Home Warranty of America Review

Rating: 7.2 / 10 (Very good)
44 Customer Comments & Reviews - see all comments
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Home Warranty of America, Inc. is a home and appliance insurance provider headquartered in Lincolnshire, Illinois. With over 20 years of experience in the business, the company offers quick, innovative, and affordable solutions through their 13-month Home Warranty plans and energy saving options. The company currently holds a B rating with the Better Business Bureau.

How is Home Warranty of America rated?


Contract & Price
Claims & Service

Overall Rating: 7.2 / 10 (Very good)

Home Warranty of America offers comprehensive home warranty plans that cover more than most other basic plans. Although their annual premiums and call service fees are on the higher end, when compared to similar offers, the company does provide excellent additional coverage such as the GreenPlus option, which replaces old systems and appliances with high-efficiency models. With extensive coverages, fitting prices, a flexible cancellation policy, and 24/7 claims processing, Home Warranty of America provides everything a discerning customer could wish for.


Key Facts

Plan Types
Combo Plan
Build Your Own
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
Typical Appliance Benefit Limit
Typical Systems Benefit Limit

Coverage - 7 / 10

Home Warranty of America offers two plans, the Premier and Premier Plus, which include coverage for over 30 items traditionally not covered under basic home warranty plans. The company also provides optional coverage for secondary appliances, saltwater equipment, and even primary and secondary pools or spas. Besides offering a remarkably extensive coverage, HWA also has a GreenPlus plan that allows customers to replace their covered systems or appliances with Energy Star-qualified products. This last option is available for $5.77 a month or $75 a year, which delivers excellent value, considering the amount of water and electricity customers can save using high-efficiency models.

What does Home Warranty of America 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

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Free-standing Ice Makers
  • Trash Compactors
  • Garbage Disposal
  • Stand Alone Freezer


For a full list of Home Warranty of America exclusions, check out this page.

Specialty Items

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

Contract & Price

Contract Details

Annual Premium
Starting at $580
Minimum Contract Length
13 month(s)
Home Inspection Required for Contract?

Contract & Price - 6 / 10

Premiums with Home Warranty of America vary by state, but are generally around $580 a year for their Premier plan, and $695 a year for Premier Plus. Although their annual premiums are on the higher end in comparison with their competitors, they are still within a reasonable range. HWA's plans provide coverage for 13 months, and can be cancelled at any time within the first 30 days of coverage, yet a cancellation fee of 10%, no less than $30, will be deducted from the payment, plus any service fees. Those who wish to cancel after the first 30 days are able to do so but will receive a pro rata refund of the amount paid for the unexpired term, minus service fees and the 10% cancellation fee.

Sample Contract

Home Warranty of America provides a sample contract for potential customers on its website: Home Warranty of America Sample Contract

Cancellation Policy

You may cancel this Contract at any time. HWA may only cancel this Contract due to Your non-payment, fraud, material misrepresentation or breach of this Contract. In addition, HWA may be required to cancel this Contract as a result of a decision or order of a governmental body or a change in laws or regulations. If either You or HWA cancel this Contract within thirty (30) days from the Contract St art Date set forth on Your Coverage Letter and You have not received any Service, You are entitled to a full refund of the amount paid by You under this Contract less a cancellation fee of the lesser of $30 or 10% of the Contract fee (unless otherwise required by state law). If You have not received any Service and either You or HWA cancels this Contract after thirty (30) days from the Contract Start Date, You are entitled to a pro rata refund of the amount paid by You for the unexpired term, less a cancellation fee of the lesser or $30 or 10% of the Contract fee (unless otherwise required by state law). If You have paid in full for the term and You cancel this Contract before the end of the term and You have received Service, You shall be entitled to a pro rata refund of the amount paid by You for the unexpired term less a cancellation fee of the lesser of $30 or 10% of the Contract fee (unless otherwise required by state law) and less any actual Service costs incurred by HWA. If You are enrolled in a monthly payment plan and You cancel this Contract before the end of the term and You have received Service, then You will be responsible for the cancellation fee of the lesser of $30 or 10% of the Contract fee (unless otherwise required by state law) and the lesser of the costs incurred by HWA or the balance due under this Contract.

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 - 6 / 10

Home Warranty of America charges different service fees for each plan, between $60-$100. Though they have a standard 30-day waiting period before the coverage can begin, maintenance records aren't necessary to receive service. HWA states they are not responsible for routine maintenance of systems, appliances, or components. Clients who want those items to remain in working order will have to service themselves. Two excellent things about this company is that they offer 24/7 claims processing and though they require authorization for contractors before providing services, these don't necessarily have to be from their network.

Home Warranty of America Reputation

Company Details

Year Founded
NHSCA Membership
Number of Employees
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews

Reputation - 9 / 10

Home Warranty of America is accredited by the Better Business Bureau and holds a B rating with a composite score of 2.87 out of 5 stars, based on 223 customer reviews. However, the company does have more negative reviews than positive ones and has received a substantial number of complaints, which is in line with general trends in the industry. Home Warranty of America is a member of the National Home Service Contract Association.

Contact & Additional Information

Homepage URL
Company Phone
(888) 492-7359
Headquarters Address
1351 Abbott Ct, Buffalo Grove, IL, 60089
Year Founded

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44 Customer Comments & Reviews

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Bob P
Chicago, Illinois
It's beyond me how HWA stays in business. I have never cared for home warranties but it came with our new home purchase. Their customer service is terrible when it comes to claims and they will look for any excuse to avoid paying out a penny. We, as well as our service contractor, followed their guidelines to the letter and it seemed that the claim was about to be paid but right at the end they said the labor charge was too high and refused the entire claim. They were arrogant when I tried to discus it with them and the same when they called me to try for a renewal and I told them exactly why there was no chance for that to happen.

Linda P
San Jose, California
Do not use this company my heater went out in Nov I called and they recommend a vendor, the vendor never called me I called them back and they tried another vendor who told them they would not come to my area and they had no other vendors. They did offer to me, that I could use my own vendor to repair the unit, but that if I did this the vendor would have to call HWA prior to the repair being made. The vendor called and was authorized to do the work, they told him they would cover everything but the $200 flue (sp?) pipe. I then called to verify what my reimbursement amount would be they told me I needed to have the done and send them a bill once work was completed. I had the work... Read More

Edwin P
Spokane, Washington
Their website states that you will have an appointment within 48 hours of your Fix-it request. My dishwasher was on the fritz, HWA vendor called and could not be out for 10 days, HWA had no back -up repairman, and an OH WELL attitude, They did nothing but inconvenience me and when I asked for my money back all I got was a prorated sum and $30.00 cancellation fee. DO NOT USE THIS COMANY, CHECK OUT OTHER COMPLAINTS

Schertz, Texas
Do not use this company. Claim 2425313. My A/C unit went out in my house during some very cold temperatures. I called HWA, they wouldn't have anyone out for 3 days. They did offer to me, that I could use my own vendor to repair the A/C unit, but that if I did this the vendor would have to call HWA prior to the repair being made. My vendor came out and identified the issue and then called HWA with the item needing to be repaired and the cost. HWA approved the item and the A/C was fixed for 506$ + 59$ service fee. HWA then called me and said they would only reimburse me 151$ because that is what they would have paid. This is after they said they would pay 75$ per hour just for the techs time... Read More

Minneapolis, Minnesota
I'm not sure why this company shoes 3 1/2 stars when all the reviews are negative. I never write reviews, but felt it was necessary because this company is a complete scam. Our furnace went out with temps below zero. They sent one of their companies out to inspect it. The company then made false claims (we know they are false because we've had 2 other HVAC companies come out and give a different diagnosis than the small crappy company they sent out to us). After the inspection, HWA never called us back. We finally got ahold of someone after calling multiple times and they told us our claim is being denied. The keep changing their reasoning as to why it's being denied. We sent them reports... Read More

Paula M
Orlando, Florida
TERRIBLE COMPANY!! Someone came out to "fix" our dishwasher and we paid $100.00. The next time we used our dishwasher it didn't work. Called them and they sent someone else out. I asked them if I would be responsible for $100.00. They said no. The guy came out and "fixed it" again. Never heard from them. I received an invoice on 12/6/17 saying I owed the $100.00. I called them on 12/7/17 telling them that I don't owe the money per the last customer representative I spoke to. I disputed the second charge on 12/7/17 and they "sent it for further review." I called back on 12/15/17 as I hadn't heard from anyone and received another invoice and they said that it was reviewed on 12/7/17 and... Read More

Angela P
Del Valle, Texas
Absolutely terrible, they deserve negative stars. You have no choice in the product repairs or replacement. They required us to pay more than needed because the brand they like to use would need modifications to fit in our home, those modifications were not covered. But they were only necessary because they wouldn't agree to use a different brand that would fit. They also required that we approve non covered repairs with the covered ones or they would not pay the covered ones. Decided to cancel and that was a whole other nightmare that is still going. I did everything write, read the contract, cancelled in writing in the time frame. Called for confirmation multiple time. Called after... Read More

LaShaughnessy R
Clarksville, Tennessee
I just moved into a new home that came with a brand new washer. Turns out for whatever reason the washer is not properly working, but wait! I have a home warranty so this will be okay. Not this case with this company. I have become totally convinced that this company is a fraud and is scamming people out of their money. I wasted the $100 deductible for the repair person to come out. The HWA representative calls back and requests our Home Inspection because she cannot process the claim without it. Well they used my home inspection to deny my claim. HWA says that since the inspection doesn't state the washer was properly working before our claim, they are not going to pay to fix my... Read More

Onalaska, Washington
No venders in rural areas. You find your own, pay in full, submit for reimbursement which takes 4-6 or 8 weeks. Supervisors not available and don't return calls as of yet. Requested cancel with 3 claims open, claims person Felicia called & said if I cancel claims will be closed without pay. I said lets not cancel then I will double pay as I went with different warranty company. Then they cancelled and I talked to Felicia and she said all I need to do is pay for October & the September refund to be reinstated. Now they say upper management is denying reinstatement & I can't get anyone to cooperate. So now I have my attorney involved. All calls are revoreded. I would say do yourself a... Read More

Alexandria, Virginia
Submitted a service repair request for our refrigerator on 24 Sep. The first company comes out, diagnosis the problem and states they need to order a part. HWA contacts us and states the first tech can't work on a "sealed system" and assign to another company. Can't coordinate schedule with second company so it's assisgned to a third company. They come out, come to the sames diagnosis and also state they need to order the part (4-7 days). HWA calls us a states the company #3 can't work on a "sealed system." Whic begs the question - why did they pick them? Now assigned to 4th company who stated that, if they can find the part (they still need to diagnose the problem (required by... Read More

Top Rated
Our Partner
9.7 / 10
  • Far and away the trusted industry leader
  • They have paid out over $1.8 billion in claims in the past 5 years
  • Nationwide network of more than 13,000 contractors
  • More than 1.7 million customers
  • Best reputation in home warranty industry