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Dwellness Home Warranty Review

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 06/07/2024

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.

Pros & Cons

Compare the advantages and disadvantages of Dwellness Home Warranty below:

Has a Better Business Bureau (BBB) rating of A+
Provides an in-house team of contractors, while most competitors do not
Offers generous coverage caps
Has high monthly premiums compared to competitors
Doesn’t cover refrigerators in its standard plan

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. You can also check out our recommended home warranty companies in Arizona and our favorite Nevada home warranty companies for more options.

Dwellness Home Warranty Plans and Coverage

Dwellness Home Warranty has three plans available for existing homeowners: Essential, Enhanced, and Premium. These renewable plans, available in one-year increments, can be purchased for various property types, including single-family homes, townhomes, duplexes, and even with coverage for mobile homes.

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.

Here’s an overview of Dwellness Home Warranty plans and coverage:

Systems and AppliancesEssentialEnhancedPremium
Air Conditioning/Heating✔️✔️✔️
Plumbing (including stoppages)✔️✔️✔️
Faucets, shower heads, and shower arms✔️✔️✔️
Instant hot water dispenser✔️✔️✔️
Water heater✔️✔️✔️
Electrical system✔️✔️✔️
Central vacuum✔️✔️✔️
Garage door opener (including hinges, springs, cables, rollers, and guides)✔️✔️✔️
Ceiling, exhaust, and attic fans✔️✔️✔️
Range/Single Oven/Cooktop✔️✔️✔️
Built-in microwave✔️✔️✔️
Trash compactor✔️✔️✔️
Garbage disposal✔️✔️✔️
Pest control✔️✔️✔️
Mismatched systems✔️✔️
Improper installation, repair, and modification✔️✔️
Removal of defective equipment✔️✔️
Permits I code violations✔️✔️
Interior hose bibs✔️✔️
Dishwasher (including racks, rollers, and baskets)✔️✔️
Range/Single Oven/Cooktop (including clocks, racks, and handles)✔️✔️
Built-in microwave interior lining, door glass, clocks, handles, and shelves✔️✔️
Trash compactor removable buckets, lock, and key✔️✔️
Garage door opener remote transmitters and keypads✔️✔️
HVAC maintenance (one visit per year)✔️
Plumbing maintenance (one visit per year)✔️
Service within 24 hours✔️

Read more: Top Plumbing Home Warranty Companies Reviewed

In addition to Dwellness Home Warranty’s three plans, there are additional items you can include for an extra cost every contract term. Here’s an overview of the optional coverage and associated costs:

Additional ItemsPrice per contract term
Pool and spa equipment$180
Standard washer and dryer$80
Front load washer and dryer$185
Kitchen refrigerator$50
Additional refrigeration$45
Double oven or combo oven$100
Well pump$85
Septic tank system or pumping$75
Sewage ejector pump$35
Trade service fee buydown option*$100
Washer/Dryer/Kitchen refrigerator$120
Front load washer/Dryer/Kitchen refrigerator$225

*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 covers faucets, showerheads, shower arms, garbage disposals, gate valves, waste and stop valves, toilet tanks, bowls, and wax ring seals. Some components excluded from plumbing system coverage include fixtures, bathtubs, sinks, shower enclosures and base pans, caulking and grouting, filters, and septic tanks.

Dwellness Home Warranty covers all of the critical systems responsible for the operation of your dishwasher, range, oven, cooktop, built-in microwave, trash compactor, and kitchen exhaust fan. However, oven racks, rollers, baskets, handles, dials, knobs, shelves, and meat probe assemblies are barred from coverage.

You may contact a locksmith to rekey up to four keyholes and make two copies of the new key. Rekey services for duplexes, triplexes, and fourplexes are not covered.

The only pest treatments covered by Dwellness Home Warranty are for ants, roaches, crickets, spiders, silverfish, millipedes, centipedes, pillbugs, ground beetles, earwigs, clover mites, and sowbugs. When you make a pest control claim, a $75 service fee will be applied, even if you purchase the Trade Service Fee Buydown Option.

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:

Cost$470.00 per year $41.77 per month$555.00 per year $48.25 per month$770.00 per year $66.17 per month

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.

For an additional $100, you can lower the service fee from $75 to $25 by purchasing the Trade Service Fee Buydown Option. Consider purchasing this upgrade if you see yourself requesting service at least three times per year. If you only file a claim once, you’re better off paying the one-time service fee of $75.

System or ApplianceCoverage Cap
Mismatched systems$250
Improper installations, repairs, or modifications$250
Permits$250 per occurrence
Code violations$250
Dishwasher (racks, rollers, baskets)$50
Septic tank system/Septic tank pumping$500
Sewage ejector pump$500
Plumbing system$1,000
Limited roof leak repair$1,000
Water heater Well pump Heating/air conditioning/evaporative cooler$1,500 $1,500 $1,500
Pool/spa equipment$2,000
The saltwater control unit, salt cell, and flow sensor for the saltwater chlorinator$1,500
Kitchen refrigerator$5,000
Additional refrigeration coverage$1,000

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.

Dwellness Home Warranty Reviews

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

Most Dwellness Home Warranty reviews praise the company’s knowledgeable and professional technicians who finish work quickly and efficiently.

(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

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.

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.