Editorial Score7.4Overview
Founded in 1996, Home Warranty of America provides home service contracts for homeowners, buyers, sellers, and real estate professionals throughout much of the United States. Its plans are designed to help reduce the cost of repairing or replacing covered household systems and appliances when eligible breakdowns occur.
HWA offers two homeowner plans—Premier and Premier Plus—which cover a wide range of major home systems and appliances. Customers can also customize their coverage through optional add-ons for items such as pools, spas, well pumps, roof leaks, septic systems, and additional refrigeration units. Claims can be submitted online 24/7 or by phone, and the company dispatches an approved service contractor to diagnose the issue. As with any home service contract, repairs and replacements are subject to the agreement's terms, limits, and exclusions.
Pros
- Two comprehensive homeowner plans
- 24/7 online claims submission
- Wide selection of optional add-ons
- Flexible coverage options
Cons
Plans & Pricing
Home Warranty of America offers two primary homeowner plans: Premier and Premier Plus.
The Premier Plan covers many essential home systems and appliances, including heating, plumbing, electrical systems, water heaters, dishwashers, refrigerators, ovens, microwaves, and garage door openers.
The Premier Plus Plan expands coverage by increasing benefit limits for certain covered items while including additional protection for more home systems and appliances. Customers may also purchase optional coverage for pools, spas, roof leaks, septic systems, well pumps, stand-alone freezers, second refrigerators, and other specialty equipment.
Pricing varies by location, selected plan, optional coverage, and service call fee, so homeowners must request a personalized quote through the HWA website.
Terms of Service
Home Warranty of America provides renewable home service contracts with a standard waiting period before coverage begins. Customers can submit service requests online at any time or contact customer service by phone to initiate a claim.
If a covered repair is approved, homeowners pay the applicable service call fee while HWA covers eligible repair or replacement costs according to the service agreement. Before purchasing a plan, homeowners should carefully review coverage limits, exclusions, waiting periods, and cancellation terms to ensure the contract meets their needs.
Customer Support
Home Warranty of America offers 24/7 online claims submission along with customer support by phone at (888) 616-9901. Customers can also contact the company through its website, access plan information, review sample contracts, and manage service requests through the online portal. Email support is also available for general inquiries.
Word on the Street
Home Warranty of America has served homeowners for nearly three decades and continues to offer customizable coverage backed by a nationwide contractor network. Customers often appreciate the convenience of online claims, flexible plan options, and the ability to add protection for specialty household equipment.
As with many home warranty providers, customer experiences are mixed. Reading the service agreement carefully before purchasing remains the best way to understand what is covered and what exclusions may apply.
