Home Warranty of America: Plans and Costs in 2026
Decently priced plans and high coverage limits from Home Warranty of America come with poor customer satisfaction.
Home Warranty of America offers two comprehensive plans with high coverage limits for major home systems and appliances. Coverage bonuses include rust and corrosion with plumbing and electrical systems, and the option to pay extra to cover saltwater pools. Plans start at $48.33 regardless of your location, but customers can’t choose their service fee. And the company has mixed customer satisfaction scores online with a common theme of refusing to honor cancellation requests.
To give you the best insight into Home Warranty of America’s plans, services and reputation, the NerdWallet’s Home Services editorial team read through the company’s sample contract, researched multiple websites and Reddit threads to better understand customers’ experiences and compared quotes for different major cities. We’ve compiled that research into a quick take on Home Warranty of America followed by a more in-depth dive into the company’s coverage, pricing, limits, policy exclusions and trends in customer satisfaction.
We read HWA's sample contract from top to bottom.
We compared quotes in different cities to understand HWA's pricing.
We researched HWA's customers' experiences by digging through online consumer reviews and Reddit threads.
Home Warranty of America offers coverage limits of $5,000 each for HVAC, plumbing and electrical system repairs, which is on the higher end compared with competitors.
The Nerds' take on Home Warranty of America
Home Warranty of America offers coverage limits of $5,000 each for HVAC, plumbing and electrical system repairs, which is on the higher end compared with competitors.
NerdWallet rating: 2 out of 5 stars.
What makes it shine: Home Warranty of America has competitive pricing on its plans and a variety of add-on items. The company also pays up to $5,000 on most approved repairs, though there is a list of specific items that have lower limits. It also pays to repair plumbing and electrical problems related to rust and corrosion, but it lowers the coverage limit for those repairs.
The company also has a solid list of optional coverage that you can add to a plan, including options for modifying air conditioning systems for repairs and paying for code violations and permit fees.
What could be better: There were a few policies that our editorial team found in the company’s sample contract that we didn’t love, including a requirement to have a septic certification to qualify for septic tank pumping. You’ll also pay $2.50 extra for each payment if you pay monthly, and you can’t choose your service fee. The company also guarantees its repairs for only 30 days.
Home Warranty of America’s customer reviews aren’t great, and our editorial team noticed a trend in which customers couldn’t get the company to cancel their plans when they requested a cancellation.
Cost | ✅ Competitive prices. |
Plan options | ❌ Comprehensive only. |
Optional coverage | ✅ Affordable pricing with a good list of options. |
How much they pay for repairs | ✅ Generally high limits for most items. |
What it doesn't cover | ✅ Consistent with most competitors’ exclusions. |
How long it guarantees repairs | ❌ Only 30 days. |
Customer satisfaction scores | ❌ Customer ratings are on the lower end with some negative trends. |
Home Warranty of America’s plans
Home Warranty of America offers two comprehensive plans: Select Plan and Select Plus Plan. Both plans cover common major home systems and appliances, but the Select Plus Plan adds coverage for an air conditioning system, refrigerator with ice maker, and a washer and dryer set.
Select Plan
Select Plan Plus
Built-in microwave
✓
✓
Dishwasher
✓
✓
Range/oven/cooktop
✓
✓
Trash compactor
✓
✓
Kitchen refrigerator with ice maker
X
✓
Clothes washer and dryer set
X
✓
Select Plan
Select Plan Plus
Air conditioning
X
✓
Heating system/furnace
✓
✓
Ductwork
✓
✓
Electrical system
✓
✓
Plumbing system
✓
✓
Water heater
✓
✓
Select Plan
Select Plan Plus
Burglar and fire systems
✓
✓
Ceiling fans and exhaust fans
✓
✓
Central vacuum
✓
✓
Doorbells
✓
✓
Garage door opener
✓
✓
» MORE: Are home warranties worth it?
Home Warranty of America optional coverage
Home Warranty of America has optional coverage that you can add to your plan for items that aren’t commonly covered. These are available for an additional charge to your monthly fee. You can add coverage for:
Pool and spa combo equipment.
Saltwater pool circuit boards and salt cells.
Limited roof leak repair.
Well pump.
Septic system.
Septic tank pumping.
Sprinkler system.
Second refrigerator.
Stand-alone freezer.
The company also offers two optional packages. One covers SEER/R-410A modifications that might be necessary to update some air conditioning systems. The other, called Orange Plus, covers a water softener, rekeying your doors, and paying for code violations or permit fees needed for approved repairs.
🚨 Nerd Alert 🚨 If you purchase the optional coverage for septic tank pumping, Home Warranty of America requires you to have a septic certification completed within 90 days of starting your home warranty coverage. The company can require you to show proof of the certification if you request to have your septic tank pumped. If you don’t have proof of a certification within 90 days of your home warranty starting, Home Warranty of America can deny your claim.
Home Warranty of America cost
To compare Home Warranty of America’s pricing, the NerdWallet editorial team requested quotes for both plans in three cities that represent different costs of living. The prices for the plans and optional coverage items were the same in each city we used.
Monthly plan fee
You can pay a monthly or onetime payment for an entire year of coverage. If you pay one payment for the year, the company gives you an extra month of coverage for free, so you end up with 13 months of coverage. If you pay monthly, you’ll pay an additional $2.50 fee each month. We’ve included that extra fee into the cost in the table below.
Select Plan | Select Plan Plus | |
|---|---|---|
Monthly cost | $48.33. | $60.84. |
Annual cost | $550.00. | $700.00. |
Service fee
Like most home warranty companies, Home Warranty of America charges a service fee every time a technician visits your home. You’ll pay this fee even if the company denies your claim for a repair. Home Warranty of America’s website says its service fees generally range from $75 to $100 and that the amount you pay is based on your state and plan. T; the quotes we gathered all showed a service fee of $85, and we weren’t given the option to choose a different amount.
Optional coverage costs
Home Warranty of America’s optional items are priced individually and added to your plan’s monthly fee. The price for each item was the same for every city for which we requested quotes.
Add-on coverage | Cost per month |
|---|---|
Limited roof leak repair | $5.83. |
Freshwater pool and spa | $15.00. |
Saltwater pool and spa | $15.00. |
Well pump | $8.33. |
Septic tank pumping | $6.25. |
Septic system | $12.50. |
Sprinkler system | $7.50. |
Second refrigerator | $3.33. |
Stand-alone freezer | $3.33. |
Orange Plus | $13.33. |
SEER/R-410A modifications | $4.17. |
How much Home Warranty of America pays for repairs, aka coverage limits
Home Warranty of America limits how much it pays for certain repairs, which is common with home warranty companies. For systems and appliances, Home Warranty of America pays up to $5,000 for most repairs; however, it reduces coverage limits for some items or in certain situations.
Items included in plans | Amount HWA will pay for repairs |
|---|---|
Heating systems that are hot water circulating, steam circulating, glycol systems or geothermal pumps | $1,500. |
Tankless water heaters and oil water heaters | $1,000. |
Plumbing and electrical that is affected by rust or corrosion | $2,000. |
Ductwork and plumbing or electrical repairs that require a technician to cut into concrete | $1,000. |
Ceiling fans, exhaust fans, central vacuums, burglar alarms and fire alarms | $400. |
All other plan items | $5,000. |
Home Warranty of America also limits how much it pays for optional items that you add to your plan.
Optional coverage items | Amount HWA will pay for repairs |
|---|---|
Freshwater pool and spa | $1,000. |
Saltwater pool and spa equipment | $1,500. |
Well pump | $1,500. |
Stand-alone refrigerator, freezer or ice maker | $1,000. |
Septic tank pumping | Cost to pump a septic tank once during the service contract. |
Septic system and ejector pump | $500 combined. |
SEER Standard/R-410A modifications | $500. |
Orange Plus | Varies by item. |
Home Warranty of America’s aggregate limit is $15,000 — the most it’ll pay toward all repairs during a homeowner’s coverage period, typically one year at a time. This is lower than some of its competitors' aggregate limits.
Unlimited coverage doesn't guarantee a repair.
Some home warranty companies advertise unlimited coverage, but that doesn't mean they'll fix everything. There's typically a cap on how much they'll pay for repairs on the specific items your plan covers, and they'll deny claims on repairs your plan doesn't cover. It's good to read your plan carefully to know what's covered and what's not.
When Home Warranty of America refuses to pay for repairs, aka exclusions
Like many home warranty companies, Home Warranty of America repairs covered items that fail or malfunction because of normal wear and tear. It doesn’t cover:
Routine maintenance.
Cosmetic issues.
Pre-existing conditions.
Improperly installed items.
Issues caused by sediment buildup.
👓 Spotted by the Nerds
Unlike some companies, Home Warranty of America will pay for plumbing and electrical repairs related to rust and corrosion, though it limits how much it’ll pay toward those specific issues.
The fine print in HWA contracts
Repair guarantee
Home Warranty of America guarantees repairs, including parts and labor, for 30 days. If an approved repair fails and the same problem occurs within 30 days, the company won’t charge you a service fee to send out a technician to repair it again.
Although 30 days is a standard repair guarantee with home warranties, there are a few companies that offer longer guarantees, including AFC Home Warranty and Cinch Home Services.
‘In lieu of repair’
Like many home warranty companies, Home Warranty of America can choose to pay you money instead of covering the cost of a repair or replacement. This is a common alternative when the parts are unavailable to repair an item or the cost of a repair is more expensive than the item’s value.
However, Home Warranty of America determines how much it will pay you in lieu of a repair in two ways. If parts are unavailable for a repair, it will pay you the “fair value” of the unavailable parts. This means it’ll pay the same amount it would’ve spent to purchase the parts if they had been available. But if it chooses to pay you instead of replacing an item, even if parts are available, the company only pays you what it would’ve paid for a repair. In both cases, the amount Home Warranty of America will pay you can be less than what you need to repair or replace the covered item.
Matching replacements
If Home Warranty of America replaces a covered item, it can choose a replacement that doesn’t have the same dimensions as the old item. The company will cover the cost of installing the replacement item, but it won’t pay for any carpentry or construction work that must be done to make the new item fit properly.
Home Warranty of America isn’t required to match the color or brand of an item or upgrade an item if it must install a replacement during the first 30 days of your contract.
Hauling away replaced items
Home Warranty of America pays to haul off replacement systems or appliances only if you purchase the Orange Plus optional coverage. Otherwise, you have to pay to have someone dispose of the item.
» MORE: Home warranty vs. home insurance: What's the difference?
What homeowners say about Home Warranty of America
This section highlights customer reviews and posts about Old Republic Home Protection. Reddit is an online forum where users share their thoughts in “threads” on various topics. The popular site includes plenty of discussion on financial subjects like home warranties, so we sifted through Reddit forums to get a pulse check on how users feel about Home Warranty of America. People post anonymously, so we cannot confirm their individual experiences or circumstances. Likewise, we can’t verify the experiences customers post on consumer review websites.
Customers that posted positive online reviews of Home Warranty of America mention that technicians scheduled appointments quickly and repaired items well. Several customers also noted that customer service was helpful when they called.
Unhappy Home Warranty of America customers note several trends with the company’s customer service and processes. Among the complaints are continually receiving excuses from customer service about delays in claim approvals and long wait times for payments to purchase replacements. Among other BBB complaints are reviews mentioning bad customer service experiences and long wait times when Home Warranty of America claimed it couldn’t find local repair technicians.
🚨 Nerd Alert 🚨 Several reviews describe customers’ issues when trying to cancel their plans, such as extensive wait times on hold to speak with someone. Several mentioned that the company put them on a month-to-month plan when they requested for their plans not to renew automatically. If you choose Home Warranty of America and decide not to renew your plan, be clear with them that you don’t want to continue with a month-to-month payment schedule either.
Where is Home Warranty of America available?
Home Warranty of America is available in all 50 states.
What to know before buying a home warranty
Reading the coverage and exclusions information in your contract is one of the most impactful things you can do to avoid costly misunderstandings in the future. You have a right to read your contract before purchasing a plan, and it’s important to understand that home warranties:
Always have exclusions to coverage, no matter what their sales pitches say. Read your contract carefully before purchasing a plan — especially anything listed as an exclusion or limit of liability. For example, a company might cover air conditioning systems but exclude certain parts or components, such as coils. Other companies cover plumbing repairs but won’t pay to clear all plumbing stoppages or repair certain types of leaks.
Are not a type of insurance. Even though some companies call their service fees deductibles, home warranties do not work the same way as insurance policies. They differ in what they cover and how they pay for repairs or replacements. A home warranty is not a supplement for homeowners insurance.
Limit how much they pay. If the cost of a repair or replacement goes beyond a limit stated in your contract, you’ll have to pay the difference. For example, if the bill for a repair is $2,000 and the limit is $1,500, you’re required to cover $500. This is in addition to your monthly premium and service fee.
Can deny your claim for several reasons. Examples include if you had work performed on a covered item without approval or you modified the system or appliance.
May not pay enough to cover the full cost of replacing a covered item. Home warranties often depreciate the value of items as they age, so you’ll likely have to pay at least some money to replace an item, even if it’s covered by the contract.
FAQs
How many plans does Home Warranty of America offer?
The company has two plans, Select and Select Plus. Both plans cover appliances and major home systems, but Select Plus covers more items than the Select plan.
What complaints do customers have about Home Warranty of America?
Among the negative online reviews and Reddit threads our editorial team reviewed, we noticed many customers mentioning the company denying claims they thought should be covered, having trouble canceling their plans and long wait times for repairs.
Is Home Warranty of America expensive?
Compared to its competitors, Home Warranty of America isn’t expensive for a home warranty plan. But it’s a good idea to compare quotes from different companies and ensure you understand what is covered by each plan before deciding which option is best for your budget.
Can I file a claim with Home Warranty of America online?
Yes, you can submit a claim through the company’s online portal. You can also call the customer service phone number to have someone help you with the process.
NerdWallet's Editorial Team Picks for Best Overall Home Warranties
See which home warranties our writers and editors think are the best options for homeowners.
Alternatives to Home Warranty of America
Old Republic Home Protection
Old Republic Home Protection's coverage limits are on the high end compared with competitors, especially for HVAC and appliances.
» MORE: Read our full review of Old Republic Home Protection
Cinch Home Services
Cinch Home Services guarantees their technicians' repairs for 180 days, which is much longer than their competitors' standard 30-day and 60-day guarantees.
» MORE: Read our full review of Cinch Home Services
Liberty Home Guard
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
» MORE: Read our full review of Liberty Home Guard
AFC Home Warranty
AFC Home Warranty guarantees its repairs for the life of a membership, which means you won't pay a service fee if a repair technician has to repair the same issue again at any point as long as you renew your membership.
» MORE: Read our full review of AFC Home Warranty
Methodology
Our Home Services team reviews home warranty companies with our readers in mind. We provide unbiased reviews that consider several factors, including cost, covered items, coverage limits, customer ratings, ability to choose your own technician and warranty on work completed. When rating home warranties, we researched 13 companies, compared terms and conditions in their service agreements and read customer reviews from three consumer review websites. While NerdWallet does have partnerships with some home warranty companies, our editorial team is uninvolved in that process to ensure unbiased reviews and recommendations. Read more about how NerdWallet rates home warranties.