Home Warranty of America Review

When you buy a new home, you don’t expect things to go wrong – but they do. The refrigerator may work today and die tomorrow. The air conditioner may start acting up two months after you close on the house – just in time for the summer heat.

We all know that a home warranty can help protect you from these expenses. If something goes wrong, your warranty has you covered.

There are many companies out there that offer home warranties, but HWA (Home Warranty of America) has earned a reputation for being one of the best. The company, which has been around since 1996, offers a wide range of plans and coverage options to fit the needs of most homeowners.

It’s not surprising that Home Warranty of America reviews are mostly positive.

Home Warranty of America Plans

Home Warranty of America

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Home Warranty of America offers two main types of 13 month home warranty plans: Premier and Premier Plus.

Here’s a breakdown of what’s covered under each plan:

Premier

  • Heating/Furnace
  • Ductwork
  • Stoppages/Clogs
  • Plumbing System
  • Toilet
  • Water Heater (Tankless Included)
  • Permanent Sump Pump
  • Whirlpool Bath Tub
  • Instant Hot Water Dispenser
  • Electrical System
  • Ceiling Fans and Exhaust Fans
  • Central Vacuum
  • Door Bells, Fire and Burglar Alarms
  • Garbage Disposal
  • Dishwasher
  • Washer/Dryer
  • Garage Door
  • Trash Compactor
  • Range/Cooktop/Oven
  • Built-in Microwave
  • Kitchen Refrigerator (Ice Maker Included)

Premier Plus

  • Air Conditioning System/Cooler
  • Heating/Furnace
  • Ductwork
  • Stoppages/Clogs
  • Plumbing System
  • Toilet
  • Water Heater (Tankless Included)
  • Permanent Sump Pump
  • Whirlpool Bath Tub
  • Instant Hot Water Dispenser
  • Electrical System
  • Ceiling Fans and Exhaust Fans
  • Central Vacuum
  • Door Bells, Fire and Burglar Alarms
  • Garbage Disposal
  • Dishwasher
  • Washer/Dryer
  • Garage Door
  • Trash Compactor
  • Range/Cooktop/Oven
  • Built-in Microwave
  • Kitchen Refrigerator (Ice Maker Included)

Premium Coverage

The Premier Plus plan also includes premium coverage to the Premier Plus plan. This covers 30 additional items not covered by the company’s basic home warranties.

The company doesn’t list all of the additional items that are covered, but they do list a few:

  • Plumbing, including shower heads, fixtures, stoppages/clogs and faucets
  • Toilet replacement up to $500

You can add this coverage to the Premier plan for an additional fee.

Optional Coverage

In addition to the basic plans, you can add optional coverage for specific items, including:

  • 2nd refrigerator
  • Pool/spa combo
  • Standalone freezer
  • Additional pool/spa
  • Salt water pool
  • SEER/R-410A modifications
  • Septic system
  • Septic tank pumping
  • Well pump
  • Roof leak repair

GreenPlus

  • Covered appliance or system will be replaced with ENERGY STAR qualified products.
  • Heating system replaced with a 90% efficiency model.
  • Dishwasher, clothes washer and refrigerator.
  • Water heater replaced with a tankless heater.

OrangePlus

  • Professional series appliances up to $2,000
  • Water softener
  • Re-key
  • Toilet replacement up to $600
  • Permits/Code violations up to $250
  • Removal of defective appliances and systems

Keep in mind that these plans cover existing homes – meaning you’ve already closed on the home.

If you’re in the process of buying a home, HWA offers other plans to cover you in case you find problems during the buying process or shortly after buying.

There are three types of plans offered:

  • Gold
  • Platinum
  • Diamond

These plans offer most of the same coverage as the existing home owner plans listed above, but you’ll also receive coverage for:

  • Unknown insufficient maintenance
  • Unknown pre-existing conditions

Unlike with the existing homeowner plans, you won’t be able to pay monthly for this coverage. These plans are available at a one-time fee, but they provide 13 full months of protection.

HWA Home Warranty Coverage Premiums

hwa home warranty

How much does it cost to have a Home Warranty of America home protection plan? That depends on whether you buy a plan for a pre-existing home or the plan for buyers/sellers.

Here’s a breakdown of coverage premiums offered by HWA:

  • Premier Plan: $44.62/month
  • Premier Plus: $53.46/month
  • Gold (buyer plan): $450
  • Platinum (buyer plan): $550
  • Diamond (buyer plan): $590

Keep in mind that prices for the buyer plan may vary depending on your location.

With the buyer plans, you can also get a discount for buying coverage for a mobile home or condo/townhome.

HWA offers sample coverage terms on their website, so you can see what you’re paying for. The sample contract clearly lists all of the items that are covered and items that are not covered.

For example, under Heating System coverage, the following items are not covered:

  • Solar water heaters
  • Solar components
  • Energy management systems
  • Noise
  • Fuel, holding or storage tanks
  • Vents
  • Problems caused by sediment
  • Units exceeding 75 gallons
  • Drain lines and drain pans

It’s recommended that you read through the warranty coverage carefully to better understand the terms and coverage. In many cases, customers complain about warranties because they don’t fully understand what’s covered and what’s not. HWA tries to make this as simple as possible by clearly stating everything that is protected and specific components that are not covered.

HWA Coverage Area

Home Warranty Of Amercia Coverage Options Review

HWA provides coverage nationwide, and they have relationships with service providers across the country. They review and approve all providers through their dedicated Vendor Development Department.

HWA’s database includes thousands of service providers across all of the markets that they serve.

How Are HWA Claims Handled?

HWA Complaints

It’s easy to buy a plan. But what if you have to make a claim?

Some companies make it harder than others.

But here’s how it works with HWA:

  • Make a service request online anytime – 24/7/365 – or call the customer service line.
  • Arrangements will be made to have a technician come to your home to diagnose the problem.

If you call the HWA phone number and speak with a customer service rep, he or she may help you troubleshoot the problem, saving you from having to schedule a service call.

When you make a claim and have a service technician come to your home, you will pay what’s called a trade call fee. This is the fee paid to have the problem diagnosed, and this is the only fee you will have to pay.

Trade call fees vary from state to state, but they start as low as $75. The fee is clearly stated in the contract, so this won’t be a surprise bill.

The trade call fee is pennies compared to how much it would cost to repair or replace a covered appliance or system out of pocket. You couldn’t dream of replacing your hot water heater for $75 or even $350.

On top of all of this, HWA has no restrictions on appliance or system age. And there’s no mandate on home inspection.

What are Customers Saying?

HWA won two Annual Home Warranty Awards for Best in Service and Top Rated Company in 2013 and 2014 respectively.

The company maintains a B rating with the Better Business Bureau, which is pretty impressive in this industry.

HWA has been in business since the 1990s. Their plans are comprehensive and affordable, and they clearly state what the cover and don’t cover in their contracts. Most customers are satisfied with their plans and service. Those who aren’t satisfied typically get a response from the company trying to explain the issue or make things right.

Customers like the coverage flexibility offered by the company and the fact that customer service is available round the clock.

With multiple coverage options and the ability to add specific items to your plan, HWA has a plan for everyone. Both buyers and existing homeowners can purchase affordable plans through Home Warranty of America.