Dwellness Home Warranty Review

Dwellness Home Warranty, formerly National Home Warranty, first opened its doors in 1986 and has exclusively served Arizona- and Nevada-based homeowners since then. Headquartered in Las Vegas, Dwellness Home Warranty has processed more than 300,000 claims since its opening and provides 24/7 customer service.

We assessed the company’s pricing, coverage exclusions, coverage caps, claims process, service fees, customer reviews, and more. Keep reading to learn if Dwellness Home Warranty is the best home warranty for you.

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Pros & Cons

Compare the advantages and disadvantages of Dwellness Home Warranty below:

If you do not live in Arizona or Nevada, we recommend getting a quote from our top recommended providers, Liberty Home Guard and American Home Shield.

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Dwellness Home Warranty Plans and Coverage

Dwellness Home Warranty has three plans available for existing homeowners: Essential, Enhanced, and Premium. These renewable plans are available in one-year increments and can be purchased for numerous property types, such as a single-family home, townhome, mobile home, and duplex.

Dwellness Home Warranty’s Essential Plan provides coverage for 16 different home systems, appliances, and services like re-key and pest control. The Enhanced Plan extends coverage to a few more items not covered under the Essential Plan, like malfunctions emanating from mismatched systems, improper installation, repairs, and modification. The Premium Plan is the ultimate level of protection that includes everything under the previous two plans, along with added features such as HVAC maintenance, plumbing maintenance, and 24-hour service.

*Trade service fee buydown option: Purchasing this add-on feature will reduce the standard service fee from $75 to $25. This new rate applies to claims for all systems, appliances, and services, except pest control coverage. This is a good value if you think you wouldn’t have more than two service calls in a year, but it may end up being a negligible value.

Coverage Exclusions

Prior to purchasing a home warranty contract, it’s important to know what the plan won’t cover. Every policy has component exclusions targeted toward covered items, and any damage to these will not be paid for by the home warranty company. Dwellness Home Warranty’s exclusions are available in detail within the sample contract.

Dwellness Home Warranty has a few other coverage exclusions. The company will only cover malfunctions due to normal wear and tear that occurred during the contract term, so if your dryer broke down before signing up for the plan, it will not be covered.

The home warranty provider will also not cover:

• Items damaged by mold, rot, mildew, or fungus
• Malfunctions due to insufficient maintenance, rust, corrosion, or sediment
• Malfunctions resulting from misuse or abuse of an item, or damages caused by fire, smoke, flood, lightning, earthquake, storms, accidents, cosmetic defects, infestation, war, or manufacturer’s recall
• Secondary damages resulting from the failure of a covered item
• Electronic systems, computerized systems, remote energy management systems, and solar-powered systems and related components

To be eligible for coverage, all appliances and systems must be located within the main foundation of the home or garage, except for your AC unit, pressure regulator, exterior well pump, water heaters, waste/stop valves, pool and spa equipment, sewage ejector pump, and outdoor septic tank system equipment.

Here’s the cost breakdown of Dwellness Home Warranty plans for a single-family home:

Buying an annual plan is cheaper than its monthly alternative—paying the full amount when purchasing the Essential Plan will save you $31.24, while you can save $24 by making a lump-sum payment with the two other plans.

Remember that these are just base prices. Most people will include at least one or two add-ons to their plans, which can increase the final price. Because pricing will depend on the plan you choose, where you live, the type of home you have, and how many add-ons you include in your plan, we recommend getting a personalized quote from Dwellness Home Warranty for more accurate pricing.

Service Fees

Dwellness Home Warranty requires that you pay $75 for each trade request you file with them. If, for example, you request a plumber and an electrician for the repair of your appliance, you’ll have to pay the service fee twice since they’re two different trades. This fee is due regardless of whether or not your repair is eligible for coverage or if you cancel the appointment.

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How to Make a Claim with Dwellness Home Warranty

If a covered system or appliance stops working, Dwellness Home Warranty gives you three ways to file a claim. You can either call them on the phone, email them, or reach out online.

Upon processing your claim, Dwellness Home Warranty will either assign an in-house contractor or a licensed, independent contractor to your case within three business hours, or 48 hours for requests that are placed on weekends or holidays.

The assigned technician will contact you to set up an appointment for diagnosis and repair.

If you have an emergency, you can still make service calls, as long as your issue falls under one of the following categories:

• Loss of heating or cooling
• Loss of plumbing
• Significant loss of electricity
• A situation that renders the house uninhabitable

Dwellness Home Warranty will ensure that emergency requests are met within 24 hours after a claim is filed. If the company cannot complete the request within three days, it will send you a report that lists all the required repairs and the main reasons for the delay in completion.

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Dwellness Home Warranty Reviews

Dwellness Home Warranty is accredited by the BBB and holds an A+ rating.

(Note that the company changed its name from National Home Warranty to Dwellness Home Warranty.)

Here are a few customer testimonials:

“I have been a customer for 20 years and don’t know what I would have done without them. I have used them many times to repair my kitchen sink, garbage disposal, pool filter, and my central air conditioner. Every tech was very knowledgeable and professional. I highly recommend National Home Warranty.” — James S. on 9/3/2019

“Hi, I’ve been with this company for 30 years. They have always been on time and fixed my problems. I’m staying with this company for as long as I own my home. The staff is always nice and knowledgeable, so if you need a home warranty I’d recommend National Home Warranty.” — Jerri P. on 8/21/2019

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Our Final Dwellness Home Warranty Review

We give Dwellness Home Warranty an 8.7/10. One reason why we think Dwellness Home Warranty is a top home warranty provider is because it uses an in-house contracting system. While most home warranty companies match you with independent contractors, Dwellness Home Warranty has its own team of contractors who are fully licensed and on the company’s payroll.

Dwellness Home Warranty offers more than two plans for homeowners to choose from. If you purchase one of the advanced plans, you can unlock coverage for breakdowns due to poor maintenance, improper repair, modifications, and mismatched systems. However, the plan prices aren’t the cheapest.

One of the biggest drawbacks of Dwellness Home Warranty is that coverage for crucial items, like a refrigerator, is only available as an add-on for $50 extra. Coverage for washers and dryers isn’t available in Dwellness Home Warranty’s most basic plan, either.

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Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

• Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.

• • Additional coverage items
  • Annual coverage cap
  • Home systems coverage
  • Major appliances coverage
  • Obstructed wall coverage cap

• Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs. 

• • Average monthly cost
  • Cost flexibility
  • Lowest service fee

• Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability. 

• • Brand reputation
  • Policy change flexibility
  • Sample contract availability
  • Workmanship guarantee length

• Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician. 

• • Claims process
  • Guaranteed response time
  • Service flexibility

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.