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HWA Home Warranty Review (2021)

If you’re looking for home warranty coverage, keep reading our Home Warranty of America review to compare plans, pricing, and customer reviews.

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TOH Rating: 8/10

Home Warranty of America (HWA) is one of the leading home warranty companies in the industry. It provides comprehensive coverage for home systems and appliances and flexible payment options for consumers.

Because there are a variety of home warranty companies available and it can be challenging to determine which home warranty is best, the This Old House Reviews Team did the research for you to make your search easier. Keep reading our HWA home warranty review to determine if the provider is right for you.

Pros and Cons of HWA Home Warranty

Compare the advantages and disadvantages to Home Warranty of America below:

Pros & Cons

Pros Cons
Pros Cons
Provides nationwide availability Reports of repair delays
Offers after-hours customer service Higher chance of claim denial compared to other home warranty companies
Offers a GreenPlus plan for energy-efficient appliances

While HWA offers comprehensive coverage and is a reputable provider, we suggest also checking out our other recommended providers.

Home Warranty of America Plans and Coverage

Home Warranty of America offers two home warranty plans: a Premier Plan and a Premier Plus Plan. No matter which plan you choose, Home Warranty of America provides coverage for the following items:

Covered Items

Systems Appliances
Systems Appliances
Heating system Clothes dryer
Plumbing Clothes washer
Ductwork Kitchen refrigerator with ice maker
Water heater Range/Oven/Cooktop
Garbage disposal Built-in microwave
Trash compactor Dishwasher
Central vacuum Ceiling/Exhaust fans
Doorbell Instant hot water dispenser
Burglar/Fire alarms Whirlpool bathtub
Garage door openers
Permanent sump pump

Premier Plus Plans offer coverage for your air conditioning system, plumbing fixtures, faucets, shower heads, and a Premier Upgrade that covers 30 additional items in your home. Home Warranty of America also offers coverage for items like your drywall, plumbing stoppages, and clogs.

In addition to these two service plans, HWA offers optional coverage for the following items:

  • GreenPlus*
  • Limited roof leak repairs
  • Stand alone ice maker
  • Pool/Spa
  • Well pump
  • Saltwater pool
  • Septic tank pumping
  • Second refrigerator
  • OrangePlus**
  • Stand alone freezer
  • SEER/R-410A modifications
  • Septic system
  • Sewage ejector pump
  • Septic tank pumping

*Home Warranty of America offers a GreenPlus plan as an optional add-on that covers the following when a covered item must be replaced:

  • Covered items, including dishwashers, refrigerators, and clothes washers, will be replaced with an Energy Star product
  • Covered heating systems will be replaced with a 90% efficiency model
  • Covered water heaters will be replaced with a tankless model

**Home Warranty of America offers an OrangePlus plan as an optional add-on that covers the following:

  • Water softener
  • Code violations and permits up to $250
  • Increased coverage cap on professional series appliances up to $2,000
  • Increased coverage cap on toilet replacement up to $600
  • Disposal of defective equipment
  • Re-key up to six locks including deadbolts

Home Warranty of America Pricing

HWA plan pricing will depend on where you live, the type of coverage you choose, the square footage of your home, and any add-ons you include in your plan.

Here are coverage costs for a single-family home under 2,500 square feet in Durham, North Carolina:

Pricing Breakdown

Premier Plan (with a $100 service call fee) Premier Plan Plus (with a $100 service call fee) Premier Plan (with a $75 service call fee) Premier Plan Plus (with a $75 service call fee)
Premier Plan (with a $100 service call fee) Premier Plan Plus (with a $100 service call fee) Premier Plan (with a $75 service call fee) Premier Plan Plus (with a $75 service call fee)
$41.15 per month $50.38 per month $44.62 per month $53.46 per month

Note: Home Warranty of America charges a $75 or $100 trade service call fee for every claim made. If you choose the lower service fee, your monthly premiums will be higher, whereas if you select a higher deductible, your monthly premiums will be lower.

Here’s the price per year for additional add-ons:

Add-On Items

Covered Item Price per Year
Covered Item Price per Year
GreenPlus coverage $75
Stand alone ice maker $35
Pool/Spa $150
Well pump $85
Saltwater pool $300
Septic tank pumping $50
Limited roof leak repairs $50
Second refrigerator $35
OrangePlus $75
Stand alone freezer $35
SEER/R-410A modifications $75
Septic system/Sewage ejector pump/Septic tank pumping $50

How to File a Claim with HWA Home Warranty

You can file a claim online, 24 hours a day, seven days a week, 365 days a year or call the toll-free customer service number. After submitting a claim, the HWA customer service team will assess your issue and dispatch a local contractor to your home within 48 hours of receiving the claim.

HWA Home Warranty Reviews

Home Warranty of America is accredited by the Better Business Bureau (BBB) but doesn’t have a BBB rating. Like other top-rated home warranty companies, customers have left both positive and negative HWA home warranty reviews.

Here’s a sampling of those reviews from the BBB:

I have had a warranty with HWA for a couple years and have had nothing but excellent service and results. Would most definitely recommend to family and friends without hesitation.” — Kari C. on 7/28/17

Horrible company. They put an unauthorized charge on my credit card and it took over 8 weeks of phone calls and e-mails to get it reversed. Beware.” — Todd V. on 4/22/20

Our Conclusion

The This Old House Reviews Team rates HWA Home Warranty an 8/10. The company covers items not typically covered by other home warranty companies and provides nationwide coverage. We also think allowing customers to choose their own service fee is beneficial, as people can be flexible with their payment options.

Home Warranty of America may be a good company for you if…

  • you want additional coverage for items like a saltwater swimming pool, code violations and permits, and Energy Star appliances.
  • you want to choose your own service fee.

Home Warranty of America may not be a good choice for you if…

  • you want to choose your own contractor for home repairs.
  • you’re on a budget and want plans that are slightly more affordable.

In all situations, we recommend getting quotes from multiple companies so you can compare prices and plans to find the right fit. American Home Shield, Choice Home Warranty, and AHW Home Warranty are all providers worth considering:

Home Warranty of America Compared to the Competition

See how Home Warranty of America stacks up to other top-rated competitors in the industry.

Comparison

Providers Home Warranty of America American Home Shield Choice Home Warranty
Providers Home Warranty of America American Home Shield Choice Home Warranty
Get a free quote Not available through This Old House Visit site Visit site
Plan options 2 + optional add-ons 3 + optional add-ons 2 + optional add-ons
Monthly premiums $42–$54 $40-$48 $36-$44
Deductibles $75 or $100 $75, $100, or $125 $60-$85
Additional benefits Offers coverage for unique items like saltwater pools and plumbing fixtures Offers $50 off for This Old House readers Offers $50 off and one month free to This Old House readers

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions about Home Warranty of America

When does HWA coverage kick in?

Your coverage will kick in 30 days after signing a contract.

Is Home Warranty of America worth it?

If you want peace of mind and extra protection on major home systems and appliances, having a home warranty can help. Though you’ll be paying a monthly fee, that cost may be worth it if an expensive repair or replacement is necessary.

How does Home Warranty of America help real estate professionals?

Home Warranty of America helps real estate agents by allowing them to purchase 13-month home warranties for their clients and offering a suite of sales tools that can help them grow their real estate business.

Who can buy a home warranty?

Whether you’re a current homeowner, first-time home buyer, home seller, real estate agent, or landlord, you can buy a home warranty to protect the major systems and appliances in your home.

How can I renew my home warranty?

To renew your home warranty contract, log in to your HWA account, select the coverage you want, and set your contract to renew.

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