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Home  /   Companies / Home Warranty of America
Updated on June 18, 2024

Home Warranty of America Review 2024

Home Warranty of America has been a part of the home warranty industry for nearly 27 years and extends its services to all 50 states, including the District of Columbia. Choice Home Warranty took over some of the company’s assets in 2022, but HWA continues to offer services as a standalone company.

HWA offers vast coverage options under its two plans: Select Plan and Select Plus Plan for U.S. homeowners. These plans come at competitive pricing, and the company even provides an additional month along with its annual plan.

This HWA review is written after analyzing reviews submitted by our users and conducting thorough research by our editorial team. This review includes the following things:

Company At A Glance

Years In Business 27
Plan Costs $46 - $58
Waiting Period No Waiting Period
Coverage Limits N/A
Service Fee $75 & $100
Option To Pick Your Own Contractor No

User Sentiments

positive_review_icon Positive:
neutral_review_icon Neutral:
negative_review_icon Negative:

Why Home Warranty of America?

  • Home Warranty of America offers a 30-day money-back guarantee to the homeowners
  • HWA Home Warranty has been in the industry for over 26 years
  • The company operates 24/7 to help its clients with issues related to the home warranty
  • HWA offers 13-month home warranty plans without an extra cost

latest Home Warranty of America reviews

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    Victor Ochoa , CA, San Diego

    Since purchasing my new home Ive been in constant contact with my representative An***** which was been a huge help since weve been in contact. Hes been able to help me with my claims along with any questions I may have at any time of the day. It really makes me feel like a valued customer

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    Melinda Ross , TN, Knoxville

    My air conditioner went out during these hot day. My HWA representative called an air conditioning company which called within an hour and set up an appointment. The technician arrived and completed repairs. This was the easiest process.

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    Kim Giveans , LA, Slidell

    I had a hot water heater problem and HWA sent a plumber. John L. Plumbing came immediately and diagnosed that my 24 year old unit was now leaking. Within 24 hours, we had a new hot water heater up and running!! I\'m a REALTOR and have used HWA for 15 years and they have ALWAYS given my clients and me FANTASTIC service!! Thanks Home Warranty of America!! You\'re the BEST!

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    Randy for M Boykin , SC, Lexington

    Overall having the HW with HWA has been a big assist. Even though some of the repairs were simple and would have cost less than the deductible, others would have cost a great deal of money. So I consider that a wash. My largest complaint is the timeliness of the repairs. The companies that contract with HWA have not shown any sense of urgency. We lost power in winter and lost heat, but for the kindness of our electric coop we would have been without power for a week or more. Most recently our dryer quit working. From filing the claim to completion of repair was exactly 4 weeks.

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    Stormy Gail Presson , TX, Bulverde

    I have used a variety of Home Warranties in the past 22 years, being that I am a Realtor. American Home shield is the worst of all of them. Home Warranty of America, although not perfect, is the one I have kept on my home for 7 years, and suggest anyone thinking about a Home Warranty to check out. My advice on Home Warranties, is learn to navigate there system, understand your contract.

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    william foo , OK, Coweta

    hot water tank blew on sat evening called hwa said they could not find any of there venders who could come out sat/sun . they came out monday morning and checked it blew the inside water jacket was approved but then they added city inspections and codes upgrade which i had to pay for. i dont understand why i would have to pay for inspection when the vender installed it ,thats wrong. need to make sure vender on your vender list will cover the inspections by hwa this should be included in there contract that they agree to. inconvenance to your customers.


3.1/5 (2,511)


3.7/5 (637)

Consumer Affairs

1.1/5 (42)


1/5 (1041)


4/5 (N/A)

Pros & cons of Home Warranty of America


  • Standard 13-month plans (extra one-month coverage)
  • No home inspection required
  • No waiting period for real estate coverage
  • Offers 30-day money-back guarantee
  • Unique optional add-ons


  • Limited coverage options
  • Reviews show a denial of many claim

Home Warranty of America Covered States

Home Warranty of America offers services in all 50 U.S states.

HWA Home Warranty Services Plans & Coverage

The company provides two plans for homeowners: Select Plan and Select Plus Plan. HWA also provides plans for real estate professionals. These plans’ prices and coverage differ according to the location and optional add-ons.

  • Select Plan is the basic plan offered by the company 
  • Select Plus Plan has some more additional items along with Select Plan


Select Plan

Select Plus Plan 

Built-in Microwave

Range Oven Cooktop
Trash Compactor

Electrical System
Heating System/ Furnace
Plumbing System
Water Heater
Burglar and Fire Systems
Ceiling Fans and Exhaust Fans
Central Vacuum
Garage Door Opener
Kitchen Refrigerator With Ice Maker
Clothes Washer

Clothes Dryer
Air Conditioning

Optional Add-ons

  • Limited Roof Leak Repair
  •  Pool/Spa Combo
  •  Salt Water Pool (includes Pool/Spa Combo)
  •  Well Pump
  •  Septic Tank Pumping
  •  Second Refrigerator
  •  Freezer – Stand Alone
  •  Orange Plus (Water Softener, Re-Key, Code Violations/Permit Fees)
  •  SEER/R-410A Modifications
  •  Septic System
  •  Sprinkler System

Read our extensive guide if you want a deep insight into what’s covered and not covered in a home warranty.


HWA Home Warranty Exclusions

The HWA contract has different limitations and exclusions from its plans. Here are some of the things which the company’s home warranty doesn’t cover: 

  • Delays
  • System lacking a visible Model number/serial number
  • Obstructed items
  • Opened walls/ceiling
  • Hazardous materials
  • Consequential damages 
  • Loss of use damages
  • Commercial-grade equipment repair or replacement
  • Routine maintenance
  • Haul away

If you want to have further insight into the plan’s inclusions, then you should make sure to read its sample coverage terms before investing.

HWA Home Warranty Cost 

The HWA plans start at $46.04 per month. The premiums differ depending on your trade service fee; $75 and $100 are the two service call options. 

On the $100 trade fee, the Select Plan costs $46.04 monthly ($522.50 yearly) and Select Plus costs $57.90 monthly ($665 yearly).

Note: All the pricing details (discounted) are provided for a single-family home under 5000 sq. ft. in New York

HWA Home Warranty Discounts 

HWA provides 13 months of coverage (12+1) to the homeowners at the cost of the annual plan

Trustworthiness & Customer Service

Home Warranty of America has received mixed reviews across various review platforms. On HWR, they have a rating of 3.5/5 from approximately 2000+ reviews. Most positive reviews revolve around the company’s comprehensive coverage, but the negative reviews highlight the issues related to claim denials. 

The reviews on Yelp and Google are below 2.5 stars showing the homeowners are unsatisfied with the service. Customers have noted dissatisfaction related to customer service and delays in the claim process.  

The recent reviews show HWA’s efforts to provide reliable services to homeowners. The company is trying its best to constantly improve its services and provide tough competition in the market. Though, we recommend our users read the sample contract before making the final decision.

Claims Filing Process For HWA Home Warranty 

Filing a claim with HWA is easier as you only need to sign in to your account or through the chat feature on the contact us page or mail them at info@hwahomewarranty.com. You can file a claim 24/7 when you choose these methods.

You can even file a claim by contacting the customer care representative at (888)-492-07359. The timings for weekdays (Monday- Friday) are 7 a.m. – 8 p.m. On Saturdays, you can connect with the company from 8 a.m.- 6 p.m., and on Sundays, between 9 a.m. – 5:30 p.m. 

After filing the complaint, you can expect a response within 24 to 48 hours. The company also endorses calling, as you can speak with the service provider who can troubleshoot the problem over the phone. 

If there’s a problem with a repair on an item that is not covered, the company might even get you connected with another service provider who can help.

How To Buy A Home Warranty From Home Warranty Of America?

Purchasing a warranty from HWA is uncomplicated. However, you should make sure to read its terms and conditions carefully so that you can enjoy the benefits of home protection. 

Buying a home warranty policy is tricky, so you can check our in-depth guide to prepare for a home warranty and make the right decision. 



At HomeWarrantyReviews.com, we are dedicated to offering our customers in-depth home warranty reviews to help you select the best home warranty company. To ensure that our reviews maintain high standards of credibility, we consider the following points to help us publish content that is as accurate and reliable as possible.

  • Plans: We look at companies’ various plans and evaluate them based on their cost and the inclusion of major appliances and systems.
  • Coverage: We consider coverage an essential factor based on a company’s extent of protection. Larger coverage caps offer more protection, and thus it would mean the scores highly in our reviews.
  • Contract terms: We give importance to how companies present their terms and conditions in the contract. If a company’s contract intends to unnecessarily confuse customers by using vague or complicated terms, the same will reflect in our overall review of the company.
  • Customer reviews: User reviews about service carry a lot of importance as it is a primary source of information highlighting the service quality of companies. More positive reviews will help companies attain higher rankings or vice versa. 
  • Trust: We ask companies to share documents to prove their credentials and monitor their standing with BBB and Yelp.

Editorial Note on HWA Home Warranty

Our editorial team concludes that the HWA Home Warranty provides exhaustive coverage for the systems and appliances at affordable prices. Apart from the elaborative plans, the company offers the freedom to choose your deductible. 

HWA is suitable for people looking for coverages like fixtures and appliance accessories at reasonable pricing. Go through the company’s sample contract to know the pricing, inclusions, and exclusions before making the final decision.

Final Words 

HWA provides homeowners additional coverage for items like code violations, permits, and Energy Star appliances. However, in any circumstance, get quotes from different companies to compare pricing and plans to choose the best fit.


Quick Details About The Company

Year Of Establishment



Bedminster, NJ

Type Of Company


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  • We allow users to connect directly with the company's representatives to resolve issues through our Complaint Resolution Program.

Home Warranty Of America FAQs


Who Owns The Home Warranty Of America?


Direct Energy US Home Services, Inc. is the parent company of Home Warranty of America, Inc. They deal in natural gas, energy plans, water heater, and appliance rental services besides home warranty.


How Does Home Warranty Of America Work?


Once you have identified the right home warranty plan, you can get a quote from the company. Read the service contract carefully before signing it and paying the premium. After 30 days, you can start filing claims when your home systems and appliances break down. Scroll up to read the claim filing process.


Will HWA Cover My Home Systems And Appliances If They Are Ancient?


The advantage of the Home Warranty of America is that there are no age restrictions. There is no need for a home inspection. An HWA plan covers all home appliances. But items under manufacturer warranty won’t be covered.


Will Home Warranty Of America Replace My HVAC System?


If HWA service contractors conclude that your HVAC system is not repairable, they may issue a replacement or pay you an amount equivalent to the item’s depreciated value. If you get a replacement, they will provide a functional equivalent, not necessarily of the make and model you want.


Will Home Warranty Of America Cover Roof Leaks?


HWA does not cover roof leaks. You can check out Select Home Warranty, Choice Home Warranty, and ServicePlus Home Warranty for roof leak coverage.


Does HWA Have Any Special Programs?


They have discount sales, and HWA promo codes may be available during special events. They have special tools for real estate customers, like the Client Contact Program, e-Postcards, marketing materials, and more.


How Does HWA Work With Service Providers?


HWA (Home Warranty of America) reviews and works with service providers nationwide. The company has a dedicated Vendor Development Department that hosts a database of thousands of service providers in all HWA markets.


How Do I Cancel My Home Warranty Of America Plan?


You can cancel the HWA home warranty plan by calling the company’s customer service team or emailing them. You will receive a full refund if you cancel within 30 days from the date of the purchase. After 30 days, you will only receive a prorated refund minus an administrative fee.


Is The Home Warranty Of America Still In Business?


Yes, the Home Warranty of America is still in business. The company has been operational since 1996. However, it was acquired by Choice Home Warranty in the year 2022 but still provides home warranties under the same name.


How Long Is The Waiting Period For Home Warranty Of America?


Home Warranty of America has no waiting period for new homeowners.


Are Home Warranties A Scam?


No, home warranties aren’t a scam and offer peace of mind to homeowners. It provides coverage for repairing or replacing major home appliances and systems if they stop working or malfunction because of regular wear and tear.


What is the difference Between A Home Warranty Vs. Home Insurance?


A home warranty offers repair and replacement services for major household appliances and systems. Home insurance will protect your home and belongings in case of fires, theft, or thunderstorms.


Home Warranty of America Vs. American Home Shield: Which Is Better?


HWA has nationwide coverage, but AHS doesn’t offer it to all the US states. While both offer 24/7 services to their customers, AHS provides complete systems coverage to homeowners. Both home warranties have their benefits and drawbacks. You should consider getting a quote from both of them and decide accordingly.


How Long Is A Home Warranty Good For?


A home warranty is good for up to 12 months. However, you can always renew the home warranties after the coverage ends.

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