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Home Warranty of America Review

Michael Graw

In a Nutshell

Home Warranty of America offers home warranty plans with comprehensive coverage. You can request a service visit online or over the phone and a certified technician will get in touch right away to schedule an appointment. Home Warranty of America covers appliance repair and replacement for most appliances, plus your home’s electrical system, ductwork, and heating system. Overall, the company provides extensive coverage and a good value.

pros

  • Covers most home appliances
  • Request service online or over the phone
  • 30-day money-back guarantee

cons

  • May offer cash in lieu of repair or replacement
  • 30-day waiting period

Home Warranty of America Home Warranty of America Visit Site

Home Warranty of America Plans

Home Warranty of America offers two home warranty plans: Premier and Premier Plus.

The Premier plan offers basic coverage for your heating system, plumbing system, water heater, dishwasher, stove, oven, and garage door system. It also offers complete repair and replacement coverage for your washer, dryer, refrigerator, electrical system, ductwork, sump pump, and burglar and fire alarm system. 

The Premium Plus plan adds coverage for your home’s AC system. It also provides additional coverage for components of your heating system, plumbing system, dishwasher, stove, and garage door that aren’t covered under the Premier plan. This includes, for example, the rack and baskets in your dishwasher.


Premier
Premier Plus

Best for

Essential home coverage

AC system coverage

AC system

X

Premium coverage

Heating system and furnace

Basic coverage

Premium coverage

Plumbing system

Basic coverage

Premium coverage

Water heater

Basic coverage

Premium coverage

Garage door system

Basic coverage

Premium coverage

Dishwasher

Basic coverage

Premium coverage

Built-in microwave

Basic coverage

Premium coverage

Range, oven, and cooktop

Basic coverage

Premium coverage

Trash compactor

Basic coverage

Premium coverage

Whirlpool bathtub

Electrical system

Ductwork

Sump pump

Doorbell

Ceiling and exhaust fans

Central vacuum

Burglar and fire alarm system

Refrigerator

Garbage disposal

Washer and dryer


Optional Add-Ons

Home Warranty of America offers additional coverage for:

  • In-ground pools and spas

  • Well pumps

  • Septic tanks

  • Water softeners

Plan Exclusions

Home Warranty of America plans have a 30-day waiting period before your coverage takes effect. Policies exclude coverage for any appliance that is in violation of building or zoning code requirements and do not cover pre-existing issues with your appliances.

Whether appliances are repaired or replaced is at the discretion of Home Warranty of America. The company may offer cash in lieu of repair or replacement. Cash payouts are at the company’s actual cost, which may be less than the cost of replacing an appliance.

Home Warranty of America Plan Pricing

Home Warranty of America offers pricing by quote only. Your cost will depend on the size, age, and location of your home.

Pricing starts at $46.08 per month for the Premier plan or $59.92 per month for the Premier Plus plan. This is on the pricey side relative to other home warranty policies, but Home Warranty of America’s plans are fairly comprehensive. All Home Warranty of America plans come with a 30-day money-back guarantee.

In addition, Home Warranty of America plans come with a deductible that you must pay for each service visit. This deductible starts at $75 and is determined by Home Warranty of America. It cannot be customized when selecting your plan.

How to File a Claim with Home Warranty of America

You can request a service visit from Home Warranty of America online or over the phone. For your service, the company will choose a licensed technician, who will get in touch with you to schedule an appointment. It typically takes several days for the technician to arrive, although Home Warranty of America can provide expedited service in the event of emergencies.

Importantly, you must go through the request process to schedule a service. Home Warranty of America will not cover repairs that have not already been approved.

There are no individual payout caps for most appliances that Home Warranty of America covers. However, coverage for heating systems is limited to $1,500 per incident, coverage for water heaters is limited to $1,000 per incident, and coverage for electrical repairs is limited to $2,000 per incident. Coverage is limited to a maximum of $15,000 per year across all covered appliances and systems.

Home Warranty of America does not charge a second deductible for additional service visits for the same appliance or home system within 30 days.

Is Home Warranty of America Legit?

Home Warranty of America has been in business for more than 25 years and offers a 30-day money-back guarantee with every plan. The company has a 3.3-star rating on Trustpilot and a C rating with the Better Business Bureau. Many customer complaints cited Home Warranty of America offering small cash payouts in lieu of repair or replacement for damaged appliances.

What’s Unique About Home Warranty of America?

Home Warranty of America offers a 30-day money-back guarantee with every plan. In addition, this company never requires you to pay out-of-pocket for repairs or replacement. The company takes care of finding a licensed service technician and pays for all covered repairs, excepting your fixed deductible.

Help and Support

Home Warranty of America offers customer support by phone and email from 7AM-8PM (CT) Monday-Friday, 8AM-6PM Saturday, and 9AM-5:30PM Sunday. You can also request a service visit through your online account 24/7. A technician chosen by Home Warranty of America will typically get in touch with you within several days of your request, sooner in case of emergencies.

Home Warranty of America’s website has a basic FAQs page that answers questions about its plans and claims process. The company also provides a sample contract.

What about the Home Warranty of America App?

Home Warranty of America does not have a mobile app at this time.

How to Get Started with Home Warranty of America

Getting started with Home Warranty of America is simple. Just enter your name and contact details along with your address, property type, and the approximate square footage of your home. Home Warranty of America will contact you within 1-2 days by phone to deliver your custom quote. You can pay to activate your policy online or over the phone.

How Home Warranty of America Compares to Other Home Warranty Services

Home Warranty of America plans are higher in base price than those of many competitors. However, the company’s policies are also more comprehensive. For example, Choice Home Warranty doesn’t cover your refrigerator, washer, or dryer with its Basic plan.

On the other hand, Home Warranty of America’s competitors let you choose your own contractors from thousands of in-network providers. With Home Warranty of America, the company chooses a technician for you. This means you don’t have to shop around, but it also takes away some flexibility.


Home Warranty of America
Choice Home Warranty
American Home Shield
Liberty Home Guard

Average annual premium

$550-$700

$476–$660

$500-$700

$479–$839

Contractors

Provided by Home Warranty of America

15,000 in-network

17,000 in-network

10,000 in-network

Service call fee

$75-$125

$75-$85

$75-$125

$60-$75

Service requests

24/7

24/7

24/7

24/7


The Bottom Line

Home Warranty of America offers comprehensive home warranty plans that cover most appliances and home systems without the need to purchase add-ons. However, this comprehensive coverage means that Home Warranty of America’s plans are more expensive than those of competitors.

Home Warranty of America chooses a technician for you when you make a service request. Some homeowners may appreciate the simplicity of this approach, but others may prefer to choose their own contractors from a selection of in-network providers.

For homeowners who prefer more flexibility or more affordable plans that only cover the essentials, Home Warranty of America may not be the best choice. But overall, Home Warranty of America provides good value for homeowners who want complete protection. 

Home Warranty of America Home Warranty of America Visit Site

FAQs

Is Home Warranty of America worth it?

Home Warranty of America covers nearly all of your home’s appliances, electrical systems, plumbing, and more. This home warranty service is likely to be worth it for homeowners who want to be protected from major costs and who don’t mind having a service technician chosen for them.

What is the rating for Home Warranty of America?

Home Warranty of America has a 3.3-star rating on Trustpilot and a C rating with the Better Business Bureau.

When does Home Warranty of America coverage begin?

Home Warranty of America coverage kicks in 30 days after you make your first payment for your contract.

Michael Graw is a freelance journalist and photographer based in Bellingham, Washington. His work has been published on a wide selection of popular websites, and he has built a solid reputation for his writing in the technology and finance sectors. Michael has a particular interest in new technology and runs a small business where he constantly puts the latest web, business, and consumer tech through its paces.

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25 Sep 2022

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