Home Warranty of America Reviews

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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?

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Home Warranty of America Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceTechPricePunctuality & SpeedRefunds & PayoutsBillingRatesTransparencyTimelinessNetwork Quality

    Reviewed Jan. 27, 2026

    In July 2025 our AC went out. They don't answer calls you need to leave a message. Sometimes they call back right away and other times it could be a full day. I was told they would have a tech contact me. Since I live in a condo the tech needed to have certain credentials. They couldn't find one on their list. 2 days of calling someone told me I could do a reimbursement claim and use my own tech but payment would be per their rates. I had no choice. My authorized tech came and there was no freon in the unit. He suggested putting 4 lbs of freon into unit. It could last a couple years or not. This unit was 30-40 years old. We agreed and HWA approved it. Less than 3 weeks later, no AC. Called home warranty again and was told it was within 30 days so it was the same claim. Tech came back and said we needed a new unit. A leakage test costing about $2000.00 was not necessary, all freon was gone.

    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!

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    CoverageRefunds & PayoutsMaintenanceTimeliness

    Reviewed Jan. 16, 2026

    I'd give them no stars if that was an option. Spare yourself the work as if feels like everything is excluded from coverage. Had a heater go out, so was without heat for over a month while they went back and forth with repair company. Asked several times to allow me to find solution and reimburse me. After no heat for a month, did my own, got fixed the next day. HWA would not cover what they should have in the beginning. In the long run you will have save more time and money NOT using HWA.

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      Customer ServiceCoveragePriceBillingRates

      Reviewed Jan. 12, 2026

      For starters getting a claim files & somebody to come look is a hassle. But what I found really shady is that when your policy is coming due for renewal they will call you multiple times & lower your negotiated rate until you agree. Since I was so discouraged with the service I choose not to renew, BUT what is not told to the consumer is that HWA will continue charging your credit card on a monthly basis until you call to cancel your policy. Shame on me for not realizing I was paying this monthly charge... but really? I would think not renewing my policy would constitute cancellation. These people suck, almost as bad as health insurance companies.

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      CoverageSales & MarketingHonesty & Transparency

      Reviewed Jan. 9, 2026

      NEVER AGAIN! This place is one big scam. They mislead you about what’s covered under your plan and all they are concerned with is sales tactics. They said what they needed to say to get me to sign up and after that there was no accountability!

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      Verified purchase
      Customer ServiceClaims HandlingCoverageTechMaintenanceStaff

      Reviewed Dec. 12, 2025

      This is the worst home warranty company. I would not recommend doing ANY business with them. They will deny your claim!!! I reported issues with my garage door opener. They sent a technician to inspect. HWA declined my claim stating my garage track was not covered. Garage track was not even part of my claim. I did not ask the to fix any other component (by the way in working condition). Technician did not even inspect my garage door opener yet my claim was denied. Called customer service, another black hole. You will waste your time should you need to file a claim. Do NOT buy products from this company!

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      Customer ServiceCoverageTechMaintenanceStaffResolution

      Reviewed Dec. 8, 2025

      I am filing this complaint regarding an unresolved and dangerous electrical issue in my home and the way it has been handled by Home Warranty of America. We opened a claim due to loose and unsecured breaker boxes that present a serious safety and fire risk. These issues have caused outlets to behave abnormally, appliances to malfunction, and our oven to completely stop working.

      We provided clear video evidence showing the breaker boxes moving and visibly unsecured. Despite this, the technician who was sent to our home did not properly assess the reported issue. We attempted to explain the problem and show the evidence, but communication was extremely difficult. The technician dismissed the reported hazard and made a completely different determination without reviewing the provided videos or producing any factual diagnostic evidence. The technician’s report claimed the issue was related to power tripping, yet contained no voltage readings, test results, photographs, or tangible documentation to support those conclusions.

      During the appeal process, Home Warranty of America chose to side with this unsupported report rather than addressing the unsafe condition. The case agent handling our claim was rude, dismissive, and condescending, showing no concern for the safety risks involved. We have had repeated negative experiences with technicians sent by this company and no meaningful efforts have been made to resolve the actual safety issue in our home. We are now escalating this matter because our home remains in an unsafe condition despite multiple attempts to have a qualified professional properly diagnose and repair the problem. We are requesting immediate escalation of this claim, a full inspection by a licensed electrical professional, and written documentation of all findings. Until this safety issue is fully addressed, this complaint remains unresolved.

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      Customer ServiceClaims HandlingCoverageTechRefunds & PayoutsMaintenanceHonesty & Transparency

      Reviewed Nov. 26, 2025

      I was having trouble filing a claim online for my rental house, so I called only to find out a clogged tub drain wasn't covered, strange since I had purchased the most comprehensive plan. I asked to speak with a manager and never could. My tenants were complaining so I called my own plumber and paid for it out of pocket. I continued to try to reach a manager. Honest to God truth is I was given emails and phone numbers that bounced back and/or went nowhere (mailbox full).

      After literally weeks of trying to reach a manager they admitted to me they were wrong to deny my claim, no reason given they were wrong and sorry. However they could not refund me any money none, because they didn't authorize the repair. Nothing not a penny. The worst part was the time I had to put in before I could speak to someone about this, and they continued to bug me about trying to renew. I don't do business with companies like this and you shouldn't either.

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      Verified purchase
      Customer ServiceCoverageTechSales & MarketingPunctuality & SpeedStaffFollow-Through

      Reviewed Nov. 14, 2025

      This organization is criminal. In November 2025 we had an unexpected water leak in our kitchen, not near any obvious water source. Home Warranty of America sent a technician that reported he couldn’t find the source, telling us we would need to tear off the side of the house to locate it. Subsequently, Home Warranty denied the claim because it was exterior facing. Then, we called a different plumber on our own who identified the leak source and promptly fixed it. When we submitted that claim, we were denied again because we hadn’t used Home Warranty of America’s required technician. As you can see, this is a scam company. Do not invest your money with them, you will lose it. They will not follow through with claims. These reviews speak for themselves. I can’t emphasize it enough—this company is fraudulent. Please beware and DO NOT do business with them.

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      Customer ServiceTechPunctuality & SpeedRefunds & PayoutsTimeliness

      Reviewed Nov. 13, 2025

      I have a mini split heat and ac unit. Got a error code and it won't work. It's not here in Wy, so getting cold. Filed claim on 10/19/25, they scheduled a tech to come out. Never showed, tried calling the number, never get an answer, they said they would find another tech. 3 weeks later, still nothing. Called and am told they are trying to find someone, or I could find my own and get reimbursed. Called and first place I called sent a tech next day. Not sure why they can't find someone. Terrible customer service. Tech showed up and said motherboard is burnt from power outages. No, see if they approve the claim.

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      Customer ServiceTechPricePunctuality & SpeedStaff

      Reviewed Oct. 31, 2025

      This company is terrible, seems like a sham! Took a week to send first repair for my fridge, charged $87 but did nothing, "filed report/diagnosis", and now after over three weeks of confusing back and forth between them and the repair company, saying it can be repaired, then it needs to be replaced, then it can be repaired again, then sending out repair tech from a different company, I've been without a fridge for three weeks. They send different info than the repair company sends, including different appointment times, and repair company seems confused as well and also incompetent. Then they send a second repair company who says something completely different.

      Very confusing and the money spent compensating for three weeks without a fridge and having three different repair techs come look at it but do nothing, missing three days of work to be here when they come, it would have cost less money to buy a new fridge without them. Trying to call the company is infuriating, you either can't talk to a human at all or you speak with call-center reps who cannot help you, you can never speak to an actual person at the company to discuss the problem. This Home Warranty of America is a complete sham and should be shut down, this shouldn't be legal.

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        Home Warranty of America Company Information

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