Home Warranty Inc., also known as Home Warranty of the Midwest, was founded in 1999 by the owner of an appliance repair company. The company offers two different home warranty plans with coverage starting as low as $25 per month. If you have a plan from Home Warranty Inc. and something breaks, the company will pay to have it repaired by a local contractor of your choosing.

Home Warranty Inc. is a very well-rated home warranty company with an A+ rating from the BBB and, unlike most home warranty companies, has many positive customer reviews. Below are details about the plans they offer, coverage limits, pricing, and availability, so you can decide whether a plan from them is right for you.

Learn More: Read who made our list of the best home warranty companies.

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Pros
  • Customers get to choose their own local contractor

  • 14-month standard coverage instead of 12

  • 24/7 live claim support

Cons
  • Repairs are only guaranteed for 30 days

  • 30-day waiting period after purchase for monthly paying customers

  • Contractors must be approved before work is performed

Company Overview

Home Warranty Inc. was founded in 1999 by a 28-year veteran of the appliance repair industry. The company is headquartered in Rock Rapids, Iowa, and has district sales representatives across the country. Coverage is available in 30 states, including those in the Midwest and most of the Southeast.

Available Plans

Two different home warranty plans are available through Home Warranty Inc. The company’s basic plan provides 14 months of coverage and starts at $550 per term. This plan covers mechanical systems and more than 20 household appliances.

There’s also an Appliance Protection Plan that is a la carte with prices based on which appliances you want to protect. For example, protection for furnaces and air conditioners costs $7 per month, while coverage for home appliances costs about $5 per month. This plan also does not have service repair fees—it covers the entire cost of repairs.

Real Estate Plans

Home Warranty does not offer any plans designed specifically for real estate agents. However, the company does offer custom coverage that’s supposed to help realtors and insurance agents fill in coverage gaps with homeowner’s insurance. Home Warranty also has district sales representatives around the country—many of whom belong to regional realtors’ associations—who can help real estate agents get the coverage they need for properties on the market.

Plan Pricing

The basic Home Protection Plan from Home Warranty starts at $550 per 14-month term. The Appliance Protection plan is priced based on which appliances you choose to have covered; most appliances cost between $5 and $15 per month. Homeowners who file a claim are also responsible for a $75 trade service fee (TSF). However, these plans cover the entire cost of repair for chosen appliances. Home Warranty’s Supplemental Home Protection Plan is designed to fill in homeowner insurance coverage gaps, with plans starting at $25 per month.

Home Warranty Plan costs include:

The Appliance Protection Plan individual item prices:

Plan Exclusions

Items excluded from coverage under Home Warranty Inc. vary by plan, as do individual appliances and systems. Some exclusions listed under the company’s Home Protection Plan include:

  • Portable AC units
  • Pellet stoves
  • Concrete-encased or inaccessible ductwork
  • Solar water heaters
  • Sewage ejector pumps
  • Faucets and fixtures

For a full list of exclusions, be sure to consult your Home Warranty plan documents.

Payout Caps and Limitations

The coverage limits offered by Home Warranty Inc. vary by plan and appliance or system. Below are some specific coverage limits cited in the Home Protection Plan agreement for each contract period:

  • Heating & air claims: $2,500
  • Water heater claims: $1,000
  • Pools and spas: $1,000
  • Well pumps: $500
  • Jetted bathtub: $1,000
  • Ice makers: $200
  • Septic: $500

Individual appliances and systems have stated coverage limits that are generally in line with other industry providers. Service agreements from Home Warranty Inc. do not list a stated aggregate coverage limit, which is also not unusual.

Repair Time

Homeowners who need to request a repair using their plan from Home Warranty Inc. can do so 24 hours a day, seven days a week. Once a repair request is submitted, Home Warranty Inc. allows homeowners to choose a local contractor who they’d like to make the repair. If the contractor isn’t already approved to do work for Home Warranty Inc., they must do so before work can begin. This can lead to longer repair times.

For homeowners who want to expedite repairs, Home Warranty Inc. also offers a cash-out option for repairs. This allows homeowners to forgo repair of their covered appliance or system and instead take the approved repair cost and use it to pay for a replacement.

Customer Service and Claims

Home Warranty Inc. customers who need to file a repair request can do so online or by calling 877-977-4949. The company boasts 24/7 live claim support, though customers are more likely to get a quick answer if they call during core business hours (Monday through Friday from 8 a.m. to 5 p.m. Central Standard Time). Home Warranty doesn’t advertise whether emergency repairs are available. However, homeowners who need expedited service are free to schedule their own work but this may not be covered unless it’s performed according to the terms of your plan. The bottom line is to get approval first to ensure you the repair costs are covered.

Complaints and Third-Party Assessments

Home Warranty Inc. has an A+ Rating with the Better Business Bureau and over 50 customer reviews, with many being positive—which is unusual among home warranty companies. While the company has also received over 40 customer complaints (mostly due to denied claims), there are very few relative to other home warranty companies of a similar size. Home Warranty Inc. also makes an effort to respond to all customer complaints, with many being resolved satisfactorily for customers.

Competition: Fidelity National Home Warranty vs. Home Warranty Inc.

We compared Home Warranty Inc. with Fidelity National Home Warranty because they have similar offerings. Fidelity National Home Warranty offers coverage at lower plan price points ($420 per year) than Home Warranty Inc. ($550 per 14-month term). Fidelity National also customizes coverage based on the type of home—single-family homes cost more than condos or townhomes. It has four standard plans available, versus two for Home Warranty Inc.

However, Fidelity National is only available in 17 states and has much lower customer service ratings than Home Warranty Inc. If you live in a state where Home Warranty Inc. offers coverage, it is the better choice between the two.

Our Verdict

Home Warranty Inc. is a great home warranty company that was founded by business owners with experience in the appliance repair industry. It offers two plans plus a la carte coverage to homeowners seeking to fill gaps in coverage from their homeowner insurance policy. The company also has many positive customer service reviews, which is rare among home warranty companies. If you live in a state it covers, we recommend considering Home Warranty Inc.

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Home Warranty Inc. Key Facts