- 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
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
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.
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