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. Home Warranty of America has multiple coverage options, so you can choose what best suits your needs. The company offers home warranties in all 50 states and has a large network of service professionals.
- High coverage limits
- Nationwide coverage
- Pre-screened technicians
- Waiting period for coverage to start
Helpful Reviews
Home Warranty of America plans and coverage
Home Warranty of America offers two standard levels of home warranty coverage: the Premier Plan and the Premier Plus Plan. Both of these plans provide 13 months of coverage. This is different from other home warranty plans, which typically provide 12 months of coverage at a time.
Plans and coverage
The Premier and Premier Plus plans provide protection for the following items:
| Coverage | Premier | Premier Plus |
|---|---|---|
| Air conditioning |  |  |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heaters | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior sewer lines | | |
| Exterior water lines | | |
| Refrigerators | | |
| Dishwashers | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Built-in microwaves | | |
| Built-in food centers | | |
| Garbage disposals | | |
| Trash compactors | | |
| Ice maker | | |
| Instant hot/cold water dispensers | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washers | | |
| Clothes dryers | | |
| Toilets | | |
| Whirlpool bathtub | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fan | | |
| Central vacuums | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
| Monthly premium cost | $48.33 | $60.84 |
| Annual premium cost | $550 | $700 |
| Type | Combo | Combo |
| Plan name | Premier | Premier Plus |
| Monthly cost | $48.33 | $60.84 |
| Annual cost | $550 | $700 |
| Monthly cost | $48.33 | $60.84 |
| Monthly cost | N/A | N/A |
| Monthly cost | N/A | N/A |
Add-on coverage
Optional coverage is available at an extra cost for the following items:
- Pool or spa equipment
- Salt water pool equipment
- Well pump
- Additional stand-alone refrigerator, freezer or ice maker
- Septic tank pumping
- Septic system or sewage ejector pump
- Seer standard/R-410A modifications
- Water softeners
Home Warranty of America cost
Home Warranty of America’s costs generally vary based on your location, as well as if you choose add-on coverage. Its Premier Plan starts at $46.08 per month, while its Premier Plus Plan starts at $59.92 per month. Its service call fee can be as low as $75 or $100.
Home Warranty of America also provides emergency service, which may be subject to additional fees or overtime charges.
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.
Generally, parts that aren’t essential to the item performing its core function may be excluded. For example, dishwashers are covered by both plans, but racks, baskets, rollers, door seals and portable dishwashers 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
You can submit a claim online 24/7 or call the company’s toll-free number. After you submit a claim, a service provider will be assigned to your request and you can schedule an appointment. You’ll then pay your service trade call fee, and a technician should be assigned to your case within 24 hours.
Should a repair fail or the same issue reoccur within 30 days, Home Warranty of America will send a technician to complete new repairs without charging you a service fee or any additional costs.
Home Warranty of America coverage limits
Home Warranty of America limits repairs and replacements to $5,000 per covered system and component and $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, which are outlined in the table below.
| Item | Coverage limit |
|---|---|
| Heating system | $1,500 |
| Water heater | $1,000 |
| Ductwork | $1,000 |
| Plumbing system | $1,000 to $2,000 |
| Electrical system | $2,000 |
| Ceiling fans and exhaust fans | $400 |
| Central vacuum | $400 |
| Burglar and fire alarm systems | $400 |
| Pool or spa equipment | $1,000 |
| Salt water pool equipment | $1,500 |
| Well pump | $1,500 |
| Additional stand-alone appliance | $1,000 |
| Water softeners | $500 |
| Seer standard/R-410A modifications | $500 |
How does Home Warranty of America compare?
The table below shows how Home Warranty of America compares to other home warranty companies.
| Company | Customer rating | Number of plans | Add on coverage | Monthly cost | Service fee | |
|---|---|---|---|---|---|---|
Home Warranty of America | Learn More | 1.0 | 2 | | Starting at $46.08 | $75-$100 |
 American Home Shield | View Plan | 3.6 | 3 | | Starting at $29.99 | $100 or $125 |
 Choice Home Warranty | View Plan | 4.0 | 2 | | Starting at $46 | $100 |
 Liberty Home Guard | View Plan | 4.5 | 3 | | Starting at $49.99 | $65 to $125 |
 Cinch Home Services | Learn More | 4.2 | 3 | | Starting at $27.99 | $100 to $150 |
» MORE: Is a home warranty worth it?
Home Warranty of America FAQ
Is Home Warranty of America legit?
Yes, Home Warranty of America is a legitimate company. It’s been in business for over 20 years, and all of its technicians are pre-screened and licensed. The company’s Premier and Premier Plus plans offer substantial coverage for homeowners, and you can opt for affordable add-on coverage that increases the value of your contract.
Where is Home Warranty of America available?
Home Warranty of America is available in all 50 states and Washington, D.C.
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 get a prorated refund, but you’ll have to pay an administrative fee of $30 or 10% of the total plan purchase price.
Does Home Warranty of America require a home inspection?
Home Warranty of America doesn’t require a home inspection. The company also states you will not be denied coverage based on the age of your home, systems or appliances. The only requirement is that your appliances are working and functional at the time of purchase.
Still have questions?
Home Warranty of America Reviews
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Reviewed April 28, 2026
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.
Now HWA and Comfort Air are saying I have to pay an additional $1100.00. I spoke with HWA about this and the person I spoke with says it was not covered even though they were responsible for paying for the coil. I cancelled my home warranty policy immediately and am reporting them to the Federal Trade Commission. I'm filing a complaint against Comfort Air to the LA State Licensing Board for Contractors and the BBB. I also looking for a consumer protection attorney to file suit against both companies.
Reviewed April 28, 2026
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.
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Reviewed April 13, 2026
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!
Reviewed April 10, 2026
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.
Reviewed April 1, 2026
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.
Reviewed March 18, 2026
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.
They denied the claim completely because I didn’t submit the paperwork on time for them. I was having technical problems and called several times to inform them and ask for technical help to send everything on time and could not to. By the time I was able to do it, the work had to be done. This cost me a great deal of anxiety and disappointment. I was still hopeful that they would approve as this was an emergency. I will not recommend this company to any of my acquaintances. For me, this is just a business only, no true compassion or care for the client suffering at home.
Reviewed March 6, 2026
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.
We called the assigned plumbing company to confirm the appointment, but they decided not to come to the house because it was a two-hour drive for them and cancelled the appointment. The second assigned plumbing company was 2.5 hours from our home, and when we called to confirm, they canceled the appointment. The third assigned company was not even a certified plumbing company, and when we explained the problem to them, they told us they were general contractors and couldn’t work on plumbing.
We gave Home Warranty America (HWA) insurance four opportunities to get a plumbing company, and every time they found a company, and we called to explain the problem, they cancelled the appointment, including one of the assigned companies, which were general contractors and could not work on the plumbing. Finally, we got tired of their incompetence, hired our plumbing company, and sent them the estimate. They didn't respond, and when we called them, they refused to pay the estimated amount. Poor communication, poor customer service, and a very, very bad insurance company.
Reviewed March 5, 2026
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.
Reviewed March 3, 2026
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!
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!
Home Warranty of America Company Information
- Company Name:
- Home Warranty of America
- Website:
- www.hwahomewarranty.com