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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 ...
soitehu
10/22/2019
I would rate a zero for the service and terrible customer service.

Shilpi G
10/22/2019
very bad service.. don't assign companies for repair properly.Most of the time company assigned doesn't serve the area. so it takes longer to get anything fixed.

B
Bree
10/21/2019
We filed a claim on October 5, 2019 for a non-functioning furnace. It is currently October 21, 16 days later, and we still don't have a working furnace. HWA debated a full replacement vs parts replacement. For a few days we were scheduled for a full replacement, now they are back to just replacing the motor. We live in Minnesota and have had many days below freezing temperature, so I find this timeline absolutely unacceptable, especially with a young child in the home.

tucker2446
10/16/2019
I would rate zero as well - along with the rest of us who have been scammed by this awful company - and frankly pretty flimsy business model. IN the end HWA hides behind loopholes - charging for every visit, nothing gets done, no accountability for quality and then ultimately refused to replace a dead a/c - and I only just bought the house. They are the absolute worst scam artists I've ever come in contact with, and just like the rest of Americans, we've come in contact with a LOT!

R
RB
10/8/2019
I would rate a zero if I could. I was in process of buying a home and during the home inspection process The HVAC system was not cooling properly during the inspection. The sellers stated they would offer a home warranty to reassure me everything was fine. The home warranty company required the unit to be repaired prior to issuing a warranty on the property. The seller had the suspect HVAC unit repaired and HWA issued a home warranty on the property. This gave me the confidence to move forward and buy the property, and close on the house. Shortly after buying the house the HVAC was not cooling. I started a month and a half long process and no less than 20 calls, and emails this was... Read More

ang4816
10/4/2019
This must be a cover for some kind of scheme since they're so incompetent at what they do. Long story short, stay away. They don't care about anything, don't check on anything, and you're the one who has to stay on them just to get the smallest task done. We've been waiting over 2 months for our washer to be fixed and are still waiting. The first contractor they chose disappeared, and they just assumed it was fixed without following up with him or us. We called to see why we hadn't been contacted in so long after the first contractor visited. They had to dig through whatever system they have to tell us that the contractor didn't reply to them. So they just assumed it was done??... Read More

F
fred
9/30/2019
Terrible customer service and response. What warranty company can't get a plumber to your house. Because they have 2, in a city of over a million. Makes sense right. Do yourself a favor and save your money. They are in the business of NOT fixing your issue.

W
Wallace
9/30/2019
I WOULD NOT RECOMMEND HWA TO ANYONE – their lack of concern and all the legal jargon within the contract is all poor customer service, not to mention their lack of researching the service companies prior to knowing who they are sending out for service calls is concerning to say the least…. We had a refrigerator and an AC unit needing repairs shortly after we moved in. The service company ‘THE INSTALLER’ HWA recommended, I had to call twice to schedule an appointment, the appointment was finally scheduled, he never showed up nor did he call to say he was running late or would not make it out. It was quite apparent when he did show up the next day unscheduled/unannounced, he was only there... Read More

M
Michael
9/25/2019
If it were possible, this review would be zero stars. HWA home warranty is very difficult to deal with, and clearly lacks concern of their reputation. It took over a month to fix a dishwasher which the tech who came out said was beyond repair. This company has no customer service or quality control. I would prefer my premium back rather then deal with HWA Home Warranty of America ever again. I could never recommend HWA Home Warranty of America to anyone. If I ever buy a new home and they tell me it comes with a HWA Home Warranty of America, I would think twice before buying the home.

Megan J
8/9/2019
Air conditioning went out on thursday night and called friday a 8 am as the temperature was predicted to reach 94 degrees here in Greenville, NC and by mid day had not received a phone call regarding scheduling a service so I reached out to HWA again due to the fact that we have a new born at home which I am concerned about the safety of having here in a home with no A/C mid summer only to be told that despite my contract stating "In emergency situations, HWA will determine what repairs constitute an emergency (generally goods that are essential to health and safety, such as loss of heating, coolin, plumbing or substantial electrical service, and such service renders the home otherwise... Read More

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