Home Warranty of America

Home Warranty of America

 1.1/5 (33 reviews)

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$43 to $55.31
Monthly premium cost
50 states

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Overall Rating1.1 out of 5
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About Home Warranty of America

Home Warranty of America Inc. offers warranty plans that protect you from the high cost of unexpected repair bills. The company also provides quick 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 to find a solution that works best for you.

    Pros & Cons


    • High coverage limits
    • Nationwide coverage
    • ENERGY STAR appliance upgrades


    • Scheduling wait time

    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.

    Top Home Warranty of America Reviews

    Rated with 5 stars

    Submitting a claim to HWA is very simple and easy. Everybody has been professional, and they usually give a time when the contractor will contact us. I’m very satisfied with them....

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    Rated with 5 stars

    I just call them and they send quality people out, and they take care of it. The techs don't give up. They keep going until they get the thing fixed, and that's greatly appreciate...

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    Home Warranty of America plans

    Home Warranty of America has been protecting homeowners, buyers and sellers for decades. The company has multiple coverage options to let you choose what best suits your needs. Home Warranty of America 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). It includes the company’s Premium Coverage option, which adds 25 additional items, such as plumbing fixtures and toilet replacement.

    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.

    Home Warranty of America cost

    The price range of Home Warranty of America’s plans is $43 per month to $55.31 per month. Costs vary based on the trade call service fee option chosen ($75 or $100) as well as any add-on protections.

    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

    The Premier plan provides protection for the following items:

    • Built-in microwaves
    • Burglar alarm systems
    • Ceiling and exhaust fans
    • Central vacuums
    • Dishwashers
    • Doorbells
    • Ductwork
    • Electrical systems
    • Exhaust fans
    • Garbage disposals
    • Garage door systems
    • Heating system
    • Ice maker
    • Instant hot water dispensers
    • Kitchen refrigerator
    • Plumbing
    • Ranges/ovens/cooktops
    • Sump pumps (permanent)
    • Trash compactors
    • Toilets
    • Washers/dryers
    • Water heaters
    • Whirlpool bathtubs
    • Air conditioning

    The Premier Plus plan is the more comprehensive choice for existing homeowners to consider. The plan covers everything included in the Premier Plan plus additional items, including increased protection for toilet replacement, plumbing fixtures, faucets and showerheads.

    Optional add-on coverage is available at an extra cost for the following items:

    ItemCost per month
    Pool/spa combos and saltwater pools$11.54
    Roof leak repair and septic tank pumping$3.85
    Second refrigerator/stand-alone freezer$2.69
    SEER/R-410A modifications$5.77
    Septic system$3.86
    Well pump$6.54

    Home Warranty of America also offers two add-on packages, both for $5.77 per month.

    The GreenPlus add-on includes coverage to upgrade appliance replacements with ENERGY STAR-qualified products. This includes dishwashers, refrigerators, clothes washers, heating system replacement and water heaters.

    The OrangePlus add-on includes coverage for water softeners and re-keying services, provides for the removal of defective equipment at no extra charge and increases coverage limits for the following items:

    • Code violations/permits up to $250
    • Professional-series appliances up to $2,000
    • Toilet replacement up to $600

    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 on Home Warranty of America's sample contract.

    Home Warranty of America 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
    Roof leak repair, septic systems, toilets and water softeners$500
    Burglar and fire alarm systems, ceiling and exhaust fans and central vacuums$400

    Home Warranty of America claims

    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 (90 days on parts and 30 days on labor), HWA will send a technician to complete new repairs without charging you a service fee or any other additional costs.

    Frequently asked questions

    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 option covers more than 30 items.
    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.
    Is a home inspection required by Home Warranty of America?
    No inspection is required, and the company states you will not be denied coverage based on the age of your home, systems or appliances.

    Is Home Warranty of America a good company?

    Home Warranty of America has several aspects that stand out and make it a good option for homeowners looking for coverage for their systems and appliances.

    The company’s Premier and Premier Plus plans offer substantial coverage for homeowners. Our favorite features include the Premier Protection plan, which adds coverage for parts like fixtures and appliance accessories. This coverage is not common to home warranty service plans, and it’s an affordable add-on that increases the value of your contract. Additionally, the GreenPlus and OrangePlus add-ons make Home Warranty of America an inclusive provider.

    Home Warranty of America Reviews

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: May 20, 2023

    We have had this warranty for two years with only 1 claim on April 20th. They sent a technician out who diagnosed the water heater as needed to be replaced. HWA did not approve the repair and told their chosen plumber to perform a repair. He refused, so they "reassigned" the claim. 48 hours later they could not find another plumber to come out so they turned it over to me to find the plumber; I bought the warranty so I did not need to do this. I found a plumber who recommended a replacement. They kept telling me that the plumber did not provided details they needed. For several days I received emails saying they needed more details from the plumber. On a phone call, the HWA rep told me the plumber was not being honest and had not provided details.

    When I contacted the plumber, he sent me screenshots of what he had submitted to their online claims website several days before. I sent these to HWA an all of a sudden the claim is now "under review." I don't know what their decision will be, but we are 1 month since the problem started. The water heater is now leaking so bad we needed to turn it off. I suspect the fight will continue. The HWA rep lied to me about the process. It seems they intentionally try and delay the process so the customer will just deal with it on their own. Seeing this process play out, it is no wonder they can't find service providers that want to work with them. I can't be more disappointed in a company or their employees.

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    Rated with 1 star
    Verified Reviewer
    Original review: May 12, 2023

    Our AC went out the very first time we used it this season. I filed a claim, and after waiting for them to find someone to come out they sent an email saying that I could find a tech myself. I had them come out, covered the diagnosis cost and had the tech write a detailed report for them. Our claim was almost immediately denied, and they offered a scheduled call with a claims person that wasn't available for five days. We had to stay in a hotel during that time since our 9 year old couldn't stay in a hot house.

    I reached out to try to see if they could expedite the call, but couldn't get anyone to answer. The email signature of the person they assigned to me didn't even have the correct phone number for their direct line, and there is no place to leave a voicemail. They have no Facebook, Twitter, or any other means to reach them. They say they air conditioning is covered, but when I asked why they denied the claim they said it was because of a part that is not covered. Not helpful, impossible to get any kind of help other than just a brief no, after we have been paying them a monthly fee since we bought the house 12 years ago. Do not use this company.

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      Rated with 1 star
      Verified Reviewer
      Original review: April 2, 2023

      I specifically said DO NOT SHARE MY INFO. Before I could even read into the 3 providers in my area I had 3 calls. Within 5 minutes. This is WHY WE DON’T do “help”. The do not call list is. I didn’t even get a chance to read the 3 options I had. I didn’t even click on an option. This is totally ridiculous! It was also via Comsumer Reports ads! So I don’t know how to do this but I’m not going to be nice to ANYONE who calls my number, thanks a lot for nothing. I usually do not write horrible reviews but this is like a virus and the marketing world has been infected. I love marketing. I get it. But for God’s sake respect the fact that I did NOT click the box that said you could share my info. Please stop the madness. It doesn’t work. Not on me. Have a lovely day blocking people. I will. Amy

      2 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 27, 2023

      Their coverages are very limited and when you do have a claim it is impossible to get anyone to actually help you. The reimbursement process is ridiculous, you have to wait two days for one of their technicians to respond before you can hire your own person. Even after they allow you to find a technician, they may re-assign it to one of their own. In my case, their technician actually refused it but they assigned it to him anyways, which removed the option for reimbursement. When that error was fixed I had to wait another two days for the whole process to start over. The customer service reps were absolutely worthless at solving any problems and refused to transfer to anyone who could do anything to fix the errors. RUN AWAY FROM THIS COMPANY.

      4 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 5, 2023

      Do not give HWA your money. Do not allow your realtor to put a home warranty into your home purchase--it is not worth the money. Here's why: HWA doesn't cover ANYTHING, the contractors are garbage and you have to pay them $100 per house call, the HWA call center workers are combative, and the coverage denial appeal process is a joke.

      4 people found this review helpful
      Rated with 1 star
      Verified Reviewer Verified Buyer
      Original review: Feb. 2, 2023

      The previous owners of my house had this warranty, so I’m stuck with it until it expires next month. They send out third party contractors to look at problems and will charge you $100 to just LOOK at the situation. Our bathroom had moisture issues & water leaking, we put in a work order (which got APPROVED) then contractors came out (7 DAYS LATER— so much for the 48 hour promise), we paid the $100 service fee, then HWA called us saying this is something not covered in their contract. Why approve our work order? They’re just money hungry and they don’t care about helping. Customer service is definitely outsourced as well, judging by their accent and lack of understand my questions when I try to get answers. Frustrating experience. Now that my warranty is about to expire they call every week to remind me. If only they were this persistent about my work orders!!!!

      3 people found this review helpful
      Rated with 1 star
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      Verified Reviewer
      Original review: Jan. 30, 2023

      Worst experience ever. Long time customer with multiple contracts, after the acquisition by Choice Warranty - TERRIBLE. I just purchased a new home, immediately put under HWA Diamond plan. Sure enough, the Range pukes out and so does the dishware. I called in the range, never to be heard from again. When I called in the dishwasher, a couple of days later, they told me to find my own appliance repair. NOT part of the deal. I am new to the area and could not find anyone. When I did, per HWA's instruction, they WILL NOT PAY FOR SERVICE CALL. I have filed multiple claims and asked for Management review NEVER TO BE HEARD FROM. Totally terrible and not the treatment I have had for many years. One star is way too many for their service - I DO NOT RECOMMEND.

      3 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Jan. 25, 2023

      BUYERS BEWARE. This company does not cover anything as they have stated in their advertisement. I have been 2 months without a stove. I have been with them since 2016 never filed a claim until now. They ignore phone calls and emails. They are frauds.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Dec. 21, 2022

      This company is a nightmare! Stay away. It’s saddens me be I I have been a customer for 5 years. In these 5 years I have not had issues. Until this claim. They changed their claims management team. There is no manager or supervisor you can talk to, they put a request and they have 24/48 hours to call you back. I reported a claim for a washer not functioning, they gave me the 1 appointment available Wednesday. The tech advised the part was on back order. I patiently waited 1.5 and no news on the part. I called HWA and they said, "Oh you need to wait another week, once that week is completed we will look at what options there are ."

      Per the tech the manufacturer advised there is no eta on the part, that it can take an excess of 4-6 wks. Tech provided this information to HWA and they are now stating that I will need to wait for the part even though there is no eta. I asked, what happens if it takes 6 months and they said They reserve the right to wait those 6 months. This is unbelievable! Who can hold off on washing for a total of 9 weeks! I was convinced that HWA was a resource homeowners could count on on actually repairing the issues, but on the contrary, it’s going to cost me more to have my clothes washed than it is to buy a new washer. What a loss, they used to be good.

      5 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Dec. 3, 2022

      Long story short - we had a plumbing leak. Scheduled 3 technicians, each a no show. HWA offered us their Reimbursement Option since they were having trouble finding a tech. Fine, we called Roto-Rooter and they replaced the faucet. When the claim for reimbursement was filed, it was denied! Saying they'd have to pre-approve the repair. THIS WAS NOT STATED PREVIOUSLY. So I'm out nearly $400. But it gets better, air conditioning had a clog. They sent a tech out, tech wanted $75 cash. It's better to spend more on a premium with a reputable company than deal with this fly-by-night sham of a business! Renew my policy? KMA!

      9 people found this review helpful

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        Home Warranty of America Company Information

        Company Name:
        Home Warranty of America

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        Our Buyers Guide Top Picks:

        Choice Home Warranty

        Choice Home Warranty

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