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Home Warranty of America Reviews


bestfor-icon Trusted for Over 25 Years

Written by Bob Phillips

About Home Warranty of America | Read More


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Mon - Fri 7:00 AM - 8:00 PM Central
Saturday 8:00 AM - 6:00 PM Central
Sunday 9:00 AM - 5:30 PM Central
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  • (888) 492-7359
  • Headquarters: 1202 Avenue J, Unit #1061 Brooklyn, NY 11229-4107
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Home Warranty of America Home Warranty Review

Home Warranty of America offers two home warranty plans plus numerous add-on options the customer can choose from. A network of licensed contractors provides service technicians. You can select your service fee with Home Warranty of America, which will vary based on the plan chosen.

Home Warranty of America Home Warranty Highlight


Service Fees

Varies by item

Payout Cap

$150 Off + 1 Month Free




A national network of repair technicians.


Not Required

Home inspection


Other Fees


Origination Fee


Prepayment Fee

$15,000 per coverage period (12 months)

Benefit Limit Type


BBB Rating



Typically, under 24 hours

Response Time

12 months

Contract Length Available

Pros & Cons

  • con-icon Service available nationwide
  • con-icon 25+ years in business
  • con-icon Competitive pricing
  • con-icon Choice of service technician not permitted
  • con-icon No coverage for air conditioning under Select Plan
  • con-icon Many poor customer reviews online

Plan Types


  • Select Plan
    Pricing from $46.08 monthly/$553 yearly
  • Select Plus Plan
    Pricing from $59.92 monthly/$719 yearly

Optional Add-Ons

Pool/spa combo, salt water pool, well pump, septic tank pumping, septic system

Payout Caps

Varies by item (i.e., electrical system: $2,000, heating system: $1,500, appliances: $1,000)


$150 Off + 1 Month Free

Payout Limitations

Home Warranty of America has set a cap of $5,000 for each covered system and an annual aggregate limit of $15,000 for home repairs and replacements. The payout limits are $1,500 for heating systems, $1,000 for water heaters, ductwork, and electrical (though electrical can go up to $2,000), and $400 for the majority of appliances and alarm systems.

It’s important for homeowners to be aware that these payout amounts are typically lower than the price of brand-new appliance units. Additionally, they might often fall short of the actual repair costs for many systems.


Standard exclusions of home warranty companies, including items covered by manufacturer’s warranty, routine maintenance, natural disasters, damage caused by pets or pests, manufacturer defects, owner negligence

Plans & Pricing

Home Warranty of America plans:

Plan Monthly Yearly
Select Plan $46.08  $553
Select Plus Plan $59.92 $719

Home Warranty of America coverage:

Item Covered/Plan Select 
$46.08 monthly/$553 yearly
Select Plus
$59.92 monthly/$719 yearly
Air Conditioning
Clothes Washer
Clothes Dryer
Plumbing Stoppages
Plumbing System
Water Heater
Built-in Microwave Oven
Garbage Disposal
Garage Door Opener
Whirlpool Bathtub
Ceiling and Exhaust Fans

Service Fees

Service fees are $75 to $100 per call, depending upon the plan the customer selects.

Home Warranty of America Review : How to Get Started

A home warranty plan with Home Warranty of America can be purchased on the company’s website through a three-step process.

Home Warranty of America Review : How to Get Started

Claims with Home Warranty of America can be filed online through the customer portal or by calling customer support during regular business hours.

State Availability

- Available in all states

Written by Bob Phillips linkedin-icon twitter-icon

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.



Where does Home Warranty of America do business?

Home Warranty of America operates in all 50 states and the District of Columbia.

Will I be turned down for coverage if I have older appliances?

No, as long as the appliances are in good working condition when you apply for the coverage.

No, as long as the appliances are in good working condition when you apply for the coverage.

You can file a claim online 24/7/365 or call the toll-free customer service number during regular business hours.

Customer Support

Home Warranty of America provides a toll-free customer service number on its website. We found it easy to work through the phone system’s menu options and connect with a customer service representative.

Home Warranty of America customers can also submit claims via the customer portal.

Privacy & Security

Home Warranty of America has a Privacy page on its website detailing its privacy policy and website security. The company’s Privacy page also states they do not rent or sell a customer or prospective customer’s personal information but may share or disclose personal information with its affiliates, service providers, or other third parties that work with them.

In Conclusion

Home Warranty of America offers 24/7 online customer service and access to live customer service representatives during regular business hours. Online reviews for Home Warranty of America are mostly negative, citing slow response times and items not being covered under the contract.