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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

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T
Terri L
8/1/2016
Consumers should be aware HWA uses misleading terms. Policies available for coverage are a Diamond, Platinum, & Gold policy. In the policy or when a claim is filed you will learn that some coverages are only covered by "Premium Coverage." The terms for coverage do not indicate Gold, Platinum, or Diamond, but a description called Premium Coverage. You will sadly find out Diamond is only what HWA defines as "Preminum." I will never again use this company.

Tiffany S
6/17/2016
This warranty company is TERRIBLE to work with. Very time-consuming and incompetent. They don't have good vendors to do the claim work because they can only get bad vendors to work with them. Many of the vendors have denied work orders because they don't want to work w/ this company any more. Every time I call about a claim, I have to wait on hold for more than 30 minutes, I get disconnected a lot, and I get a different answer depending on who answers. I would NEVER recommend this company.

P
Parnaz
4/5/2016
Do NOT purchase this coverage if you are moving into a new home. We moved and filed 3 claims, one for the washer/dryer and one for the oven. All 3 claims were denied. They said the oven was installed incorrectly and that the washer and dryer broke due to normal wear and tear and weren't listed on the inspection so they can't verify that they worked before. I am your customer, how is my word not good enough when I tell you they worked?!? I asked to speak to a supervisor, and she kept saying they had no way of knowing if they worked. Yes, you do, I because I’m telling you they did! It's been 2 months since we moved, I asked how long they will refer back to the inspection rather than taking... Read More

J
Jo-Dee G
1/4/2016
I would give this company MINUS 5 stars, if possible. I have had them for several years and should have dropped them years ago. They have the worst vendors and service of any home warranty company I have used in the 30 years I have used various home warranty companies. We have had their vendors steal our well pump when they were supposed to be fixing it (HWA did nothing), they never are willing to replace, but prefer to jeri rig older equipment just to get it to work for awhile, etc. but this last issue was the last straw. In the middle of winter we had a water heater fail. Placed a service call to HWA and the first vendor never returned our call. Second vendor told us he knew what... Read More

U
Unhappy
11/3/2015
We do a bi-annual service of our AC and furnace to make sure everything is okay and fluids are where they should be. The technician during one of those services noticed an issue. We called HWA to see if that part was covered. They said "yes". After a month and a half of their claim technicians missing two appointments and failing to call back to do make-up appointments, we finally got a HWA service person out to our house. Then we found out that the part wasn't actually covered as we were previously told on the phone. Now were are out the discount from the bi-annual service with a month and a half of wasted time. If you want the run around with bad customer service and technicians who... Read More

E
Edward S
8/20/2015
We bought a house built in 1975 & had it inspected before closing. The seller offered to buy a home warranty & we selected Home Warranty of America. We decided to remodel the entire house & did not move in until June. During the month of May workers were in the house & needed the air-conditioning to cool down. The air was not cooling properly so I contacted the warranty office per their instructions. It took a couple of days before warranty office called back & set us up with their contracted air conditioning company. They called a couple of days latter & told us when they would come the next day. So, several days had gone by before they arrived at 7 pm in the evening. I told them the... Read More

P
Paul N
6/9/2015
It says no home inspections ? WRONG they are liars - fought with them over my dishwasher for 12 month - now fridge is not working and they want me to keep paying a $75.00 deductible after the first tech said fridge has a bad contaminated system. They cannot find anyone to work on my fridge. This is THE WORST company to go with. I have owned 4 different houses and had different warranty companies in the past -- STAY CLEAR OF THIS COMPANY --DO NOT TRUST--THEY LIE--

Our Partner
  • No home inspections required
  • Available for old homes
  • Coverage for other types of home structures
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