Home Warranty of America Review

Rating: 6.7 / 10 (Very good)
33 Customer Reviews - see all reviews
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Home Warranty of America Review

Home Warranty of America is home warranty service that offers protection against the rising cost of home system and appliance repair and replacement. HWA provides quality service through a variety of home warranty plans that are designed to meet individual needs and budgets. Home Warranty of America makes maintaining your home’s appliance and systems more cost-effective by helping cover costly repairs. 

HWA provides home warranty services for older homes and does not require inspection prior to approval. It also offers a unique Green Plan that replaces old appliances with energy star compliant products. 


Home Warranty of America offers two basic plans. These are Premier and Premier Plus. Premier is the company’s most basic plan but shares many of the same covered items as Premier Plus. The difference is it does not cover air conditioning systems. Also, Premier Plus extends coverage to include more than 30 items not traditionally covered by home warranty plans, increases toilet replacement to up to $500, and covers plumbing fixtures. HWA offers enhanced coverage with a list of optional items. 

Covered in both plans:

Heating System/Furnace
Water Heater
Plumbing System
Permanent Sump Pump
Electrical System
Garbage Disposal
Built-in Microwave
Trash Compactor
Exhaust Fan
Whirlpool Bath Tub
Door Bells
Ceiling Fans
Central Vacuum
Burglar and Fire Alarm Systems
Kitchen Refrigerator
Washer/Dryer Package


*** Green Plus - Covered system or appliance will be replaced with an ENERGY STAR Qualified Product

• Dishwasher, Refrigerator and Clothes Washer

• Heating System replacement with 90% efficiency model

• Water heater replacement with Tankless Water heater


For a more detailed look at Home Warranty of America’s coverage please check their sample coverage



Premiums are determined by state but are typically $580/year for Premier and $695/year for Premier Plus. This figure comes down if you select an $100 trade call fee as opposed to $75.

Fine Print

You may cancel within 30 days of acceptance of HWA™ if no service request has been made. If so canceled by the contract holder, the contract holder is entitled to a full refund of the contract proceeds less a cancellation fee of the lesser of $30 or 10% of the contract fee.


Final Thoughts - Home Warranty of America

Home Warranty of America or HWA does offer a good services and prices for both their plans. But it lacks coverage for some of the most basic home items including air conditioning or cooling systems, which are only offered in Premier Plus. Adding this on will increase your monthly payments and drive your home warranty premiums significantly higher.






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Latest Reviews

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, Arizona
I purchased a coverage through HWA when I bought my home last fall. On July 2, 2017 my air conditioner stopped working. HWA has "approved" this expense, according to numerous telephone conversations; however, it has now been 22 days and my family is still without air conditioning during the middle of summer. I have two small children at home with special needs, making our home extremely uncomfortable for my entire family. We are at our wits end, and feel like we are being held hostage by this terrible company. BEWARE!!!! They are committing fraud by taking people's money and provide NOTHING but stress in return.

Tim h
Dayton, Texas
This is a follow up to my post last week. So, HWA denied my A/C compressor claim after 12 days of "reviewing the issue" HWA attempted to force a "buy out" offering $680 for a $2400 repair. I called an attorney and sent a note to the states attorney's office to start the formal process in a complaint. The next day, after 7 emails and 6 long waits on hold, in 12 days, to the HWA customer assistance line, an HWA employee calls. The guy states that HWA made a mistake and can have a service technician out to the house to repair the a/c unit in 2 hours. I reply that HWA denied the claim yesterday and that I authorized the $2400 repair out of my own pocket. The guy tells me that I 'MUST... Read More

Philadelphia, Pennsylvania
This company is a cheat. Three years with them and they have denied all my claims. After that I cancelled. After multiple phone calls from them and countless notices in the mail asking me to renew, I called them back. I explained my experience and hesitation to return. They then convinced me to renew and assured me I'd be taken care of. I even upgraded. Two days later my A/C broke. They rejected my claim again saying it was pre-existing and I had a lapse in coverage. My kids and I are sitting here in the middle of summer sweating. Seven claims in all. They always find a technicality to not replace anything. The fact that I have given them my money for 3 years had no bearing and they... Read More

Tim h
Dayton, Texas
I will follow this up but, the short version, Home Warranty of America is horrible. Our Keller Williams realtor suggested we buy the Home Warranty from HWA. Keller Williams gets a kick back from HWA/Direct Energy. A/C went out on 07.03.2017. Nine 9 days later, HWA tells me they wont fix the a/c unit because it has R22 Freon. The repair is $2400.00 HWA is forcing a buy out for $600 on a covered item. They basically are refusing to repair the A/C unit that I paid to be insured. This is a 2013 A/C unit.... HWA purposely dragged out this event to force me to repair the unit myself... 9 days without A/C is the south and 10 days in a Hotel with my family is enough. I just hired a contractor... Read More

Burlington, North Carolina
Buyer Beware. This is a company that will not honor what they offer. They give you the run around and are dishonest. Customer service is the worst and will not allow you to speak to a manager. the kicker here is that when you do what you suppose to which is do maintenance on your Air conditioner unit yearly for preventative this way your unit is running right and you limit the need to have repairs. Then you have a warranty company try to use that against you when you. Telling you that you have an unauthorized repair when you never repaired anything. typical case of trying to get out of what you paid them for. Please enter at your own risk

Rick M
St Louis, Missouri
Purchased HWA warranty with new home through title company. Refrigerator starting having multiple problems and when we called HWA said they had no record of contract. After contacting realtor they straightened it out a few days later. Submitted claim for refrigerator and assigned service contactor came out 3 times and replaced all electronics controllers and blower (took 30 days) and the refrigerator was even worse. The contractor stated it was unrepairable and needed to be replace. Contacted HWA and they said they would review the case after the contractor reported it. Called back next day and they said they needed a second opinion and assigned another contractor. No one has called... Read More

Corona, California
Do not join this company for a home warranty! I moved into my home on May 9th tyred to run dish washer finally found out who we had are home warranty through. We had their recommended appliance specialist come and evaluate that yes dishwaasher not working and took them all of MAYBE 5 minutes. It is now May 25th and still no solution from Home Warrenty of America.

George S
Huntersville, North Carolina
My AC stopped working on Sunday afternoon. I called in the claim and after giving all the info they assigned a local vendor to call me. I was called Monday at 8:00 am, a service tech arrived at 4:30, replaced the capacitor and the fan motor and ac was back on and working at 6:00 pm. Could not have asked for better service. Can't understand all the negative reviews I see. I have been insured with HWA for two years and will renew again

Iris w
Charlotte, North Carolina
That worse warranty company, They are not about the customer, all they do is take your money, and the issue is never resolve, we have AC issues and in a matter of days we have spent close to 500, abd our AC is still leaking, I just completed a complaint to the BBB, they need to conduct a investigation, I'm tired if companies taking advantage of people, please stay away from them!!!!!!

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Independence, Missouri
Without a doubt the absolute worst company I have ever dealt with in my 42 years of home ownership. All you need do is read BBB and all the other reviews as they speak the truth about this company. There needs to be a class action law suit filed against Home Warranty of America.

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