Home Warranty of America Review

Protecting your finances against unexpected home repairs

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Home Warranty of America

Home Warranty of America

overall rating

Low cost with additional coverage helps make Home Warranty of American a popular choice for those looking for a home warranty provider.

Based on our review of over a dozen home warranty companies, Home Warranty of America was not one of the best companies we found. To see other options that may be better, visit our list of the best home warranty companies.

  • Pros and Cons
  • Key Takeaways
  • Company Overview
Pros and Cons
  • No age restrictions or home inspections required

  • Nationwide coverage

  • Customer service can help troubleshoot most common repair issues by phone

  • Offers add-on coverage on things that some of the other companies do not

  • Payout caps only cover up to a certain amount in the aggregate during the coverage period

  • Subjective determination of what amount is paid out for covered items

Key Takeaways
  • Doesn’t require a home inspection 
  • Two base plans with two trade service fee options ($75 or $100)
  • Covers many home features such as doorbells and garage door openers
Company Overview

Home Warranty of America was established in 1996 with headquarters located in Lincolnshire, Illinois. The company is part of Direct Energy and offers home warranty plans nationwide with coverage for properties including houses, townhomes, and condominiums.

  • Year founded 1996
  • Coverage area Available nationwide
  • Available plans Premier Plan: $100 TCF; Premier Plan Plus: $100 TCF; Premier Plan: $75 TCF; Premier Plan Plus: $75 TCF
  • Amount of coverage Up to $2,000 (system plans); Up to $1,000 appliances
  • Length of contract 13 months
  • Average yearly cost $536 to $642
  • Network Nationwide network of service providers
  • Customer support 24-hour online or by phone call
  • Customer support phone number (888) 492-7359
  • Recall period after repairs 90 days on parts; 30 days on labor
  • Days before coverage starts Coverage starts on the coverage period start date
  • Website https://www.hwahomewarranty.com/

Home Warranty of America was established in 1996 and is well-known in the home warranty industry. The company offers four warranty plans that are designed to help protect you against the high cost of unexpected repair bills on appliances and major systems in the home.

We compared Home Warranty of America and other similar home warranty companies and found that Home Warranty of America has a slightly lower average annual cost as compared to some of its competitors. The company also provides additional coverage options on some items, such as stand-alone freezers and saltwater pools. Our review considers price, coverage, benefit caps, and more.

Available Plans

Home Warranty of America offers a selection of two base plans throughout the United States. The two plans are further broken down depending on whether you choose to pay a $75 or $100 trade call fee (TCF), for a total of four options.

Home Warranty of America Warranty Plans Premier Plan Coverage Premier Plus Plan
Heating System Furnace
Plumbing System
Stoppages & Clogs
Dishwasher (comprehensive coverage)
Garage Door Systems
Air Conditioners (including window units)  
Plumbing Fixtures, Faucets & Showerheads  
All Premier Items, Plus 30 more  

All Home Warranty of America plans include:

  • Heating System
  • Ductwork
  • Water Heater
  • Clothes Dryer
  • Clothes Washer
  • Kitchen Refrigerator w/Ice Maker
  • Range/Oven/Cooktop
  • Built-in Microwave
  • Dishwasher
  • Garbage Disposal
  • Trash Compactor
  • Central Vacuum
  • Electric System
  • Ceiling Fan/Exhaust Fan
  • Burglar/Fire Alarm
  • Drywall
  • Doorbell
  • Garage Door Opener
  • Plumbing System
  • Instant Hot Water Dispenser
  • Permanent Sump Pump
  • Stoppages/Clogs
  • Whirlpool Bath Tub

Review what is covered under home insurance and appliance warranties to make sure you understand how the home warranty compliments gaps in coverage.

Additional Coverage Options Available:

Add-Ons Price
GreenPlus $75
Stand Alone Ice Maker $35
External Water Line Repair $90
Pool/Spa Combo $150
Well Pump $85
Salt Water Pool $300
Septic Tank Pumping $50
Second Refrigerator $35
OrangePlus $75
Stand Alone Freezer $35
SEER/R-410A Modifications $75
2nd Dishwasher $35
2nd Clothes Washer $35
2nd Clothes Dryer $35
2nd Range/Oven/Cooktop $35
Septic System/Sewage Ejector Pump/Septic Tank Pumping $100

Plan Pricing

Home Warranty of America has two available base plans that cover a long list of items, regardless of which plan you choose, and plans are available to real estate professionals, too. You must request a quote online to view current prices, but unlike some companies, it is easy to get a quote without the pressure of a customer service representative constantly calling you.

The company offers two options for paying their Trade Call Fees (TCF) for each plan. The TCF is the amount of money you pay upfront when a service provider arrives at your house to make repairs. You can choose either a TCF of $75 or $100. The higher the service fee, the more you will pay when your service provider arrives, but you will get a lower monthly fee—or you can pay a little higher monthly fee and get the lower TCF.

Sample Monthly Plan Fees Based on Trade Call Fees

Trade Call Fees (TCF) Premier Plan Coverage Premier Plan Plus Coverage
$75 TCF $46.46 $55.31
$100 TCF $43.00 $52.23

Plan Exclusions

Home Warranty of America covers almost all breakdowns of appliances, home systems, and home features (doorbells, garage door openers, etc.) that occur from normal wear and tear, however, there are several exclusions.

As an example, valves for showers and tubs are included, while their associated faucets and drain mechanisms are not. Plans do not cover water lines to refrigerator ice makers, or water and ice dispensers. You can see a complete list of coverages and exclusions by viewing a sample of Home Warranty of America’s Buyers Plan Coverage.


Be sure to read through the list of exclusions so you aren’t caught off-guard when an uncovered item breaks.

Payout Caps

Unlike some companies, Home Warranty of America’s payout caps vary depending on what system or item needs repair and will only cover up to a certain amount in the aggregate during the coverage period. This means that, while they may pay up to $2,000 for an electrical system repair, they will only pay for the repair once during the period of coverage. Likewise, they will only pay up to $1,500 for a heating system or furnace and up to $1,000 for appliance items like stand-alone freezers, again, once per contract period.

While payout caps vary (and there are a lot of different ones, so read over your policy closely), the amounts are average for the industry on most of the items and systems that are covered.

Repair Times

An appointment with a service provider is typically set within 48 hours from when your service request is placed, or at a mutually agreed-upon time between you and the service provider. They also provide emergency service and will help you troubleshoot problems on the phone when possible.

Home Warranty of America uses a network of service providers, so you do not get to choose who will make your repairs. The company also has a national account with Carrier Corporation for HVAC equipment and an account with GE for the replacement of household appliances.

Customer Service and Claims

There is support service available Monday to Friday 7 a.m. to 7 p.m. Central and on weekends from 9 a.m. to 5 p.m. Central. Filing a claim is a simple, straightforward process that is done online or by calling 888-492-7359.

Home Warranty of America encourages customers to call and speak with a service technician since they are trained to help troubleshoot most problems over the phone. Doing so may help you solve your issue without having to pay the trade call fee. If you do need a service technician, you will generally hear from them within 24 hours.

Complaints and Third-Party Assessments

Home Warranty of America does not currently have a rating with the Better Business Bureau, as the company is currently under review due to numerous complaints filed for such things as slow repair times and unresponsive customer service. BBB states that they will issue a rating once the complaints are evaluated.

Competition: American Home Shield vs. Home Warranty of America

To provide a comparison between Home Warranty of America and the competition, we chose American Home Shield. Both companies provide similar warranty coverage, have around-the-clock service, and comparable add-on coverage.

  American Home Shield Home Warranty of America
Number of Plans Available 3 4
Support 24-hour online claim system Online or by phone at (888) 492-7359 weekdays from 7 a.m. to 7 p.m. and weekends 9 a.m. to 5 p.m.
Trade Call Fee $75 / $100 / $125 $75 / $100
National Availability Available in 49 states, excluding Alaska Available nationwide

When it comes to the types of coverage the companies offer, American Home Shield and Home Warranty of America have plans that are quite similar. Both allow you to choose either a $75 or $100 trade call fee, and American Home Shield also offers a third option of $125.

Both companies let you choose additional coverage for items such as swimming pools and spas. In addition to these add-ons, Home Warranty of America has its OrangePlus upgrade for $75 that provides coverage amounts for things like building code and permit violations and the removal of old parts and appliances that have been replaced through the company’s warranty plans.


Although Home Warranty of America has a high number of unresolved complaints filed with the Better Business Bureau, the company has been around a long time and is well-known in the home warranty industry.

While we do think that you should consider this lack of a rating before you purchase, the company does have several qualities that we like, including the items that they cover, the ability to choose from four plans, and the choice of either a $75 or $100 trade call fee.

Home Warranty of America is a great choice for someone who wants to save money on a warranty plan and likes to have the ability to choose the amount they pay for a trade call fee.


When evaluating a company’s warranty plans, we use our home warranty review methodology, looking at a variety of factors that not only include the monthly or yearly cost, but the overall costs as well, including service fees, price of add-ons, and total out-of-pocket costs. In addition, we also measure how they stack up to the competition in regard to price, coverage options available, and customer satisfaction based on third-party reviews.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Better Business Bureau. "Home Warranty of America." Accessed August 10, 2021.