) company to my home to replace a coil on my AC. They were supposed to pull a permit but didn't and lied to me when I asked about it, saying they didn't need one. I contacted The Chief of Inspections for EBRP and he contacted them and said they needed to pull a permit. They pulled the permit and an inspector came out and failed the inspection. The type of coil they installed needed an additional part that they did not install.

Filed a covered pest claim with documented evidence from HWA's own assigned service provider — photos of cockroaches coming up through the upstairs bathtub drain, clearly inside the home. HWA denied it anyway, citing an exterior-only exclusion that didn't apply. Submitted an appeal with the same evidence and was denied a second time. If you're considering this warranty, understand that even a textbook covered claim with photographic proof from their own contractor can be denied. Save your money.

The worst customer service. They barely speak English. Comprehension is non existent. They just repeat the same sentence over and over again. I've been on hold for a supervisor for 30 minutes. Ridiculous. My first AND last time with this comparing!