Home > Home Warranty > Home Warranty of America Review (2023)

Home Warranty of America Review (2023)

Updated Jan 13, 2023

Updated Jan 13, 2023

Home > Home Warranty > Home Warranty of America Review (2023)

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Home Warranty of America (HWA) offers home warranty coverage at affordable prices and provides 24/7 customer service. Not to mention, this provider offers nationwide coverage—a rarity among most companies.

House Method is committed to providing quality information about the home warranty industry, only recommending the best home warranty companies. We looked into Home Warranty of America’s coverage, pricing, policy features, and customer reviews to give a comprehensive look into the home warranty provider.

Read our Home Warranty of America review to learn more about the company and how it stacks up against other top home warranty providers in the industry.

Pros and Cons of Home Warranty of America


  • Offers emergency services to customers if expedited service is needed
  • Gives customers choice of $75 or $100 trade call fee
  • Provides additional home warranty coverage on essential appliances and systems through Premium Upgrade


  • Doesn’t allow customers to cancel for free within first 30 days of contract
  • Doesn’t offer a sample contract for homeowners

Why Trust House Method

  • 63 companies reviewed
  • 41 key factors analyzed
  • 2,583 data points parsed
  • 885 homeowners surveyed
  • 57 service contracts scrutinized

House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.

Home Warranty of America plans, coverage, and cost

Home Warranty of America offers protection plans for homeowners, buyers, sellers, and real estate agents. For homeowners, Home Warranty of America offers two plans: a Premier Plan and Premier Plus Plan. Coverage for these service plans costs between $41–$53 per month and provides coverage on most major home appliances and systems that break down due to normal wear and tear.

For buyers, sellers, and real estate professionals, Home Warranty of America offers three plans: a Gold Plan, Premier Plan, and Diamond Plan. Coverage for these plans costs between $37–$49 per month and provides protection on a majority of home systems and appliances. Coverage and pricing for these plans is based on location and optional add-ons selected.

Premier Plan: $41 per month ($492 per month). This plan provides coverage on over 20 essential home appliances and systems.

  • Heating system
  • Ductwork
  • Water heater
  • Clothes dryer
  • Clothes washer
  • Kitchen refrigerator w/ice maker
  • Range/oven/cooktop
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Central vacuum
  • Electric system
  • Ceiling fan/exhaust fan
  • Burglar/fire alarm
  • Drywall
  • Doorbell
  • Garage door opener
  • Plumbing system
  • Instant hot water dispenser
  • Permanent sump pump
  • Stoppages/clogs
  • Whirlpool bath tub

Premier Plus Plan: $50 per month ($600 per month). This comprehensive plan includes everything under the Premier Plan, adding Premium Coverage and coverage for an air conditioner.

  • *Premium Coverage
  • Air conditioning
  • Heating system
  • Ductwork
  • Water heater
  • Clothes dryer
  • Clothes washer
  • Kitchen refrigerator w/ice maker
  • Range/oven/cooktop
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Central vacuum
  • Electric system
  • Ceiling fan/exhaust fan
  • Burglar/fire alarm
  • Drywall
  • Doorbell
  • Garage door opener
  • Plumbing system
  • Instant hot water dispenser
  • Permanent sump pump
  • Stoppages/clogs
  • Whirlpool bath tub

Optional coverage: Between $35–$300 per item. Home Warranty of America offers customers the option of additional coverage to add to any plan.

  •  GreenPlus**
  •  Limited roof leak repair
  •  Stand alone ice maker
  •  Pool/spa combo
  •  Well pump
  •  Salt water pool
  •  Septic tank pumping
  •  2nd refrigerator
  •  OrangePlus***
  •  Stand alone freezer
  •  SEER/R-410A modifications
  •  Septic system/sewage
  •  Ejector pump/septic tank pumping

* Premium Coverage gives protection to heating, cooling, plumbing, and kitchen appliance components that are ordinarily excluded, such as appliance rollers, door seals, handles, and knobs. For complete coverage details, view the Home Warranty of America sample coverage.

** GreenPlus coverage guarantees that if your dishwasher, refrigerator, clothes washer, heating system, or water heater breaks down and cannot be repaired, Home Warranty of America will:

  • Replace the dishwasher, refrigerator, and clothes washer with an ENERGY STAR product.
  • Replace the heating system with a 90% efficiency model
  • Replace the water heater with a tankless water heater.

*** OrangePlus coverage adds certain coverage to items that are otherwise excluded, such as coverage on building code violations and building permits.

Note: Home Warranty of America gives customers the option to choose between a $75 or $100 service fee, with a higher deductible lowering the monthly premium.

Price of HWA vs. competitors

This graph represents the monthly premium customers would pay under Home Warranty of America’s most basic plan against what they would pay for competitor plans. Note: these prices do not include the service fee amount.

Coverage Details for top systems and appliances

Our team at House Method wanted to find out the home warranty coverage that customers valued the most, so we surveyed 1,000 homeowners to see which appliances and systems were most important to them.

The results showed that the most important items were the oven/range/stovetop, electrical system, air conditioning, plumbing system, refrigerator, and clothes washer and dryer.


Home Warranty of America will cover the majority of parts and components of one refrigerator, including refrigerators with ice makers. Coverage doesn’t include cosmetic items like racks and shelves.


Home Warranty of America covers one range/oven/cooktop and all components and parts.

Clothes washer and dryer

Coverage for the washer and dryer includes protection on parts and components, except plastic mini-tubs, soap dispensers, filter screens, and door seals.


Home Warranty of America covers parts and components of the electrical system, except items like fixtures, carbon monoxide alarms, and damaged items due to power failures.


Coverage for the plumbing system includes leaks and breaks in water lines, toilet tanks, instant hot water dispensers, and valves for showers and tubs. Coverage doesn’t include most stoppages and clogs, saunas or steam rooms, and sewage ejector pumps.

Air conditioning

All components and parts of ducted electric central air conditioning and ducted electric wall air conditioning are covered under Home Warranty of America. Coverage doesn’t protect items like wall units, water towers, and cooling and pump pads.

Coverage length

Homeowners will receive a contract length of 12 months, whereas real estate agents, home buyers, and home sellers will get 13 months of coverage.

Coverage limits

Although coverage from Home Warranty of America covers most appliances and systems, it doesn’t cover everything. HWA may deny claims for the following reasons:

  • Rust or corrosion caused the item to break down.
  • The broken item failed due to improper installation or maintenance.
  • The item was broken prior to the start of the contract.

Despite Home Warranty of America not covering appliances or systems due to these reasons, the provider does cover older systems and appliances and doesn’t require an inspection prior to coverage.

See if your is covered by Home Warranty of America

All 50 states and Washington D.C. are covered by Home Warranty of America. 

Our take

Home Warranty of America provides customers with two plan options that cover most major home appliances and systems at an affordable price. Coverage starts at a little over $40 per month with a $100 deductible, which is a little less than the industry average.

HWA offers excellent customer service, allowing policyholders to file claims at any time. This provider also offers emergency services if an appliance or system repair needs to be expedited. 

Though Home Warranty of America provides extensive coverage, it doesn’t allow customers to cancel their contract for free within the first 30 days. Additionally, the company isn’t very transparent with its offerings, as it doesn’t supply a sample contract for just homeowners or go into detail about coverage options and limits.

Home Warranty of America Services ratings

  • Plan options: 5.0 / 5
  • Breadth of coverage: 3.9 / 5
  • State availability: 5 / 5
  • Cost: 4.5 / 5
  • Trustworthiness: 4 / 5
  • Customer service: 4 / 5
  • Unique benefits: 0 / 5

What others are saying

As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by HWA customers. That’s where we come in. At House Method, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.

Below, we’ve included Cinch Home Services’ ratings compared to the industry average.


YELP1.0 / 5 (out of 563 reviews)1.2 / 5 (out of 375 reviews)
BBB1.2 / 5 (out of 856 reviews)2.0 / 5 (out of 956 reviews)

Frequently asked questions about Home Warranty of America

What is HWA?

HWA stands for Home Warranty of America, which provides home warranty plans for real estate agents, home buyers, sellers, and homeowners.

How does service from Home Warranty of America work?

If a covered item breaks, simply file a claim online or over the phone with a customer service representative. Once the claim is processed, a service technician will come out to your house to assess the item in question. At this time, home repairs will be made or a replacement will be scheduled. Before the service technician leaves, you’ll owe the agreed upon service fee.

Final thoughts

House Method gives Home Warranty of America 3.9 out of 5 stars. Our review of the provider shows that they offer comprehensive coverage but lack unique benefits such as choosing your own service technician or free policy cancellation.

We believe Home Warranty of America is a good choice for you if…

  • your appliances and systems are on the fritz. With the optional GreenPlus coverage, Home Warranty of America will replace your broken appliance or system with a more energy efficient model.
  • you prefer to choose your deductible. Home Warranty of America allows customers to choose between a $75 and $100 service fee, with a higher deductible lowering the monthly premium.

Home Warranty of America may not be the best option for you if…

  • you want to test out a home warranty. Since HWA doesn’t allow customers to cancel their home warranty plan within the first 30 days at no charge, this home warranty may not be a good choice if you’re on the fence about home warranty coverage.
  • if you’re looking for just appliance or system coverage. Home Warranty of America doesn’t provide coverage for just appliances or just systems. Both of their offered plans cover a combination of the two.

Compare home warranties

Though Home Warranty of America is a top-rated provider, there are other home warranty companies that may be just as beneficial. Compare the best home warranty companies in the industry below.

House Method recommends other home warranties besides this one. Check out some of our other expert reviews on our top-rated providers to get all the information you need. Remember, each of these companies gives a free quote.


At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.

Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.

For more details, check out our affiliate disclosure and rating methodology.

Company information

  • Company name: Home Warranty of America, Inc.
  • Years in business: 23
  • Telephone: (888) 492-7359
  • Address: P.O. Box 850
  • City/State: Lincolnshire, IL
  • Zip code: 60069-0850
  • State availability: Nationwide
  • BBB rating: N/A

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