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Home Protection of America Home Warranties Review


ConsumersAdvocate.org Rating: 4.4 / 5 (Excellent)
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Founded in 2000, Home Protection of America offers home warranty policies that cover all major home systems and a wide range of appliances. Customers can select either a systems-only or combination plan. The company is noteworthy for offering plans that don't include deductibles or service call fees and for allowing customers to hire their own contractors. Home Protection of America is located in Lakewood, New Jersey.
 
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How Do We Rate Home Protection of America?

Breakdown

4.5/5
Transparency
4.5/5
Claims Processing
3.8/5
Coverage Options
4.8/5
Additional Benefits
4.5/5
Customer Experience

Our Overall Rating: 4.4 / 5 (Excellent)

Home Protection of America offers coverage for both appliances and home systems. Customers can choose either a systems-only or a combined appliance-and-systems plan to suit their service needs. The range of systems and appliances covered under Home Protection of America's standard policies is quite broad.

Home Protection of America warranty plans stands out for several reasons. The first is their all-inclusive pricing. Under most plans, customers do not pay a service fee or deductible when a contractor completes a repair. Home Protection of America also allows customers to choose their own service contractors, provided the contractor is licensed and insured. Lastly, Home Protection of America doesn't put a cap on the number of claims you can make in a single year.

However, total plan benefits are capped at $10,000. If you have exceeded your benefit limit, the company can choose not to renew your plan. That's how the company limits its exposure.

Given that Home Protection of America warranties are priced a little higher than similar warranties, it's important to consider whether the total amount of protection you can expect to receive is worth the higher cost of coverage.

Coverage

Key Facts

Plan Types
Systems
Combo Plan
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
$10,000

Coverage Options - 3.8 / 5

Home Protection of America offers the option of system coverage only or a combined systems-and-appliances plan. Within each of those plans, the company covers a wide range of home features as part of their standard agreements. We appreciated that Home Protection of America doesn't nickel and dime you over every appliance you may want covered.

The flipside of that coin is that their plans are not very customizable. Customers whose homes don't have a lot of extra features will probably pay for coverage they'll never use. The only optional coverage you can elect with a Home Protection of America plan is for pools and spas or septic and well systems. But for customers who want the peace of mind that comes with knowing their homes are covered top to bottom and side to side, the company's comprehensive plans might be very attractive. You never know when you might want to add an instant hot water dispenser, second fridge, or trash compactor.

What does Home Protection of America cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pump
  • Air Conditioning (Including Ductwork)
  • Heating System (Including Ductwork)
  • Garage Door Openers
  • Garbage Disposals
  • Toilets
  • Furnace

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Built-In Trash Compactors
  • Garage Door Openers
  • Built-in Food Centers
  • Garbage Disposal
  • Central Vacuum
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Specialty Items

  • Pool/Spa
  • Septic Tank/Pumping
  • Well Pump

Contract & Price

Contract Details

Minimum Contract Length
1 month(s)
Home Inspection Required for Contract?
No
Online Quote/Application

Contract & Price - 4.2 / 5

You can purchase a Home Protection of America warranty plan by the month or select a term of one, three, or five years. The company's annual premiums are slightly higher than average. However, their standard plans are quite comprehensive so you do get a lot of protection for the money—at least from the perspective of covered items. When evaluating whether Home Protection of America warranties are a good buy, customers should take into account that the company places a lifetime coverage cap at $10,000. Individual system and appliance caps of $5000 also apply.

Sample Contract

Home Protection of America provides a sample contract for potential customers on its website: Home Protection of America Sample Contract

Cancellation Policy

You can purchase a Home Protection of America warranty by the month or for a term of one, two, and three years. If you cancel your policy within thirty days of signing your contract and haven't made any claims, the company will refund your money. Thereafter, the company will return your money on a pro-rated basis, minus the cost of any repairs they've paid for. You will also be assessed a $50 cancellation penalty.

Home Protection of America makes sample contracts available on its website for customers to read. We encourage readers to read the full contract associated with any home warranty they're considering purchasing.

Claims & Service

Claims

Service Fee
Coverage is available with no service fees.
Maintenance Records Required for Service?
No
Waiting Period
30 days

Contractors & Service

Contractor Selection
Any Contractor

Claims Processing - 4.5 / 5

You can submit a claim on your Home Protection of America warranty online or by phone. The company does not discuss its response time on its website. Nor does it mention the size of its own contractor network.

One unusual feature of Home Protection of America plans is that the company permits you to hire your own service contractors. If you wish to hire your own contractor, you must have your claim pre-approved by Home Protection of America and your contractor will have to meet some basic criteria, such as carrying liability insurance. All contractors are paid directly by Home Protection of America and customers do not have to pay any money upfront. One point worth noting is that the company will not pay for emergency service unless they deem the requested repair a genuine emergency. We mention it because it's easy to see how conflicts between the company and its customers may arise over that particular rule.

Home Protection of America Reputation

Company Details

Year Founded
2000
NHSCA Membership
BBB Rating
A+
Date Collected
2021-08-23

Reputation - 4.3 / 5

Home Protection of America was recently accredited by the Better Business Bureau and earns an A+ rating from the organization. No complaints against the company have been filed to date. Since home warranty companies typically take a lot of heat on consumer review sites, Home Protection of America is faring well compared to its competitors. The company is not rated on Trustpilot.

Contact & Additional Information

Homepage URL
https://hpoa.com
Company Phone
(888) 466-3081
Headquarters Address
3430 Sunset Avenue, Ocean, NJ, 07712
Year Founded
2000

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Customer Comments & Reviews

Loading Reviews ...
chuckbailey
2/22/2024
Have had HPOA FOR BOUT 2 YEARS. 3 days ago lost my furnace.Had 3 contractors come out 2of the 3 said do not fix replace other said $2880 his cost to repair but would not warranty it. Bothe heat exchangers went bad. HOPA OFFERED ME $700 I SAID NOT THE $750 I SAID NO THEN $1000 I SAID NO THEY THEN SAID SORRY YOUR OUT OF LUCK WE WONT PAY ANYMORE. PLEASE STAY AWAY THEY ARE GREAT UNTIL YOU HAVE A PROPLEM.tODAY OI TALKED TO 2 OTHER PROVIDERS ONE WAS CINCH they say they pay up to $10,000 for repairs. will sign up with them tomorrow STAY AWAY FROM HPOA NOT ANY GOOD

K
Ken W
1/9/2023
Had a claim, you r company would not return my calls. BBB advertising is phony

jam853
10/24/2022
two days and no response. answering machine will not take message. Home unsecure due to garage door not working. DO NOT USE THIS COMPANY

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