Home Warranty of America Review
Home Warranty of America offers homeowners and realtors annual contracts for home repair of major systems and appliances. The company has been in business for over 25 years (established in 1996) and is known for its transparency concerning its fees.
Home Warranty of America offers coverage in all 50 states plus the District of Columbia, which is a rarity in the home warranty industry. The company has a nationwide network of 10,000+ contractors they coordinate service through.
In a Nutshell
|Plan Types||Premier Plan and Premier Plus Plan|
|Coverage Territory||All 50 states and the District of Columbia|
|Is a home inspection required?||No|
|Contract Lengths Available||12 months|
|Benefit Limit Type||Limited to aggregate per covered item ($5K maximum) and aggregate per coverage period ($15K maximum)|
Pros & Cons
- Available nationwide
- 25+ years in business
- Transparent with pricing and contract
- More expensive than most competitors
- Don’t offer 24/7 support
- A high number of complaints per BBB
Plans and Pricing
Home Warranty of America’s pricing varies depending on the plan type, optional add-ons selected, and the Trade Call Fee (TFC) chosen ($75 or $100).
The Premier Plan covers common appliances (refrigerator, washer/dryer, dishwasher, stove, etc.), and heating system/furnace, water heater, and plumbing systems. It does not cover the air conditioning system/cooler. The Premier Plan costs $552.96 for a 12 month contract with a $75 TFC no matter which state you live in.
The Premier Plus Plan covers everything the Premier Plan covers, plus the air conditioning system/cooler. The annual cost for this plan is $719.04 nationwide for a 12 month contract with a $75 TFC.
Home Warranty of America also offers home warranty plans for real estate professionals. These plans are priced using different tiers (gold, platinum, and diamond) and have slightly higher aggregate limits. Prices can be obtained via the website.
Optional add-ons for the Premier and Premier Plus plans include:
|Stand Alone Ice Maker||$35|
|External Water Line Repair||$90|
|Salt Water Pool||$300|
|Septic Tank Pumping||$50|
|Stand Alone Freezer||$35|
|2nd Clothes Washer||$35|
|2nd Clothes Dryer||$35|
|Septic System/Sewage Ejector Pump/Septic Tank Pumping||$100|
Home Warranty of America charges a $75 or $100 service fee, which the customer selects when the annual agreement is signed.
Add-ons and systems covered by both plans have coverage limits. For example, electrical systems are capped at $2,000 per coverage period, $1,500 for heating systems, and $1,000 for appliances. These caps are average for the home warranty industry on most items and systems covered.
|Home Warranty of America Warranty Plans||Premier Plan Coverage||Premier Plus Plan|
|Heating System Furnace||✓||✓|
|Stoppages & Clogs||✓||✓|
|Dishwasher (comprehensive coverage)||✓||✓|
|Garage Door Systems||✓||✓|
|Air Conditioners (including window units)||✓|
|Plumbing Fixtures, Faucets & Showerheads||✓|
|All Premier Items, Plus 30 more||✓|
Home Warranty of America’s contract contains a long list of exclusions.
For example, stand-alone appliance exclusions include ice crushers, water lines and valves to the ice maker, mini-fridges, wine coolers, interior thermal shells, food spoilage, door seals, handles, and units moved out of the kitchen.
Claims & Repairs
Home Warranty of America doesn’t offer 24/7 support. Their customer service center is available Monday – Friday from 7 am to 7 pm Central and Saturdays and Sundays from 9 am to 5 pm Central.
Service providers are typically dispatched within 24 hours from when the service request is placed. Home Warranty of America does provide emergency service, and company technicians will help customers troubleshoot problems on the telephone when possible.
Home Warranty of America has national accounts with Carrier for HVAC equipment and GE to replace household items. Otherwise, they will dispatch someone from their network of service providers; the customer does not get to choose the service company.
Home Warranty of America has a C rating from the Better Business Bureau and is not BBB accredited. Most complaints (260+ closed in the past 12 months) are centered around slow response times and items not being covered under the contract. However, the company has provided detailed responses to all those who have filed complaints in a timely manner (typically 4-7 days).
Though Home Warranty of America is an established company, its BBB rating and the number of complaints filed are a concern. Their pricing is on the high side, but they do provide nationwide coverage. Like any contract, it is advisable that Home Warranty of America’s contract be read carefully before signing.
90 Washington Valley Rd. Bedminster, NJ 07921