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Home Warranty of America Review

Bob Phillips Bob Phillips Last update:
Payout Caps
$5,000 per covered item, $15,000 per coverage period%
Service Fees
$75 or $100 Trade Call Fee
Contract Term
12 months

Overview

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
Contractors In-Network, 10,000+
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)
NHSCA Member No
BBB Rating C

Pros & Cons

Pros

  • Available nationwide
  • 25+ years in business
  • Transparent with pricing and contract

Cons

  • 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:

Add-On Price
GreenPlus $75
Stand Alone Ice Maker $35
External Water Line Repair $90
Pool/Spa Combo $150
Well Pump $85
Salt Water Pool $300
Septic Tank Pumping $50
Second Refrigerator $35
OrangePlus $75
Stand Alone Freezer $35
SEER/R-410A Modifications $75
2nd Dishwasher $35
2nd Clothes Washer $35
2nd Clothes Dryer $35
2nd Range/Oven/Cooktop $35
Septic System/Sewage Ejector Pump/Septic Tank Pumping $100

Service Fees

Home Warranty of America charges a $75 or $100 service fee, which the customer selects when the annual agreement is signed.

Payout Caps

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.

Coverage

Home Warranty of America Warranty Plans Premier Plan Coverage Premier Plus Plan
Heating System Furnace
Ductwork
Plumbing System
Stoppages & Clogs
Washer
Dryer
Refrigerator
Dishwasher (comprehensive coverage)
Garage Door Systems
Air Conditioners (including window units)  
Plumbing Fixtures, Faucets & Showerheads  
All Premier Items, Plus 30 more  

Exclusions

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.

Customer Service

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).

Final Thoughts

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.

Address

90 Washington Valley Rd. Bedminster, NJ 07921

Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Bob Phillips Bob Phillips
Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.
This review is based on the writer's personal opinion.