Home Warranty of America Reviews

Complaint title: Hot water tank replacement remains unresolved after missed appointments and increased charges. Approximately two months ago, Home Warranty of America authorized the replacement of my hot water tank and assigned Soft Construction Technologies to perform the work. For the original installation, I agreed to pay an additional $150 above the $770 installation amount. Since the replacement, the matter has remained unresolved. Home Warranty of America arranged three appointments for the contractor to return, but the contractor did not show up for any of them and did not call to cancel or reschedule. I have also sent text messages and left several voicemails, but I have received no response.

HWA took 2 days to get a vendor to my home. The vendor had not submitted the diagnosis to HWA for 4 days without HWA doing anything. I finally requested a different vendor. The new vendor was scheduled 8 days later, 2 weeks after the initial call. The appointment window was 8am to 5pm. I waited the entire day and after 5pm the vendor informed me that they were canceling the appointment. Then the vendor rescheduled the appointment in another 7 days. I informed HWA and was told that I could wait another week for the assigned vendor or request a third vendor which could result in a longer wait. HWA has shown zero concern in honoring their contract with me.

I would not recommend Home Warranty of America based on my experience. Three years ago, our HVAC system stopped working. We paid the required $100 service fee, and the technician they sent determined that the entire HVAC system needed to be replaced. Home Warranty of America only covered $2,300 of the $3,500 replacement cost, so we paid the remaining balance out of pocket. While we weren't happy about it, we accepted the cost because we believed we would have a reliable system backed by a warranty.

They tell you not to worry about the appliances in your new home, but when you try to submit a claim, they decline it. Our first claim was on a washer where the rubber boot had a hole worn through, DECLINED. Our second claim was on a wall oven where the glass shattered. So much for them taking the worry out of our new home purchase. I would NEVER recommend this company to anyone, not even someone I didn't like.

I have been a customer for about 4 years with coverage on 3 properties. About 1 1/2 years ago my AC was not blowing cold and kept running. They sent a tech out who claimed nothing was wrong but added freon. The unit is old and he added the wrong freon which caused the unit to completely fail. After many calls to the case manager then the relations manager with no satisfaction I escalated it to the executive offices, oh did I mention that they sent our another tech who had a criminal record for child molestation! When I explained the complete situation and also about the tech that they sent they decided to pay for the complete AC unit without question.

Called HWA on 7/16 as A/C went out. Tech RP came & put in Freon. Told us to return text that job was complete, it stopped working w/in an hr. I called back & said I won't fill out form of work completion texted to us. Again, not completed. HWA said RP will come Monday 7/20 & he put dye in to find a leak & said he'd be back to see where the leak is.

1st claim for a part in my freezer was covered. 2nd claim fir my ac was denied. Appeal process is a farce. Claimed denial based on physical damage (caused by failure) is not covered. Then said even if it was it would then be denied due to poor maintenance.

Worst company ever!!! They don't pay legitimate claims, they use the lowest cost and oftentimes the worst and incompetent contracts to do repairs, they auto renew your policy even when you told them you wanted to terminate your contract, and they don't refund money they took without your approval! Don't contract with them!!!

The water heater broke down and the coverage was 100% percent approved. Reed plumbing decided to charge us non covered charges at $1,565. HWA would not approve second opinion. If we paid for a separate second opinion they would only pay us back $360.00. It's a double whammy. I have a local plumber who is ready to charge only 400$ for complete installation and I can buy a new unit and complete replacement would be around $1,000. But Reed plumbing wants money from HWA and $1,565 for me. The case managers did not cooperate and do not support the customers. I have been with them for several years but now lost trust completely. I am paying for everything by myself and closing account with them. Their contractors are ripping customers off and HWA don't care. They changed policies so we can't get second opinions and they won't pay our contractors the same way. They want to give you pennies if you cash out on the claim.

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!

4 year customer, no claims. AC broke, HWOA decided it was not normal wear and tear and denied the claim. They offered me $350 on a $3000 quote. They are not customer centered and do their best to deny claims. I am currently without an AC. I will continue to call, send emails and take them to small claims court.

I will never use this company again! Our water heater broke and instead of listening to the plumber, they kept making us order parts that took weeks to come so we were out hot water for three weeks. They didn’t wanna replace our water heater, even though the plumber said that we needed it to be replaced. Scam company. The worst and I’ve had other home warranty companies. This is a scam.

I had chronic issues with oil water heater and poor experience with this company related to it. The oil heater finally goes completely bad. This company responds quickly for the initial call and sends an email promptly, but you wait and wait for service at least related to oil water heaters. No service technicians in this area, the ones sent finally after weeks of oil leakage, also stated the company didn’t even want to pay them or something like that. When finally, the heater goes and water is all over, the poor response led me to get a company to diagnose with the company’s suggestion of finding own technician, which I did. I ended up replacing the oil heater for one electric and cheaper.

Overall, Very Bad Experience with Home Warranty of America (HWA). We started our claim over a month ago, and they have been unable to find a plumbing company willing to work with Home Warrantee of America in our area. We had a claim for an urgent plumbing problem, and it took them over a week to assign the first plumbing company.

Worse place to get home warranty. Will lie just not to Cover your claim. Wouldn’t recommend this crap to anyone. Had problem with my Furnace. Tech came out. Recommended new Furnace. Home warranty lied stating tech said my Furnace was not level. Looks pretty leveled to me.

I wish I could less than 0 stars. They assigned a company to come out to inspect our refrigerator and the compressor is bad. $900+ to replace the compressor. HWA said they want a second opinion. So, they scheduled the same company to get a second opinion. (WTH.) It will be about 14 days + to fix. Avoid this company at all cost!

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.

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.

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.

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!

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!

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.

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).

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.

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.

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.

We purchased a home in June and added the warranty coverage with HWA. End of July, we had a claim for the salt pool. It is now the end of October and we are still waiting for the repair. The warranty company has sent out three different technicians, two of whom I've paid a service call fee for. However, we have had several "no-show" appointments, and we are still waiting for the repair to be completed. Customer service tells us it's approved to do, but the technician says they haven't given him the approval. It's been a nightmare.

Home Warranty of America is a complete scam and does not operate in good faith. I have paid thousands of dollars for coverage and service that should have protected me, but instead, their assigned contractor, improperly installed my new AC unit — resulting in county code violations, missing parts, and safety hazards. When the unit failed just months later, multiple licensed HVAC technicians (including two hired by HWA) confirmed that the problem was due to improper installation. Yet HWA denied my claim, refused to take responsibility for the contractor they sent, and offered only “discounts” instead of fixing their mistake. I’ve spent weeks without air conditioning in extreme heat, made countless calls, and received little to no help. This company does not vet its contractors, does not honor its warranty in good faith, and leaves customers paying for their mistakes. Beware before signing up with them.

They don't cover much. Contract on most things only covers $1000. They only paid me $400 for my washer. Not very happy. $70 fee every time and really doesn't cover much else. So far every time we have used it it had been a letdown.

This company does not cover what they say the coverage is. They deny claims and wait till other issues arise . The customer service is the worst. They try everything to not pay claims. Their contractors are a joke. They have different prices for cash and warranty. They cover for a certain amount and ask customer to pay difference.

Our very first claim (a broken pool) was denied after we paid an extra $100 for their technician. They made up an excuse about a filter basket being the cause of our green pool. The pool was unusable and HWA refused to help. This company hides behind loopholes instead of honoring coverage. Avoid it at all costs, because it will cost you, trust me!