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Home  /   Companies / Home Warranty Inc
Updated on October 31, 2022

Home Warranty INC Review 2022

Disclaimer : We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.
 Home Warranty Inc

Home Warranty Inc

hwc-logo 1.5
Customer Reviews77
Premium$30 - $49
Service Fee $0 - $100
Limit$5k / item
Activation Immediate
Cancellation Fee $50 or 10%

Home Warranty INC. or the Home Warranty of the Midwest, Inc. is a home warranty provider that has been in the business for more than two decades. In this Home Warranty INC. review, we’ll take you through its services, cost, claims, and everything else you need to know before signing up.

Our Verdict: The plans offered by Home Warranty INC are comprehensive, and if someone opts for added coverage, it can be a win-win deal. However, despite providing services to 43 U.S. states and having an A+ rating from BBB, there’s room for improvement in terms of pricing. 


  • Provides 14 months of coverage on the Home Protection Plan.
  • Does not charge deductible on Appliance Plan.


  • Does not offer services in 7 states.
  • Plans are a bit expensive as per industry level.

Home Warranty INC Plans & Coverage

Home warranty INC provides three plans to homeowners: Home Protection Plan, Appliance Protection Plan, and Supplemental Home Protection Plan. Apart from the Appliance Protection Plan, the other two plans offer separate optional items that you can purchase at an extra cost. Let’s take a closer look at the offered home warranty plans!

Home Protection Plan

This is a 14-month coverage plan including 20 systems and appliances.

  • Heating Units
  • Cooling Units
  • Air Exchanger
  • Ductwork
  • Water Heater
  • Interior Plumbing
  • Plumbing Stoppages
  • Interior Electric Wiring
  • Sump Pump
  • Garbage Disposal
  • Central Vacuum
  • Garage Door Opener
  • Trash Compactor
  • Built-In Or Over-The Range Microwave
  • Kitchen Refrigerator
  • Ice Maker
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Range/Oven/Cooktop Stove
  • Undetectable Pre-Existing Conditions

Appliance Protection Plan

This is an à la carte appliance plan.

  • Furnace or Air-to-Air Heat Pump
  • Air Conditioner
  • Water Heater
  • Trash Compactor
  • Annual Furnace Inspection
  • Built-In or Over-the-Range Microwave
  • Dishwasher
  • Washer
  • Dryer
  • Water Softener
  • Range/ Oven/ Stove/ Cooktop/ Wall oven
  • Refrigerator/ Stand Alone Freezer

Supplemental Home Protection Plan

This plan covers 14 systems and appliances.

  • Primary Heating Unit
  • Water Heater
  • Central Vacuum
  • Clothes Dryer
  • Clothes Washer
  • Primary Cooling Unit
  • Garage Door Opener
  • Air Exchanger
  • Built-In or Over-the-Range Microwave
  • Range/ Oven/ Stove/ Cooktop
  • Garbage Disposal
  • Kitchen Refrigerator
  • Trash Compactor
  • Dishwasher

Optional Coverage

The items listed in the table below are optional add-ons which you can purchase in return for a few dollars. Take a look:

Home Protection Plan Supplemental Home Protection Plan
Jetted Bathtub Jetted Bathtub
Pool or Spa Pool or Spa
Water Softener Water Softener
Well Pump Well Pump
Septic System Plumbing/ Septic Tank, Pump Ice Maker
Enhanced HVAC Plus  
360 Home Connect Utility & Moving Service (free)  
Limited Roof Leak  
Limited Slab Leak  
SurgeShield & SurgeShield Plus Protection  

The products covered under SurgeShield Plus Protection are Televisions, tablets & netbooks, gaming systems, laptop, computers, video surveillance, alarm monitoring systems, home theater sound systems, printers, digital cameras, and led light bulbs. However, SurgeShield will cover the damage caused by power surge to all the covered systems and appliances.

Home Warranty INC Exclusions

According to the service contract, Home Warranty INC will not cover:

  • Damages caused by customer’s negligence, Acts Of God, pests, and pets.
  • Systems and appliances used for commercial purposes.
  • Manufacturer’s defects, cosmetic repairs, and routine maintenance.
  • Service performed on systems with toxic materials.
  • Removal or demanufacturing of a system or an appliance or any costs associated with it.
  • Repair or replacement of items whose damage is caused by moisture, mold, rot, fungus, rust, and corrosion.
  • Reconstruction of damage to walls, floors, tile, ceilings. The company will also not pay any cost for the same.

Apart from that, home warranty companies have some coverage limitations of how much liability they have for the repair and replacement of covered items. Home Warranty INC mentions in its contracts that its liability will not exceed $5,000 per covered item or $15,000 aggregate during the whole agreement period.

NOTE: There may be other exclusions to your plan, so we recommend that you must read your contract thoroughly before making any commitments.

How Much Does Home Warranty INC Cost?

The plans offered by Home Warranty INC vary in prices. As per the available information, the cost of their plans are as follows:

Plans Monthly Premiums  Deductibles
Home Protection Plan $49 $100
Appliance Protection Plan Depending on the items you choose. No Deductible 
Supplemental Home Protection Plan $30 $100

However, you must consider the fact that the total price depends on your selected plan, your area of residence, and the optional items you may have chosen.

NOTE: The company offers one month of free coverage on Home Protection Plan when you select to pay the premiums monthly.

Home Warranty INC Claims

The coverage begins on the date you sign up for the plan, but there is a waiting period of 30 days on the optional coverage. So, this means you have to wait for 30 days before filing a claim on optional items. To file a claim, you will need to:

  • Give a call on the toll-free number (877) 977-4949. As per the company, this line is 24/7 to the customers and they can speak to live customer service representatives.
  • Explain the problem to the representative and they will arrange for a technician to visit your home. 
  • However, the company also allows you to call the technician of your choice. If you wish to do so, you may also clarify it with the representative.
  • You can also file the claim via an online form available on its website.
  • When the technician arrives at your home and gets things fixed, you will need to pay the service fee or deductible in return. This amount will be mentioned in your service contract, make sure you read it carefully.

NOTE: The company makes it very clear that it will not reimburse you if you get the services done by your technician without its prior approval.


At, we are dedicated to providing in-depth home warranty reviews so you can choose the best home warranty company & make the most out of it. We examine, compare, and analyze the companies on the following factors:

  • Pricing: We compare the costs of home warranty plans and determine if those are cost-effective. The pricing includes monthly/annual premiums, deductibles, and customer discounts. 
  • Coverage: We compare the plans offered by different home warranty companies. The coverage includes systems, appliances, and additional offerings.
  • Claims: We look at customer reviews and determine how satisfied they were with the claims filing procedure, settlement, and response times.
  • Transparency: We verify if the home warranty company is licensed within the appropriate industry and offer details on the CEOs, contractors, and several settled claims.
  • Uniqueness: We examine whether the company offers any additional services, advantages, or coverage alternatives that set them apart from the competition.
  • Customer Engagement: We assess the determination of home warranty companies responding to consumer problems in our Complaint Resolution Program.
 Home Warranty Inc

Home Warranty Inc

hwc-logo 1.5
Customer Reviews77
Premium$30 - $49
Service Fee $0 - $100
Limit$5k / item
Activation Immediate
Cancellation Fee $50 or 10%

Home Warranty INC FAQs


What Is The Best Home Warranty Company To Go With?


There are many home warranty companies in the market, but some market leaders such as American Home Shield, Choice Home Warranty, ServicePlus are some options you can consider. You can also read our article to know more about the best home warranty companies


Do Home Warranties Actually Cover Anything?


The coverage offered by home warranty companies varies depending on the type of plan you choose. Typically, home warranty covers the repair and replacement costs of major home and appliances that break down due to normal wear and tear. Therefore, we recommend reading the entire service contract carefully so that you understand the coverage thoroughly. 


What Are The Cons Of A Home Warranty?


A typical disadvantage of a home warranty is that it may not cover everything in your home. Every home warranty plan comes with exclusions. For instance, your plan may not necessarily cover plumbing or electrical adjustments. Make sure you clarify such details before making any purchase.


Is Total Protect Home Warranty Worth It?


TotalProtect is another popular choice that offers nationwide coverage with added benefits like 180-day workmanship guarantee. Lastly, can be a good fit when purchased after a thorough research. 

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