Home Warranty of America (HWA) provides flexible, affordable coverage for the repair or replacement of home systems and appliances. It offers generous coverage limits and flexible payment options. However, customer reviews often complain of claim denials and repair delays.
HWA was founded in 1996 and is available nationwide. In February 2022, Choice Home Warranty purchased Home Warranty of America but chose to continue operating HWA as a distinct brand.
Our review of HWA explores its pluses and minuses while providing context for HWA’s place among the best home warranty companies in the U.S.
Our Take on Home Warranty of America
One aspect of Home Warranty of America that distinguishes it from other major home warranty providers is that in addition to providing coverage for homeowners, it features coverage plans that cater to real estate professionals. To incentivize real estate agents to consider its services, HWA points out on its website that it offers 13-month coverage plans, and its coverage begins without the standard 30-day waiting period.
We also like that HWA focuses on an ecological message with its GreenPlus plan, which it introduced in 2008. This plan gives customers the option to have their faulty appliances replaced with Energy Star-certified appliances for improved energy efficiency.
We’d like to see HWA offer an appliance-only and a systems-only plan. Many leading home warranty providers give their customers those options to provide additional coverage flexibility and to help them avoid paying for coverage on items that they don’t need or want to be covered.
Our verdict: HWA is a reasonably priced, fairly reliable home warranty company with a number of characteristics that might appeal to homeowners looking for generous coverage limits.
We Recommend Home Warranty of America If You:
- Want whole-home coverage for a reasonable price
- Are looking for a generous coverage cap for repairs and replacements
- Want a company focused on energy efficiency and green initiatives
We Don’t Recommend Home Warranty of America If You:
- Are concerned about customer service shortfalls
- Want a company that will provide consistently reliable repair scheduling
- Are looking for an appliance- or systems-only coverage plan
Home Warranty of America Coverage
HWA doesn’t offer plans that cover only appliances or only major home systems. That said, its two plans and its list of optional add-ons encompass just about everything a homeowner might want or need to be covered by a home warranty.
Core Plans
Home Warranty of America offers two home warranty plans: a Premier Plan and a Premier Plus Plan. The table below shows what is covered by the respective plans:
| Coverage | Premier | Premier Plus |
|---|---|---|
| Air conditioning | 𝗫 | ✔ |
| Built-in exhaust/vent/attic fans | ✔ | ✔ |
| Built-in microwaves | ✔ | ✔ |
| Burglar and fire systems | ✔ | ✔ |
| Ceiling fans | ✔ | ✔ |
| Central vacuum | ✔ | ✔ |
| Clothes dryers | 𝗫 | ✔ |
| Clothes washers | 𝗫 | ✔ |
| Dishwashers | ✔ | ✔ |
| Doorbells and chimes | ✔ | ✔ |
| Ductwork | ✔ | ✔ |
| Electrical system | ✔ | ✔ |
| Garage door openers | ✔ | ✔ |
| Heating system/furnace | ✔ | ✔ |
| Ice maker | 𝗫 | ✔ |
| Ovens | ✔ | ✔ |
| Plumbing system | ✔ | ✔ |
| Ranges/cooktops | ✔ | ✔ |
| Refrigerators | 𝗫 | ✔ |
| Trash compactor | ✔ | ✔ |
| Water heaters | ✔ | ✔ |
Add-Ons
Premier Plus plans offer coverage for your air conditioning system, plumbing fixtures, faucets, and shower heads, as well as a Premier Upgrade that covers 30 additional items in your home. Home Warranty of America also offers coverage for items like your drywall, plumbing stoppages, and clogs.
In addition to these two service plans, HWA offers optional coverage for the following items:
- Limited roof leak repair
- Pool/spa combo
- Saltwater pool
- Stand-alone freezer
- Second refrigerator
- Septic system
- Septic tank pumping
- Sprinkler system
- SEER/R-410A modifications
- Well pump
- GreenPlus plan
- OrangePlus plan
GreenPlus Plan Details
Home Warranty of America offers a GreenPlus plan for $7.62 per month as an optional add-on that offers the following when a covered item must be replaced:
- Covered items, including dishwashers, refrigerators, and clothes washers, will be replaced with an Energy Star product.
- Covered heating systems will be replaced with a 90% efficiency model.
- Covered water heaters will be replaced with a tankless model.
OrangePlus Plan Details
Home Warranty of America offers an OrangePlus plan as an optional add-on that covers the following:
- Code violations and permits up to $250
- Disposal of defective equipment
- Increased coverage cap on professional series appliances up to $2,000
- Increased coverage cap on toilet replacement up to $600
- Re-key up to six locks, including deadbolts
- Water softener
The Fine Print
HWA says it places no age restrictions on covered appliances, and it doesn’t require an inspection before coverage is granted. Covered items with damage related to normal wear and tear are subject to the coverage plan. Like many home warranty companies, HWA reserves the “sole and absolute right” to pick the service technician assigned to your job, and the company explicitly states that it “will not reimburse for any services performed” without HWA’s approval.
As with most home warranty companies, HWA provides a list of exclusions written into your contract. For example, under its list of exclusions for HVAC coverage, HWA cites gas air conditioning systems, window air conditioner units, filters, and more.
While HWA does provide a lengthy list of items excluded from coverage, it begins its section on limitations and exclusions with a broad statement: “All services, components, and systems not specifically identified as ‘Included’ in this Contract are hereby excluded even if not specifically identified.”
HWA will provide a full refund if you choose to cancel within the first 30 days of your contract. Cancellation after the first 30 days entitles you to a pro-rated portion of your payments minus an administration fee of $30 or 10% of your payment cost, whichever is less.
Home Warranty of America Cost
HWA plan pricing will depend on where you live, the type of coverage you choose, the square footage of your home, and any add-ons you include in your plan.
Plan Cost
Home Warranty of America charges a $75 or $100 service call fee for every claim made. If you choose the lower service fee, your monthly premiums will be higher, whereas if you select a higher deductible, your monthly premiums will be lower.
| Plan | Estimated Monthly Cost With $100 Service Call Fee | Estimated Monthly Cost With $75 Service Call Fee |
|---|---|---|
| Premier | $46 | $49 |
| Premier Plus | $58 | $61 |
Add-On Costs
The additional costs of HWA’s optional add-ons can significantly increase your monthly premium if you select multiple options. The prices range from $4.58 for coverage of a second refrigerator to $15 per month for a saltwater pool.
| Add-On Coverage | Cost per Month |
|---|---|
| Limited roof leak repair | $8.33 |
| Pool/spa combo | $15.83 |
| Saltwater pool | $15 |
| Second refrigerator | $4.58 |
| SEER/R-410A modifications | $5 |
| Septic tank pumping | $6.25 |
| Septic system | $12.50 |
| Sprinkler system | $7.50 |
| Stand-alone freezer | $4.58 |
| Well pump | $8.33 |
Discounts
As of February 2025, we found no additional discounts or special offers for HWA home warranty plans. However, the company has run campaigns that offer $50 off and one month’s coverage for free. We recommend asking an HWA sales representative if there are any active sales or discounts available before you commit to purchasing a plan.
Other Top Home Warranty Providers To Consider
Home Warranty of America compares favorably with many of the best home warranty companies we’ve reviewed. Its aggregate reimbursement limit of $15,000 for the coverage period is among the most competitive in the industry. However, the fact that HWA is not accredited or rated by the Better Business Bureau is a strike against it.
The table below gives a comparison of the top home warranty providers based on our extensive research and review standards:
| Provider | Logo | Our Score | Monthly Plan Cost* | Service Call Fee | BBB Rating** |
|---|---|---|---|---|---|
American Home ShieldGet Quote |  | $36–$100 | $100–$125 | B | |
Elite Home WarrantyGet Quote |  | $45–$60 | $70 ($150 for after hours and weekends) | B | |
First American Home WarrantyGet Quote |  | $77–$130 | $100–$125 | B | |
AFC Home WarrantyGet Quote |  | $44–$82 | $75–$125 | B | |
Liberty Home GuardGet Quote |  | $57–$68 | $65–$125 | NR |
*BBB ratings are accurate as of March 2025.
**NR, or “No Rating,” indicates that the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Customer Reviews: Better Business Bureau, Reddit, Trustpilot, and More
HWA doesn’t have Better Business Bureau accreditation, nor has it earned a letter rating from the BBB. The reason for its lack of accreditation and rating was a pattern of customer complaints, according to the BBB.
The HWA BBB page includes a response provided by Senior Manager of Escalations Eden Wallace on June 7, 2021. The company’s response to the BBB reads, in part:
“Home Warranty of America (HWA) serves hundreds of thousands of homeowners across the United States. Excellent customer service and quickly resolving all warranty claim issues is at the core of what we do. But due to Pandemic, the last year and a half has been challenging for our customers, employees and the business. Yet, we continue to put our customers first and have since adapted our business model to ensure best-in-class service going forward.”
HWA fares a bit better on the consumer review site, Trustpilot, where reviewing customers gave the company an average rating of 3.9 out of 5 stars across more than 1,900 reviews.
Here’s a positive review posted by a satisfied customer on Trustpilot:
“I entered my claim on a Sunday night and by Monday morning I already had a technician at my house who fixed the issue with my refrigerator. This speaks volumes of how easy it is to file a claim with HWA and how quickly they respond. This is not my first time filing a claim and I’ve always received outstanding service.” —Jorge Rodriguez, February 2025
Most of the comments regarding HWA on Reddit are several years old, posted well before the company’s ownership changed hands in January 2022. Here’s an unfavorable comment posted on Reddit by a customer who claimed the reimbursement amount offered by HWA for a replacement furnace was not enough to cover the total cost.
“Said they would cover my furnace replacement and then said I would have to cover the ‘extras,’ which were $6,000. A new furnace from a reputable local place with a 10-year warranty was $5,400. They said it only costs them $650 to provide a new furnace and install it, but obviously, that is not true if I have to pay $6,000 out of pocket.” —Reddit user Wild Revolution 1690, December 2024
Is Home Warranty of America Worth It?
A home warranty can help offset the unexpected costs of repairing or replacing major appliances or home systems. The value of a home warranty is closely tied to the reliability of the provider and the promised reimbursement limits.
Our research shows that Home Warranty of America’s aggregate coverage limit of $15,000 for the length of the warranty policy is adequate for most homeowners. The reliability of the company could be a question mark based on a pattern of unfavorable reviews posted publicly by customers. That said, most home warranty providers are subject to unfavorable reviews because customers are more likely to leave a review after a negative experience than a positive one, and HWA is no different.
Its monthly costs are in line with national averages, and its range of covered items and systems is on par with the top providers we’ve reviewed. If you believe you’ll be better served paying a monthly premium to HWA than setting money aside for annual repair or replacement costs, then this home warranty company might be worth it.
As with any purchase related to home services, we recommend requesting quotes and comparing coverage plans with at least three different providers before deciding on the one that’s right for you.
FAQs About Home Warranty of America
How do I file a claim with Home Warranty of America?
You can file a claim with Home Warranty of America 24/7 on the company’s website or via phone call. HWA maintains a team of customer service representatives available for emergency claims.
How does Home Warranty of America benefit real estate agents?
Home Warranty of America helps real estate agents by allowing them to purchase 13-month home warranties for their clients and offering a suite of sales tools to help them grow their businesses.
Does Choice Home Warranty own HWA?
Yes, Choice purchased an interest in HWA in February 2022 and announced it would continue to operate HWA as a separate entity for the foreseeable future.
Why is HWA not rated by the Better Business Bureau?
The BBB posted a notice on HWA’s BBB site that the home warranty provider was not accredited or rated because of a pattern of customer complaints.
When does HWA’s coverage begin for non-real estate agent coverage plans?
Coverage under HWA’s standard homeowner plans begins 30 days after the contract start date. This 30-day waiting period is not in effect for real estate professionals who purchase a home seller’s warranty.
How We Evaluated Home Warranty Providers
To gain an accurate and well-rounded understanding of home warranty companies and their plans, we researched the top companies, spoke with industry experts, combed through service contracts, secret-shopped providers, surveyed thousands of customers, and interviewed real home warranty owners.
Based on our research, our team developed a detailed methodology to score each company on six categories: coverage (35%), cost (20%), trustworthiness (15%), plan transparency (10%), customer support (10%), and flexibility (10%).
- Coverage: We awarded more points to providers that offer generous coverage caps and unique coverage options, such as coverage of preexisting conditions.
- Cost: Home warranties are a big investment, so average monthly cost and average service call fee were big factors considered in our ratings. We deducted points if providers imposed surcharges or extra fees, such as an after-hours service call upcharge.
- Trustworthiness: Research, online reviews, and secret shopping help us better understand the trustworthiness of home warranty companies. We awarded more points to providers with high average customer review scores, as this reflects a solid brand reputation.
- Plan transparency: Home warranty companies that take the guesswork out of signing up for a plan earned more points in our ratings. We like companies that have plan details on their websites and provide readily accessible sample contracts.
- Customer support: Companies received more points in our ratings for having quick response times and multiple customer support channels. Our team also submitted claims to multiple home warranty companies, including our top overall pick, American Home Shield. We did this to get a better understanding of how the claims process works and general processing times.
- Flexibility: The more plans and add-ons a company offers, the more options a homeowner has to customize their plan. We gave providers more points for offering a higher number of plans and add-ons, as well as providing service flexibility, such as the ability to choose your own technician or cancel your policy for free within 30 days.
