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Monthly premium
$48.33 and up
Service fee
$75 and up per claim.
States available
Monthly premium
$48.33 and up
Service fee
$75 and up per claim.
States available
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Home Warranty of America: Plans and Costs in 2025
Affordable plans and high coverage limits come with poor customer satisfaction and inflexible service fees.
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Senior Editor & Content Strategist
Home Warranty of America offers two comprehensive plans with high coverage limits per item 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 location, but customers can’t choose their service fee. And the company has mixed customer satisfaction scores online.
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Out take on Home Warranty of America
Overall | 2.0 NerdWallet rating |
Price | 4.0 NerdWallet rating |
Service fees | 3.0 NerdWallet rating |
Customer satisfaction | 1.0 NerdWallet rating |
Breadth of coverage | 4.0 NerdWallet rating |
Coverage limits | 5.0 NerdWallet rating |
This snapshot shows some factors that we consider when rating a home warranty company and is not representative of the full evaluation process. | |
What we like about Home Warranty of America
High coverage limits. The company covers most items up to $5,000.
Consistent pricing. All of the quotes we gathered showed the same pricing for base plans, regardless of location.
Rust and corrosion coverage. The company covers up to $2,000 in repairs to plumbing and electrical systems for rust or corrosion. Some home warranties won’t cover these problems at all.
Saltwater pool coverage available. Customers can add coverage for some saltwater pool equipment for an extra monthly fee; not all companies offer this coverage.
What we don’t like about Home Warranty of America
Set service fees. Customers can’t choose their service fees to adjust their premiums.
Comprehensive plans only. The company doesn’t offer appliance-only or system-only coverage.
Only $15,000 aggregate coverage. This maximum coverage per contract term is low compared to some competitors.
Mixed customer satisfaction scores. Although it’s not unusual for home warranty companies to have mixed reviews online, Home Warranty of America’s customer satisfaction scores and customers’ issues with cancelling auto-renewal of their plans give us pause.
NerdWallet's Best Home Warranties
Good coverage with affordable premiums
Home Warranty of America’s plans
Home Warranty of America offers two comprehensive plans:
Select Plan covers select appliances, including built-in microwave, dishwasher, oven/range/cooktop, trash compactor, and ceiling and exhaust fans. It also covers a heating system, ductwork, electrical system, plumbing system, water heater, central vacuum system, garage door opener, doorbells, and burglar and fire systems.
Select Plus Plan covers the same items as the Select Plan and adds coverage for an air conditioning system, one kitchen refrigerator (including the ice maker), and a clothes washer and dryer.
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.
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 perform routine maintenance or repair cosmetic issues, pre-existing conditions or items that were improperly installed.
Additionally, Home Warranty of America doesn’t repair issues caused by sediment buildup; however, unlike some home warranties, the company will pay for plumbing and electrical repairs related to rust and corrosion, though it limits how much it’ll pay toward those specific issues.
» MORE: Are home warranties worth it?
Home Warranty of America’s 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 some situations.
For systems, Home Warranty of American reduces the following coverage limits:
Heating systems that are hot water circulating, steam circulating, glycol systems or geothermal pumps are reduced to $1,500.
Tankless water heaters and oil water heaters are reduced to $1,000.
Plumbing and electrical that is affected by rust or corrosion is reduced to $2,000.
Ductwork and plumbing or electrical repairs that require a technician to cut into concrete are reduced to $1,000 coverage.
For appliances, Home Warranty of America reduces coverage limits for ceiling fans, exhaust fans, central vacuums, burglar alarms and fire alarms to $400.
Home Warranty of America’s aggregate limit is $15,000 — the most it’ll pay toward all repairs during a homeowner’s coverage period. This is lower than some of its competitors.
Nerdy Perspective
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.
Home Warranty of America cost
Plans start at $48.33 per month for the company’s Select Plan.
To compare Home Warranty of America’s pricing, we requested quotes for both plans in three cities that represent different costs of living. The company’s pricing was consistent regardless of location.
Select Plan | Select Plan Plus | |
|---|---|---|
Anaheim, California | $48.33. | $60.83. |
Dallas, Texas | $48.33. | $60.83. |
Tulsa, Oklahoma | $48.33. | $60.83. |
Average cost | $48.33. | $60.83. |
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; the quotes we gathered all showed a service fee of $85.
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. A 30-day guarantee is standard for home warranty companies, but several of Home Warranty of America’s competitors offer better repair guarantees.
Customer reviews and experiences
NerdWallet considered customer reviews from three review websites to get a wider perspective of customer experiences. We’ve highlighted the types of experiences that we’ve found to be most common, keeping in mind that online reviews tend to lean toward negative experiences. NerdWallet hasn’t independently verified the claims made in these consumer reviews.
Trustpilot: 3.9 out of 5. ConsumerAffairs: 1.1 out of 5. Better Business Bureau: 1.02 out of 5.
Many customers who like Home Warranty of America note that their technicians responded quickly and were fast with repairing their items. However, some negative reviews of the company describe unreliable repairs, issues with the company scheduling technicians or ordering parts for repairs, and the company denying claims that customers believe should’ve been covered.
💡 Good to know!
Several reviews describe customers’ issues when trying to cancel their plans. 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.
Alternatives to Home Warranty of America
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Liberty Home Guard
Liberty Home Guard
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AFC Home Warranty
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IS THIS COMPANY AVAILABLE IN MY STATE?
IS THIS COMPANY AVAILABLE IN MY STATE?
» MORE: Read our full review of AFC Home Warranty
How we rate and review home warranties
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.