Home Warranty of America is a budget-friendly, broad-coverage home warranty option for homeowners who want protection for both systems and appliances. Its higher plan is especially worth reviewing if you want air conditioning coverage and expanded protection beyond the basic plan. Current advertised pricing starts below $60 per month, but the real cost depends on your quote and selected coverage.

HWA is strongest for homeowners who want a simple claim process, a national contractor network, and optional add-ons. It is less ideal for homeowners who want to choose their own technician, avoid strict contract exclusions, or get longer workmanship guarantees than 30 days.

About Home Warranty of America

Home Warranty of America has been active in the home warranty space for more than 25 years, offering service contracts designed to help homeowners manage the cost of covered breakdowns. Its plans are built around repair or replacement protection for common home systems and appliances, including items such as plumbing, electrical systems, heating, air conditioning, refrigerators, washers, dryers, dishwashers, and garage door systems.

HWA’s model is simple: when a covered item breaks, the homeowner submits a claim online or by phone, pays the applicable trade call fee, and HWA assigns a service contractor to diagnose the issue. The company states that customers can request service online or by phone day or night, and its landing page highlights a network of more than 25,000 technicians nationwide.

The company is best understood as a service-contract provider, not a manufacturer, warranty, or homeowners’ insurance replacement. A home warranty generally covers normal wear-and-tear breakdowns of listed systems and appliances, while homeowners’ insurance typically covers sudden losses such as fire, theft, or storm damage.

Key Features

• Two main plan levels: HWA currently markets two homeowner plan tiers. The lower plan provides basic protection, while the higher plan adds air conditioning coverage and more comprehensive coverage for additional items. Some HWA materials call these Premier and Premier Plus, while other current references call them Select and Select Plus.
• 24/7 service requests: Customers can request service online or by phone at any time. HWA’s sample terms state that service requests are accepted 24 hours a day, 7 days a week, 365 days a year.
• 30-day repair guarantee: If services performed under the contract fail, HWA provides necessary repairs without another trade call fee for 30 days on parts and 30 days on labor from the date the service was materially complete.
• No inspection requirement: HWA states that homeowners do not need a home inspection to qualify, and the age of covered items does not affect the ability to secure protection. However, covered systems and components must be in proper working order when coverage begins.
• Green Plus option: HWA’s Green Plus add-on can replace certain covered systems or appliances with ENERGY STAR qualified products. Examples listed by HWA include dishwasher, refrigerator, washing machine, heating system replacement with a 90% efficiency model, and water heater replacement with a tankless water heater.

Plans Available

Premier Plan / Select Plan

The entry-level plan is designed for basic home protection. HWA’s plan pages list core items such as heating system/furnace, ductwork, plumbing system, stoppages and clogs, washer, dryer, refrigerator, dishwasher, and garage door systems under the Premier plan overview.

This plan may work for homeowners who want broad everyday protection without paying for the higher plan. However, homeowners should check the current quote page and sample contract carefully because certain items may receive only basic coverage, and HWA’s homepage materials currently use both Premier and Select naming in different places.

Premier Plus Plan / Select Plus Plan

The higher plan adds more comprehensive protection and includes air conditioning coverage, including window units, along with plumbing fixtures, faucets, showerheads, and more than 30 additional items beyond the lower plan.

This plan is likely the better fit for homeowners who want AC coverage or more complete protection for common breakdowns. HWA’s current advertised starting price for the higher plan is $59.92 per month when based on a $100 trade call fee.

Optional Add-On Coverage

HWA offers several optional add-ons that can be added for an extra monthly cost. Current examples listed by HWA include pool/spa combo, saltwater pool, stand-alone freezer, second refrigerator, septic system, septic tank pumping, well pump, SEER/R-410A modifications, Premium Coverage, Green Plus, and Orange Plus.

Popular add-ons include:

• Pool and spa equipment
• Saltwater pool equipment
• Well pump
• Septic system
• Septic tank pumping
• Second refrigerator
• Stand-alone freezer
• Green Plus
• SEER/R-410A modifications
• Orange Plus

The best add-ons depend on your home. For example, Green Plus may appeal to homeowners who want higher-efficiency replacements, while SEER/R-410A modifications may matter more for homes with aging HVAC systems.

Plan Pricing and Fees

HWA’s current official homeowner page advertises pricing “as low as” $46.08 per month for the lower plan and $59.92 per month for the higher plan, based on a $100 trade call fee. HWA also notes that pricing varies by home type and square footage, and coverage begins 30 days after initial payment and the contract start date.

Third-party 2026 reviews place HWA’s service or trade call fee generally in the $75 to $100+ range, with Forbes listing $85 to $100 and ConsumerAffairs listing $75 to $100. Because pricing varies, homeowners should rely on the personalized quote and coverage letter rather than assuming a fixed national price.

Coverage Limits and Important Exclusions

HWA’s sample terms state that the company’s obligation to pay for repair or replacement is limited to $5,000 per covered system and component and $15,000 in the aggregate during the coverage period, subject to further limitations in the contract.

That broad cap does not mean every item receives $5,000 in coverage. Some items have lower limits. For example, the sample terms list a $1,000 aggregate limit for repair or replacement of tankless or oil water heaters, and other parts of the contract include item-specific exclusions and limitations.

Coverage also depends on timing and condition. HWA’s terms state that coverage does not apply to breakdowns known before the coverage period start date and applies to covered systems and components that are in proper working order on the coverage period start date and then fail because of normal wear and tear.

How to Get a Quote and File a Claim

Getting a Quote

To get a quote, visit HWA’s website or landing page and enter your basic contact and property information. HWA’s current landing page also promotes a special offer of $150 off plus the first month free, though promotional terms can change.

When reviewing your quote, compare the plan level, trade call fee, optional add-ons, coverage limits, and waiting period. HWA states that terms can vary by region, so homeowners should read the specific contract and coverage letter before purchasing.

Filing a Claim

When a covered item breaks, HWA says customers can request service online or by phone. The company assigns an authorized repair technician, and under normal circumstances, the sample terms say HWA dispatches service requests to an authorized technician within 48 hours.

The homeowner must pay the trade call fee for each service request before services are scheduled. HWA also states that it has the sole right to select the authorized repair technician and will not reimburse for services performed without prior approval.

Customer Support

HWA offers online and phone-based support for claims, with service requests accepted 24/7/365. Its website also includes account access and claim filing links, making it possible for customers to manage service requests digitally.

Customer feedback is mixed. Positive reviews often mention helpful customer service and quick technician scheduling, while negative reviews commonly mention delays, claim approval issues, repair-provider concerns, and cancellation frustrations.

The 30-day workmanship guarantee adds some reassurance, but it is shorter than what some competing home warranty companies offer. Homeowners should keep documentation of claims, technician visits, fees paid, and communications in case a repair issue returns within the guarantee window.

Bottom Line

Home Warranty of America is still a relevant home warranty provider in 2026, especially for homeowners who want two straightforward plan choices, both systems and appliance coverage, and advertised monthly pricing that starts below $60 for the higher plan. Its optional add-ons also make it more flexible for homes with pools, wells, septic systems, second refrigerators, or efficiency-focused replacement preferences.

The biggest reason to consider HWA is the amount of coverage available for the price. The company’s contract includes a broad $5,000 per covered system/component and $15,000 aggregate cap, though lower limits and exclusions apply to specific items.

The biggest reason to be cautious is the claims experience. HWA assigns its own contractors, requires prior approval for covered service, and has mixed customer feedback around delays and claim handling.

Overall, HWA is worth considering for homeowners who want affordable, broad home warranty coverage and are comfortable carefully reviewing contract limits before buying. It is best for people who want help managing unexpected repair costs, but it may not be ideal for homeowners who want full control over contractor selection or who prefer a longer repair guarantee.