Home Warranty of America

Home Warranty of America Reviews

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$43 to $55.31
Monthly premium cost
50 states
$50 to $100
Service fee

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Overall Rating2.1 out of 5
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About Home Warranty of America Reviews

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 & Cons


    • High coverage limits
    • Nationwide coverage
    • Energy Star appliance upgrades


    • Wait times for scheduling
    • Some reviewers were unhappy with customer service

    Bottom Line

    Home Warranty of America provides advanced coverage options at reasonable rates. While it can take up to 48 hours to schedule a service, benefits like Energy Star-certified appliance upgrades really set the company apart.

    Featured Reviews

    Lubbock, TX

    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...

    Read full review
    West Bloomfield, MI

    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...

    Read full review

    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.


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

    Appliance/systemPremierPremier Plus
    Built-in microwave
    Trash compactor
    Kitchen refrigerator with ice maker
    Clothes washer
    Air conditioning
    Electrical system
    Heating system/furnace
    Plumbing system
    Water heater
    Burglar and fire systems
    Ceiling fans and exhaust fans
    Central vacuum
    Garage door opener

    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: $45.83 per month
    • Premier Plus Plan: $58.33 per month

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

    Optional coverageCost per month
    Limited roof leak repair $5.83
    Pool/spa combo $15.00
    Salt water pool (includes pool/spa combo) $15.00
    Well pump $8.33
    Septic tank pumping $6.25
    Second refrigerator $3.33
    Stand-alone freezer $3.33
    SEER/R-410A modifications $4.17
    Septic system $12.50
    Sprinkler system $8.33
    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.

    ItemHome Warranty of America’s coverage limit
    Electrical or plumbing rust and corrosion $2,000
    Heating systems, tankless water heaters, well pumps and saltwater pool equipment $1,500
    In-ground pool and spa equipment, water heaters and stand-alone ice makers or freezers $1,000
    Ductwork and plumbing systems $1,000 for inaccessible items
    Septic systems and toilets $500
    Burglar and fire alarm systems, ceiling and exhaust fans and central vacuums $400

    Home Warranty of America FAQ

    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.

    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.

    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 does Home Warranty of America compare?


    Choose what information you want to see across each brand. At least one option must be selected.

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    Home Warranty of America Reviews

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    Page 1 Reviews 0 - 10
    TechPunctuality & Speed

    Reviewed Sept. 25, 2023

    Hvac system was not cooling properly. Paid tech and was told nothing wrong. Had system serviced a few months later and was told heat portion would have to be shut down due to a Crack in a heating component. Ac still halfway working at that time. Called to place another claim. System stopped working by the time their tech came out. Been going in circles with this company for almost two weeks. No working hvac system and no temp system offered until they decide on a resolution. My suggestion is to run away from this company. No stars.

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    Customer ServiceClaims Handling

    Reviewed Sept. 25, 2023

    This company is horrible. They have terrible customer service and they will find any little excuse possible to not have to pay on a valid claim. They rejected our AC claim recently because they said the technician said our unit had weak valves on it but the company we ended up hiring to do the work said there was absolutely nothing wrong with the valves at all. Previously they sent a company out to work on our other AC unit who recommended replacing the entire coil and they wanted us to pay $800 for the “upgrades” but there were no upgrades only replacement parts. We had another company come out and look at it and they said there was just a little $40 part that needed to be replaced and they replaced it and the unit worked completely fine after that. So they are ripping off their clients and have these repair companies in their pockets to try and make more money off you. Definitely stay away from this company.

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      Reviewed Sept. 14, 2023

      Save your money for repairs! HWA will do everything to get out of paying--even covered items! They make every process difficult and their staff is inept. This last time they waited to tell me they couldn't find anyone and I could get my own technician/plumber. I followed their procedure but they made every hoop to jump difficult. WITHOUT HOT WATER FOR 10 DAYS! I HATE THIS COMPANY AND YOU WILL TOO IF BUY THEIR WARRANTY!

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      Customer ServiceCoverage

      Reviewed Sept. 7, 2023

      Probably the worst warranty company you can imagine. They are shady, will refuse to cover cost, refuse to answer any question, will not provide receipts, and further more they messed with the language on their agreement to avoid paying any repair. Simply stay away from them.

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      Customer ServiceClaims HandlingTech

      Reviewed Aug. 25, 2023

      Hi, I have a refrigerator that stopped working for more than 45 days now. I have gone back and forth with Home Warranty of America to get it repaired, however they do not help us at all. They said they scheduled at least 5 technicians to repair my fridge but none of them showed up. They partially approved 1 claim, which means I have to pay more than $500 to repair the fridge. In spite of the technician and me sending them the invoice they choose to ignore it and keep asking for more information.

      They do not transfer the phone to their supervisor to talk. They hang up on us each time we call. If we add our number in the call back list, no one ever calls back. It is a waste of money with them. No customer service person, if by chance you get connected come connect you to the a cancellation team to cancel the policy. I wasted more than $800 on them and still nothing is being done to repair my fridge. I paid at least $650 + taxes for this home warranty and have already spent more than $150 on just having the technicians look at my fridge and nothing. Please do not waste your money and time with them.

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      Reviewed Aug. 14, 2023

      We have been with Home Warranty of America for 7 years and have had 5 or 6 different issues that needed fixing... We have never had one bad experience with this Company, it gives us peace of mind to have HWA.

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      CoverageSales & Marketing

      Reviewed Aug. 7, 2023

      HWA can and will willingly pick and choose what it chooses to cover, regardless of the terms of the contract you sign. If you want to be mislead and given the run around by a business that uses deplorable business practices, and does not act in or protect the best interests of its customers, this is the home warranty company for you. If not, DO NOT waste your money, energy and time on HWA. It's a complete scam.

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      Customer ServiceSales & Marketing

      Reviewed July 27, 2023

      I received a letter in the mail that looked like it was an urgent message from my mortgage company with what looks like a check enclosed. It's not actually a check (it says this in the fine print on the back of the document where it's supposed to be endorsed). My home already has a warranty. When I called, I was surprised to find out that this was Home Warranty of America trying to sell me a home warranty. I had to confirm they were not affiliated with my mortgage company. The customer service agent was very rude when I told her I had a home warranty that was included with my seller's offer. This is predatory marketing and there's no way I'd do business with a company that tries to get customers this way.

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      Customer Service

      Reviewed July 18, 2023

      This company is awful and I don't know how they are still in business. I've been without Air Conditioning for a week and filed a claim as soon as it went out. I still don't have an assigned company or appointment to get it looked at - and temperatures are in the high 90's! Every time I call I get routed to a call center outside of the country and the reps don't fully understand when I try to explain the situation to them. All I get is "I'm sorry" and "we'll reach out within 24 hours with an appointment". I've been getting the same line for the last 3 days. However, they don't mind taking my money every month and giving me nothing in return. Once I figure out where they are headquartered I'm going to report them to the state Attorney General.

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      Customer ServiceClaims HandlingPunctuality & Speed

      Reviewed July 5, 2023

      Claim made 6/25/2023 about Central A/C not cooling. The heat has been well over 100 degrees for several days. 1st tech did nothing so I called and claim was reassigned & 2nd tech was a no show. No expediting the 3rd claim and still waiting for an appointment. Called again today and still no appointment and was told this is normal. I am very dissatisfied with this company especially since since no resolution and it is so hot. I would not even given one star honestly. Very sad that they do not honor their claims and take care of this customer timely!

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        Home Warranty of America Company Information

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        Home Warranty of America

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