Home Warranty of America Review

Rating: 7.2 / 10 (Very good)
44 Customer 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

Top Rated
Our Partner
9.7 / 10
  • Purchase today and save $45 - Limited time offer
  • 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

Latest Home Warranty of America Reviews

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

Michael W
Virginia Beach, Virginia

In the two claims that were made, the first was a leaking bathtub that was causing water damage to the bottom floor ceiling of my home. The plumber that was sent out to the house incorrectly diagnosed the cause of the leak, I ended up purchasing the necessary equipment to fix the tub and performing the maintenance myself, a wasted 100 dollar deductible. The second time was another plumbing issue, this time the plumbing company that responded did a great job with my kitchen sink. However, the largest and most egregious of instances that occurred during my time with this warranty company was when they took $45.95 from my account and refused to refund me my money when I told them I no... Read More

Boise, Idaho

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
Baytown, 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
Baytown, 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!!!!!!

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.

James B
Manassas, Virginia

The level of incompetence, lack of professionalism, and genuine disregard for the customer is astounding. I've never had such a poor experience with customer service! The time it takes to file a claim and have an issue repaired is unacceptable and the majority of the contractors HWA works with are subpar at best. Save your money and go with American Home Shield.

Sun Valley, California

Worst Customer Service I ever had!!!!!! Took 9 different vendors and 2 months to fix my microwave. DO CONSIDER THIS COMPANY!!!!!

Wylie, Texas

This company has the worst customer service and follow through of any company. You cannot speak to a supervisor, nor to the same person you spoke with last time. This means that the first 5 minutes of your call are spent bringing the new person up to speed. Plus, if you complain at all, then you will get even worse service. This is the only company that I have been hung up on multiple times, and even told that they need to get to other, more important customers. I have a water heater that went out, their contractor was going to take a week to replace, and so they gave me approval to use my own plumber but now refuse to cover the cost. Their contractors do not respond in appropriate times... Read More

New York, New York

I am completely astonished that a company like this can or is allowed to stay in business. We have been without a refrigerator for 6 weeks now and still waiting. Very hard with 4 kids. First it took a week to send someone out and the company they sent has a 1 star rating. We then had to send in proof of our home inspection 3 different times. Another week lost. Then it took a week to get the approval for the parts to be ordered. After we finally got the approval to order the parts from HWA the company they selected tried to tell us that HWA was not going to cover all of the parts and that we need to pay them for the parts. Another week lost to get that cleared up. You would be much better... Read More