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.

Pros
  • High coverage limits
  • Nationwide coverage
  • Pre-screened technicians
Cons
  • Waiting period for coverage to start

Helpful Reviews

Slidell, LA
Verified purchase
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 ...

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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 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:

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.

» MORE: How much does a home warranty cost?

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.

How does Home Warranty of America compare?

The table below shows how Home Warranty of America compares to other home warranty companies.

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.

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Home Warranty of America Reviews

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    Page 1 Reviews 0 - 10
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    CoverageTechStaff

    Reviewed May 31, 2026

    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.

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    Reviewed May 26, 2026

    This company is fraudulent in my opinion and they do not want to pay claims.

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      Claims HandlingTechSales & MarketingPunctuality & SpeedMaintenanceStaff

      Reviewed May 13, 2026

      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.

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      CoverageTechPriceRates

      Reviewed May 12, 2026

      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.

      An separate contractor has no problem finding parts but they will barely cover 50% of retail for the part. So effectively they are selling me coverage on a system that they can not replace and are only offering a fraction of the price because they say they can get parts for a fraction of the price....How exactly can you undersell a part that you can't even replace????

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      CoverageTechRefunds & PayoutsHonesty & Transparency

      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.

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      CoverageTechStaff

      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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      Customer Service

      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!

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      Customer ServicePrice

      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.

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      TechSales & MarketingTimeliness

      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.

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      Customer ServiceContract & TermsCoverageTechPricePunctuality & SpeedMaintenanceStaff

      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.

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        Home Warranty of America Company Information

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