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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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M
Mitchell
2/21/2020
As the former owner/founder of HWA I must say that since the transition of ownership to Direct Energy as the new owners back in 2006 NOTHING has gone right with this company. The customer service has been outsourced overseas, there is no access to upper management when you call into the toll free number for help and from what read and hear their claims coverage has been awful. I decided to take my chances with a different company and had requested a refund for my policy back in December. My policy had been automatically renewed with a credit card I had on file. I have waited over 2 months for my renewal refund and I've been getting the typical run-around. They blame their system... Read More

J
Joseph
2/1/2020
This is the worst company. Chased them to fix my oven and could not get it fixed. After 50 day of submitting the claim they didn't order the part. Representatives lie and don't order parts. Finally gave up and cancelled the contract. Stay away from the company.

prp1012
1/28/2020
They are just horrible - I am BEGGING realtors to STOP recommending this craptastic company. I have been calling repeately for 3 months to get my microware fixed. Its been delay, delay, one lie after another - they NEVER contact you - you have to chase them down and still they don't pay what they are contracted to. STAY VERY FAR AWAY FROM THIS COMPANY. (and if I could do negative stars I would.)

S
Synaida C
1/24/2020
We bought an older home last year and the seller purchased the Diamond Plan through HWA for us. I have use it 2 times within the year and each time it was like jumping hoops. The second time I needed to use my policy it was because my heater stopped working in the middle of winter. It took over 3 days to get it authorized and each person that I spoke to was not helpful at all. They withheld information and made the situation even more frustrating, so much so that I have decided not to renew my plan with HWA. When my heater went out they stated that the collector box was not covered when in fact it was covered. Our HVAC guy that came out has been working with HWA and stated that he too... Read More

mygl1800
12/18/2019
I filed a claim with Home Warranty of America November 18th, 2019. It's now December 18th, 2019 one month later and no end in site, I call them, they assure me my parts are on order, but weeks pass, and nothing. This has been a nightmare. My payment is due, I'm under contract with them until may. They won't have any problems at all taking my money, but they are unable to fix my dishwasher. I believe I'm done with warranty companies. Going to take control of my own destiny. I would be much better putting my money in an account and being my own warranty company. =0) I feel helpless, hopeless, never again!!!! LOL, to get an attorney, would cost more then the dishwasher!!!!

Phyllis B
12/9/2019
I have been a customer of HWA since purchasing my home in 2015. I would also add that each year I have renewed my contract to the Premium upgrade plan with the expectation that I would receive premium service from my home warranty company. That is not the case and I am extremely frustrated with the poor customer service that I have received and am at the point where I feel that I need to seek legal remedies in order to resolve the issues that I am having in getting this company to honor the contract that I have with them. On October 31st , I opened a claim (Claim #3226351) for a problem with my hot water heater which was making loud knocking noises. The initial service vendor who was... Read More

B
B
12/6/2019
The absolute worst, do sign up with these crooks. I have called every single day in regards to my claim and every single day I am either being given false information and the information that they are clearly reading off of a prompter and no resolution. Their e-mail system sends incorrect information, their online system has incorrect information and the outsourced customer service people clearly have no clue what they are talking about. Complete and utter disaster.

G
George V
12/5/2019
I filed a claim on Oct 30 after my regular heating/air inspection service reported that the coils in the air handler were leaking. Replacement of the coils was needed. Today is December 5, and I still do not have a repaired heating system. HWA has at various points offered a buy-out for a fraction of the cost of a repair, which I declined, only to have them list the claim as a buy-out anyway; reported that the part was ordered on Nov 12, then, no, on Nov 22; informed their contractor, who had not received a work order, that the claim was suspended; told me that the work order was issued (it hadn't been). I've spent hours of the phone with both HWA and the contractor, always with a... Read More

C
chris
10/30/2019
Every experience I had with this company was bad. Everyone from the techs on the phone to the techs that come to your home gave bad service. Each call I had took 30 to 45 minutes to be answered. Most services I called in were never answered and I had to fix myself. I felt lied to on most phone calls I had. do yourself a favor and go with a different company.

D
D.ick S
10/28/2019
Do not use Home Warranty of America. They send out Contract Clarification with the wrong length of contract. When you try to reach out to them to correct the issue, they are non-existent. The worst customer service I have ever experienced.

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