Home Warranty of America Review

Three plans and competitive, transparent rates

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Home Warranty of America

Home Warranty of America

overall rating

Our Take

Home Warranty of America stands out from the competition with one of the most robust packages with 19 major appliances being covered in the standard plan. They do this for some of the most reasonable prices you can find in the home warranty space. 

Based on our review of over 20 home warranty providers, Home Warranty of America 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
  • No matter what coverage plan you choose, you receive coverage for 19 major home components/systems

  • If a home repair item is not covered, the company will attempt to put you in touch with another home repair service who covers your issue

  • Plans are competitively priced

  • Transparency of pricing information for plans

  • If you choose to pay a higher service fee (TCF, or trade call fee), the monthly cost drops

  • Nationwide coverage is advertised but we were unable to obtain a quote for California

  • No terms and conditions are available on the website; you must wait until you make the purchase

  • You also have to sign up to view the exclusions

  • Lack of transparency in payout caps/limitations

Key Takeaways
  • Among the lowest trade service fees in the industry, sitting at $60 per claim. 
  • Larger homes may be more expensive to get a warranty for.  
  • Homeowners may choose their own contractors as long as they get authorization before the repair is done.  
  • Year Founded 1996
  • Coverage Listed as Nationwide.
  • Customer Service 24/7 online or by telephone.
  • Waiting Period 30 days
  • Contractor Network Nationwide network with prior approval needed for use of outside contractors.
  • Number of Plans 3 plans, plus optional coverage available.
  • Coverage Limit The coverage limit is not listed on the website. Payout caps/limitations can apply at the company’s discretion.
  • Contract Length 12 months
  • Payment Options The company reserves the right to determine whether any covered item will be repaired or replaced.
  • Cost Service fees begin at $60. Plan pricing ranges from around $370 to $600 yearly.
  • Official Website https://www.hwahomewarranty.com/

With so many companies offering home warranties, reviewing all your options can become a little daunting not to mention time-consuming, so we’ve done the legwork for you by taking a close look at Home Warranty of America. The company offers three home warranty coverage plans for homeowners, buyers, and sellers. Having been in business since 1996, Home Warranty of America has a solid reputation, plus one of the most generous standard packages we’ve seen in the industry (coverage for 23 big appliances and other home systems).

When reviewing Home Warranty of America, we evaluated the number of available plans (what’s covered), pricing, exclusions, claims handling, customer service, the company’s BBB rating, and even compared it with other companies within the industry. So read on to see our full review and decide if Home Warranty of America is a good option for your own home maintenance and repair needs.

Company Overview 

Home Warranty of America has been in business since 1996. The company headquarters is in Lincolnshire, Illinois. It offers home warranties to homeowners, buyers, and sellers with three home warranty plans for homeowners and three plans for buyers/sellers. Optional add-on coverage is available for an additional charge.

Available Plans 

  Gold Plan Platinum Plan Diamond Plan
Built-in Microwave
Dishwasher (built-in only)
Garbage Disposal
Trash Compactor (built-in only)
Kitchen Refrigerator with Icemaker  
Washer/Dryer Package  
Air Conditioning / Cooling System
Electrical System
Heating System / Furnace
Permanent Sump Pump
Plumbing System
Water Heater including Tankless
Telephone Line Coverage (low voltage wiring)  
Burglar and Fire Alarm Systems
Ceiling Fans & Exhaust Fans
Central Vacuum
Garage Door Opener
Instant Hot Water Dispenser
Re-key Services  

The Platinum and Diamond tiers also include other upgrades.

*GreenPlus (Platinum and Diamond): If a dishwasher, refrigerator, clothes washer, heating system (limited to gas furnace), or water heater breaks down and it cannot be repaired, HWA will replace as follows:

  • The dishwasher, refrigerator and clothes washer will be replaced with an ENERGY STAR Qualified product (subject to availability), including a unit with all other similar features as the existing one.
  • The heating system will be replaced with a 90 percent efficiency model.
  • The water heater will be replaced with a tankless water heater.

**OrangePlus (Diamond only): OrangePlus Coverage adds certain coverage to Standard coverages that are otherwise excluded. OrangePlus offers the following upgrades:

  • Increases toilet replacement of similar quality up to $600 in the aggregate.
  • Building code violations up to $250 in the aggregate.
  • Building permits up to $250 per occurrence.
  • Increases professional series appliances to $2,500 for each eligible appliance.
  • Removal of all defective equipment that is replaced by HWA under the terms of this Contract.
  • Coverage of systems with mismatched components, and improperly installed systems.

***Premium Upgrade Coverage (Platinum and Diamond): Premium Coverage is an option you can buy to protect equipment that is not covered by typical home warranty contracts and includes coverage for over 30 items traditionally not covered by basic home warranty plans.

  • Plumbing: Fixtures, faucets, showerheads, interior hose bibs, etc.
  • Sediment in the water heater.
  • Plus over 25 more items.

****SEER/R-410A Modifications (Platinum and Diamond): HWA will implement some upgrades and modifications needed to bring your covered heating/cooling system into compliance with crucial SEER and HSPF standards.

Note: The price of these phased out coolants and R-22 system parts will continue to rise as their availability decreases and may take longer to acquire.

Real Estate Plans

Real estate agents can warranty homes in the buying/selling process through purchasing a home warranty plan for real estate professionals

Home Warranty of America offers sellers/buyers plans which includes protection for these appliances/home systems: washer, refrigerator, dishwasher, heating system/furnace, air conditioners, dryer, oven, plumbing systems, and garage door openers.

Prices for basic plans range from $350 to $600 yearly with optional coverage available that can add $100 to $600 yearly to the price of the plan. Three buyer/seller plans are available: Gold, Platinum and Diamond plans. 

Pricing varies by plan and state. You can visit the website and obtain a quote for more specific plan pricing


Although we were unable to find terms and conditions available on the website, when using the online chat feature we received this message regarding exclusions:

 “All exclusions can be found on your contract available through your online account. Specific items will be listed under each system and appliance included in your contract. HWA is not liable for repairs related to adequacy or capacity of Covered Items in the Covered Property; improper installation, design, or previous repair of Covered Items not completed under this Contract; or problems or failures caused by a manufacturer’s defect. Unless the optional coverage for such is purchased, HWA is not responsible for providing upgrades, components, parts or equipment required due to the incompatibility of the existing equipment with the replacement system, appliance or component/part, including but not limited to SEER standard, R-410A and/or 7.7 HSPF or higher compliant, as well as any other efficiency required by federal, state, or local governments.”

A full list of exclusions is not available until after you purchase the policy. This could lead to some buyers remorse.

Payout Caps/Limitations

Payout caps and limitations are not available on the website. You must purchase a policy to view this information. A customer service representative said the payout caps/limitations depends on the diagnosis received from the technician and usually, you are fully covered but every situation is different. 

Repair Time

Repair turnaround time varies from 24 to 48 hours. Any services performed by a contractor outside of the provider network must be pre-authorized. 

Customer Service/Claims

You can reach a Home Warranty of America representative by calling toll-free: 888-492-7359, emailing info@hwahomewarranty.com or through the chat feature found at the bottom of the contact us page. You can cancel your coverage for the first 30 days without a fee. 

You can file a claim online by logging into your account 24/7 or by calling 888-492-7359 Monday to Friday: 7 a.m. to 8 p.m., Saturday: 8 a.m. to 6 p.m. or Sunday: 9 a.m. to 5:30 p.m. Home Warranty of America responds to claims within 24 to 48 hours. If you have a repair that is needed on a home item not covered, the company will attempt to connect you with a service provider that can repair/replace your item.

BBB Rating

Home Warranty of America has been a BBB accredited business since 1996 and has no rating based on over 900 customer reviews and over 1,400 customer complaints and an average 1-out-of-5 star rating. The majority of customer complaints on the company’s BBB business profile falling under the category of a “problem with a product or service.”

While this is one of the lowest-priced warranties on the market, it is subject to state location and home size. Checking rates with another provider is always advised.


The price of a home warranty from Home Warranty of America includes a service fee that begins at $60 and varies by plan. TCF is their distinction for “trade call fee” service fee, or deductible. Pricing of plans vary by state, size of the home (<2,500 square feet to 10,000+ square feet) and home type (condo, duplex, fourplex, mobile home, new construction, single-family or triplex). For accurate pricing, you must obtain a quote.

Plans and discounts vary by state. Here is a sample of pricing for a 5,000 square foot home in Washington, available on their website: 

  • Gold: $370 and a $20 townhome/condo/mobile home discount
  • Platinum: $450 and a $15 townhome/condo/mobile home discount
  • Diamond: $575 and a $15 townhome/condo/mobile home discount

The Competition: Home Warranty of America vs. Choice Home Warranty

Home Warranty of America and Choice Home Warranty both have 24/7 claims service but the differences come in plan choices, optional coverage, and pricing of plans. When comparing home warranties, Home Warranty of America’s plan prices ranges from $350 to $600 yearly while Choice Home Warranty average $450 to $530 per year. However, the standard options available through Home Warranty of America cover more home components/systems than Choice Home Warranty. Choice Home Warranties standard options only include 13 items whereas Home Warranty of America covers 23 major home components/systems in all of its plans. The BBB rating for Choice home Warranty is “B-” while Home Warranty of America has no rating.

Final Verdict

Home Warranty of America has competitively priced home warranty options. The standard coverage is generous and available with all plans, plus there are plenty of add-on options to consider. And while the company claims to offer services throughout the U.S., we were unable to obtain a quote for California. However, all in all, we still think Home Warranty of America is a strong option to consider for your home repair needs because of its competitive rates. It's just important to contact a company representative to discuss possible exclusions before making a purchase since exclusions, terms, and conditions are not listed on the website.


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