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Home Warranty Inc Review

If you’re looking for home warranty reviews, you’re probably thinking about purchasing a home warranty in 2019, but are not sure which company to choose. We will help you solve this problem and make the right decision. Have you seen Home Warranty Inc., but still not sure if this is the right company for you? The best way to make a decision is to read the review at ReviewHomeWarranties.com and see what other customers have to say about it. This Home Warranty Inc. review describes the most up-to-date and detailed information about the company’s terms and conditions, coverage, trustworthiness, and summarized consumer reviews.  

In order to save you time and provide you with the most important and objective data, our team has collected information from multiple sources, including the company's official website homewarrantyinc and many consumer reporting sites.

We suggest reading this Home Warranty Inc. review carefully before making your final decision and signing a contract, as it can help you decide whether this company is trustworthy, and a good value for your money.

Official website:
Home Warranty Inc Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Pros And Cons
  • Flexible plan term options
  • Different plan types available
  • Low chance of payment delays
  • Clients praised prompt response

  • Tricky terms and conditions
  • Unexpected fees reported
  • Low contractor ability reported
  • Not available in all states
Not available through RHW
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Covered Appliances and Systems
  • Icon
view more
Air conditioner
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan (up to $1,000.00)
Heating system
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan (up to $1,000.00)
Ductwork
Covered by Home Protection Plan
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Covered by Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Refrigerator
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Refrigerator ice maker
Covered as optional (up to $200.00)
Free-standing ice maker
Not covered
Wine refrigerator
Not covered
Stand-alone freezer
Covered by Appliance Protection Plan
Microwave
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Oven
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Dishwasher
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Water dispenser
Not covered
Trash compactor
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Disposal
Covered by Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Cooktop exhaust fan
Not covered
Ceiling fan
Not covered
Attic fans
Not covered
Bath exhaust fan
Not covered
Whole house fan
Not covered
Washer
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Dryer
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Plumbing
Covered by Home Protection Plan, Home Protection Plan
Plumbing stoppages
Covered as optional
Water heater
Covered by Appliance Protection Plan, Supplemental Home Protection Plan, Home Protection Plan (up to $500.00)
Water purification
Not covered
Water softener
Covered by Appliance Protection Plan
Covered as optional (up to $400.00)
Well pump
Covered as optional (up to $500.00)
Toilet
Covered by Home Protection Plan, Home Protection Plan
Septic
Not covered
Sump pump
Covered by Home Protection Plan, Home Protection Plan
Septic tank pumping
Covered as optional (up to $500.00)
Outside sewer line
Not covered
Outside water line
Not covered
Electrical
Covered by Home Protection Plan, Home Protection Plan
Generator
Not covered
Garage door
Covered by Supplemental Home Protection Plan, Home Protection Plan, Home Protection Plan
Doorbell
Not covered
Alarm
Not covered
Outside electrical line
Not covered
Outside gas line
Not covered
Pool
Covered as optional (up to $500.00)
Spa
Covered as optional (up to $500.00)
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Not covered
our overall rating 68.80%
Updated for Jun 16, 2019
Facts and Figures
  • Effective in1 day
  • Hours 24/7
  • Cancellation?
  • Premium $0 - $1,116
  • Deductible$0 - $75
  • Limits$500 - $1,000
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
Not available through RHW
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Our Top-Rated Alternatives to Home Warranty Inc

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Good selection of plans
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 3 Total Home Protection
Editorial Rating 91.2
  • Multiple optional coverage items
  • 24/7 service calls
  • Clear terms and conditions
  • Free cancellation within 30 days
  • Emergency service available
  • Clients praised communication
Fair Disclosure: ReviewHomeWarranties.com has referral agreements with some of the companies presented on our top lists. We selected these companies because we believe they are the best choice for our readers. Referral income helps us keep the content on this website free.
Editorial Notes

Home Warranty Inc has been serving clients across the USA for about two decades, in spite of tough market conditions, which indicates its reputation and solid position on the market. The company covers 29 states in the USA, which is rare compared to its competitors.

Home Warranty Inc. has several good things going for it—its simple service contract, emergency service, and track record. It also boasts operating a 24/7 complaint center, similar to other companies in this sector. In making a comparison of Home Warranty Inc. with other companies, we can say that despite the high risk of repair delays and unexpected costs, the Home Warranty Inc BBB rating is A+, which speaks highly in its favor.

On the other hand, the company is limited in its coverage—covering only as little as about half of the appliances and home systems its competitors are covering. We highly recommend you to read this Home Warranty Inc review and the advertise disclosure carefully in order to avoid any misunderstandings in the future.

Summary rating:
Value for money:
Average
Not available through RHW
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Trustworthiness

Can Home Warranty Inc. be trusted? We understand how difficult it is to choose a home warranty company, so we analyzed the data on the company website along with customer comments on various consumer reporting sites such as the BBB and Google Reviews to provide you with the most objective review.

Legal
Ownership
Home Warranty of the Midwest, Inc.
Established
1999
CEO
Douglas VantHof, President
Registered in
Rock Rapids, IA
Address
303 S 2nd Ave Rock Rapids, IA 51246-1534
Available states
All except: Alabama, Alaska, Arizona, California, Connecticut, Florida, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New York, Oregon, Rhode Island, Vermont, Virginia, Washington, Wyoming, District of Columbia
Full list of states
Arkansas, Colorado, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, Wisconsin
Type of company (private, public)
Private
Mediation and arbitration bodies
Any disputes shall be construed and enforced under the laws of the State of Iowa.

Home Warranty Inc. has been in operation since 1999, which is a significant period of time compared to such companies as American Home Guard, which was established in 2013. This is long enough to earn a good reputation among homeowners. The company was able to remain in the market for so long, despite the appearance of competitors, which indicates the quality of its services. The headquarters of Home Warranty Inc is located in Rock Rapids, IA.

Service provided by the company is available in 29 states, including Colorado, Illinois, Indiana, Michigan, Minnesota, Missouri, North Carolina, Ohio, Pennsylvania, South Dakota, Tennessee, and Texas. In case you are not satisfied with the company’s service, your dispute shall be handled under the laws of the State of Iowa.

 

Accessibility
How to contact
Main Page >> Contact Us
Online chat
No
Social media

A big reason for choosing a home warranty company is their availability to their customers. No matter the plan, you can contact the company through the contact form or phone number listed on their website. Note that Home Warranty Inc phone number may vary by state. The company does not have an online chat, but it is on Twitter.

Benchmarks
Home Warranty Inc
Other companies
Company size
No data
0
1,650
Annual revenue
No data
0
$1,276,000,000
Number of homeowners
No data
0
2,200,000
Number of BBB complaints closed within last 3 years
45
0
12,770
Traffic
1,300
0
383,900
Number of independent contractors
No data
0
44,000
Reputation
BBB accreditation
A+ (Accredited)

Home Warranty Inc. is accredited by the Better Business Bureau with an A rating, which is above the industry average and may indicate the company’s reliability.

Trustworthiness Rating
4.3 / 5.0
Not available through RHW
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Coverage

Here we will help you understand the details of various home warranty plans offered by Home Warranty Inc. Home warranties can cover a whole range of products and systems within your home. However, if you want to choose the plan you need and do not overpay for repair and replacements, you should look around your house and think whether you need to cover your home systems only, appliances, or both.

Similar to other companies, Home Warranty Inc. offers a range of plan options for homeowners, home buyers, and sellers, including The Appliance Plan and the Supplemental Home Protection Plan. For home sellers, free listing coverage is included for 6 months.The cost of these plans is between $300 and $1116. This price range is comparable to TotalProtect Home Warranty, whose plans are between $275 and $791.

Be aware that home warranty coverage will not repair everything that can break in your home. The limits are $200 to $1,000 which is low, and can be compared to 365 Home Warranty.  For instance, the limit for the water heater is $500, which may not be enough to cover the repair or replacement costs. For example, the first company in our ranking, Select Home Warranty has limits of $500 to $2,000, or First American Home Buyers Protection’ s limits that are up to $2,500.

The Supplemental Home Protection Plan costs $25 per month and covers heating system, water heater, washer and dryer, air conditioner, dishwasher, microwave, oven, refrigerator, and trash compactor. This plan is suitable for homeowners who don’t have a stand-alone freezer or water softener and prefer to pay deductibles rather than have it prepaid. The service fee per incident is $75 for this plan. 

On the other hand, choosing the Appliance Plan, you won’t have to pay any deductibles. This plan covers the same items as the Supplemental Home Protection Plan plus stand-alone freezer and water softener. All items in this plan are optional, and the cost varies from $5 to $93 per month. For example, a home warranty for your refrigerator will cost $5 a month, and furnace $7 a month.

The minimum Home Warranty Inc coverage term is one month for both plans.

For home buyers, Home Warranty Inc covers all major home systems and appliances with unknown pre-existing conditions with no charge for up to 6  months. Coverage for optional items, like a swimming pool and spa, ice maker, well pump, and water softener is available for a fee. For home sellers, the list of covered items is shorter and does not include items from the buyer's optional coverage list. Coverage for heating and air conditioning systems is not included in the Seller's plan, and is available for an additional charge.

Adding things not covered by a typical plan can also increase your monthly bill. If you have an appliance or system that is atypical, it’s possible that it’s not covered by standard plans. If you have a swimming pool or spa, well pump, or refrigerator ice maker, you can purchase optional coverage for that. The prices are between $30 to $200, while the limits are $200 to $500. Thus, you should do the math to see if the extra cost for expanded Home Warranty Inc coverage will be worth it over a year.

Summary of plans and coverage:
Coverage Term
Service Call Fee
Items
Limit
Silver Combo Plan
Optional Coverage
Premium Amount
$25.00
$30.00 - $200.00
 
Coverage
$200.00 - $1,000.00
56%
12%
Coverage details
Air conditioner
$1,000.00
Details
Covered by HWI
  • Cooling system (including a heat pump, central air conditioner, or water evaporative cooler unit) and associated parts and components
  • Blower fan motors
  • Controls
  • Fan blades
  • Heat/cool thermostats
  • Damper or zone control systems
  • Internal system controls
  • Wiring and relays
  • Motors and switches
  • Air handler
  • Capacitors
  • Compressors
  • Condenser fan motors
  • Condenser coils
  • Evaporator coils
  • Fan blades
  • Pumps
  • Refrigerant filter dryer
  • Refrigerant piping
  • Reversing valves
Not Covered by HWI
  • Portable or window units
  • Outside or underground piping
  • Circulation components or redrilling of wells for water source heat pumps
  • Fuel storage tanks
  • Expansion tanks
  • Filters
  • Timers
  • Humidifiers or dehumidifiers
  • Condensate drain pump
  • Flues and vents
  • Improperly sized systems
  • Cleaning and maintenance
  • Pressure regulators
  • Computerized energy management systems
  • Gas air conditioning systems
  • Electronic air cleaners
  • Water towers
  • Roof jacks and stands
  • Chillers
  • Any system with asbestos
  • Interconnecting refrigerant lines
  • Water pumps
  • Water cooling towers
  • Improper use of metering devices
  • Pre-coolers
  • Insulation
  • Concrete pads
  • Costs related to adding or recapturing refrigerant
Dishwasher
-
Details
Covered by HWI
  • All components and parts including racks, baskets, rollers, portable units in home at time of warranty inception.
Not Covered by HWI
  • Cleaning or repair due to failure caused by foreign objects, scale, rust, minerals, and other deposits
  • Rack replacement is at the discretion of Home Warranty
Disposal
-
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Failures due to stoppages
Dryer
-
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Venting
  • Knobs and dials
  • Damage to clothing
Ductwork
-
Details
Covered by HWI
  • Accessible ductwork from covered unit to point of attachment on register/grill
Not Covered by HWI
  • Concrete encased or inaccessible ductwork
Electrical
-
Details
Covered by HWI
  • Interior wiring including main breaker panel or fuse box, general wiring, receptacles, and standard light switches
  • Coverage begins at the main service panel
Not Covered by HWI
  • Fixtures
  • Direct current wiring, components, or systems (including but not limited to door bell systems, alarm systems, intercom or speaker/stereo systems, carbon monoxide and fire alarms and/or detection systems, batteries, telephone systems or wiring, touch pad assemblies, timers, low voltage household wiring)
  • Wiring outside the confines of the foundation or in a detached garage/building
  • Wiring or electrical system components servicing additional or optional items for which no coverage has been purchased
  • Heat lamps
  • Load control devices
  • Wall, bathroom, attic, exhaust, or whole house fans
  • Failures and conditions caused by inadequate wiring capacity, circuit overload, power failure/shortage or surge
  • Corrosion caused by moisture
  • Appliance management systems or computers
  • Data wiring
Garage door
-
Details
Covered by HWI
  • Mechanical parts and components including drive chains or lead screws, motor, receiver board, relays, transmitters/remotes, switches, and obstruction sensors
  • Coverage is only for openers located in garages attached to the primary residential structure, or, if no attached garage, 1 detached garage used as primary garage not located more than 30 feet from the home
  • Coverage is for up to 3 units on a single unit property
Not Covered by HWI
  • Batteries
  • Damage caused by door malfunctions
  • Door assemblies (including, but not limited to, door panels, tracks, rollers, hinges, cables and springs)
  • Frequency interference
  • Lights sending units
  • Touch or key pads
  • Reprogramming
  • Failure caused by improper installation
  • Counter balance mechanisms
Heating system
$1,000.00
Details
Covered by HWI
  • Main heating and associated parts and components:
  • Blower fan motors
  • Burners
  • Controls
  • Fan blades
  • Heat/cool thermostats
  • Damper or zone control systems
  • Heat exchangers
  • Heating elements
  • Igniter and pilot assemblies
  • Internal system controls
  • Wiring and relays
  • Motors and switches
  • Air handler
  • Capacitors
  • Compressors
  • Condenser fan motors
  • Condenser coils
  • Evaporator coils
  • Fan blades
  • Pumps
  • Reversing valves
Not Covered by HWI
  • Portable or window units, solar heating systems, pellet or wood stoves, radiant cable heat, or fireplaces and associated components
  • Chimneys
  • Outside or underground piping
  • Circulation components or redrilling of wells for water source heat pumps
  • Fuel storage tanks
  • Expansion tanks
  • Filters
  • Timers
  • Heat lamps
  • Humidifiers or dehumidifiers
  • Condensate drain pump
  • Flues and vents
  • Improperly sized systems
  • Cleaning and maintenance
  • Free-standing or gas log systems, including gas supply lines
  • Dampers
  • Pressure regulators
  • Computerized energy management systems
  • Electronic air cleaners
  • Water towers
  • Roof jacks and stands
  • Any system with asbestos
  • Heat recovery units
  • Interconnecting refrigerant lines
  • Water pumps
  • Water cooling towers
  • Improper use of metering devices
  • Insulation
  • Concrete pads
  • Baseboard, casings, registers and radiators tied to boiler systems
  • Boiler
Microwave
-
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Portable, countertop, convection, infrared, or high-speed units
  • Interior linings
  • Glass
  • Shelves
  • Meat probe assemblies or rotisseries
Oven
-
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Clocks (unless they affect the function of the oven)
  • Meat probe assemblies or rotisseries
  • Racks
  • Magnetic induction
  • Glass
  • Thermostatic controllers will only be replaced with standard controls
Plumbing
-
Details
Covered by HWI
  • Leaks and breaks of water, drain, waste, vent or gas lines except if caused by freezing or roots
  • Toilet wax ring seals, angle stops, and risers
  • Coverage on water supply plumbing begins after the water meter and within the confines of the foundation of the home and does not include garage or detached buildings
Not Covered by HWI
  • All plumbing in or under the ground, foundation or slab, all piping and plumbing outside the perimeter of the foundation
  • Stoppages, water softeners, or well pumps and associated systems (unless optional coverage is purchased for these items)
  • Septic systems
  • Gas lines leading to non-covered items
  • Faucets and fixtures (including but not limited to bathtubs, shower bays, sinks, toilets, bidets)
  • Caulking or grouting
  • Pressure regulators, inadequate or excessive water pressure, flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
  • Sewage ejector pumps
  • Holding, pressure, or storage tanks
  • Saunas or steam rooms
  • Lawn or fire sprinkler systems
  • Water purification systems
  • Drains or drain line check valves
  • In-floor heat systems
  • Circulating pumps
  • Backflow preventers
Refrigerator
-
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Ice makers, ice crushers, beverage dispensers and associated parts
  • Interior thermal shells or liners
  • Food spoilage
  • Inaccessible refrigerant leaks
Stand-alone freezer
-
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Ice makers, ice crushers, beverage dispensers and associated parts
  • Interior thermal shells or liners
  • Food spoilage
  • Drain heaters
  • Inaccessible leaks
Sump pump
-
Details
Covered by HWI
  • Permanently installed sump pump (ground water only)
Not Covered by HWI
  • Sewage ejector pumps or lift stations
  • Any unit located outside the covered property
  • Backup battery power supply and pump.
Toilet
-
Details
Covered by HWI
No Info
Not Covered by HWI
No Info
Trash compactor
-
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Lock and key assemblies
  • Removable buckets.
Vacuum
-
Details
Covered by HWI
  • Motor, relay, and switches
Not Covered by HWI
  • Hoses, receptacles and attachments
  • Inadequate capacity
  • Piping
  • Blockages
Washer
-
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Fabric softener dispensers
  • Filter screens
  • Knobs and dials
  • Damage to clothing
Water heater
$500.00
Details
Covered by HWI
  • Main unit (Including a tank, tankless, or power vent unit)
  • Exhaust blower assembly
  • Water heater elements
  • Gas control valves
  • Thermostats
Not Covered by HWI
  • Solar water heaters and components
  • Thermal expansion or holding tanks
  • Noises
  • Odors
  • Color or purity of water
  • Flues and vents
  • Insulation blanket
  • Hot water dispensers are considered secondary water heaters and are not covered unless optional coverage is purchased
  • Combination water heaters/boilers and components unless purchased as a secondary heating unit
Water softener
-
$30.00
Details
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Rental units are not eligible for coverage
  • Resin bed or resin replacement
Spa
$500.00
$200.00
Details
Covered by HWI
  • Pump motor and assembly
  • Heating system
  • A separate fee is required for both pool and built-in spa equipment unless they utilize all common covered equipment
Not Covered by HWI
  • Lights
  • Liners
  • Filter systems
  • Removal of wet sand from sand filter system
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains or waterfalls and associated parts
  • Pool cover and related equipment
  • Fill valves
  • Built-in or detachable cleaning equipment and related parts
  • Heat pump
  • Portable spas
  • Timer or remote control systems and associated systems
  • Related plumbing
  • Two- and three-way valves
  • Any concrete encased, below-ground, or inaccessible system or components
Pool
$500.00
$200.00
Details
Covered by HWI
  • Pump motor and assembly
  • Heating system
  • A separate fee is required for both pool and built-in spa equipment unless they utilize all common covered equipment
Not Covered by HWI
  • Lights
  • Liners
  • Filter systems
  • Removal of wet sand from sand filter system
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains or waterfalls and associated parts
  • Pool cover and related equipment
  • Fill valves
  • Built-in or detachable cleaning equipment and related parts
  • Heat pump
  • Portable spas
  • Timer or remote control systems and associated systems
  • Related plumbing
  • Two- and three-way valves
  • Any concrete encased, below-ground, or inaccessible system or components
Well pump
$500.00
$85.00
Details
Covered by HWI
  • All components and parts of well pump utilized as the main source of water to the home including well pump, controls, impellers, motor, and pump seals.
Not Covered by HWI
  • Well casings
  • Pressure or storage tanks
  • Plumbing or electrical lines leading to or connecting pressure tank and main dwelling (including but not limited to wiring from control box to the pump)
  • Redrilling of wells
  • Booster pumps
  • Contamination or lack of water
  • Excavation or other charges necessary to gain access
Plumbing stoppages
-
$75.00
Details
Covered by HWI
  • Cleaning of stoppages in drain and sewer lines within the confines of the home foundation where there is an accessible ground level clean out
  • Coverage starts 30 days after the start of the main warranty and continues until the end of the main contract period
Not Covered by HWI
  • Vent or sewer lines outside the confines of the main foundation of the home
  • Stoppages due to roots, foreign objects, or failure of a plumbing system component
  • Costs to locate, access, or install a ground level clean out
  • Septic tanks (unless optional septic coverage is purchased)
Septic tank pumping
$500.00
$75.00
Details
Covered by HWI
  • Septic tank, grinder pump, aerobic pump, jet pump, or sewage ejector pump associated with septic system
  • One-time tank pumping due to septic tank back up only per contract term
  • Coverage starts 30 days after payment is received or the closing date, whichever is later
  • Coverage may only be added within the first 30 days after closing or contract start date, whichever is later
Not Covered by HWI
  • Broken or collapsed sewer lines, tile field, leach bed, leach lines, lack of capacity, seepage pits, cesspool, cost of locating and gaining access to septic tank, sewer lines, hookups, disposal of waste, chemical treatment of septic tank and sewer lines, associated electrical systems other than pump
  • Clearing of the main line through an existing access or clean out within the confines of the foundation unless plumbing stoppages coverage is purchased
  • Stoppages caused by roots and foreign objects
  • Septic systems not associated with the covered primary residence
Refrigerator ice maker
$200.00
$30.00
Details
Covered by HWI
  • All parts and components
Not Covered by HWI
  • Stand-alone ice makers
  • Beverage dispenser
Premium Amount
Silver Combo Plan
56%
$25.00
COVERAGE DETAILS
Air conditioner
Expand
Limit
$1,000.00
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Cooling system (including a heat pump, central air conditioner, or water evaporative cooler unit) and associated parts and components
  • Blower fan motors
  • Controls
  • Fan blades
  • Heat/cool thermostats
  • Damper or zone control systems
  • Internal system controls
  • Wiring and relays
  • Motors and switches
  • Air handler
  • Capacitors
  • Compressors
  • Condenser fan motors
  • Condenser coils
  • Evaporator coils
  • Fan blades
  • Pumps
  • Refrigerant filter dryer
  • Refrigerant piping
  • Reversing valves
Not Covered by HWI
  • Portable or window units
  • Outside or underground piping
  • Circulation components or redrilling of wells for water source heat pumps
  • Fuel storage tanks
  • Expansion tanks
  • Filters
  • Timers
  • Humidifiers or dehumidifiers
  • Condensate drain pump
  • Flues and vents
  • Improperly sized systems
  • Cleaning and maintenance
  • Pressure regulators
  • Computerized energy management systems
  • Gas air conditioning systems
  • Electronic air cleaners
  • Water towers
  • Roof jacks and stands
  • Chillers
  • Any system with asbestos
  • Interconnecting refrigerant lines
  • Water pumps
  • Water cooling towers
  • Improper use of metering devices
  • Pre-coolers
  • Insulation
  • Concrete pads
  • Costs related to adding or recapturing refrigerant
Dishwasher
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts including racks, baskets, rollers, portable units in home at time of warranty inception.
Not Covered by HWI
  • Cleaning or repair due to failure caused by foreign objects, scale, rust, minerals, and other deposits
  • Rack replacement is at the discretion of Home Warranty
Disposal
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Failures due to stoppages
Dryer
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Venting
  • Knobs and dials
  • Damage to clothing
Ductwork
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Accessible ductwork from covered unit to point of attachment on register/grill
Not Covered by HWI
  • Concrete encased or inaccessible ductwork
Electrical
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Interior wiring including main breaker panel or fuse box, general wiring, receptacles, and standard light switches
  • Coverage begins at the main service panel
Not Covered by HWI
  • Fixtures
  • Direct current wiring, components, or systems (including but not limited to door bell systems, alarm systems, intercom or speaker/stereo systems, carbon monoxide and fire alarms and/or detection systems, batteries, telephone systems or wiring, touch pad assemblies, timers, low voltage household wiring)
  • Wiring outside the confines of the foundation or in a detached garage/building
  • Wiring or electrical system components servicing additional or optional items for which no coverage has been purchased
  • Heat lamps
  • Load control devices
  • Wall, bathroom, attic, exhaust, or whole house fans
  • Failures and conditions caused by inadequate wiring capacity, circuit overload, power failure/shortage or surge
  • Corrosion caused by moisture
  • Appliance management systems or computers
  • Data wiring
Garage door
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Mechanical parts and components including drive chains or lead screws, motor, receiver board, relays, transmitters/remotes, switches, and obstruction sensors
  • Coverage is only for openers located in garages attached to the primary residential structure, or, if no attached garage, 1 detached garage used as primary garage not located more than 30 feet from the home
  • Coverage is for up to 3 units on a single unit property
Not Covered by HWI
  • Batteries
  • Damage caused by door malfunctions
  • Door assemblies (including, but not limited to, door panels, tracks, rollers, hinges, cables and springs)
  • Frequency interference
  • Lights sending units
  • Touch or key pads
  • Reprogramming
  • Failure caused by improper installation
  • Counter balance mechanisms
Heating system
Expand
Limit
$1,000.00
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Main heating and associated parts and components:
  • Blower fan motors
  • Burners
  • Controls
  • Fan blades
  • Heat/cool thermostats
  • Damper or zone control systems
  • Heat exchangers
  • Heating elements
  • Igniter and pilot assemblies
  • Internal system controls
  • Wiring and relays
  • Motors and switches
  • Air handler
  • Capacitors
  • Compressors
  • Condenser fan motors
  • Condenser coils
  • Evaporator coils
  • Fan blades
  • Pumps
  • Reversing valves
Not Covered by HWI
  • Portable or window units, solar heating systems, pellet or wood stoves, radiant cable heat, or fireplaces and associated components
  • Chimneys
  • Outside or underground piping
  • Circulation components or redrilling of wells for water source heat pumps
  • Fuel storage tanks
  • Expansion tanks
  • Filters
  • Timers
  • Heat lamps
  • Humidifiers or dehumidifiers
  • Condensate drain pump
  • Flues and vents
  • Improperly sized systems
  • Cleaning and maintenance
  • Free-standing or gas log systems, including gas supply lines
  • Dampers
  • Pressure regulators
  • Computerized energy management systems
  • Electronic air cleaners
  • Water towers
  • Roof jacks and stands
  • Any system with asbestos
  • Heat recovery units
  • Interconnecting refrigerant lines
  • Water pumps
  • Water cooling towers
  • Improper use of metering devices
  • Insulation
  • Concrete pads
  • Baseboard, casings, registers and radiators tied to boiler systems
  • Boiler
Microwave
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Portable, countertop, convection, infrared, or high-speed units
  • Interior linings
  • Glass
  • Shelves
  • Meat probe assemblies or rotisseries
Oven
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Clocks (unless they affect the function of the oven)
  • Meat probe assemblies or rotisseries
  • Racks
  • Magnetic induction
  • Glass
  • Thermostatic controllers will only be replaced with standard controls
Plumbing
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Leaks and breaks of water, drain, waste, vent or gas lines except if caused by freezing or roots
  • Toilet wax ring seals, angle stops, and risers
  • Coverage on water supply plumbing begins after the water meter and within the confines of the foundation of the home and does not include garage or detached buildings
Not Covered by HWI
  • All plumbing in or under the ground, foundation or slab, all piping and plumbing outside the perimeter of the foundation
  • Stoppages, water softeners, or well pumps and associated systems (unless optional coverage is purchased for these items)
  • Septic systems
  • Gas lines leading to non-covered items
  • Faucets and fixtures (including but not limited to bathtubs, shower bays, sinks, toilets, bidets)
  • Caulking or grouting
  • Pressure regulators, inadequate or excessive water pressure, flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
  • Sewage ejector pumps
  • Holding, pressure, or storage tanks
  • Saunas or steam rooms
  • Lawn or fire sprinkler systems
  • Water purification systems
  • Drains or drain line check valves
  • In-floor heat systems
  • Circulating pumps
  • Backflow preventers
Refrigerator
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Ice makers, ice crushers, beverage dispensers and associated parts
  • Interior thermal shells or liners
  • Food spoilage
  • Inaccessible refrigerant leaks
Stand-alone freezer
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Ice makers, ice crushers, beverage dispensers and associated parts
  • Interior thermal shells or liners
  • Food spoilage
  • Drain heaters
  • Inaccessible leaks
Sump pump
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Permanently installed sump pump (ground water only)
Not Covered by HWI
  • Sewage ejector pumps or lift stations
  • Any unit located outside the covered property
  • Backup battery power supply and pump.
Toilet
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
No Info
Not Covered by HWI
No Info
Trash compactor
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Lock and key assemblies
  • Removable buckets.
Vacuum
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Motor, relay, and switches
Not Covered by HWI
  • Hoses, receptacles and attachments
  • Inadequate capacity
  • Piping
  • Blockages
Washer
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Fabric softener dispensers
  • Filter screens
  • Knobs and dials
  • Damage to clothing
Water heater
Expand
Limit
$500.00
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
Expand
Covered by HWI
  • Main unit (Including a tank, tankless, or power vent unit)
  • Exhaust blower assembly
  • Water heater elements
  • Gas control valves
  • Thermostats
Not Covered by HWI
  • Solar water heaters and components
  • Thermal expansion or holding tanks
  • Noises
  • Odors
  • Color or purity of water
  • Flues and vents
  • Insulation blanket
  • Hot water dispensers are considered secondary water heaters and are not covered unless optional coverage is purchased
  • Combination water heaters/boilers and components unless purchased as a secondary heating unit
Water softener
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
$30.00
Expand
Covered by HWI
  • All components and parts
Not Covered by HWI
  • Rental units are not eligible for coverage
  • Resin bed or resin replacement
Spa
Expand
Limit
$500.00
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
$200.00
Expand
Covered by HWI
  • Pump motor and assembly
  • Heating system
  • A separate fee is required for both pool and built-in spa equipment unless they utilize all common covered equipment
Not Covered by HWI
  • Lights
  • Liners
  • Filter systems
  • Removal of wet sand from sand filter system
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains or waterfalls and associated parts
  • Pool cover and related equipment
  • Fill valves
  • Built-in or detachable cleaning equipment and related parts
  • Heat pump
  • Portable spas
  • Timer or remote control systems and associated systems
  • Related plumbing
  • Two- and three-way valves
  • Any concrete encased, below-ground, or inaccessible system or components
Pool
Expand
Limit
$500.00
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
$200.00
Expand
Covered by HWI
  • Pump motor and assembly
  • Heating system
  • A separate fee is required for both pool and built-in spa equipment unless they utilize all common covered equipment
Not Covered by HWI
  • Lights
  • Liners
  • Filter systems
  • Removal of wet sand from sand filter system
  • Structural defects
  • Solar equipment
  • Jets
  • Ornamental fountains or waterfalls and associated parts
  • Pool cover and related equipment
  • Fill valves
  • Built-in or detachable cleaning equipment and related parts
  • Heat pump
  • Portable spas
  • Timer or remote control systems and associated systems
  • Related plumbing
  • Two- and three-way valves
  • Any concrete encased, below-ground, or inaccessible system or components
Well pump
Expand
Limit
$500.00
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
$85.00
Expand
Covered by HWI
  • All components and parts of well pump utilized as the main source of water to the home including well pump, controls, impellers, motor, and pump seals.
Not Covered by HWI
  • Well casings
  • Pressure or storage tanks
  • Plumbing or electrical lines leading to or connecting pressure tank and main dwelling (including but not limited to wiring from control box to the pump)
  • Redrilling of wells
  • Booster pumps
  • Contamination or lack of water
  • Excavation or other charges necessary to gain access
Plumbing stoppages
Expand
Limit
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
$75.00
Expand
Covered by HWI
  • Cleaning of stoppages in drain and sewer lines within the confines of the home foundation where there is an accessible ground level clean out
  • Coverage starts 30 days after the start of the main warranty and continues until the end of the main contract period
Not Covered by HWI
  • Vent or sewer lines outside the confines of the main foundation of the home
  • Stoppages due to roots, foreign objects, or failure of a plumbing system component
  • Costs to locate, access, or install a ground level clean out
  • Septic tanks (unless optional septic coverage is purchased)
Septic tank pumping
Expand
Limit
$500.00
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
$75.00
Expand
Covered by HWI
  • Septic tank, grinder pump, aerobic pump, jet pump, or sewage ejector pump associated with septic system
  • One-time tank pumping due to septic tank back up only per contract term
  • Coverage starts 30 days after payment is received or the closing date, whichever is later
  • Coverage may only be added within the first 30 days after closing or contract start date, whichever is later
Not Covered by HWI
  • Broken or collapsed sewer lines, tile field, leach bed, leach lines, lack of capacity, seepage pits, cesspool, cost of locating and gaining access to septic tank, sewer lines, hookups, disposal of waste, chemical treatment of septic tank and sewer lines, associated electrical systems other than pump
  • Clearing of the main line through an existing access or clean out within the confines of the foundation unless plumbing stoppages coverage is purchased
  • Stoppages caused by roots and foreign objects
  • Septic systems not associated with the covered primary residence
Refrigerator ice maker
Expand
Limit
$200.00
Silver Combo Plan
Platinum Combo Plan
Platinum Combo Plan
Platinum Appliance Plan
Optional Coverage
$30.00
Expand
Covered by HWI
  • All parts and components
Not Covered by HWI
  • Stand-alone ice makers
  • Beverage dispenser

Once you have decided which home systems and appliances you want to be covered, it is time to consider these plans in detail and then select one that will satisfy all of your needs for a home warranty.

Air Conditioning and Heating System

As for the A/C system, the limit provided by Home Warranty Inc. is up to $1,000, which includes coverage of cooling systems, blower fan motors, controls, thermostats, internal system controls, wiring, and compressors. However, portable or window units, outside or underground piping, electronic air cleaners, filters, timers, humidifiers, as well as cleaning and maintenance, or improperly sized systems will not be covered. The same applies to the heating system.

Plumbing

The main unit of a water heater including a tank, tankless, or power vent unit is covered. Exhaust blower assemblies, water heater elements, gas control valves, and thermostats are covered as well. Pay attention that combination water heaters or boilers and components, unless purchased as a secondary heating unit will not be covered. Hot water dispensers are considered secondary water heaters and are not covered unless you buy optional coverage. The limit for repairing or replacement of a water heater is up to $500.

Home Appliances

Home Warranty Inc. includes coverage on common, everyday household appliances, such as dishwasher, microwave, oven, refrigerator, stand-alone freezer, trash compactor, water softener, and washer and dryer. Things like knobs and dials, interior linings, glass, locks are not included. However, the warranty plans provide coverage for the more expensive parts of your appliances, such as motors, heaters, or fans.

Cleaning or repair due to failure caused by foreign objects, scale, rust, minerals, and other deposits is not provided by the warranty plans.

Home Warranty Inc. also has the option to purchase additional coverage. So, if your home has a pool or spa, there are coverage options for that. Moreover, if you live in a rural area and have a well pump, you can get coverage for that as well. If you don’t want to think about what to do if you have a breakdown with your pool, it’s better to pay the additional $200.

Coverage Rating
4.9 / 5.0
Not available through RHW
Click Here to View Alternatives
The Fine Print
Item
Value
Comparison to Industry
Coverage effective after
1 days
At industry minimum
Expand
1
24.86
1
31
Cancellation with refund within
Unknown days
n/a
Expand
Unknown data
Cancellation fee
$Unknown
n/a
Expand
Unknown data
Automatic policy renewal
Yes
As 95% of industry
Expand
Time to cancel automatic renewal
30 days
Below industry average
Expand
1
31.25
30
60
Fee for contract transfer
$Unknown
n/a
Expand
Unknown data
Max time to submit claim
Unknown days
n/a
Expand
Unknown data
Repair timeframe
Unknown business days
n/a
Expand
Unknown data
Repair timeframe (weekends and holidays)
Unknown days
n/a
Expand
Unknown data
Free second opinion
Unknown
n/a
Expand
Unknown data
Emergency service available
Unknown
n/a
Expand
Unknown data
Hours for service calls
24/7
As 84.5% of industry
Expand
Reservice if repairs fail
Yes
Standard for industry
Expand
Free reservice period (parts)
30 days
At industry minimum
Expand
30
87.29
30
365
Free reservice period (labor)
30 days
At industry minimum
Expand
30
60.22
30
365

The best advice to follow is to read the fine print of the warranty company. Every company that you investigate will have a contract. A well-written contract will clearly spell out the covered items and exclusions for your warranty. So, we dug into company’s terms and conditions to provide you with all of the necessary information.

Home Warranty Inc. has a Home Protection Plan Agreement on their site, which explains the coverage requirements, limits of liability, transfer, cancellation and renewals, and other information.

Home Warranty Inc coverage is effective after one day, which means that you’ll have your house covered the day you sign the contract. This is the minimum term compared to competitors.

Once you’ve had an appliance or system repaired, that item is covered under a workmanship guarantee. The company guarantees the parts and labor of that particular repair for a period of 30 days. So, you won’t have to pay two times for the same breakdown.

Note that your contract will be automatically renewed if not canceled. However, time to cancel the automatic renewal is 30 days, which is the industry minimum.

The Fine Print Rating
4.1 / 5.0
Not available through RHW
Click Here to View Alternatives
Feedback
Summary of ratings from popular review sites:
Home Warranty Inc
Industry Average
Website
Numbers of Reviews
Relative Score
Adjusted Score
BBB
Numbers of Reviews
43
323
Relative Score
3.9
2.9
Adjusted Score
3.4
Google Reviews
Numbers of Reviews
57
453
Relative Score
2.4
3.3
Adjusted Score
1.8
Main takeaway points from customer feedback:
Home Warranty Inc
Industry Average

Your first task before researching home warranty companies is to read the company’s reviews available on the internet. To help you with this, we have gathered Home Warranty Inc reviews from Google Reviews and the BBB, as well as compared the company’s ratings and complaints to the average on the market.

In total, we’ve found approximately 60 Home Warranty Inc reviews and Google Reviews. Overall, the level of client satisfaction is almost the same as the industry average. However, Home Warrantu Inc BBB is high—3.9 compared to 2.8 of the industry average. Moreover, the company is accredited by the Better Business Bureau with an A+ rating. Home Warranty Inc. is given an overall rating of 3.2 against the industry average of 3.0.

The most common home repairs mentioned in the Home Warranty Inc reviews are related to the heating system, refrigerator, dryer, and microwave. A total of 20% of Home Warranty Inc. customers were satisfied with the work of the company, which is 7% more than the industry average. Twice as many clients also stated easy communication.

However, 13% of customers complained about problems such as repair delays, which is less than the average by 3%; unprofessionalism of contractors, which is more than 6%; and unexpected costs, which is twice the average in the industry.

Feedback Rating
5.0 / 5.0
Not available through RHW
Click Here to View Alternatives
The Final Words

Is Home Warranty Inc. good?


We hope that this Home Warranty Inc review helped you to decide for yourself, whether this company is good for you or not. Home Warranty Inc. has been serving its clients across 23 states for two decades. Its longevity and solid reputation show that this company can be relied upon. 

Unfortunately, there are only two coverage plans available, as well as a limited selection of optional coverage items. On the other hand, the company provides an option with zero deductibles.  

Home Warranty Inc BBB rating, which is based solely on consumer reports, is A, which also indicates the high quality of the services provided. Satisfied customers stated good and fast service from the company.  

Overall, considering the quality, company’s rating, and emergency service, Home Warranty Inc. is a nice choice for a home service agreement. It has a solid reputation among clients, buyers, and sellers, as well as clear and precise terms and conditions. 

You can get a free quote by visiting the company’s website homewarrantyinc.com and filling in the contact form, as well as by phone. The phone number is available on the site and may vary by state. Alternatively, you may check the reviews of our top companies below.