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Home Warranty of America offers two plans: Premier and Premier Plus. According to Home Warranty of America’s website, the Premier Plus plan includes 30 items that are not usually covered by home warranties, but you’ll need to review a sample contract for more specific details. Home Warranty of America also offers a GreenPlus plan that covers ENERGY STAR appliances and systems.

Data and rating accurate as of March 2018

Our home warranty reviews at a glance

Price –
$ $ $ $ $

Home Warranty of America does not give out static prices for their plans online because prices vary according to location. Instead, the provider encourages homeowners to contact them for a free quote or check out their costs page, where you can enter your state and see approximate plans and pricing.

According to Consumers Advocate, “Premiums with Home Warranty of America vary by state, but are generally around $580 a year for their Premier plan, and $695 a year for Premier Plus. Their GreenPlus plan offers very low yearly premiums at $5 to $75 per year.”


Premier Premier Plus Add-ons
Heating system/furnace Heating system/furnace 2nd refrigerator
Ductwork Ductwork Stand-alone ice maker
Plumbing system Plumbing system Freezer (stand-alone)
Stoppages/Clogs Stoppages/Clogs Pool/Spa combo
Toilet Toilet Additional pool/spa
Permanent sump pump Permanent sump pump Salt water pool (must be purchased with Pool/Spa combo)
Water heater including tankless Water heater including tankless Well pump
Instant hot water dispenser Instant hot water dispenser Septic tank pumping
Whirlpool bathtub Whirlpool bathtub Septic system
Electrical system Electrical system Roof leak repair
Ceiling fans and exhaust fans Ceiling fans and exhaust fans
Door bells, burglar & fire alarm systems Door bells, burglar & fire alarm systems
Central vacuum Central vacuum
Dishwasher Dishwasher
Garbage disposal Garbage disposal
Built-in microwave Built-in microwave
Range/Oven/Cooktop Range/Oven/Cooktop
Trash compactor Trash compactor
Garage door system Garage door system
Kitchen refrigerator w/ ice maker Kitchen refrigerator w/ ice maker
Washer/Dryer package Washer/Dryer package
Air conditioning system/cooler
Increases toilet replacement up to $500
Plumbing–fixtures, faucets, shower heads, stoppages/clogs
Plus 30 items traditionally not covered by basic home warranty plans.

Service fee

Home Warranty of America calls their service fee a “Trade Call Fee” and give you two options. You can choose either a $100 fee for a lower monthly rate or a $75 fee for a higher monthly rate.

Claims process

After the standard 30-day waiting period, warranty holders can file a claim online or over the phone. Unlike most home warranty companies, Home Warranty of America does not require you to use service professionals in their network. They do require that you get your service professionals pre-approved, though, which can slow down the repair process.

Coverage length

Home Warranty of America offers a renewable, 13-month plan.

Coverage exclusions

Though maintenance records are not required for service, Home Warranty of America can deny any claims made on appliances or services that have not been properly maintained or installed. Home Warranty of America will not perform any work related to basic maintenance of systems or appliances.

Years in business

Home Warranty of America was founded in 1996 and has been in business for 22 years.

Better Business Bureau rating

The Better Business Bureau (BBB) gives Home Warranty of America a B rating. Although 88% of BBB’s Home Warranty of America reviews are negative, the company has done a good job of addressing all of the negative reviews and complaints in a timely and efficient manner.

Consumers Advocate review

Consumers Advocate has given Home Warranty of America a 6.6/10, which is technically a “very good” on their rating scale. If interested, here are more Home Warranty of America reviews from Consumers Advocate.

Home Warranty of America customer reviews

The BBB lists a Home Warranty of America review by a woman named Barbara that reads:

“I have been with HWA for 2 years now and just renewed for another year. They are very prompt with getting a service provider for whatever we have needed. I only had one problem with a provider and they gave me another provider and problem was fixed in a timely manner.”

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