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Home Warranty of America Review

Why is this Home Warranty of America review for 2019 useful for you to read? Because it will help you decide on whether or not to choose this company for your home warranty. In making this review, the team of ReviewHomeWarranties.com based its findings on the company’s terms and conditions, reputation, comparison with other companies in this industry, as well as consumer HWA reviews from customer reporting sites.

This Home Warranty for America review will give you a clear idea of the company’s credibility, policy, coverage, and pricing before deciding to sign up with the company. So, read this review carefully, whether you live in Florida or Arizona, or any other state, before making a commitment.

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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
  • Vast social media presence
  • Online chat readily available
  • Clients praised excellent work
  • Widely available in the U.S.

  • Higher chance of claim denial
  • Unexpected fees reported
  • Delays in repairs reported
  • Limited coverage
Not available through RHW
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Covered Appliances and Systems
  • Icon
view more
Air conditioner
Covered by Premier Plus Plan
Heating system
Covered by Premier Plan, Premier Plus Plan (up to $1,500.00)
Ductwork
Covered by Premier Plan, Premier Plus Plan (up to $1,000.00)
Humidifier
Not covered
Air cleaner
Not covered
Vacuum
Covered by Premier Plan, Premier Plus Plan (up to $400.00)
Refrigerator
Covered by Premier Plan, Premier Plus Plan
Refrigerator ice maker
Covered by Premier Plan, Premier Plus Plan
Free-standing ice maker
Not covered
Wine refrigerator
Not covered
Stand-alone freezer
Covered as optional (up to $1,000.00)
Microwave
Covered by Premier Plan, Premier Plus Plan
Oven
Covered by Premier Plan, Premier Plus Plan
Dishwasher
Covered by Premier Plan, Premier Plus Plan
Water dispenser
Covered by Premier Plan, Premier Plus Plan
Trash compactor
Covered by Premier Plan, Premier Plus Plan
Disposal
Covered by Premier Plan, Premier Plus Plan
Cooktop exhaust fan
Covered by Premier Plan, Premier Plus Plan (up to $400.00)
Ceiling fan
Covered by Premier Plan, Premier Plus Plan (up to $400.00)
Attic fans
Not covered
Bath exhaust fan
Not covered
Whole house fan
Not covered
Washer
Covered by Premier Plan, Premier Plus Plan
Dryer
Covered by Premier Plan, Premier Plus Plan
Plumbing
Covered by Premier Plan, Premier Plus Plan (up to $2,000.00)
Plumbing stoppages
Covered by Premier Plan, Premier Plus Plan (up to $2,000.00)
Water heater
Covered by Premier Plan, Premier Plus Plan (up to $1,000.00)
Water purification
Not covered
Water softener
Not covered
Well pump
Covered as optional (up to $1,500.00)
Toilet
Covered by Premier Plan, Premier Plus Plan
Septic
Covered as optional (up to $500.00)
Sump pump
Covered by Premier Plan, Premier Plus Plan
Septic tank pumping
Not covered
Outside sewer line
Not covered
Outside water line
Not covered
Electrical
Covered by Premier Plan, Premier Plus Plan (up to $2,000.00)
Generator
Not covered
Garage door
Covered by Premier Plan, Premier Plus Plan
Doorbell
Covered by Premier Plan, Premier Plus Plan
Alarm
Covered by Premier Plan, Premier Plus Plan (up to $400.00)
Outside electrical line
Not covered
Outside gas line
Not covered
Pool
Covered as optional (up to $1,000.00)
Spa
Covered as optional (up to $1,000.00)
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Covered as optional (up to $500.00)
our overall rating 81.10%
Updated for Jun 16, 2019
Facts and Figures
  • Effective in?
  • Hours 24/7
  • Cancellation$30
  • Premium $535 - $695
  • Deductible$75 - $100
  • Limits$400 - $2,000
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
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Click Here to View Alternatives

Our Top-Rated Alternatives to Home Warranty of America

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Plans under $30/month
  • 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
Editorial Notes

Home Warranty of America is an experienced company in the market. It has a positive reputation among homeowners and provides nationwide service, covering the whole territory of the USA. So, you can get your home warranty service wherever you live.

While HWA home warranty has high premiums, it also has high coverage limits. The company is appealing for having a wide range of services, covering the most common and essential items in your house. Having analyzed Home Warranty of America’s service, price, and quality, we can say that this company is a good value for your money.

We encourage you to read this Home Warranty of America review and the advertiser disclosure in full in order to avoid any mishaps and misunderstandings in the future.

Summary rating:
Premium cost level:
Not available through RHW
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Trustworthiness

Can you trust Home Warranty of America? To answer this question, our team conducted a close analysis of the information available on the company’s website, as well as Home Warranty of America reviews from consumer reporting sites such as the BBB, Yelp, Google Reviews, and YSCAM.

Legal
Ownership
Home Warranty of America, Inc.; Direct Energy US Home Services, Inc.
Established
1996
CEO
Marc Roth
Registered in
Lincolnshire, IL
Address
P.O. Box 850, Lincolnshire, IL 60069-0850
Available states
All States
Type of company (private, public)
Private
Mediation and arbitration bodies
Any disputes shall be construed and enforced under the laws of the State of Texas

Home Warranty of America was established in 1996 in Lincolnshire, Illinois, and has spread their service area across the USA, providing warranties to a vast number of homeowners. The company is a highly competitive one in the home warranty market.

Accessibility
How to contact
Main Page >> Contact HWA
Online chat
Yes
Social media

Like some home warranty companies, this HWA home warranty is easily accessible. You can submit your claim 24/7 online via chat, or by phone with service reps ready to assist you. Also, Home Warranty of America has a social media page on Facebook, Twitter, and YouTube.

Benchmarks
Home Warranty of America
Other companies
Company size
100
0
1,650
Annual revenue
$63,860,180
0
$1,276,000,000
Number of homeowners
No data
0
2,200,000
Number of BBB complaints closed within last 3 years
1,367
0
12,770
Traffic
36,700
0
383,900
Number of independent contractors
No data
0
44,000
Reputation
BBB accreditation
B (Accreditated)

Over the years, Home Warranty of America established a solid reputation as a reliable provider of home warranty coverage for their clients. The company was accredited by the BBB and has a B rating that makes it comparable to such giants of the industry as Select Home Warranty, or Total Home Protection—not accredited by the BBB.

Trustworthiness Rating
4.5 / 5.0
Not available through RHW
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Coverage

Before making a decision, look around your house and decide what items you want to cover with a home warranty and how much you can afford to pay. To ensure making the right choice, you should know exactly what is covered under the HWA warranty and what is not. In this part of the Home Warranty of America review, we researched the company’s coverage plans, pricing policy, and additional coverage, and compared these with other home warranty companies.

Home Warranty of America provides two coverage plans: the Silver Combo Plan, or Premier Plan, and Platinum Combo Plan, or Premier Plus Plan. Both home warranty plans protect a wide selection of home systems and appliances, but with a slight difference. However, the list of additional Home Warranty of America coverage is quite limited.

The Silver Combo Plan covers main home systems such as heating, plumbing, electrical, and ductwork, as well as a wide range of kitchen and laundry items. Air Conditioning is not included. This plan will cost you $535. It is more expensive when compared with First American Home Warranty—the industry veteran—where the Basic Plan is $300, and with Total Home Protection—another industry giant—at $419 for the Silver Combo Plan. However, Home Warranty of America offers a wider list of systems and appliances covered with this plan.

For homeowners who want to have as many items and systems protected under HWA warranty as possible, the Platinum Combo Plan is the best option. It serves the most essential home systems, including air conditioning, and the same list of appliance items as the previously described plan. This plan will be only $115 more than the Silver Combo Plan, but with one of the most important home systems—a/c—is definitely worth the cost.

In addition to any Home Warranty of America plan, you can add several items from the optional coverage list. These add-ons will cost you $46 to $138. For exact details, see the table of the coverage plans below.

Summary of plans and coverage:
Coverage Term
Service Call Fee
Items
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Premium Amount
$655.00
$535.00
$46.00 - $138.00
 
Coverage
$400.00 - $2,000.00
90%
85%
11%
Coverage details
Air conditioner
-
Details
Covered by HWOA
  • Ducted electric central air conditioning, ducted electric wall air conditioning, geothermal/water source heat pumps, and waterevaporative coolers - All components and parts except for geothermal/water source heat pumps, all components and parts that are located within the foundation of the home or attached garage. When SEER standard/R-4 10A upgrade is purchased, for units below DTC1-2015 SEER standard and/or R-22 equipment standards and when HWA is unable to facilitate repair and/or replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair and/or replacement will be performed with SEER standard/R-4 10A equipment and/or 7.7 HSPF or higher compliant
Not Covered by HWOA
  • Gas air conditioning systems
  • Condenser casings
  • Registers and Grills
  • Filters
  • Electronic air cleaners
  • Window units
  • Non-ducted wall units – Water towers
  • Humidifiers
  • Improperly sized units
  • Chillers and chiller components
  • All exterior condensing, cooling and pump pads – Roof mounts, jacks, stands or supports
  • Condensate pumps
  • Commercial grade equipment
  • Outside or underground piping and components for geothermal and/or water source heat pumps
  • Cost for crane rentals
  • Electronic, computerized, and manual system s management and zone controllers
  • Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications – Improper use of metering devices (i.e., thermal expansion valves)
Alarm
$400.00
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Any wiring or parts located outside the main confines of the foundation of the home
  • Batteries
  • Video cameras
  • Video monitors
  • Sprinkler alarms and systems
Ceiling fan
$400.00
Details
Covered by HWOA
  • Motors
  • Switches
  • Controls
  • Bearings
  • Blades
Not Covered by HWOA
  • Whole house fans
  • Belts
  • Shutters
  • Filters
  • Lighting
Cooktop exhaust fan
$400.00
Details
Covered by HWOA
  • Motors
  • Switches
  • Controls
  • Bearings
  • Blades
Not Covered by HWOA
  • Whole house fans
  • Belts
  • Shutters
  • Filters
  • Lighting
Dishwasher
-
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Racks
  • Baskets
  • Rollers
  • Door seals
  • Portable dishwashers
Disposal
-
Details
Covered by HWOA
  • All components and parts, including entire unit
Not Covered by HWOA
  • Problems and/or jams caused by bones and foreign objects other than food
Doorbell
-
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Door bells associated with Intercom Systems. Battery operated door bells
Dryer
-
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Venting
  • Lint screens
  • Knobs and dials
  • Damage to clothing
  • Door seals
Ductwork
$1,000.00
Details
Covered by HWOA
  • Duct from heating unit to point of attachment at registers or grills
Not Covered by HWOA
  • Registers and grills
  • Insulation
  • Asbestos-insulated ductwork
  • Flues, vents and breaching
  • Ductwork exposed to outside elements
  • Separation due to settlement and/or lack of support
  • Damper Motors
  • Electronic, computerized, and manual systems management and zone controllers
Electrical
$2,000.00
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Fixtures
  • Carbon monoxide alarms, detectors or related systems
  • Intercoms and door bell systems associated with Intercoms
  • Inadequate wiring capacity
  • Solar power systems and panels
  • Direct current (D.C.) wiring or components
  • Attic fans
  • Commercial grade equipment
  • Damages due to power failure or surge, or loads greater than the system’s design
  • Circuit overload
  • Solar components
  • Energy management systems
Garage door
-
Details
Covered by HWOA
  • All components and parts of the garage door opener
Not Covered by HWOA
  • Garage doors
  • Infra-red sensors
  • Chains
  • Tracks
  • Rollers
  • Hinges and springs
  • Remote receiving/transmitting devices
Heating system
$1,500.00
Details
Covered by HWOA
  • All components and parts necessary for the operation of the system (including heat pumps which cool or heat the home)
Not Covered by HWOA
  • Baseboard casings
  • Oil storage tanks
  • Portable units
  • Solar heating systems
  • Fireplaces and key valves
  • Filters
  • Electronic air cleaners
  • Registers
  • Grills
  • Clocks
  • Timers
  • Heat lamps
  • Fuel Storage Tanks
  • Flues and Vents
  • Humidifiers
  • Commercial grade equipment
  • Gas heat pump systems
  • Outside or underground piping and components for geothermal and/or water source heat pumps
  • Systems with mismatched condensing unit and evaporative coil per manufacturer specifications
  • Improper use of metering devices (i.e. thermal expansion valves)
  • Condensate pumps
  • Electronic, computerized, and manual systems management and zone controllers
  • After market inducer fan motors
  • Pellet stoves
  • Cable heat
  • Wood stoves
  • Solar Heating and Components
  • Cost for crane rentals.
Microwave
-
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Interior linings
  • Door glass
  • Clocks
  • Shelves
  • Portable or counter top units
  • Meat probe assemblies
  • Rotisseries
  • Door seals
  • Lighting and handles
  • Glass
Oven
-
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Clocks (unless they affect the cooking function of the oven)
  • Meat probe assemblies
  • Rotisseries
  • Racks
  • Handles
  • Knobs
  • Sensi-heat burners will only be replaced with standard burners
  • Door seals
  • Lighting and handles
  • Glass
  • Portable range/oven/cooktop
Plumbing
$2,000.00
Details
Covered by HWOA
  • Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
  • Toilet tanks, bowls and mechanisms (replaced with builder’s standard as necessary), toilet wax ring seals
  • Instant hot water dispensers
  • Valves for shower, tub, and diverter angle stops, rinses and gate valves
  • Permanently installed interior sump pumps (used for storm water only)
  • Built-in bathtub whirlpool motor and pump assemblies – Pressure Regulators – Recirculating Pumps
  • Stoppages/Clogs, including hydro jetting, in drain and sewer lines up to 125’ from access point
  • Polybutylene piping is covered up to $1,000 in the aggregate during the Coverage Period
  • Main line stoppages are only covered if there is a ground level clean out available
Not Covered by HWOA
  • Stoppages and clogs in drain and sewer lines that cannot be cleared by cable, hydro jetting or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 125’ of access point)
  • Stoppages and clogs that can only be cleared through roof vent
  • Access to drain or sewer lines from vent or removal of water closets and/or toilets
  • Cost to locate, access or install ground level clean out
  • Hose bibs
  • Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
  • Fixtures, cartridges, shower heads and shower arms
  • Bathtubs and showers
  • Shower enclosures and base pans
  • Bath tub drain mechanisms
  • Sinks
  • Toilet lids and seats
  • Cabling or grouting
  • Whirlpool jets
  • Septic tanks
  • Water softeners
  • Inadequate or excessive water pressure
  • Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
  • Sewage ejector pumps
  • Holding or storage tanks
  • Saunas or steam rooms
  • Back up and battery sump pump systems
  • Basket strainers
Plumbing stoppages
$2,000.00
Details
Covered by HWOA
  • Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
  • Toilet tanks, bowls and mechanisms (replaced with builder’s standard as necessary), toilet wax ring seals
  • Instant hot water dispensers
  • Valves for shower, tub, and diverter angle stops, rinses and gate valves
  • Permanently installed interior sump pumps (used for storm water only)
  • Built-in bathtub whirlpool motor and pump assemblies – Pressure Regulators – Recirculating Pumps
  • Stoppages/Clogs, including hydro jetting, in drain and sewer lines up to 125’ from access point
  • Polybutylene piping is covered up to $1,000 in the aggregate during the Coverage Period
  • Main line stoppages are only covered if there is a ground level clean out available
Not Covered by HWOA
  • Stoppages and clogs in drain and sewer lines that cannot be cleared by cable, hydro jetting or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 125’ of access point)
  • Stoppages and clogs that can only be cleared through roof vent
  • Access to drain or sewer lines from vent or removal of water closets and/or toilets
  • Cost to locate, access or install ground level clean out
  • Hose bibs
  • Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
  • Fixtures, cartridges, shower heads and shower arms
  • Bathtubs and showers
  • Shower enclosures and base pans
  • Bath tub drain mechanisms
  • Sinks
  • Toilet lids and seats
  • Cabling or grouting
  • Whirlpool jets
  • Septic tanks
  • Water softeners
  • Inadequate or excessive water pressure
  • Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
  • Sewage ejector pumps
  • Holding or storage tanks
  • Saunas or steam rooms
  • Back up and battery sump pump systems
  • Basket strainers
Refrigerator
-
Details
Covered by HWOA
  • All components and parts, including integral freezer unit
Not Covered by HWOA
  • Racks
  • Shelves
  • Ice crushers
  • Water and Ice dispensers and their respective equipment
  • Water lines and valve to ice maker– Mini Fridges – Wine Coolers
  • Interior thermal shells
  • Freezers which are not an integral part of the refrigerator
  • Food spoilage
  • Door seals
  • Lighting and handles
  • Units moved out of the kitchen
  • Audio/visual components and internet connection equipment
Refrigerator ice maker
-
Details
Covered by HWOA
  • All components and parts, including integral freezer unit
Not Covered by HWOA
  • Racks
  • Shelves
  • Ice crushers
  • Water and Ice dispensers and their respective equipment
  • Water lines and valve to ice maker– Mini Fridges – Wine Coolers
  • Interior thermal shells
  • Freezers which are not an integral part of the refrigerator
  • Food spoilage
  • Door seals
  • Lighting and handles
  • Units moved out of the kitchen
  • Audio/visual components and internet connection equipment
Sump pump
-
Details
Covered by HWOA
No Info
Not Covered by HWOA
No Info
Toilet
-
Details
Covered by HWOA
No Info
Not Covered by HWOA
No Info
Trash compactor
-
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Lock and key assemblies
  • Removable buckets
  • Door seals
  • Portable Trash Compactor
Vacuum
$400.00
Details
Covered by HWOA
  • All mechanical system components and parts
Not Covered by HWOA
  • Duct work
  • Blockages
  • Accessories
Washer
-
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Plastic mini-tubs
  • Soap dispensers
  • Filter screens
  • Knobs and dials
  • Damage to clothing
  • Door seals
Water dispenser
-
Details
Covered by HWOA
  • All components and parts
Not Covered by HWOA
No Info
Water heater
$1,000.00
Details
Covered by HWOA
  • All components and parts, including circulating pumps
Not Covered by HWOA
  • Solar water heaters
  • Solar components
  • Fuel, holding or storage tanks
  • Noise
  • Energy management systems
  • Flues and vents
  • Commercial grade equipment
  • Problems resulting from sediment
  • Units exceeding 75 gallons
  • Drain pans and drain lines
Pool
$1,000.00
$138.00
Details
Covered by HWOA
  • Both pool and spa (including exterior hot tub and whirlpool) are covered if they utilize common equipment
  • If they do not utilize common equipment, then only one or the other is covered unless an additional coverage fee is paid
  • Coverage applies to all above ground components and parts of the heating, pumping and filtration system, including pool sweep motors and timers
Not Covered by HWOA
  • Lights
  • Liners
  • Concrete encased above ground or underground electrical, plumbing or gas lines
  • Structural defects
  • Solar equipment
  • Jets
  • Fuel storage tanks
  • Control panels
  • Control switches
  • Computerized control boards
  • Built in or detachable cleaning equipment
  • Ornamental fountains and other waterfall type equipment
  • Pool cover and related equipment
  • Booster Pump
  • Disposal filtration medium
  • Ionizers and Chlorinators
  • Skimmers
  • Fill line
  • Fill Valves
  • Valve actuator motors
  • Turbo valves
  • Pop-up heads and similar components
Spa
$1,000.00
$138.00
Details
Covered by HWOA
  • Both pool and spa (including exterior hot tub and whirlpool) are covered if they utilize common equipment
  • If they do not utilize common equipment, then only one or the other is covered unless an additional coverage fee is paid
  • Coverage applies to all above ground components and parts of the heating, pumping and filtration system, including pool sweep motors and timers
Not Covered by HWOA
  • Lights
  • Liners
  • Concrete encased above ground or underground electrical, plumbing or gas lines
  • Structural defects
  • Solar equipment
  • Jets
  • Fuel storage tanks
  • Control panels
  • Control switches
  • Computerized control boards
  • Built in or detachable cleaning equipment
  • Ornamental fountains and other waterfall type equipment
  • Pool cover and related equipment
  • Booster Pump
  • Disposal filtration medium
  • Ionizers and Chlorinators
  • Skimmers
  • Fill line
  • Fill Valves
  • Valve actuator motors
  • Turbo valves
  • Pop-up heads and similar components
Well pump
$1,500.00
$78.00
Details
Covered by HWOA
  • All components and parts of well pump utilized for main dwelling only
Not Covered by HWOA
  • Well casings
  • Pressure tanks
  • Pressure switches
  • Hoisting or removal
  • Piping or electrical lines leading to or connecting pressure tank and main dwelling
  • Holding or storage tanks
  • Redrilling of wells
Stand-alone freezer
$1,000.00
$46.00
Details
Covered by HWOA
  • All components and parts, including integral freezer unit
Not Covered by HWOA
  • Racks
  • Shelves
  • Ice crushers
  • Water and ice dispensers and their respective equipment
  • Water lines and valve to ice maker
  • Mini fridges
  • Wine coolers
  • Interior thermal shells
  • Freezers which are not an integral part of the refrigerator
  • Food spoilage
  • Door seals
  • Lighting and handles
  • Units moved out of the kitchen
  • Audio/visual components and internet connection equipment
Septic
$500.00
$46.00
Details
Covered by HWOA
  • Aerobic pump
  • Jet pump
  • Sewage ejector pump
  • Septic tank and line from house to tank
Not Covered by HWOA
  • Tile fields and leach beds
  • Leach lines
  • Lateral lines
  • Insufficient capacity
  • Cleanout
  • Pumping (except if purchased under separate option)
  • Seepage pits
Roof leaks
$500.00
$46.00
Details
Covered by HWOA
  • Leaks in rolled, asphalt shingle, or clay tile roof structures only
Not Covered by HWOA
  • Gutters
  • Drains
  • Leaks involving roof mounted installations
  • Ice dam build-up
  • Deck or balcony roofs
  • Unattached garage roofs
  • Wood and underlayment
  • Counter flashing
  • Leaks resulting from or caused by any one of the following: Missing or broken shingles
  • Acts of God
  • Damages due to persons walking or standing on roof
  • Repairs made by others
  • Failure to perform normal maintenance
Premium Amount
Platinum Combo Plan
90%
$655.00
Silver Combo Plan
85%
$535.00
COVERAGE DETAILS
Air conditioner
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • Ducted electric central air conditioning, ducted electric wall air conditioning, geothermal/water source heat pumps, and waterevaporative coolers - All components and parts except for geothermal/water source heat pumps, all components and parts that are located within the foundation of the home or attached garage. When SEER standard/R-4 10A upgrade is purchased, for units below DTC1-2015 SEER standard and/or R-22 equipment standards and when HWA is unable to facilitate repair and/or replacement of failed covered equipment at the current SEER rating or with R-22 equipment, repair and/or replacement will be performed with SEER standard/R-4 10A equipment and/or 7.7 HSPF or higher compliant
Not Covered by HWOA
  • Gas air conditioning systems
  • Condenser casings
  • Registers and Grills
  • Filters
  • Electronic air cleaners
  • Window units
  • Non-ducted wall units – Water towers
  • Humidifiers
  • Improperly sized units
  • Chillers and chiller components
  • All exterior condensing, cooling and pump pads – Roof mounts, jacks, stands or supports
  • Condensate pumps
  • Commercial grade equipment
  • Outside or underground piping and components for geothermal and/or water source heat pumps
  • Cost for crane rentals
  • Electronic, computerized, and manual system s management and zone controllers
  • Air conditioning with mismatched condensing unit and evaporative coil per manufacturer specifications – Improper use of metering devices (i.e., thermal expansion valves)
Alarm
Expand
Limit
$400.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Any wiring or parts located outside the main confines of the foundation of the home
  • Batteries
  • Video cameras
  • Video monitors
  • Sprinkler alarms and systems
Ceiling fan
Expand
Limit
$400.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • Motors
  • Switches
  • Controls
  • Bearings
  • Blades
Not Covered by HWOA
  • Whole house fans
  • Belts
  • Shutters
  • Filters
  • Lighting
Cooktop exhaust fan
Expand
Limit
$400.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • Motors
  • Switches
  • Controls
  • Bearings
  • Blades
Not Covered by HWOA
  • Whole house fans
  • Belts
  • Shutters
  • Filters
  • Lighting
Dishwasher
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Racks
  • Baskets
  • Rollers
  • Door seals
  • Portable dishwashers
Disposal
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts, including entire unit
Not Covered by HWOA
  • Problems and/or jams caused by bones and foreign objects other than food
Doorbell
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Door bells associated with Intercom Systems. Battery operated door bells
Dryer
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Venting
  • Lint screens
  • Knobs and dials
  • Damage to clothing
  • Door seals
Ductwork
Expand
Limit
$1,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • Duct from heating unit to point of attachment at registers or grills
Not Covered by HWOA
  • Registers and grills
  • Insulation
  • Asbestos-insulated ductwork
  • Flues, vents and breaching
  • Ductwork exposed to outside elements
  • Separation due to settlement and/or lack of support
  • Damper Motors
  • Electronic, computerized, and manual systems management and zone controllers
Electrical
Expand
Limit
$2,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Fixtures
  • Carbon monoxide alarms, detectors or related systems
  • Intercoms and door bell systems associated with Intercoms
  • Inadequate wiring capacity
  • Solar power systems and panels
  • Direct current (D.C.) wiring or components
  • Attic fans
  • Commercial grade equipment
  • Damages due to power failure or surge, or loads greater than the system’s design
  • Circuit overload
  • Solar components
  • Energy management systems
Garage door
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts of the garage door opener
Not Covered by HWOA
  • Garage doors
  • Infra-red sensors
  • Chains
  • Tracks
  • Rollers
  • Hinges and springs
  • Remote receiving/transmitting devices
Heating system
Expand
Limit
$1,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts necessary for the operation of the system (including heat pumps which cool or heat the home)
Not Covered by HWOA
  • Baseboard casings
  • Oil storage tanks
  • Portable units
  • Solar heating systems
  • Fireplaces and key valves
  • Filters
  • Electronic air cleaners
  • Registers
  • Grills
  • Clocks
  • Timers
  • Heat lamps
  • Fuel Storage Tanks
  • Flues and Vents
  • Humidifiers
  • Commercial grade equipment
  • Gas heat pump systems
  • Outside or underground piping and components for geothermal and/or water source heat pumps
  • Systems with mismatched condensing unit and evaporative coil per manufacturer specifications
  • Improper use of metering devices (i.e. thermal expansion valves)
  • Condensate pumps
  • Electronic, computerized, and manual systems management and zone controllers
  • After market inducer fan motors
  • Pellet stoves
  • Cable heat
  • Wood stoves
  • Solar Heating and Components
  • Cost for crane rentals.
Microwave
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Interior linings
  • Door glass
  • Clocks
  • Shelves
  • Portable or counter top units
  • Meat probe assemblies
  • Rotisseries
  • Door seals
  • Lighting and handles
  • Glass
Oven
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Clocks (unless they affect the cooking function of the oven)
  • Meat probe assemblies
  • Rotisseries
  • Racks
  • Handles
  • Knobs
  • Sensi-heat burners will only be replaced with standard burners
  • Door seals
  • Lighting and handles
  • Glass
  • Portable range/oven/cooktop
Plumbing
Expand
Limit
$2,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
  • Toilet tanks, bowls and mechanisms (replaced with builder’s standard as necessary), toilet wax ring seals
  • Instant hot water dispensers
  • Valves for shower, tub, and diverter angle stops, rinses and gate valves
  • Permanently installed interior sump pumps (used for storm water only)
  • Built-in bathtub whirlpool motor and pump assemblies – Pressure Regulators – Recirculating Pumps
  • Stoppages/Clogs, including hydro jetting, in drain and sewer lines up to 125’ from access point
  • Polybutylene piping is covered up to $1,000 in the aggregate during the Coverage Period
  • Main line stoppages are only covered if there is a ground level clean out available
Not Covered by HWOA
  • Stoppages and clogs in drain and sewer lines that cannot be cleared by cable, hydro jetting or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 125’ of access point)
  • Stoppages and clogs that can only be cleared through roof vent
  • Access to drain or sewer lines from vent or removal of water closets and/or toilets
  • Cost to locate, access or install ground level clean out
  • Hose bibs
  • Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
  • Fixtures, cartridges, shower heads and shower arms
  • Bathtubs and showers
  • Shower enclosures and base pans
  • Bath tub drain mechanisms
  • Sinks
  • Toilet lids and seats
  • Cabling or grouting
  • Whirlpool jets
  • Septic tanks
  • Water softeners
  • Inadequate or excessive water pressure
  • Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
  • Sewage ejector pumps
  • Holding or storage tanks
  • Saunas or steam rooms
  • Back up and battery sump pump systems
  • Basket strainers
Plumbing stoppages
Expand
Limit
$2,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • Leaks and breaks of water, drain, gas, waste or vent lines, except if caused by freezing or roots
  • Toilet tanks, bowls and mechanisms (replaced with builder’s standard as necessary), toilet wax ring seals
  • Instant hot water dispensers
  • Valves for shower, tub, and diverter angle stops, rinses and gate valves
  • Permanently installed interior sump pumps (used for storm water only)
  • Built-in bathtub whirlpool motor and pump assemblies – Pressure Regulators – Recirculating Pumps
  • Stoppages/Clogs, including hydro jetting, in drain and sewer lines up to 125’ from access point
  • Polybutylene piping is covered up to $1,000 in the aggregate during the Coverage Period
  • Main line stoppages are only covered if there is a ground level clean out available
Not Covered by HWOA
  • Stoppages and clogs in drain and sewer lines that cannot be cleared by cable, hydro jetting or due to roots, collapsed, broken, or damaged lines outside the confines of the main foundation (even if within 125’ of access point)
  • Stoppages and clogs that can only be cleared through roof vent
  • Access to drain or sewer lines from vent or removal of water closets and/or toilets
  • Cost to locate, access or install ground level clean out
  • Hose bibs
  • Collapse of or damage to water, drain, gas, waste or vent lines caused by freezing, settlement and/or roots
  • Fixtures, cartridges, shower heads and shower arms
  • Bathtubs and showers
  • Shower enclosures and base pans
  • Bath tub drain mechanisms
  • Sinks
  • Toilet lids and seats
  • Cabling or grouting
  • Whirlpool jets
  • Septic tanks
  • Water softeners
  • Inadequate or excessive water pressure
  • Flow restrictions in fresh water lines caused by rust, corrosion or chemical deposits
  • Sewage ejector pumps
  • Holding or storage tanks
  • Saunas or steam rooms
  • Back up and battery sump pump systems
  • Basket strainers
Refrigerator
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts, including integral freezer unit
Not Covered by HWOA
  • Racks
  • Shelves
  • Ice crushers
  • Water and Ice dispensers and their respective equipment
  • Water lines and valve to ice maker– Mini Fridges – Wine Coolers
  • Interior thermal shells
  • Freezers which are not an integral part of the refrigerator
  • Food spoilage
  • Door seals
  • Lighting and handles
  • Units moved out of the kitchen
  • Audio/visual components and internet connection equipment
Refrigerator ice maker
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts, including integral freezer unit
Not Covered by HWOA
  • Racks
  • Shelves
  • Ice crushers
  • Water and Ice dispensers and their respective equipment
  • Water lines and valve to ice maker– Mini Fridges – Wine Coolers
  • Interior thermal shells
  • Freezers which are not an integral part of the refrigerator
  • Food spoilage
  • Door seals
  • Lighting and handles
  • Units moved out of the kitchen
  • Audio/visual components and internet connection equipment
Sump pump
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
No Info
Not Covered by HWOA
No Info
Toilet
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
No Info
Not Covered by HWOA
No Info
Trash compactor
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Lock and key assemblies
  • Removable buckets
  • Door seals
  • Portable Trash Compactor
Vacuum
Expand
Limit
$400.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All mechanical system components and parts
Not Covered by HWOA
  • Duct work
  • Blockages
  • Accessories
Washer
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
  • Plastic mini-tubs
  • Soap dispensers
  • Filter screens
  • Knobs and dials
  • Damage to clothing
  • Door seals
Water dispenser
Expand
Limit
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts
Not Covered by HWOA
No Info
Water heater
Expand
Limit
$1,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HWOA
  • All components and parts, including circulating pumps
Not Covered by HWOA
  • Solar water heaters
  • Solar components
  • Fuel, holding or storage tanks
  • Noise
  • Energy management systems
  • Flues and vents
  • Commercial grade equipment
  • Problems resulting from sediment
  • Units exceeding 75 gallons
  • Drain pans and drain lines
Pool
Expand
Limit
$1,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$138.00
Expand
Covered by HWOA
  • Both pool and spa (including exterior hot tub and whirlpool) are covered if they utilize common equipment
  • If they do not utilize common equipment, then only one or the other is covered unless an additional coverage fee is paid
  • Coverage applies to all above ground components and parts of the heating, pumping and filtration system, including pool sweep motors and timers
Not Covered by HWOA
  • Lights
  • Liners
  • Concrete encased above ground or underground electrical, plumbing or gas lines
  • Structural defects
  • Solar equipment
  • Jets
  • Fuel storage tanks
  • Control panels
  • Control switches
  • Computerized control boards
  • Built in or detachable cleaning equipment
  • Ornamental fountains and other waterfall type equipment
  • Pool cover and related equipment
  • Booster Pump
  • Disposal filtration medium
  • Ionizers and Chlorinators
  • Skimmers
  • Fill line
  • Fill Valves
  • Valve actuator motors
  • Turbo valves
  • Pop-up heads and similar components
Spa
Expand
Limit
$1,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$138.00
Expand
Covered by HWOA
  • Both pool and spa (including exterior hot tub and whirlpool) are covered if they utilize common equipment
  • If they do not utilize common equipment, then only one or the other is covered unless an additional coverage fee is paid
  • Coverage applies to all above ground components and parts of the heating, pumping and filtration system, including pool sweep motors and timers
Not Covered by HWOA
  • Lights
  • Liners
  • Concrete encased above ground or underground electrical, plumbing or gas lines
  • Structural defects
  • Solar equipment
  • Jets
  • Fuel storage tanks
  • Control panels
  • Control switches
  • Computerized control boards
  • Built in or detachable cleaning equipment
  • Ornamental fountains and other waterfall type equipment
  • Pool cover and related equipment
  • Booster Pump
  • Disposal filtration medium
  • Ionizers and Chlorinators
  • Skimmers
  • Fill line
  • Fill Valves
  • Valve actuator motors
  • Turbo valves
  • Pop-up heads and similar components
Well pump
Expand
Limit
$1,500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$78.00
Expand
Covered by HWOA
  • All components and parts of well pump utilized for main dwelling only
Not Covered by HWOA
  • Well casings
  • Pressure tanks
  • Pressure switches
  • Hoisting or removal
  • Piping or electrical lines leading to or connecting pressure tank and main dwelling
  • Holding or storage tanks
  • Redrilling of wells
Stand-alone freezer
Expand
Limit
$1,000.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$46.00
Expand
Covered by HWOA
  • All components and parts, including integral freezer unit
Not Covered by HWOA
  • Racks
  • Shelves
  • Ice crushers
  • Water and ice dispensers and their respective equipment
  • Water lines and valve to ice maker
  • Mini fridges
  • Wine coolers
  • Interior thermal shells
  • Freezers which are not an integral part of the refrigerator
  • Food spoilage
  • Door seals
  • Lighting and handles
  • Units moved out of the kitchen
  • Audio/visual components and internet connection equipment
Septic
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$46.00
Expand
Covered by HWOA
  • Aerobic pump
  • Jet pump
  • Sewage ejector pump
  • Septic tank and line from house to tank
Not Covered by HWOA
  • Tile fields and leach beds
  • Leach lines
  • Lateral lines
  • Insufficient capacity
  • Cleanout
  • Pumping (except if purchased under separate option)
  • Seepage pits
Roof leaks
Expand
Limit
$500.00
Platinum Combo Plan
Silver Combo Plan
Optional Coverage
$46.00
Expand
Covered by HWOA
  • Leaks in rolled, asphalt shingle, or clay tile roof structures only
Not Covered by HWOA
  • Gutters
  • Drains
  • Leaks involving roof mounted installations
  • Ice dam build-up
  • Deck or balcony roofs
  • Unattached garage roofs
  • Wood and underlayment
  • Counter flashing
  • Leaks resulting from or caused by any one of the following: Missing or broken shingles
  • Acts of God
  • Damages due to persons walking or standing on roof
  • Repairs made by others
  • Failure to perform normal maintenance

Although the cost of Home Warranty of America coverage plans is higher than the industry average, the limits are more than twice as high than those of Total Home Protection—$400 to $2000.

Air Conditioning and Heating Systems

HWA covers ducted electric central a/c, ducted electric wall a/c, geothermal/water source heat pumps, evaporative water coolers and all parts and components—except for those of geothermal/water source heat pumps and parts located within the foundation of the house or attached garage. As for the heating system, the HWA home warranty covers all components and parts necessary for the operation of the system, including duct from heating unit to point of attachment at registers or grills. Solar heating systems and their components, fireplaces, and key valves,  as well as outside or underground piping and components for geothermal/water source heat pumps, will not be under this coverage.

There is no coverage for the cost of crane rentals, electronic, computerized, and manual systems management and zone controllers, improper use of metering devices, humidifiers, commercial grade equipment for a/c, as well as heating system.

Electrical System

Home Warranty of America coverage is provided to all components and parts of the electrical system. The company does not service fixtures, carbon monoxide alarms, detectors or related systems, intercoms and doorbell systems associated with intercoms, inadequate wiring capacity, direct current wiring or components, attic fans, damages due to power failure or surge, or loads greater than the system’s design, circuit overload, or energy management systems.

Plumbing System

HWA covers leaks and breaks of water, grain, gas, waste, or vent lines, except if caused by freezing or roots; stoppages/clogs, including hydro jetting, in drain and sewer lines up to 125’ from access point. The limit for covering plumbing system or stoppages is $2,000. Items such as toilet tanks, bowls and mechanisms, toilet wax ring seals, instant hot water dispensers, valves for shower, tub, and diverter angle stops, rinses, gate valves, and permanently installed interior sump pumps are also covered under this warranty. Home Warranty of America provides the cost to locate, access, or install ground level cleanout, inadequate or excessive water pressure, flow restricted in fresh water lines caused by rust, corrosion, or chemical deposits, saunas or steam rooms.

Home Appliances

Home Warranty of America covers all components and parts of kitchen and laundry equipment, excluding belts, shutters, filters, lighting in fans; racks, baskets, rollers, door seals in washers, dishwashers, and dryers; and interior lining, glass, clocks, shelves, handles in microwaves and refrigerators.

Additional Items and Services

In addition to the items and systems listed above, Home Warranty of America plans can be appended with coverage for both pool and spa, well pump, or stand-alone freezer, with limits of $1,000 to $1,500. Septic and roof leaks are limited to $500 for both.

Coverage Rating
3.3 / 5.0
Not available through RHW
Click Here to View Alternatives
The Fine Print
Item
Value
Comparison to Industry
Coverage effective after
Unknown days
n/a
Expand
Unknown data
Cancellation with refund within
30 days
Above industry average
Expand
3
28.00
30
60
Cancellation fee
$30.00
Below industry average
Expand
0.00
47.67
30.00
95.00
Automatic policy renewal
Yes
As 94.6% of industry
Expand
Time to cancel automatic renewal
30 days
Above industry average
Expand
1
29.00
30
60
Fee for contract transfer
$Unknown
n/a
Expand
Unknown data
Max time to submit claim
1 days
At industry minimum
Expand
1
2.60
1
30
Repair timeframe
Unknown business days
n/a
Expand
Unknown data