The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

Adv Disclosure

Very Good

Home Warranty of America Review

In a nutshell: With Home Warranty of America, customers can conveniently request a technician 24/7 through an online form.

Home Warranty of America Review

In a nutshell: With Home Warranty of America, customers can conveniently request a technician 24/7 through an online form.

Home Warranty of America Review

Overview

Homeowners sick of paying out of pocket for every system repair or for replacing home appliances when they break down may want to consider Home Warranty of America. Based out of Lincolnshire, Illinois, for over 25 years, Home Warranty of America has provided insurance for home appliance and system repairs.

Their service takes the stress away from paying for unexpected expenses or searching high and low for a reliable repairman. Instead, customers choose between two coverage options and pay an annual fee. Then, you can file a claim 24/7 online, and Home Warranty of America will send a repair technician to handle the rest. In addition to providing insurance for homeowners, Home Warranty of America also services real estate agents.

Home Warranty of America provides reliable insurance covering home systems and appliance repairs and replacements. Homeowners can choose from two coverage options and easily purchase additional add-ons as needed.

Customers can conveniently request a repair technician 24/7 by filling in a form online. However, Home Warranty of America requires a minimum 13-month contract and has mixed customer reviews.

Packages

For over 25 years, Home Warranty of America has provided homeowners peace of mind by covering repairs and replacements for home systems and appliances. Home Warranty of America has highly customizable pricing and packages. Customers can cover items as needed and purchase add-ons for an extra monthly fee. That said, compared to its competitors, Home Warranty of America costs more and has mixed reviews.

Through Home Warranty of America, homeowners can budget better and not get stuck with huge bills to repair and replace essential home systems and appliances. The provider has straightforward pricing and completely customizable packages. However, customers must sign up for a minimum 13 month-contract for any of the plans.

The Premier Plan starts at $46.08 per month and covers many common household systems and appliances including an electrical system, built-in microwave, dishwasher, plumbing, water heater, and ductwork. Upgrading to the Premier Plus costs $59.92 per month and includes over 30 items and increases coverage limits for certain items.

Service fees depend on the selected plan. Customers can expect to pay something between $60 to $100 in deductibles each time they request a technician to visit the home.

Customization and Optional Add-Ons

Home Warranty of America really stands out when it comes to flexibility and customization. Customers can easily purchase add-ons for an extra fee each month. Optional items include a second refrigerator, stand-alone freezer, pool, spa, salt water pool, septic tank pumping, roof leak repair, and well pump. Homeowners can also pay extra each month to increase coverage limits. That can include upping toilet replacements to a $600 limit or increasing professional series appliance coverage up to $2,000.

Terms of Service

Although homeowners must sign up for a minimum contract of 13 months, Home Warranty of America allows customers to cancel at any time, but for a price. Within the first 30 days of coverage, customers can cancel, but will need to pay a fee of 10% plus any service fees. After the first 30 days, customers can cancel, but will need to pay for the unexpired term minus service fees and a 10% cancellation fee. Claims have a 30-day waiting period.

Customer Support

Overall, Home Warranty of America has an average satisfaction rating according to customers and mixed reviews in terms of service. That being said, Home Warranty of America makes it convenient and easy to request a technician. The company offers 24/7 support, and customers can submit an online form when in need of a service call. Customer support is also available by phone at 1 (888) 616-9901 during business hours Monday through Friday 8 AM to 8 PM and on Saturdays and Sundays between 8 AM and 5:30 PM.

Claims by phone are available Monday through Friday from 7 AM to 8 PM, on Saturdays from 8 AM to 6 PM, and Sundays from 9 AM to 5:30 PM. You can also get in touch by email at info@hwahomewarranty.com. Home Warranty of America supports live chat support Monday through Friday, 8 AM to 5 PM CT, and hosts social media support through Facebook and Twitter.

Pros

Customizable coverage
Promotional savings
24/7 online claims

Cons

Mixed customer reviews
Requires 13-month contract
Cancellation fees

Our Top 3 Picks

Choice

American Home Shield

First American

Coverage options

8.0

Cover common items like HVAC, plumbing, electrical, and kitchen appliances, as well as pool equipment and septic systems

Claims process

8.0

Their system is designed to be user-friendly, but it may still involve some manual steps and paperwork

Cost

6.0

Premiums typically range from $450 to $600, with service fees around $75 to $100 per service call

Customer service

8.0

Customer support during standard business hours with more than one way to get in touch, including phone and email

Contractor network

7.0

Their network covers many areas, but there might be some limitations in remote locations

FAQs for Home Warranty

Purchasing a home warranty is the best way to protect yourself from expensive home and appliance repairs. To help you learn more about home warranties, how they work, and how they differ from home insurance, we have compiled answers to some of the most commonly asked questions.

What's the difference between a home warranty and home insurance?

Home warranty and home insurance offer valuable protection for your home, guarding against unforeseen damage that can result in significant financial burdens. While home insurance covers your home if there's a major event, home warranties will save you thousands of dollars in repairs when your home systems and appliances break down. Let's highlight the key differences between home warranties and home insurance:
1. Coverage Focus:
Home warranties primarily cover the repair or replacement of home systems and appliances due to normal wear and tear. Home insurance, on the other hand, provides broader coverage for perils such as fire, theft, natural disasters, and liability.

2. Coverage Duration:
A home warranty operates on a specific term, typically one year, and can be renewed annually. Home insurance is generally in effect as long as you continue paying the premiums.

3. Cost and Premiums:
Home warranties require homeowners to pay a monthly or annual premium, along with service fees for each repair request. Home insurance premiums are typically paid annually or as agreed upon in the policy contract.

4. Scope of Protection:
Home warranties cover specific items listed in the warranty contract, while home insurance provides protection for the entire property.

What is a home warranty?

Similar to a warranty that comes with the purchase of a new phone, or piece of equipment, home warranties, cover home appliances and system repairs. Home warranties shield homeowners from the high cost of unexpected appliance breakdowns and system failures. They provide protection not just for your home, but for your budget and time as well.

How do they work?

What's great about home warranties is that, unlike a standard warranty that comes with an appliance, home warranties cover a wide variety of appliances that can be customized depending on your needs. When signing up for a home warranty or receiving an initial quote, you will be asked to fill in basic information about the location of your home and which appliances you want to cover. Most home warranty companies like Choice Home Warranty, Select Home Warranty, or American Home Shield, offer a choice of several plans with options to add appliances based on need. These home warranty companies will charge an annual contract fee for yearly coverage and a small service fee when they need to send someone to repair or replace an appliance. Typically home warranty companies work with certified local technicians who work quickly and efficiently to help ensure your home is back in working order.

How does a home warranty complement my home insurance?

Think of home insurance as a way to protect the structure of your home from unforeseen events, while a home warranty, like those from American Home Shield, safeguards against unexpected appliance and system breakdowns. Together, they provide comprehensive protection for both your home's structure and its contents.

What appliances do home warranties cover?

As mentioned, home warranty coverage varies from company to company and there is no one set item list that all home warranties cover. In general, it's best to review your contract and make sure all your essential appliances are listed.

In general home warranties may cover some of these items and more:
Central heating systems
Air conditioning systems
Electrical systems
Plumbing systems
Washing machines and dryers
Microwaves
Dishwashers
Refrigerators
Ovens and stove-tops

How do I compare home insurance quotes with home warranty plans?

When looking to compare home insurance quotes, consider factors like coverage limits, deductibles, and premiums. For home warranties, focus on the appliances and systems covered, service fees, and contract terms. Websites like ours provide comparisons of top-rated plans from America's leading providers.

How do I find the cheapest homeowners insurance and warranty options?

The cheapest homeowners insurance might come from providers like Progressive Home Insurance or Farmers Home Insurance. However, the cost-effectiveness depends on your specific needs and location. Similarly, warranty costs vary based on coverage. On our site, you can find the most reliable home warranty providers. It's best to get a quote for homeowners insurance and warranty separately to determine the most affordable options.

Why would you need a home warranty?

As a homeowner, you never know when your essential systems or appliances may break, and repairing them can be both time-consuming and extremely costly. Home warranties are there to offer peace of mind by ensuring you'll be taken care of by certified professionals when the unexpected occurs.

Who are home warranties for?

Typically home warranty plans are purchased by homeowners who want to ensure they are covered in case of a breakdown. However, others can benefit from the services a home warranty provides. Landlords who have purchased a home and are renting it out should strongly consider purchasing a home warranty plan. As a landlord, the last thing you need is for a tenant to be without a heater, fridge, or even electricity. You'll find yourself scrambling to find the proper technician without knowing how much you'll have to pay out-of-pocket. A home warranty provides you with peace of mind and is a significant selling point for a tenant when considering homes.

Real estate agents can also benefit from home warranty plans and many agents will purchase a home warranty to protect the buyer. This can be done as a gift as a way to say thank you for their business. Moving into a new home with a home warranty already in place provides the buyer with peace of mind knowing there won't be unexpected costs to fix systems or appliances.

AHS: For New Jersey Residents: This is a service contract, not a warranty from the home builder or manufacturer.
†ADT: Req 1-mo min pro monitoring w/ Self Setup OR pro install w/ 36-mo agm't (Term & install fees). Excludes discounted equipment bundles. Video service req for 30% discount. Taxes addt'l.

Very Good

View Plans

Don’t Sell My Personal Information

About Us

ADVERTISEMENT DISCLOSURE

This website was created with the aim of helping online users make informed choices. It offers a wide range of information about different products and services. The specific details provided, such as prices and exclusive offers, are directly sourced from our partners and are subject to change without prior notice. Although our content is thoroughly researched, it is essential to understand that the information provided does not constitute legal or professional advice or predictions, and should not be treated as such. Our fundamental principle is to assist consumers in making well-informed decisions online.

Founded to help consumers make educated online decisions, www.homewarrantycompared.com