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HomeServe vs. Home Warranty of America

Compare coverage, cost and reviews

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Written by Matt Zane
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Edited by Jon Bortin

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Personalized home warranties from multiple providers

HomeServe and Home Warranty of America are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.

HomeServe works well for homeowners seeking specific coverage options. Its a la carte pricing lets you select only what you need — ideal for condo owners who need appliance protection or homeowners wanting coverage for selected critical systems.

We recommend Home Warranty of America to those looking for comprehensive coverage. Plans from HWA cost more but offer more well-rounded protection. The company also has higher coverage limits than most in the industry, so you may wind up paying less out of pocket should you need repairs.

HomeServe vs. Home Warranty of America plans and pricing

Home warranty companies generally offer varying levels of coverage, but how companies separate their plans can be very different. Many companies split up coverage for appliances and systems.

Home warranty plans can be divided into three categories:

  • Appliance plans cover common home appliances, including washers, ovens and refrigerators. Most appliance plans do not cover home electronics, including televisions, but some companies offer electronics coverage for an additional cost.
  • System plans typically include coverage for your home’s plumbing, electrical and HVAC systems.
  • Combo plans cover both systems and appliances, though not all combo plans provide the same level of coverage.
Take a look at what you want your plan to cover. If your appliances are new and covered under a manufacturer’s warranty, you can save money by choosing a plan that only covers your home’s systems.

Pricing for home warranty plans typically depends on your choice of service fee, which is your out-of-pocket cost when filing a claim. Choosing a lower service fee increases the plan's cost. If you don't expect to make many claims, a higher service fee might save you money overall.

Here's a breakdown of the cost of HomeServe and Home Warranty of America plans based on the service fee you choose:

HomeServe pricing

HomeServe is unique among home warranty companies. It has no service fee and offers no add-ons. Instead, it has 17 plans — far more than the standard one to four that most companies offer. With the company’s a la carte style of coverage, you can combine plans that best suit your needs. Monthly pricing for three of its plans is shown below.

Home Warranty of America pricing

You can select a service fee of $75 or $100 from Home Warranty of America. The monthly pricing in the plans below is based on a $100 service fee — we were unable to get a quote for the lower service fee, but we assume it’s a higher monthly rate.

Home Warranty of America offers a discount when you pay annually rather than monthly:

  • Premier plan: $550.00 per year
  • Premier Plus plan: $700.00 per year

*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.

HomeServe vs. Home Warranty of America coverage

HomeServe and Home Warranty of America both offer a range of plans designed to protect your home's systems and appliances, but there are some notable differences in their coverage options.

HomeServe offers 17 that cover various appliances and systems around your home. You can combine multiple plans to get all the coverage you need. We cover three of HomeServe's plans in the table below, but there are many more to choose from.

Home Warranty of America offers two plans, each offering coverage for both systems and appliances in your home.

HomeServe vs. Home Warranty of America add-ons

HomeServe and Home Warranty of America also offer additional coverage options. These add-ons allow you to customize your home warranty coverage, ensuring that your plan includes protection for items that may not be included in the standard packages.

HomeServe add-ons

HomeServe does not offer add-ons, unlike most other home warranty companies. Instead, it offers 17 plans that you can combine to get the coverage you want. It's a unique system that allows you to pay for what you need without requiring single-item add-ons.

Home Warranty of America add-ons

You can choose up to 10 add-ons to customize your plan with Home Warranty of America. Some of the most popular add-ons’ monthly costs are listed below:

HomeServe vs. Home Warranty of America reviews and ratings

We looked at thousands of reviews from real home warranty customers. Here’s what home warranty shoppers care about most:

  • Technicians: Reviewers often mention the quality of a company’s in-network technicians. This typically relates to how quickly and adequately technicians identify and resolve issues with a home’s systems and appliances.
  • Customer service: Being able to reach a representative easily and resolve account issues efficiently are the hallmarks of good customer service. Customer service reviews also frequently mention how knowledgeable and polite the company’s representatives are.
  • Claims handling: Reviews about claims handling usually revolve around two things: speed and convenience. When customers complain about a poor claims process, it often relates to a slow response time for home repairs or a complicated system for submitting claims.
  • Coverage: Reviewers who discuss coverage typically mention how well a home warranty company honors its contract (in the reviewer’s opinion). A denied claim or an unsatisfactory coverage limit frustrates customers and leads to poor reviews.

Below we break down what percentage of HomeServe and Home Warranty of America customer reviews over the last year mentioning one these four important factors reflected a happy or satisfied customer. The closer a company is to a 100% satisfaction rate, the better it is in that area.

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