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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.
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 | ✓ | ✓ |
Home Warranty of America offers additional coverage for:
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.
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.
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.
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.
Home Warranty of America does not have a mobile app at this time.
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.
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.
Home Warranty of America Alternatives
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 |
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.
Frequently Asked QuestionsMichael Graw is a freelance writer specializing in finance, business, and tech who writes for Top10.com. His work has appeared in numerous well-known online and print publications, including Techradar, BestMoney, Business2Community, Day Trade Reviews, Pacific Standard, Fortune, Business Insider, and more.