HWA Home Warranty Review UPDATED Oct 2021

8.6Our Rating
8.7User Rating
  • More than two decades of experience in the business
  • Easy online claim filing
  • Affordable plans starting at $24.95 per month
  • Both old and new appliances covered
  • No home inspection needed prior to signing a contract with HWA
HWA Home Warranty Homepage


Home Warranty of America is very proud of their flexibility and versatility. Their coverage plans are divided into two main categories – plans for buyers and sellers (i.e. homeowners who are represented by real estate professionals) and plans for existing home owners (i.e. people not represented by realtors). Depending on the state you live in, you will have between two and three plans to choose from in their For Buyers and Sellers category.

Their cheapest 13-month plan is called Gold and it covers the following: Unknown Pre-Existing Conditions, Unknown Insufficient Maintenance, Heating System/Furnace, Ceiling Fans and Exhaust Fans, Door Bells, Burglar and Fire Alarm Systems, Central Vacuum, Dishwasher, Garbage Disposal, Built-in Microwave, Range/Oven/Cooktop, Trash Compactor, Garage Door System, Water Heater (including Tankless), Kitchen Refrigerator with Ice Maker, Washer and Dryer, Whirlpool Bath Tub, Electrical System, Air Conditioning System/Cooler, Ductwork, Plumbing System, Stoppages/Clogs, Permanent Sump Pump.

Their Platinum plan covers all of the above, plus adds Premium Coverage which includes 30 items that home warranty companies usually avoid like code violations and permits of up to $250 and various plumbing repairs.

Their Diamond plan covers all of this and also gives you OrangePlus coverage, which includes improperly matched or installed systems and removal of defective equipment. This plan also increases potentially covered toilet replacements and repairs to $600 and professional series appliances replacements and repairs to $2,500.

Additionally, there is optional coverage that you can always pay for, such as the Pool/Spa Combo, 2nd refrigerator, additional pool/spa, salt water pool, septic system/sewage ejector pump, roof leak repair, standalone freezer, and subterranean termite treatment. Finally, there is their GreenPlus option where your covered systems or appliances will be replaced by a product that is ENERGY STAR qualified. You can also purchase OrangePlus and Premier Coverage.

Their Homeowner plans come in two variants – Premier and Premier Plus. The coverage is pretty much the same as with the buyer and seller plans. With homeowner plans, however, the difference between the Premier and Premier Plus is mainly in the Premium Coverage which adds 30 items that are usually not covered by home warranty plans. Once again, you can pay extra for the OrangePlus and the GreenPlus coverages. Also, keep in mind that the Premier plan does not cover the air conditioning system/cooler.

Terms and Conditions

While the Home Warranty of America website does not feature a dedicated Terms and Conditions page, they do have a sample coverage terms document that you can check to see the usual terms and conditions that come with their coverage plans.

Once you check out the sample contract, you will discover that not all parts of your appliances are covered by the contract. For example, if you garage door system breaks, it is highly likely that the malfunction will not be covered, as the contract specifies that garage doors, hinges and springs, infra-red sensors, chains, tracks, rollers and remote receiving/ transmitting devices are excluded from the coverage. The only parts included are the ones included in the garage door opener itself. The same goes for all appliances, which is why it is crucial that you carefully read through the contract, in order to know what you can expect. You should also take a look at the limitations in terms of how much Home Warranty of America is willing to pay during the contract period for repair or replacement of certain parts.

You can request a repair only after the coverage period start date has passed, which is 30 days after you have signed the contract. Every time a contractor comes to your home, you are required to pay a fee, regardless of whether you were at home or not, coverage is denied or not included, or your home is not easily accessible. This service fee, or the Trade Call Fee, as it is referred to in the sample contract, may range from $50 to $100, depending on your plan.

You are allowed to cancel the contract you signed at any time. If you cancel within 30 days since the contract start date and you haven’t requested any services, you qualify for a full refund and you are only required to pay a cancellation fee of the lesser of either $30 or 10% of the contract fee. If you cancel it after the first 30 days have already expired, you are entitled to a pro rata refund for the remaining part of contract term and also required to pay the abovementioned cancellation fee.

Customer Service

Home Warranty of America’s in-house customer service is available to you via phone and online 24 hours a day, 7 days a week, 365 days a year, including holidays. You can file a claim and request service directly from their site or call them toll-free and request that they send a qualified contractor to your home. In case of minor difficulties, the friendly staff can even help you solve the problem on your own, so you can avoid having to wait for someone to come over and also save money by not paying the Trade Call Fee.


When it comes to contractors, the people from Home Warranty of America leave nothing to chance. They have a long and thorough process of vetting their contractors, who start working for the company only when Home Warranty of America is absolutely and completely positive that the prospective contractors comply with their strict requirements.

Apart from selecting only the most qualified, reliable and hard-working of contractors, Home Warranty of America also makes sure they always have the right man for the job. Its Vendor Development Department is in charge of maintaining their database which includes thousands of contractors who specialize in different disciplines and come from all across the US.

Pros & Cons


  • 24/7 customer service
  • Flexible plans
  • Rigorous criteria for contractor selection
  • Energy Star certified replacement products


  • Numerous exceptions from coverage
  • Various coverage limitations

User Reviews

  • Submitted By Mary Finch
  • Company: HWA Home Warranty

    I’m a single mom and even if I knew how to fix stuff around the house, I wouldn’t have the time. HWA literally saved my life. My honest recommendations!


  • Submitted By Barry Mathews
  • Company: HWA Home Warranty

    Whoever claims to be satisfied with HWA must be living on a different planet. They never show up. I called them over a thousand times! Such a waste of money!


  • Submitted By Jeffrey Roberts
  • Company: HWA Home Warranty

    I took out an HWA home warranty a few months ago and called them this week for the first time. The repairman seemed very professional, came earlier than expected and fixed my AC in under an hour. They did charge some extra fees, but I’m pretty satisfied so far.


  • Submitted By Sam Krasnitsky
  • Company: HWA Home Warranty

    I guess it’s my fault I didn’t take the time to read through the miles-long contract, but it’s still unbelievable that I’ve called HWA 3 times so far and not a single issue I had was included in the contract. For the love of God, is there anything you CAN fix?


  • Submitted By Peter Short
  • Company: HWA Home Warranty

    HWA has been taking care of my household for nearly 4 years now. The contractors are super nice, they almost always come on time and really know their stuff. They even gave me some useful tips on how to take care of my dishwasher and fridge, so I don’t have to call them often. Those complaining about the coverage should learn how to read, everything is clearly listed in the contract.


  • Submitted By Jodie Cooper
  • Company: HWA Home Warranty

    My husband likes to do all the housework by himself, but let me tell you, no DIY solution beats professional work. I’ve managed to convince him to go with HWA, because my sister has been using their services for years and honestly, it’s the best decision we’ve made lately. It’s true that we had to wait a bit longer the first time, but they were only a day late and I wasn’t in that much of a hurry. The important thing is that once they fix something, it works perfectly and also, there is no ugly mess to clean up.


  • Submitted By Mitch Perry
  • Company: HWA Home Warranty

    To say that I have little trust in this kind of companies would be an understatement. I only decided to give HWA a try because I have hate fixing stuff and a friend from work mentioned it as a good choice. Last week, my garage door broke. Called HWA, asked them to send someone and they told me I’d have to wait for at least three days and apologized for the inconvenience. I wasn’t happy with the response, but I waited. Three days later, a guy I used to make fun of back in high school shows up, says he’s with HWA. It took him 2 hours to fix it. Could’ve done it myself in that much time and kept the cash.


  • Submitted By Sarah Bartz
  • Company: HWA Home Warranty

    I’ve just had the worst experience ever. My fridge broke down yesterday, so I called HWA and they said someone would come over later in the afternoon. I stayed at home, waiting for them with a mop in my hand, trying to prevent the water from ruining my hardwood floor. Not only did no one show up, but when I called them again, they told me that they were really busy and I should be more patient. Today, I called again and they said that a repairman would be here shortly. When he finally arrived, he just glanced at the fridge, said the malfunction was not covered and left. And I still have to pay the fee! This is outrageous!
HWA Home Warranty Review
Updated : 2021-10-13
Rating : 8.6/10

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