HomeGuard HomeWarranty Review

Rating: 5.6 / 10 (Average)
5 Customer Reviews - see all reviews
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HomeGuard, Inc. is a California-based company that provides home warranty services for both homeowners and real estate professionals. The company offers a broad range of plans and prices and provides quality customer service both online and over the phone. HomeGuard guarantees customer satisfaction for every repair carried out by their reliable, pre-screened sub-contractors.

How is HomeGuard rated?


Contract & Price
Claims & Service

Overall Rating: 5.6 / 10 (Average)

HomeGuard HomeWarranty, Inc. provides standard warranty coverage at an industry-standard price. The company only does business in Arizona and California. Though it does cover problems for systems and appliances that have been improperly installed, the company does charge extra to cover refrigerators, washers, or dryers.


Key Facts

Plan Types
Benefit Limit Type
Per Item
Typical Appliance Benefit Limit
Typical Systems Benefit Limit

Coverage - 6 / 10

Unlike many of its competitors, HomeGuard covers claims caused by an existing defect or mechanical failure of an appliance or system that was improperly installed, repaired or modified before or during the contract term. The company's standard plan covers most kitchen appliances, but does not cover refrigerators, washers and dryers. Coverage for those appliances can be purchased for an extra cost.

What does HomeGuard cover?

Covered Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Instant Hot/Cold Water Dispensers
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pumps
  • Telephone Wiring

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Trash Compactors
  • Garage Door Openers
  • Garbage Disposal
  • Stand Alone Freezer


For a full list of HomeGuard exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $330
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
Online Quote/Application

Contract & Price - 5 / 10

The company's minimum annual premium of $345 for coverage of a single family home without air conditioning is competitive with industry standards. Mid-range and premium plans can be purchased for homes with central air conditioning systems for $460 and $565, respectively.

Claims & Service


Maintenance Records Required for Service?
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
30 days

Claims & Service - 5 / 10

The company's claims center can be reached by phone 24/7/365. HomeGuard promises that customers who call will be contacted by a repair technician within 24 hours. The deductible for a service call is $65, which is in line with industry norms.

Sample Contract

HomeGuard provides a sample contract for potential customers on its website: HomeGuard Sample Contract

Cancellation Policy

HomeGuard HomeWarranty will only allow a plan to be cancelled due to non-payment of contract fees, fraud or misrepresentation of facts by the customer, when contract is for Seller’s coverage and close of escrow does not occur, or if the customer harms or threatens the safety or well-being of HomeGuard, their technicians, contractors, or property. If the contract is canceled, the customer will be entitled to a pro-rata refund of the paid contract premium for the unexpired term, minus a $35 administrative fee and any service costs incurred by HomeGuard HomeWarrany Inc. Upon renewal, the contract is non-cancelable except for non-payment of contract fees, fraud, or misrepresentation of facts.

HomeGuard Reputation

Company Details

Year Founded
NHSCA Membership
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 6 / 10

HomeGuard HomeWarranty, Inc. is accredited by the BBB and has an A+ rating, though it doesn't really have enough reviews or complaints to enable allow any reputation conclusions to be drawn. The company has been in business since 2005, which makes it one of the newer players in the home warranty industry.

Contact & Additional Information

Homepage URL
Company Phone
(408) 280-5697
Headquarters Address
510 Madera Ave, San Jose, CA, 95112
Year Founded

Top Rated
Our Partner
9.7 / 10
  • Far and away the trusted industry leader
  • They have paid out over $3 billion in claims in the past 5 years
  • Nationwide network of more than 13,000 contractors
  • More than 1.6 million customers
  • Best reputation in home warranty industry

Latest HomeGuard Reviews

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, Pennsylvania

This company is terrible. I called about my A/C not working. They sent their repair man out to fix it. 1 week later it goes out again, and again they sent their repair man to fix it. 3 weeks later it goes out again only this time it's leaking water all over my brand new carpet!!!! I called them to tell them the problem. They said they would get ahold of their repair man and call back to set up an appointment. 3 days no call and my carpet is getting more and more soaked!!!! And we have no working A/C. My contract is up in Oct and I'll definitely be taking my business to a different company.

Fountain Valley, California

this home warranty company is fantastic. quick and efficient service. people that are complaining need to know what they are buying and what's covered. most complaints seem to wants something fixed that was either not working at close of escrow or was not covered under the policy that they purchased. this company has really been great for me.

Murph W
Ventura, California

This outfit is a waste of money. The escrow company (Homestead Escrow) used in our last property transaction took out a home warranty policy, with HomeGuard, to cover unforeseen problems. Out of two clearly stated areas, they have denied any responsibility. In other words, they cover nothing. I was forced to select, at least, 1/2 star to have this posted.

Chris M
Long Beach, California

I had a great experience with this company. My client purchased their home and it required tenting for termite treatment. The gas had to be turned off. The Gas Company then has to turn it back on. Unfortunately the Gas Company now "Red tags" a majority of all inspections so that a HVAC contractor assumes the liability of any repairs minor or major. All Home Warranty companies will not cover any red tagged equipment. Home Guard does will for $25! I contacted Danielle Nelson and she made it happen. It was a minor repair and everyone is extremely happy! Thank you Danielle!

David H
Grove City, Ohio

Waste of money. Do not purchase it. While it does cover a vast majority of repairs, you have to use their contractors or contact them before any repair is done. Which is counter productive in an emergency. We recently had to repair a garage spring. We couldn't wait for them to come out as we needed to get in and out of the garage. Found out after the fact that they don't reimburse for repairs. I would hate to think what would happen if the sump pump was failing or another serious issue.

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