Home Warranty of America Review

Rating: 6.7 / 10 (Very good)
15 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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J.d. K
They sent a service contractor to service my oven. When the guy got here, he told me he fixes appliances but would rather paint my house. He charge me the $75, tinkered with my oven but did not fix it. He didn't even replace the burned out bulb -- telling me I could easily find a bulb at any Supermarket if I didn't want to have to wait for him to go and get one. When I called the company, they said their policy is they would have to have him return for no service fee or I would have to pay another service fee for another provider. They would not stand behind the fact that they sent an inapt unethical person to my house. Do not do business with this company! There are plenty other reputable... Read More

New Orleans, Louisiana
I HAVE BEEN WITHOUT AIR CONDITIONER SINCE LAST THURSDAY , HAD APPOINTMENT FOR SOMEONE TO COME ON YESTERDAY FOR 1 PM DIDNT GET THERE , HAD TO GO BACK TO WORK , THEN I CALLED HOME WARRANTY TO FIND ANOTHER VENDOR , CAME OUT YESTERDAY EVENING , FOUND THE PROBLEM, JAN 31,2017. CALLED THE TECHINAN TO FIND OUT WHEN ARE YOU GOING TO BRING TO PARTS AND FIX THE UNIT. HE CLAIMS THEY ARE WAITING ON HOME WARRANTY Approval to get the parts . now its 2.30 pm Feb 1,2017 haven't heard anything . I called Home Warranty to find out how long , she claims 24 to 48 hrs. which today is wenesday. that really Sucks , cause it is starting to get HOT, also this super bowl weekend . I may have invite people over ,... Read More

Enumclaw, Washington
DO NOT use this company. They are crooks and I guarantee you will regret it. We were given a 1 year home warranty by our realtor. We were so excited to have received this gift until we needed their services. Please do your homework, DO NOT use HWA, choose one of the top 5 listed here.

Carmel, Indiana
I have had HWA for 3 years. I have seen a decline in their vendors which is why i am giving them a 3 1/2. I have never had an issue with a denied claim or had to wait a long time to get anything fixed. I think i have had EVERY appliance either fixed or replaced including a/c, hot water heater, dishwasher, washing machine, refrigerator, water softener, heater, disposal, plumbing, electrical. Know what you are getting into. if you can fix the drip in the faucet, save the $75. Read your contract before you call!!! Ask for the same vendor. Call the vendor and see if they are still with the company and then call HWA and ask for them. Be smart and you will get the best service.

Spring, Texas
Paid $780 on 7/23 for coverage. On 9/23 we moved in and found the $6,000 oven broiler did not work. The part could not be replaced. They "accidentally made an accounting error in October" and cancelled my policy. Maximum coverage is $2,000 - yet they insist the payout amount is only $136. Nor will they refund my money. They NEVER call you back - but say they will. DO NOT USE! Put these fraudsters out of business. I am taking them to court.

Susan, S
Do not recommend company for the following reasons: - Have to pay $100 for an A/C technician to come up with HWA. It would have been free to get a quote if I didn't have HWA to have a company come out to diagnose the issue. - Other issues cost at least $60 for someone to come up to inspect an issue. It's less expensive to call someone directly than deal with HWA. - My A/C didn't work effectively (taking 6+ hours to cool down 4 degrees), and HWA refused to cover any A/C repairs. - When I attempted to cancel my contract within 30 days, HWA did not give me a full refund. They only refunded me 60% of the total cost. - When I attempted to cancel my contract, I had to call HWA at least five... Read More

Dedra J
Do not waste your money with this warranty program. This policy does not help the homeowner. After a few claims with this company, I've had nothing but bad experiences. Their game is to have their exclusive contractors use language in their service reports for items that fall in the uncovered category so they don't have to pay. Here's my best example: My A/C compressor ground out while still under manufacturer's warranty (only 2 years old). Using HWA's contractor, there were uncovered costs of $870 - items such as "modifications" and "maintenance" that were not covered by warranty bug necessary to install the replacement compressor. However, I came out better (paid less) bypassing HWA... Read More

Iris C
This company is unethical and unprofessional. My air conditioner wasn't working properly and I called them for a service call. The first technician diagnosed the problem wrong twice ($120) and I asked for a 2nd opinion. The next technician (another $60) said that my AC-furnace was shot and dangerous due to electrical problems. Yhe first technician never even looked at the furnace. Water was in the unit and on the floor. He sent in a report explaining the problems, and after 1week of 95 degree weather, they refused to fix it because it required a "modification". An older AC that uses freon requires a modification and they don't approve modifications. I just bought this house and no one... Read More

Terri L
Consumers should be aware HWA uses misleading terms. Policies available for coverage are a Diamond, Platinum, & Gold policy. In the policy or when a claim is filed you will learn that some coverages are only covered by "Premium Coverage." The terms for coverage do not indicate Gold, Platinum, or Diamond, but a description called Premium Coverage. You will sadly find out Diamond is only what HWA defines as "Preminum." I will never again use this company.

Tiffany S
Kansas City, Missouri
This warranty company is TERRIBLE to work with. Very time-consuming and incompetent. They don't have good vendors to do the claim work because they can only get bad vendors to work with them. Many of the vendors have denied work orders because they don't want to work w/ this company any more. Every time I call about a claim, I have to wait on hold for more than 30 minutes, I get disconnected a lot, and I get a different answer depending on who answers. I would NEVER recommend this company.

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