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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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

Alicia A
San Francisco, California
This company does not care about their customers. I have a claim open for an oven repair for the past 6 months and still my appliance is not working and they will not replace it. They claim they have no time limit to replace an appliance. This is NOT acceptable, they either need to finalize the repair or replace my appliance. I would not recommend them at all it's a waste of money!

Jamie M
Ferndale, California
This is the worst company I've ever dealt with! I'm still waiting for $179 since last August. They just sent me a check do to me last June. The electrician they just sent out two months ago still hasn't been paid I had to pay him $100 today. God knows if I'll ever get that money back My hot tub people won't deal with them anymore and they're really the only hot tub people in town. It's called some guy from 100 miles away to come look at my hot tub who had told me to do just the opposite of what the people who put it and told me to do. I paid for my own service person to come out and he had fixed with on 10 minutes. There a hot tub person told me I needed electrician. Nothing but... Read More

Susan K
Minneapolis, Minnesota
BAD! DO NOT BUY. They will snake out of any problem. We are filing our case against them today with MN attorney general.

Fort Wayne, Indiana
There is absolutely no communication here when it comes to customer service! They tell you they will call you back and never do (this has happened on multiple occasions) they tell you your provider will be out to fix whatever problem there is and they never show and don't even have to courtesy to call and let you know they arent going to make it! We were told the provider would be out two separate occasions in one day regarding our plumbing problem we were having and they never called and never came! We have 3 small children and can't flush toilets or run baths! This isn't the first time we have had horrible service! I would say an issue like this is an emergency! They will do... Read More

J.d. K
Atlanta, Georgia
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

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