TOH Rating: 7.7/10
Nations Home Warranty is a female-led company that has served the Dallas-Fort Worth metroplex since 1996. Its strength lies in its status as a local home warranty provider.
To make sure you get the coverage you need, we’ve reviewed the plans and services provided by Nations Home Warranty and made recommendations for the best home warranty companiesin the industry. Overall, this north Texas company is a good bet for residents of the Dallas-Fort Worth area, but homeowners living elsewhere will need a provider with nationwide reach.
Compare the advantages and disadvantages of Nations Home Warranty below.
Pros and Cons of Nations Home Warranty
|Lower-than-average waiting period (15 days) before coverage begins||Services only available in Dallas/Ft. Worth|
|A+ rating from the Better Business Bureau (BBB)||Basic and Preferred Plans leave out key appliances (washer, dryer, refrigerator)|
|Covers home and lawn maintenance services||Can’t choose your own contractor|
|All sales representatives and contractors are local|
Nations Home Warranty Plans and Coverage
For homeowners, Nations Home Warranty offers three plans: Basic, Preferred, and Ultimate.
Nation Home Warranty’s Basic Plan is somewhat unusual for a home service contract in that it includes coverage for home and lawn maintenance services, as well as appliances and systems. Here’s what the Basic Plan covers.
|Ceiling fans||Air conditioning||Carpenter ant removal|
|Dishwasher||Ductwork||General pest control|
|Doorbells||Electrical system||Lawn fertilization|
|Ground fault circuit interrupter devices||Heating system||Lawn pest control|
|Exhaust fans||Plumbing (including stoppages)||Fire ant removal|
|Garbage disposal||R410-A refrigerant||Lawn weed control and prevention|
|Built-in microwave||Water heater||Leak detection|
|Oven, range, cooktop, vent hoods||Re-key service|
|Smoke detectors||Rodent coverage|
|Sump pump||Garage door tune-ups|
|Trash compactor||Carpet cleaning service|
The Preferred Plan covers everything in the Basic Plan, plus subterranean termite control and garage door openers (one unit per house).
The Ultimate Plan contains everything in the Basic and Preferred Plans, plus the following items:
- Clothes washer
- Clothes dryer
- Primary refrigerator with ice maker and water dispenser
Regardless of which Nations Home Warranty plan you choose, you may purchase coverage for the following items:
- Construction modification
- Premier option, which covers:
- Equipment code violation correction
- Refrigerant recovery/disposal
- Haul-away services
- Non-cosmetic plumbing cracks
- Garage door openers
- Mismatched systems
- Improper installation
- Washer/dryer (as an add-on to Basic and Ultimate Plans)
- Free-standing freezer
- Garage door openers
- Guest houses
- Lawn sprinkler systems
- Plumbing external main line protection
- Pool/spa equipment
- Well pumps
- Booster/jet pumps
- Wet bar refrigerators
- Wine coolers
Note: Nations Home Warranty does not offer coverage for roof leaks or septic systems, but companies like Select Home Warranty do.
Nations Home Warranty Pricing
When it comes to home warranty costs, you’ll want to take into account monthly or annual premiums, service call fees, and maximum payouts. The premium is the amount you pay for the contract, regardless of how much you use it. You will pay a service call fee every time you file a claim with the company and a technician comes out to your house to diagnose the issue.
Additionally, most companies set coverage caps on systems and appliances and will make the customer pay out of pocket once that cap is reached.
Since Nations Home Warranty serves a single location, it provides a clear pricing structure on its website. Note that home warranties for condominiums are slightly cheaper than those for single-family homes.
|Type of Home||Basic Plan||Preferred Plan||Ultimate Plan|
The service call fee or co-pay is $75 no matter which plan you choose, which is on the low end of the industry average of $75–$125. Typical premiums for national home warranty companies tend to range between $25–$50, so Nations Home Warranty is on par with the average premium.
The maximum payouts for the annual plans are also in line with other home warranty companies.
- All appliances combined: $3,000
- Ductwork: $500
- Ovens: $1,500
- Plumbing: $1,000
- Sump pump: $500
Here are the annual prices for the extra coverage options with their maximum payouts (if specified).
|Coverage Option||Fee||Maximum Payout|
|Premier option||$108||Equipment code violation correction: $250|
|Permits: up to $150 per occurrence, $500 maximum|
|Haul away: up to $150 per occurrence, $500 maximum|
|Non-cosmetic plumbing cracks: $600|
|Clothes washer/dryer plus refrigerator with ice maker/dispenser||$125||--|
|Primary kitchen refrigerator with ice maker/dispenser||$50||$2,500|
|Garage door opener||$30||--|
|Guest house (up to 2,000 sq.ft.)||$175||--|
|Lawn sprinkler system||$100||--|
|Plumbing external main line protection||$75||$1,000|
|Pool/spa equipment||$190||$1,500 maximum for pool/spa heater|
|Additional spa equipment||$95||--|
|Subterranean termite protection||$53||--|
|Well pump and booster/jet pump||$150||$1,500|
|Wet bar refrigerator||$35||$500|
That’s a lot of numbers to take into account, but getting specific with coverage items can keep you from paying more than you need to and help you customize a home warranty to your needs.
How to Get a Quote from Nations Home Warranty
How to Make a Claim with Nations Home Warranty
The claims process at Nations Home Warranty is similar to that of other home service contract providers. After signing the contract, you will have to wait at least 15 days before making a claim, but that’s lower than the industry average of 30 days. If anything covered by the contract breaks from normal wear and tear, you contact Nations Home Warranty by phone to begin the claims process.
A representative of the company will reach out to one of their contracted technicians, who will then contact you to schedule an appointment. You’ll pay a $75 fee to the contractor (pest control services require a slightly higher co-pay), who will diagnose the problem.
If Nations Home Warranty decides the problem is covered by your contract, they will send the contractor back to fix it. You will pay the contractor and the company reimburses you. If repairs aren’t possible, Nations Home Warranty will pay a cash settlement for the lowest priced product or part.
Nations Home Warranty Reviews
Although Nations Home Warranty is not accredited with the BBB, it does maintain an A+ ratingbased on its transparent business practices and response to consumer complaints. As with any top home warranty company, there will be a mix of positive and negative customer reviews. Here’s what some of the company’s customers had to say.
“My experience with Nations Home Warranty has been as expected and as outlined in the contract. I have not had any ‘surprises’ nor unsatisfactory customer service. Every time I made a claim/service call, a professional was promptly scheduled and the issue was resolved.” — Home B., 1/4/19
“Called them because my ice machine in my freezer quit working. Their vendor, BHB Appliance Services, changed some sort of chip. They told me to give it a few hours to start working. It never worked. After numerous attempts to correct the situation through Nations Home Warranty, it never got fixed.” — Frederick S., 8/29/17
Our Assessment of Nations Home Warranty
The This Old House Reviews team rated Nations Home Warranty a 7.7/10. Nations Home Warranty may be ideal if you live in the Dallas-Fort Worth area. Unfortunately, the company’s warranties are unavailable to most of the country. Additionally, though Nations provides comprehensive coverage at affordable rates, its basic plan doesn’t cover essential items like a refrigerator, washer, or dryer.
If you live outside Dallas/Ft. Worth or you just want to look at other options, we recommend American Home Shield.
Our Preferred Provider: American Home Shield
American Home Shield (AHS), a company that’s been providing home warranties for nearly 50 years, is available in every state except Alaska. It’s a BBB-accredited company with a B rating. We recommend it over Nations Home Warranty or any local home service contract provider because of its comprehensive plans and national reach.
Instead of two plans, American Home Shield offers three options, including its impressive ShieldPlatinum™ plan. Take a look at what its three plans cover.
American Home Shield Plan Options
|Systems and Appliances||ShieldSilver™||ShieldGold™||ShieldPlatinum™|
|Plumbing and Stoppages||✓||✓||✓|
|Ranges, Ovens, and Cooktops||-||✓||✓|
|Freestanding Ice Maker||-||✓||✓|
|Garage Door Opener||-||✓||✓|
|Built-In Food Centers||-||✓||✓|
|Roof Leak Coverage||-||-||✓|
If you seek additional coverage, there are options for extra coverage of:
- Pools and spas
- Well pumps
- Septic pumps
- Guest houses
- Extended electronics warranties
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.
Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.
To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:
- Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
- Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
- Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
- Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.
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