Home Warranty of America Review

Rating: 6.7 / 10 (Average)
10 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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Maple Valley, 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.

Susan, Smith
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 Cooper
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

Tiffany Swoveland Chapman
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.

Houston, Texas
Do NOT purchase this coverage if you are moving into a new home. We moved and filed 3 claims, one for the washer/dryer and one for the oven. All 3 claims were denied. They said the oven was installed incorrectly and that the washer and dryer broke due to normal wear and tear and weren't listed on the inspection so they can't verify that they worked before. I am your customer, how is my word not good enough when I tell you they worked?!? I asked to speak to a supervisor, and she kept saying they had no way of knowing if they worked. Yes, you do, I because I’m telling you they did! It's been 2 months since we moved, I asked how long they will refer back to the inspection rather than taking... Read More

Jo-Dee G.
Kelseyville, California
I would give this company MINUS 5 stars, if possible. I have had them for several years and should have dropped them years ago. They have the worst vendors and service of any home warranty company I have used in the 30 years I have used various home warranty companies. We have had their vendors steal our well pump when they were supposed to be fixing it (HWA did nothing), they never are willing to replace, but prefer to jeri rig older equipment just to get it to work for awhile, etc. but this last issue was the last straw. In the middle of winter we had a water heater fail. Placed a service call to HWA and the first vendor never returned our call. Second vendor told us he knew what... Read More

Tulsa, Oklahoma
We do a bi-annual service of our AC and furnace to make sure everything is okay and fluids are where they should be. The technician during one of those services noticed an issue. We called HWA to see if that part was covered. They said "yes". After a month and a half of their claim technicians missing two appointments and failing to call back to do make-up appointments, we finally got a HWA service person out to our house. Then we found out that the part wasn't actually covered as we were previously told on the phone. Now were are out the discount from the bi-annual service with a month and a half of wasted time. If you want the run around with bad customer service and technicians who... Read More

Edward S
Mabank, Texas
We bought a house built in 1975 & had it inspected before closing. The seller offered to buy a home warranty & we selected Home Warranty of America. We decided to remodel the entire house & did not move in until June. During the month of May workers were in the house & needed the air-conditioning to cool down. The air was not cooling properly so I contacted the warranty office per their instructions. It took a couple of days before warranty office called back & set us up with their contracted air conditioning company. They called a couple of days latter & told us when they would come the next day. So, several days had gone by before they arrived at 7 pm in the evening. I told them the... Read More

Paul Naylor
Philadelphia, Pennsylvania
It says no home inspections ? WRONG they are liars - fought with them over my dishwasher for 12 month - now fridge is not working and they want me to keep paying a $75.00 deductible after the first tech said fridge has a bad contaminated system. They cannot find anyone to work on my fridge. This is THE WORST company to go with. I have owned 4 different houses and had different warranty companies in the past -- STAY CLEAR OF THIS COMPANY --DO NOT TRUST--THEY LIE--

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