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Home Warranty of America Review


ConsumersAdvocate.org Rating: 2 / 5 (Poor)
147 Customer Comments & Reviews - see all comments
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Home Warranty of America, Inc. is a home and appliance insurance provider headquartered in Lincolnshire, Illinois.

With over 20 years of experience in the business, the company offers quick, innovative, and affordable solutions through their 13-month Home Warranty plans and energy saving options.

The company currently holds a B rating with the Better Business Bureau.
 
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How is Home Warranty of America rated?

Breakdown

0.0/5
Transparency
3.0/5
Claims Processing
3.5/5
Coverage Options
0.0/5
Additional Benefits
3.5/5
Customer Experience

Overall Rating: 2 / 5 (Poor)

Home Warranty of America offers comprehensive home warranty plans that cover more than most other basic plans.

Although their annual premiums and call service fees are on the higher end, when compared to similar offers, the company does provide excellent additional coverage such as the GreenPlus option, which replaces old systems and appliances with high-efficiency models.

With extensive coverages, fitting prices, a flexible cancellation policy, and 24/7 claims processing, Home Warranty of America provides everything a discerning customer could wish for.

Coverage

Key Facts

Plan Types
Combo Plan
Build Your Own
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
$1,000
Typical Appliance Benefit Limit
$1,000
Typical Systems Benefit Limit
$1,000

Coverage Options - 3.5 / 5

Home Warranty of America offers two plans, the Premier and Premier Plus, which include coverage for over 30 items traditionally not covered under basic home warranty plans.

The company also provides optional coverage for secondary appliances, saltwater equipment, and even primary and secondary pools or spas.

Besides offering a remarkably extensive coverage, HWA also has a GreenPlus plan that allows customers to replace their covered systems or appliances with Energy Star-qualified products.

This last option is available for $5.77 a month or $75 a year, which delivers excellent value, considering the amount of water and electricity customers can save using high-efficiency models.

What does Home Warranty 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

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Garbage Disposal
  • Stand Alone Freezer

Exclusions

For a full list of Home Warranty of America exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $580
Minimum Contract Length
13 month(s)
Home Inspection Required for Contract?
No

Contract & Price - 3 / 5

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.

Although their annual premiums are on the higher end in comparison with their competitors, they are still within a reasonable range.

HWA's plans provide coverage for 13 months, and can be cancelled at any time within the first 30 days of coverage, yet a cancellation fee of 10%, no less than $30, will be deducted from the payment, plus any service fees.

Those who wish to cancel after the first 30 days are able to do so but will receive a pro-rata refund of the amount paid for the unexpired term, minus service fees and the 10% cancellation fee.

Sample Contract

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

Cancellation Policy

You may cancel this Contract at any time.

HWA may only cancel this Contract due to Your non-payment, fraud, material misrepresentation or breach of this Contract.

In addition, HWA may be required to cancel this Contract as a result of a decision or order of a governmental body or a change in laws or regulations.

If either You or HWA cancel this Contract within thirty (30) days from the Contract Start Date set forth on Your Coverage Letter and You have not received any Service, You are entitled to a full refund of the amount paid by You under this Contract less a cancellation fee of the lesser of $30 or 10% of the Contract fee (unless otherwise required by state law).

If You have not received any Service and either You or HWA cancels this Contract after thirty (30) days from the Contract Start Date, You are entitled to a pro rata refund of the amount paid by You for the unexpired term, less a cancellation fee of the lesser or $30 or 10% of the Contract fee (unless otherwise required by state law).

If You have paid in full for the term and You cancel this Contract before the end of the term and You have received Service, You shall be entitled to a pro rata refund of the amount paid by You for the unexpired term less a cancellation fee of the lesser of $30 or 10% of the Contract fee (unless otherwise required by state law) and less any actual Service costs incurred by HWA.

If You are enrolled in a monthly payment plan and You cancel this Contract before the end of the term and You have received Service, then You will be responsible for the cancellation fee of the lesser of $30 or 10% of the Contract fee (unless otherwise required by state law) and the lesser of the costs incurred by HWA or the balance due under this Contract.

Claims & Service

Claims

Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
30 days

Claims Processing - 3 / 5

Home Warranty of America charges different service fees for each plan, between $60-$100.

Though they have a standard 30-day waiting period before the coverage can begin, maintenance records aren't necessary to receive service.

HWA states they are not responsible for routine maintenance of systems, appliances, or components.

Clients who want those items to remain in working order will have to service themselves.

Two excellent things about this company is that they offer 24/7 claims processing and though they require authorization for contractors before providing services, these don't necessarily have to be from their network.

Home Warranty of America Reputation

Company Details

Year Founded
1996
NHSCA Membership
Number of Employees
201-500
BBB Rating
B
BBB Positive Reviews
4
BBB Neutral Reviews
7
BBB Negative Reviews
189

Reputation - 4.5 / 5

Home Warranty of America is accredited by the Better Business Bureau and holds a B rating with a composite score of 2.87 out of 5 stars, based on 223 customer reviews.

However, the company does have more negative reviews than positive ones and has received a substantial number of complaints, which is in line with general trends in the industry.

Home Warranty of America is a member of the National Home Service Contract Association.

Contact & Additional Information

Homepage URL
https://www.hwahomewarranty.com/
Company Phone
(888) 492-7359
Headquarters Address
1351 Abbott Ct, Buffalo Grove, IL, 60089
Year Founded
1996

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147 Customer Comments & Reviews

Loading Reviews ...
914melissam
12/12/2023
DO NOT purchase their "Real Estate Plan" as they will ask to see your home inspection report with EVERY claim. If the report mentions ANYTHING about the issue you are having they will DENY your claim as a pre-existing condition even if the failure came after close of escrow. Save your money and frustration. Also, HWA has MANY other warranty companies under their umbrella so you may have the same issues. BE CAREFUL as they are in the biz to NOT PAY YOUR CLAIMS (two denied so far). Also, their contractors, which you must use and have no choice of, are paid contracted rates by HWA. Keep in mind the chance of a replacement is pretty much nill no matter the age or severity of issue. Look... Read More

R
Roohul
5/7/2023
I was told that HWA is bought by Choice Home warranty, is this true, I am in North Texas location and one of the tech told me that HWA clients are with Choice home warranty, Can someone clarify,

kbennett289
4/10/2023
The seller of my house included a warranty with this company when I bought it. The warranty is about to expire. HWA keeps calling and emailing me, despite me communicating that I was not interested in renewing. The calls/emails are continuing, which at this point feels like harassment.

G
Greg V
8/24/2022
Do not use this company. Customer service is non-existent. Communication is non-existent. They do anything and everything to not pay a claim, even when the contract holder has followed all requirements to the letter. Again, DO NOT USE HOME WARRANTY OF AMERICA.

R
rollin15733
8/20/2022
Do not use this company. Their contract should be one paragraph saying they will find a way to not cover anything. Put $50 in an account every month instead of paying them and then still having to pay for your repair. 3 claims were all total BS. Save tour 💵

S
Steven
7/21/2022
When I got my house, I knew I wanted to protect it so I did look into this company but I decided to go with a more local company for more local service. I got my <a href="https://www.mesahomewarrantypros.com/">home warranty plan</a> with Mesa Home Warranty. They have been great. My AC broke down in last July when it was 110 degrees. They got it fixed so fast! I love it!

E
elb
6/29/2022
HWA is a scam. I submitted a claim for my air conditioning late June, and did not hear from them for over a week when the temperature was over 90 degrees. I was then told it would be approximately 3 more weeks for them to send a technician out. They would not allow me to use any other local technicians that were available that same day or the next. They would not cover anything unless they sent out the technician. With the temperature this hot and a non-working air conditioning, since they will not work with me on this they are essentially not providing any coverage.

M
Mike
5/27/2022
Good afternoon everyone. Hope all are doing well. Just wanted to share my experience with HWA/Choice Warranty. They are utterly worthless. Must be nice, for them, to have a Warranty Contract with a neat little clause (that they do not tell you about) that lets THEM offer you very little money as a Buy Out rather than actually Repairing or Replacing anything. Their Warranty is not worth the Paper it is Printed On. I highly recommend staying away from HWA/Choice. I actually thought with a "Warranty" if something went wrong they would either Repair or Replace the defective Appliance. Apparently I (as well as NUMEROUS others) were mistaken. Instead they offer you a "Buy Out"... Read More

J
John S
4/18/2022
I just had the worst customer service experience of my life with Home Warranty of America I was misled about how the service worked and encouraged to take an action that - by design (?) - put me in breach of contract. I called customer service to set things straight and was passed around to 2-3 reps each time I called. I was promised call backs from "Supervisors" on 4 different occasions. And it wasn't until my 9th call on my 4th day of follow up that I spoke to someone with the authority to offer me 1/6th of the coverage I was approved for originally. Do Not work with them. And Do Not let realtors contract with them on your behalf. If I could give them 0-stars, I would

grant.anika18
2/16/2022
Do not use this company they refuse to fix anything. Customer service is awful!

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