Home Warranty of America Review

Home Warranty of America prioritizes environmentally friendly solutions and provide coverage for every home, individual, and state.

While Home Warranty of America is headquartered in Illinois, the company provides coverage for all fifty states in the US.

They have more than 20 years of experience with delivering affordable coverage solutions to homeowners with great energy-efficient upgrade options.

Home Warranty of America Overview

Home Warranty of America started in 1996 and is now one of the leading providers of home warranties.

Below is a review of their coverage, plans, pros, and cons to help you make an informed decision.

Coverage Features

Home Warranty of America provides comprehensive coverage for all of your home repair needs, putting them among our top picks for home warranties.

If you encounter problems with anything covered under your home warranty, they’ll send someone out to help right away. Some of the common coverages they offer are listed below.

Ductwork

Your ductwork circulates hot and cold air throughout your house. It keeps you warm in the winter and cool in the summer.

Without it, your house would feel stuffy with stale air.

If something is wrong with your ductwork, you can file a claim with Home Warranty of America to have it inspected and fixed so you can get back to your normal life.

Water Heater

When it comes to doing dishes or taking a bath, you need hot water. Your water heater provides your home with the water you need to go about daily living.

When your water heater is on the fritz, Home Warranty of America can send someone out to inspect and fix it quickly so you can go back to showering every day.

Electrical System

Whether you like to make a light breakfast every morning in your toaster or read with a lamp by your bed at night, you need electricity.

Electricity flows through your electrical system just like air flows through your ducts.

You need it every day to enjoy most of your home’s features. When the lights go out, Home Warranty of America will be there to turn them back on.

Doorbells, Burglar Alarms, and Fire Alarms

One unique coverage feature from Home Warranty of America is a doorbell, burglar alarm, and fire alarm option.

Most home warranty providers don’t cover these systems, but Home Warranty of America does.

For your safety and the safety of your home, this coverage goes above and beyond other home warranty solutions.

Home Appliances

Your home appliances do all sorts of things for you. Your refrigerator keeps your food cold, your microwave heats up leftovers, and your dishwasher gets everything clean when you’re done.

Other covered appliances include your garbage disposal, range, cooktop, oven, and trash compactor.

To make life easier for you, Home Warranty of America covers all these items.

Warranty Plans

Home Warranty of America provides comprehensive plans at low prices so you can have the peace of mind you need.

Their choice of a $75 or $100 service fee saves you money over hiring your own contractor to diagnose and fix the issue outside of a home warranty plan. Pricing varies by state.

Premier Plan

The Premier Plan includes coverage for the following:

• Heating System and Furnace
• Ductwork
• Plumbing System and Stoppage
• Toilet
• Permanent Sump Pump
• Water Heaters, Including Tankless Water Heaters
• Instant Hot Water Dispenser
• Whirlpool Bathtub
• Electrical System
• Ceiling Fans and Exhaust Fans
• Doorbells, Burglar Alarms, Fire Alarms
• Central Vacuum
• Dishwasher and Garbage Disposal
• Built-in Microwave, Range, Cooktop, and Oven
• Trash Compactor, Garage Door System, Kitchen Refrigerator With Ice Maker, and Clothes Washer and Dryer.

Premier Plus Plan

The Premier Plus Plan includes everything in the Premier Plan, plus the following:

• Air Conditioning System
• Increased Toilet Replacement
• Plumbing Fixtures
• Faucets
• Showerheads

The Good

Home Warranty of America not only provides excellent coverage options, but they have several additional benefits that customers will enjoy if they sign up.

Nationwide Coverage

With a name like Home Warranty of America, you would expect them to cover every state in the US, and they do. They even cover the District of Columbia.

Anyone in the United States can rest assured that as long as they find a plan and pricing they like, they’ll qualify for coverage.

Easy Quotes

While price varies based on state, it’s easy to find, and they provide an easy-to-read format for anyone interested in a home warranty plan.

They offer coverage for homeowners, real estate professionals, buyers, and sellers. You’ll see a list of your covered services and your payment options so you can make an educated decision.

Online Tips

Home Warranty of America offers an extensive list of home maintenance tips as well as information about home warranties and how they work.

This provides a great benefit for any homeowner who might want to troubleshoot the problem themselves before paying the service fee. For a do-it-yourself approach to home ownership, Home Warranty of America can help.

GreenPlus

Home Warranty of America provides GreenPlus to customers who choose to add it to their plan.

Home Warranty of America’s membership with the Ethical Directory and United States Green Products makes this benefit possible.

Online Claims

Home Warranty of America makes it easy to submit a claim anytime. Their easy online claims section allows you to request a repair or replacement whenever it’s convenient for you.

Just fill out the form and send it for review, and you’ll be met with a quick response from the company.

No Inspections

No matter what your house looks like, how big it is, or your age, you will qualify for coverage with Home Warranty of America.

They won’t require an inspection to cover your home or the appliances within, so you get the peace of mind you need when buying a home or trying to protect your home from normal wear and tear.

The Bad

As with any company, there are some downsides to what Home Warranty of America offers.

Customer Service

They don’t have great customer service options. The only way to submit a claim is online, so while it’s easy to do, some customers may feel that the lack of a mobile option prevents it from being convenient.

When contacting customer service, you have live chat, phone, and email options, which seems fine until you realize that it’s not 24 hours a day like some other providers offer. However, when they are available, it’s easy to hop on a chat session when you need help.

Contractual Obligation

Home Warranty of America requires that all customers sign a one-year contract. Other providers will let you go quarterly or even month-to-month.

With Home Warranty of America, you’re locked in for a year whether you like the services or not.

If you don’t want to sign a long-term contract, it’s not a great option for you.

Alternatives to Home Warranty of America

As you shop for the perfect home warranty company, take a look at some of Home Warranty of America’s top alternatives.

The Bottom Line – Home Warranty of America Review

Home Warranty of America provides extensive warranty plans with add-on options to help you customize your offering.

The prices are low, but they do require you to sign a one-year contract. Their GreenPlus plan is an excellent choice for the economically-minded individual and a fantastic way to get a discount on new appliances.

If you’re in the market for a home warranty, Home Warranty of America is available to all individuals in all fifty states, including the District of Columbia.

They also have options for real estate professionals, buyers, sellers, and existing homeowners.

How We Review Home Warranty Companies: 

Good Financial Cents evaluates home warranty companies by examining coverage breadth, responsiveness, and the reliability of claims processes. Our goal is to offer homeowners a balanced and informative perspective. Editorial transparency is a consistent focus in our reviews.

We actively gather information from home warranty companies, reviewing the specifics of coverage plans and service agreements. This data, paired with our research and customer feedback, informs our evaluation process. Companies are then rated based on their performance, leading to a star rating from one to five.

For further insight into the criteria we use to rate home warranty companies and our evaluation approach, please refer to our editorial guidelines and full disclaimer.