Overview

Founded in 1996, Home Warranty of America (HWA) has offered coverage for major home systems and appliances to homeowners throughout the U.S. for over two decades. Additionally, HWA provides home warranty plans specifically for real estate agents. As a longstanding member of the National Home Service Contract Association, HWA has maintained its commitment to quality service. In 2012, Direct Energy acquired HWA, but the company continues to operate under the HWA brand, delivering reliable home warranties.

Warranty Plans

Coverage Limits and Exclusions

Standard coverage includes breaks and leaks in, water, drain, vent, gas, and waste lines, excluding those caused by roots or freezing. It also covers costs for stoppages or clogs in drain or sewer lines up to 125 feet from the access point. However, standard or optional coverage is not available for whole house fans, attic fans, carbon monoxide alarms, humidifiers, or solar heating systems.

Additionally, consumers can select from several optional coverage packages for pools, spas, well pumps, stand-alone freezers, second refrigerators, septic systems, and septic tank pumping. The optional Orange Plus upgrade extends coverage to include water softeners, increases some plan aggregate limits, and provides rekeying services.

HWA plans exclude coverage for pre-existing conditions and require items to meet specific conditions before they can be covered. Although the company does not mandate a home inspection, it may ask for proof of a previous inspection. Additionally, HWA stipulates that repairs must be carried out by a provider within their network.

Here are the payout maximums you can expect from Home Warranty of America (HWA), which vary depending on the type of system or appliance:

• Per system: $5,000

• Aggregate per year: $15,000

• Appliances: $400

• Alarm Systems: $400

• Electrical Systems: $1,200 – $2,000

• Heating systems: $1,500

• Water heaters: $1,000

• Ductwork: $1,000

HWA plans do not cover damage resulting from anything other than normal wear and tear, including:

• Electrical surge or failure

• Maintenance failures

• Mold or mildew

• Soil movement

• Pests

• Fire, storm, freezing, and other natural disasters

• Water damage

• Intentional damage and theft

According to its coverage terms, HWA excludes the following items from coverage:

• Management systems

• Excluded repairs

• Hazardous substances

• Non-essential components

• Building and zoning code violations

Pricing

Home Warranty of America will ask a flat-rate service request fee. The company provides monthly plans and 13-month plans starting at varying rates, determined by the size of your home and any additional options you select.

The Premier plan begins at $46.04 per month, accompanied by a $100 trade call fee, while the Premier Plus plan starts at $59.92 per month with the same trade call fee. Customers have the option to reduce their trade call fee to $75 by slightly increasing their monthly premiums. Pricing is influenced by state regulations, home type, and square footage. All plans come with a 30-day money-back guarantee and are transferable if you relocate.

Like all home warranty plans, you are required to pay a trade service fee before or upon the technician’s arrival. This fee starts at $75, and the terms are outlined in your contract. Additionally, Home Warranty of America imposes a 30-day waiting period before new contract holders can submit a claim.

How to File a Claim?

Home Warranty of America accepts claims online or via telephone every day of the year, around the clock. It is essential to inform HWA promptly upon discovering a problem, providing your contract number, the full street address of the covered property, and details such as the make or model of the affected item.

In certain situations, Home Warranty of America may require a copy of any mechanical or visual test conducted previously by a licensed home inspector or contractor. HWA will verify eligibility and approve your claim accordingly. Following this, you will be required to pay the trade call fee, which is a predetermined amount specified in your initial coverage letter.

Home Warranty of America will select an authorized repair technician to handle your case. In many instances, HWA can schedule your appointment during the initial call. If scheduling isn’t feasible at that time, the service provider will contact you directly to arrange an appointment.

HWA dispatches a technician to your case within 48 hours upon receiving your request during standard business hours, typically from 8 a.m. to 5 p.m., Monday through Friday. Requests received outside of these hours may result in additional fees. If an appointment slot is unavailable at the time of your claim, a technician will contact you within 24 hours to arrange a convenient appointment time.

Bottom Line

Home Warranty of America stands out as a top-rated provider of home warranties, offering extensive coverage for household items and systems. Known for competitive pricing and availability nationwide, HWA provides homeowners with a robust solution to safeguard their valuable assets. It’s important for homeowners to note the exclusions and limits that apply to specific items covered under their plans.

For individuals who prefer to choose their own technician for repairs, Home Warranty of America may not be the ideal choice. However, considering personal needs and preferences is crucial when selecting a home warranty provider. HWA’s extensive coverage options and nationwide availability still position it as a compelling choice for those seeking dependable home warranty services.