Home Warranty Inc. Review

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Home Warranty Inc.

Home Warranty Inc.

overall rating

Our Take

Home Warranty Inc. has its roots with a service business owner turned warranty provider. They understand the needs of homeowners and how to best help make the process easy. On top of it, their annual plan is actually 14 months, making it a great deal for the coverage.

Based on our review of over 20 home warranty providers, Home Warranty Inc. was not one of the best companies we found. To see other options that may be better, visit our list of the best home warranty companies.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
What We Like
  • "A" BBB rating

  • Customers can choose their own local contractor*

  • Coverage for unknown pre-existing conditions**

  • Zero deductible Appliance Protection Plan

  • 14-month service contract comes standard

  • Cash-out option*** 

  • Live call answering during business hours (8 a.m. to 5 p.m. CST Monday to Friday)

  • Competitive appliance cap

What We Don't Like
  • Aftermarket, off-brand, used, remanufactured, or reconditioned parts may be used in repairs

  • Optional coverage added after the initial purchase has a 30-day waiting period

  • Limited coverage to 30 states

*If you choose your own contractor, the contractor must be approved by the company before repair work begins.

**Coverage for unknown pre-existing conditions only applies if you have a qualified home inspector inspect your home and then submit this inspection to the company.

***You have the choice of taking a cash-out option if you’d rather apply the cash toward the purchase of a new appliance rather than have the faulty one repaired.

Key Takeaways
  • Home Warranty Inc was founded by the owner of an appliance repair business, so know how to get repairs done professionally  
  • Coverage from Home Warranty Inc lasts for 14 months—longer than average  
  • All contractors performing work under a Home Warranty Inc home warranty must first be approved by the company 
  • Home Warranty Inc has an A rating from the BBB and a 4.5-star rating based on customer reviews 
  • Home Warranty Inc only has a 30-day waiting period for optional add-on coverage
  • Year Founded 1999
  • Coverage 30 States
  • Customer Service 24/7 online or by telephone (877-977-4949)
  • Waiting Period 30 days, Day of closing for buyer coverage
  • Contractor Network Customers choose their own local contractor
  • Service Recall Period 30 days
  • Number of Plans 3 homeowner plans. 2 real estate plans.
  • Coverage Limit $15,000 per contract term and $5,000 per covered item Additional payment caps exist (see payment cap section above)
  • Contract Length 14 Months
  • Payment Options Repair, replacement, or cash payment
  • Cost $75 Service Fee; $300 to $500 yearly Appliance Protection option price depends on options you choose
  • Official Website https://www.homewarrantyinc.com/

Home Warranty Inc. is a home warranty provider in 34 U.S. states and has customizable coverage homeowners and real estate agents. The service agreement is 14 months long, compared to the 12-month contract terms of most home warranty providers. 

The company was founded by the owner of an appliance repair business, so you can count on their knowledge and experience to get repairs done professionally.

We examined the company carefully including its plan options, pricing, exclusions, payment caps, BBB rating, and more to help you determine if you should consider purchasing one of its home warranty plans

Company Overview

Home Warranty Inc. was founded in 1999 by the owner of a successful appliance repair business. It is headquartered in Rock Rapids, Iowa, and serves residents of 34 states. The company stresses the fact that customers are allowed to choose their own local contractors in an effort to handle repair requests more quickly. It also offers live customer claim support 24/7 with live call answering during business hours (8 a.m. to 5 p.m. CST; Monday to Friday). States served by Home Warranty Inc. include:

  • Idaho
  • Montana
  • North Dakota
  • South Dakota
  • Nebraska
  • Colorado
  • Kansas
  • New Mexico
  • Oklahoma
  • Texas
  • Minnesota
  • Iowa
  • Missouri
  • Louisiana
  • Arkansas
  • Georgia
  • Wisconsin
  • Illinois
  • Michigan
  • Indiana
  • Ohio
  • Kentucky
  • Tennessee
  • Mississippi
  • Pennsylvania
  • Delaware
  • Maryland
  • Virginia
  • West Virginia
  • North Carolina
  • South Carolina

Homeowner Plans

Home Warranty Inc. offers three homeowner home warranty plans: Home Protection Plan, Appliance Protection Plan (pick your own options), and the Supplemental Home Protection Plan. Optional coverage is available at an additional cost: pool/spa, well pump, jetted bathtub, plumbing stoppages, water softener, ice maker, and septic system pumping/septic tank, pump.

The Appliance Protection Plan allows you to pick your own options. You only pay for the options you choose. There is no deductible or trade service fee on the Appliance Protection Plan. There is a $75 trade service fee for other plans.

COVERED Home Protection Plan Supplemental Home Protection Plan Appliance Protection Plan (options available)
Heating units  
Cooling units  
Air exchanger  
Interior plumbing    
Interior electrical wiring    
Water heater
Sump pump    
Garage door openers  
Unknown pre-existing conditions    
Kitchen refrigerator
Built-in or over-the-range microwave
Central vacuum  
Garbage disposal  
Range/oven/cooktop stove
Air-to-air heat pump    
Annual furnace inspection    
Air conditioner    
Trash compactor  ✓  ✓
Stand-alone freezer    
Wall oven    
Water softener    

Real Estate Plans

Seller Listing Plan Coverage

Seller coverage begins on the day of sign-up and continues for 180 days, home closing, or cancellation/expiration of the listing. Seller’s coverage is designed to cover homes that are involved in a real estate closing and protects the seller against any liability from unknown defects buyers find in a home after purchase, covering those repairs. At the company’s discretion, the coverage may be extended if the closing does not occur within the 180-day period.

Option Cost
Pre-paid seller heating, air, and water heater (no inspection required) $75
Seller heating, air, and water heater (upon satisfactory inspection by a professional heating and cooling contractor) Free
Extra heating unit $50
Extra cooling unit $50
Extra water heater $50

Buyer Closing Coverage

Buyer closing coverage is a customizable policy that homebuyer can obtain in the process of closing escrow. This coverage is ordered during escrow and begins on the day of the house closing and continues for 14 months.

Option Cost
Enhanced HVAC Plus $100
Buyer Premium Upgrade $50
Pool $200
Spa $200
Pool/spa with shared equipment $200
Well pump $85
Jetted bathtub $60
Plumbing stoppages $75
Water softener $30
Ice maker $30
Septic system pumping/septic tank, pump $75
Extra heat pump $120
Extra heating unit $60
Extra cooling unit $60
Extra water heater $50

Homeowner Plan Pricing

The cost for the Home Protection Plan for all states is $550 per year. The cost for the Supplemental Home Protection Plan for all states is $300.

Home warranty coverage from Home Warranty Inc begins immediately—there’s only a waiting period with optional add-on coverage.

The Appliance Protection Plan costs depend upon the options you choose. Pricing options are per month. By choosing all the available options, your monthly cost for the appliance protection plan would be $93.

Appliance Protection Plan Option Cost
Furnace $7
Air-to-air heat pump $14
Annual furnace inspection $5
Air conditioner $7
Water heater $5
Trash compactor $5
Over-the-range microwave $5
Refrigerator $5
Stand-alone freezer $5
Dishwasher $5
Range/stove $5
Cooktop stove $5
Wall oven $5
Washer $5
Dryer $5
Water softener $5

Optional Coverage for Homeowner Plans 

The pricing for Optional Coverage is an annual cost for each additional item. Additional items may be added to the Home Protection Plan and the Supplemental Home Protection Plan. The additional price is per year.

Option Cost
Pool $200
Spa $200
Pool/spa with shared equipment $200
Well pump $85
Jetted bathtub $60
Plumbing stoppages $75
Water softener $30
Ice maker $30
Septic system pumping/septic tank and pump $75
Extra heating unit $60
Extra cooling unit $60
Extra heat pump $120
Extra water heater $50
Extra appliances $30 each

Two upgrade packages are available. If you add optional coverage after the initial order period, there is a 30-day waiting period for coverage to begin.

Enhanced HVAC Plus (Add $100): 

  • Doubles HVAC: limit of up to $5,000 per contract term
  • Condensate pump
  • Crane use: limit of up to $250
  • Failures due to lack of routine maintenance
  • System compatibility modifications: up to $500 limit
  • Refrigerant charging: limit of up to $20 per pounds
  • Labor for items covered under manufacturer’s warranty
  • Haul away
  • Disposal

Buyer Premium Upgrade (Add $50)

  • Haul away
  • Disposal
  • Code violations/permits: limit of up to $250
  • Expansion tanks
  • Failures due to lack of routine maintenance
  • Failures due to rust/corrosion/sediment
  • Toilet replacement: limit of up to $200
  • Dishwasher racks, rollers, baskets
  • Rotisseries
  • Appliance handles and knobs
  • Bathroom exhaust fans
  • Window AC units

Protecting all of your appliances through Home Warranty Inc. would cost about $93 per month.


Exclusions obtained from the sample contract.

  • Heating and cooling units: Portable or window units; solar heating systems; pellet, corn cob or wood stoves; radiant cable heat; or fireplaces and associated components; chimneys; outside or underground piping; circulation components or redrilling of wells for water source heat pumps; fuel storage tanks; expansion tanks; filters; timers; heat lamps; humidifiers or dehumidifiers; condensate drain pump; flues and vents; improperly sized or mismatched systems; cleaning and maintenance; free-standing or gas log systems, including gas supply lines; flue dampers; pressure regulators; computerized energy management systems; gas air conditioning systems; electronic air cleaners; water towers; roof jacks and stands; chillers; any system with asbestos; heat recovery units; interconnecting refrigerant lines; water pumps; water cooling towers; pre-coolers; insulation; concrete pads; costs related to leak test, or recapturing refrigerant; baseboard, casings, registers, and radiators tied to boiler systems; use of cranes; costs associated with replacing non-failed parts to bring a system into compatibility (including conversion to R410a); and units located in detached garages.
  • Air exchanger: Filters; and low-voltage remote control systems.
  • Ductwork: Concrete encased or inaccessible ductwork.
  • Water heater: Solar water heaters and components; thermal expansion or holding tanks; noises; odors; color or purity of water; flues and vents; insulation blanket; and failures due to sediment build-up; hot water dispensers
    are considered secondary water heaters and are not covered unless optional coverage is purchased; combination water heaters/boilers and components unless purchased as a secondary heating unit.
  • Interior plumbing: All plumbing in or under the ground, foundation or slab; all piping and plumbing outside the perimeter of the foundation; stoppages; water softeners; well pumps and associated systems (unless optional coverage is purchased for these items); septic systems; gas lines leading to non-covered items; faucets and fixtures (including but not limited to bathtubs, shower bays, sinks, toilets, bidets); caulking or grouting; pressure regulators; inadequate or excessive water pressure; flow restrictions in freshwater lines caused by rust, corrosion or chemical deposits; sewage ejector pumps; holding, pressure, or storage tanks; saunas or steam rooms; lawn or fire sprinkler systems; water purification systems; drains or drain line check valves; in-floor heat systems; circulating pumps; and backflow preventers.
  • Interior electrical wiring: Fixtures; direct current wiring, components, or systems (including but not limited to doorbell systems, alarm systems, intercom or speaker/stereo systems, carbon monoxide and fire alarms and/or detection systems, batteries, telephone systems or wiring, touchpad assemblies, timers, low voltage household wiring); wiring outside the confines of the foundation or in a detached garage/building; wiring or electrical system components servicing additional or optional items for which no coverage has been purchased; heat lamps; load control devices; wall, bathroom, attic, exhaust, or whole-house fans; failures and conditions caused by inadequate wiring capacity, circuit overload, power failure/shortage or surge; corrosion caused by moisture; appliance management systems or computers; and data wiring.
  • Sump pump: Sewage ejector pumps or lift stations; any unit located outside the covered property; and backup battery power supply and pump.
  • Garbage disposal: Failures due to stoppages.
  • Central vacuum: Hoses, receptacles and attachments; inadequate capacity; piping; and blockages.
  • Garage door opener: Batteries; damage caused by door malfunctions; door assemblies (including, but not limited to, door panels, tracks, rollers, hinges, cables, and springs); frequency interference; touch or keypads; reprogramming; failure caused by improper installation; and counterbalance mechanisms.
  • Trash compactor: Lock and key assemblies; and removable buckets.
  • Built-in or over-the-range microwave: Countertop, portable, convection, infrared or high-speed units; interior linings; glass; shelves; handles; meat probe assemblies or rotisseries; and convection function in a combination oven/microwave.
  • Kitchen refrigerator: Ice makers; ice crushers, beverage dispensers, and associated parts; handles and knobs; interior thermal shells or liners; food spoilage; and inaccessible refrigerant leaks.
  • Dishwasher: Cleaning or repair due to failure caused by foreign objects, scale, rust, minerals, and other deposits; rinse aid dispenser; handles and knobs; racks; baskets; rollers.
  • Range/oven/cooktop stove: Clocks (unless they affect the function of the oven); meat probe assemblies or rotisseries; racks; magnetic induction; glass; self-cleaning function; handles and knobs; and convection function in a combination oven/microwave. Thermostatic controllers will only be replaced with standard controls.
  • Clothes washer: Fabric softener dispensers; filter screens; knobs and dials; and damage to clothing.
  • Clothes dryer: Venting; knobs and dials; damage to clothing.
  • Pool/spa: Booster pumps; lights; liners; filter systems; removal of wet sand from sand filter system; structural defects; solar equipment; jets; ornamental fountains or waterfalls and associated parts; pool cover and related equipment; fill valves; built-in or detachable cleaning equipment and related parts; heat pump; portable spas; timer or remote control systems and associated systems; related plumbing; 2- and 3-way valves; any concrete-encased, below-ground, or inaccessible system or components; and failure due to improper pH levels.
  • Well pump: Geothermal well pumps; well casings; pressure or storage tanks; plumbing or electrical lines leading to or connecting pressure tank and main dwelling (including but not limited to wiring from control box to the pump); redrilling of wells; booster pumps; contamination or lack of water; excavation or other charges necessary to gain access; and shared systems between two or more residences. 
  • Jetted bathtub: Jets; bathtub shell or liner; caulking or grouting; conditions of water flow restriction due to scale, rust, minerals, and other deposits; failures due to dry operation of equipment; and cost associated with gaining access to electrical, component parts, or plumbing.
  • Plumbing stoppages: Vent or sewer lines outside the confines of the main foundation of the home; stoppages due to roots, foreign objects, or failure of a plumbing system component; costs to locate, access, or install a ground-level cleanout; and septic tanks (unless optional septic coverage is purchased).
  • Water softener: Rental units are not eligible for coverage; and resin bed or resin replacement.
  • Septic system pumping/septic tank and pump: Broken or collapsed sewer lines; tile field; leach bed; leach lines; lack of capacity; seepage pits; cesspool; cost of locating and gaining access to septic tank; sewer lines; hookups; disposal of waste; chemical treatment of septic tank and sewer lines; and associated electrical systems other than pump; clearing of the mainline through existing access or clean-out within the confines of the foundation unless plumbing stoppages coverage is purchased; stoppages caused by roots and foreign objects; and septic systems not associated with the covered primary residence. 

Payout Caps

The following payout caps are in place on coverage plans. Caps are per contract term unless otherwise noted. Caps are inline with industry standards.

  • Enhanced HVAC coverage: (Crane use) $250, (lack of routine maintenance) $500
  • Haul away, disposal, code violations, permits: $250 
  • Pool/spa: $1,000 
  • Well pump: $500 
  • Jetted bathtub: $1,000
  • Water softener: $500
  • Septic system pumping/septic tank and pump: $500

Repair Time

Calls for service are answered by a live person within four hours during normal working hours and within 48 hours on weekends and holidays. Expedited service is available for an additional fee. Customers have the option of choosing their own local contractor to complete repairs. Contractors must be approved by the company before work begins.

Customer Service/Claims

You can request service 24/7 online or by calling 877-977-4949. You can also use the company’s contact us form. A live dispatcher handles service calls during business hours and dispatches calls within four hours during normal business hours. 

The Competition: Home Warranty Inc. vs. Amazon Home Warranty

We compared aspects of the warranty plans of Home Warranty Inc. and Amazon Home Warranty. Based on the pricing and customer service aspects, we believe Home Warranty Inc. is the better deal with lower pricing. 

Criteria Home Warranty Inc. Amazon Home Warranty
Number of Homeowner Plans 3 3
Number of Real Estate Plans 2 No details on website
Coverage Territory 34 states 47 states
Pricing $300 to $550 yearly $479 to $579 yearly
Workmanship Guarantee 30 days 30 days
Final Verdict

One of the things we like the most about the home warranty coverage by Home Warranty Inc. is its customizable plans. You can design your own coverage with only the options you need. The pricing is reasonable and you can choose your own contractor when you need repairs.

If you live within the coverage area, we believe Home Warranty Inc. is a good option to consider for your home repair needs. You should be aware before purchasing a plan that aftermarket, off-brand, used, remanufactured, or reconditioned parts may be used in repairs. If this is a concern for you, you may want to choose another home warranty provider.


There are several aspects to think about in choosing a home warranty. To help readers pick the plan that works best for them, our methodology for reviewing home warranties includes a quantified scoring system that evaluates plan pricing, exclusions, payout caps, repair times, and terms, comparing them to other carriers across the industry. We then factor in third-party ratings and customer satisfaction scores to help assess an insurer's overall quality and value.