Home Warranty of America Review


Rating: 7.2 / 10 (Very good)
42 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?

Breakdown

7/10
Coverage
9/10
Reputation
6/10
Contract & Price
6/10
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.

Coverage

Key Facts

Plan Types
Combo Plan
Build Your Own
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
$1,000
Typical Appliance Benefit Limit
$1,000
Typical Systems Benefit Limit
$1,000

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

Exclusions

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?
No

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

Claims

Maintenance Records Required for Service?
No
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
1996
NHSCA Membership
Number of Employees
201-500
BBB Rating
B
BBB Rating
4
BBB Neutral Reviews
7
BBB Negative Reviews
189

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
1996

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42 Customer Comments & Reviews

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E
Edward S
8/20/2015
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


P
Paul N
Philadelphia, Pennsylvania
6/9/2015
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--



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 1.6 million customers
  • Best reputation in home warranty industry