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Home  /   Companies / Home Warranty of America
Updated on September 12, 2022

Home Warranty Of America 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 of America

Home Warranty of America

hwc-logo 3
Customer Reviews2465
Premium$43-$55
Service Fee$75, $100
LimitN/A
ActivationImmediately
Cancellation Feeafter 30 days
View More right arrow

Home Warranty Of America (HWA) has been around for over 25 years and is known for its vast presence across the country. The company is present in 50 states, including the District of Columbia. HWA claims it offers premium services at a competitive price and is known for its broad coverage options. Continue reading this review of Home Warranty Of America to learn more about its coverage, pricing, service quality, and customer reviews.

Our Verdict: We’ve rated Home Warranty Of America ? for its wide coverage options and nationwide availability. However, it has received low ratings for its customer service, which is surely an area of improvement for the company. HWA has also received a rating of B from BBB.

Pros

  • 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

Cons

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

Home Warranty Of America Plans

The company provides two plans for homeowners: a Premier Plan and a Premier Plus Plan. HSA also provides has plans for real estate professionals: a Gold Plan, Premier Plan, and Diamond Plan. These plans’ price and coverage differ according to the location and optional add-ons.

Premier Plan

  • Washers
  • Dryers
  • Dishwasher
  • Garage Door Opener
  • Plumbing (including stoppages)
  • Heating System
  • Plumbing System
  • Ductwork
  • Built-in Microwave Oven
  • Trash Compactor
  • Electrical System
  • Doorbells
  • Water Heater
  • Garbage Disposal
  • Instant Hot/Cold Water Dispenser
  • Central Vacuum
  • Whirlpool Bathtub
  • Sump Pump
  • Burglar and Fire Alarm Systems
  • Kitchen Refrigerator Ice Maker
  • Ceiling and Exhaust Fans
  • Wall/Oven/Range/Cooktop
  • Drywall
  • test
  • test

Premier Plus Plan

  • Washers
  • Dryers
  • Garage Door Opener
  • Heating System
  • Plumbing System
  • Plumbing Stoppages
  • Ductwork
  • Dishwasher
  • Built-In Microwave Oven
  • Trash Compactor
  • Electrical System
  • Doorbells
  • Instant Hot/Cold Water Dispenser
  • Central Vacuum
  • Whirlpool Bathtub
  • Sump Pump
  • Burglar and Fire Alarm Systems
  • Kitchen Refrigerator Ice Maker
  • Wall Oven/Range/Cooktop
  • Cooling System
  • Garbage Disposal
  • Drywall
  • Water Heater
  • Ceiling and Exhuast Fans

The optional add-ons are as follows: 

Septic System/Sewage Ejector Pump/Septic Tank Pumping 

  • OrangePlus (covers pre-existing conditions) 
  • Well Pump 
  • GreenPlus (up to 90% energy-efficient heating system replacement) 
  • Salt Water Pool 
  • Stand Alone Freezer 
  • 2nd Refrigerator 
  • 2nd Range/Oven/Cooktop 
  • SEER/R-410A Modifications 
  • External Water Line Repair 
  • 2nd Dishwasher 
  • Pool/Spa Combo 
  • 2nd Clothes Dryer

The real estate plan covers almost the same items included in the homeowner’s plan. Some additional items included in the real estate plan are insufficient maintenance, pre-existing conditions, telephone line coverage, furnace, and pest control. The broadest real estate HWA Plan is the diamond plan. 

How Much Does Home Warranty Of America Cost?

The HWA plans start at $43 per month, and the maximum can even cost $100 or more, depending on the optional coverage you select. The premiums are different depending on the trade service fee you choose; $ 75 and $100 are the two options. 

The price of the Premier Plan is $43 monthly, and you will have to pay a $100 trade call for the same and $46.46 at a $75 trade call fee. Similarly, the Premium Plus Plan is priced at $52.23 and $55.31, respectively, and the Premium Upgrade Coverage is offered at a $75 Trade Call Fee.

Note: All the pricing details are provided for a single-family home under 5000 sq. ft. If your home is bigger, the premiums can be $120-$154 per month, whereas the annual premium can range from $275 – $695. It also depends on the residing location. The optional add-ons can range from $35-$300 for coverage. 

Home Warranty Of America Coverage

HWA offers two warranty plans, a Premier Plan and Premier Plus Plan. Both of the plans offer coverage for the below items:

Covered Systems

  • Heating system 
  • Plumbing 
  • Ductwork 
  • Water heater 
  • Garbage disposal 
  • Trash compactor 
  • Central vacuum 
  • Doorbell 
  • Burglar/Fire alarms 
  • Garage door opener 
  • Permanent sump pump 

Covered Appliances 

  • Clothes dryer 
  • Clothes washer 
  • Kitchen refrigerator with ice maker 
  • Built-in microwave 
  • Dishwasher
  • Range/Oven/Cooktop 
  • Instant hot water dispenser 
  • Whirlpool bathtub 
  • Ceiling/exhaust fans 

Optional Add-ons:

  • Stand-alone ice maker 
  • Limited roof leak repairs 
  • Pool/spa
  • Saltwater pool 
  • Well pump 
  • Septic tank pumping 
  • Second refrigerator
  • Stand-alone freezer 
  • Septic system 
  • Sewage ejector pump 
  • Septic tank pumping 
  • SEER/R-410A modifications

If you want a deep insight into what’s covered and not covered in a home warranty, read our extensive guide. 

Home Warranty of America 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.

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

 Home Warranty Of America Claims

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 [email protected]. You can file a claim 24/7 when you choose these methods.

You can even file a claim by connecting with 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. 

Home Warranty Of America vs. Competition

Home Warranty of America offers reasonable coverage options when viewed alone, but how does it compare to the competition? Find it here: 

Home Warranty Of America vs. American Home Shield

  • HWA offers nationwide coverage, but on the other hand, AHS doesn’t offer it to states. 
  • Both American Home Shield and HWA offer 24/7 services to its customers.
  • Home Warranty of America offers standard 13-month plans, i.e., one extra month of coverage free of cost, while AHS doesn’t. 

American

American Home Shield (AHS)

hwc-logo 4
Customer Reviews16715
Premium$39-$60
Service Fee $75-$125
Limit$6K-Unlimited
Activation 30 Days
Cancellation FeeN/A

Home Warranty Of America vs. Choice Home Warranty

  • HWA real estate plans are immediately activated, while you will have to wait 30 days to activate plans from Choice Home Warranty. 
  • HWA offers unique add-on options facilitating sustainability compared to Choice Home Warranty. 
  • Choice Home Warranty provides more extended coverage options in its plan, which HWA doesn’t provide. 

Choice

Choice Home Warranty

hwc-logo 3.5
Customer Reviews9311
Premium$46-$55
Service Fee$60-$85
LimitUpto $3K/item
Activation30 Days
Cancellation Fee$50

Home Warranty Of America vs. ServicePlus Home Warranty

HWA offers a more comprehensive plan with better coverage for household items than ServicePlus Home Warranty. 

ServicePlus Home Warranty is good for customers searching for a plan covering both systems and appliances and has a low service call fee. 

ServicePlus

ServicePlus Home Warranty

hwc-logo 4
Customer Reviews840
Premium$50-$60
Service Fee$75
Limit$1.5k/item
Activation30 Days
Cancellation Fee $50

HWA is available in 50 states, but ServicePlus Home Warranty is available in fewer states. 

Home Warranty Of America vs. Liberty Home Guard

  • While HWA is available nationwide, Liberty Home Guard still isn’t available in 4 U.S states. 
  • HWA offers its customers free cancellation within 30 days, but Liberty still doesn’t provide this advantage. 
  • Home Warranty of America has been longer in the market as compared to Liberty Home Guard. 

Liberty

Liberty Home Guard

hwc-logo 4.5
Customer Reviews155
Premium$35-$50
Service Fee $90
Limit$2k/Item
Activation30-days
Cancellation Fee$50

Company Details 

Established in 1996, Home Warranty of America is owned by Home Warranty of America, Inc., and Direct Energy US Home Services, Inc. Marc Roth is currently the CEO, and his corporate office address is P.O. Box 2803, Memphis, TN, 38101.

Methodology 

At HomeWarrantyReviews.com, we are dedicated to offer 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 the various plans that companies offer and evaluate them based on their cost and inclusion of 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 with us to prove their credentials and keep an eye on their standing with the BBB and Yelp.
 Home Warranty of America

Home Warranty of America

hwc-logo 3
Customer Reviews2465
Premium$43-$55
Service Fee$75, $100
LimitN/A
ActivationImmediately
Cancellation Feeafter 30 days

Home Warranty Of America FAQs

Q.

Who Owns The Home Warranty Of America?

A.

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

Q.

How Does Home Warranty Of America Work?

A.

Once you have identified the right home warranty plan, you can get a quote from the company. Read the service contract with great care, and then you can sign it and pay 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.

Q.

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

A.

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

Q.

Will Home Warranty Of America Replace My HVAC System?

A.

 Suppose the service contractors think that your HVAC system is not repairable. In that case, they may issue a replacement, or Home Warranty of America may 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 a make and model you want.

Q.

Will Home Warranty Of America Cover Roof Leaks?

A.

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

Q.

Does HWA Have Any Special Programs?

A.

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.

Q.

How Does HWA Work With Service Providers?

A.

 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 of the HWA markets.

Q.

How Do I Cancel My Home Warranty Of America Plan?

A.

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.

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