{"id":348966,"date":"2025-11-11T08:48:38","date_gmt":"2025-11-11T13:48:38","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=348966"},"modified":"2025-11-11T08:48:38","modified_gmt":"2025-11-11T13:48:38","slug":"home-warranty-of-america-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/home-warranty\/home-warranty-of-america-review\/","title":{"rendered":"Home Warranty of America Review"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.hwahomewarranty.com\/homeowners\">Home Warranty of America<\/a> sells service-contract (home warranty) plans that help pay to repair or replace covered appliances and home systems due to normal wear and tear. Typical premiums in 2025 fall in the mid-$40s to low-$60s per month depending on plan, home type, and ZIP code, and the standard service call (trade call) fee is $100 per request. Multiple independent 2025 reviews confirm these ranges, including <a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-of-america-review\/\">Forbes Home<\/a>, <a href=\"https:\/\/www.usnews.com\">U.S. News 360 Reviews<\/a>, and <a href=\"https:\/\/www.marketwatch.com\/guides\/home-warranty\/home-warranty-of-america\/\">MarketWatch Guides<\/a>. <a href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/do-i-need-a-home-warranty\/\">You may need a home warranty<\/a> if you\u2019re buying, selling, or own a house and want budget protection for unexpected breakdowns; in most states HWA quotes are ZIP-specific and plan details vary by state.<\/p>\n\n\n\n<p>In this Home Warranty of America review we detail current pricing, fees, availability, and coverage for common items such as HVAC, refrigerators, washers\/dryers, plumbing, and garage door systems, plus optional add-ons (e.g., pool\/spa, septic) available in many states. HWA markets two homeowner tiers (Premier and Premier Plus) and emphasizes 13\u2011month buyer\/seller coverage in real estate transactions. Independent sources place typical HWA costs around $45\u2013$60 per month with a $100 service fee per visit, and many contracts include a $30 administrative cancellation fee after the initial review period with prorated refunds thereafter (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-of-america-review\/\">Forbes Home<\/a>; <a href=\"https:\/\/www.consumeraffairs.com\/homeowners\/home-warranty-of-america.html\">ConsumerAffairs<\/a>). Always review your state\u2019s sample contract for coverage caps, exclusions, and add\u2011on pricing; state regulators and the <a href=\"https:\/\/content.naic.org\">NAIC<\/a> stress reading these terms carefully.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Home Warranty of America Overview<\/strong><\/h2>\n\n\n\n<ul><li>Plan types: Premier and Premier Plus (buyer\/seller real estate versions typically run 13 months, which is longer than many competitors\u2019 12-month terms; see <a href=\"https:\/\/www.hwahomewarranty.com\/real-estate\">HWA Real Estate plans<\/a> and <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>)<\/li><li>Pricing: Most 2025 quotes land in the mid-$40s to low-$60s per month for core plans; annualized totals commonly fall roughly $525\u2013$720 depending on plan\/ZIP (<a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-of-america-review\/\">Forbes Home<\/a>; <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.marketwatch.com\/guides\/home-warranty\/home-warranty-of-america\/\">MarketWatch Guides<\/a>)<\/li><li>Service fees: $100 per service request\/visit across most plans and states (<a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-of-america-review\/\">Forbes Home<\/a>; <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.consumeraffairs.com\/homeowners\/home-warranty-of-america.html\">ConsumerAffairs<\/a>)<\/li><li>Workmanship guarantee: 90 days<\/li><li>Contract length: 12 months for homeowner plans; 13 months in many real-estate transactions (<a href=\"https:\/\/www.hwahomewarranty.com\/real-estate\">HWA Real Estate<\/a>)<\/li><li>Home inspection required: No<\/li><li>States served: 49 (not available in California; availability and terms vary by state\u2014see <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>)<\/li><li>Available appliance and system coverage<ul><li>Heating systems<\/li><li>Washers and dryers<\/li><li>Refrigerators<\/li><li>Air conditioners<\/li><li>Plumbing systems<\/li><li>Garage door systems<\/li><li>Ductwork<\/li><li>Dishwashers<\/li><\/ul><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"plans\" title=\"Plans\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Home Warranty of America Plans<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Premier<\/strong><\/h3>\n\n\n\n<p><strong>Price<\/strong>: Most homeowner quotes in 2025 fall roughly $45\u2013$60 per month depending on ZIP, home type\/size, and any add-ons; exact pricing is quote-based (<a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-of-america-review\/\">Forbes Home<\/a>; <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>).<\/p>\n\n\n\n<p><strong>Coverage<\/strong>: The Premier plan generally covers many core appliances and select systems; service calls are typically $100 per visit, and coverage caps\/exclusions vary by state contract. Review your state sample contract for limits and standard exclusions (e.g., pre\u2011existing conditions, improper installation, code\/permit upgrades) as highlighted by the <a href=\"https:\/\/content.naic.org\">NAIC<\/a> and <a href=\"https:\/\/www.consumerreports.org\">Consumer Reports<\/a>.<\/p>\n\n\n<div id=\"block_5eea560505853\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Systems Covered<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <ul>\n<li>Heating systems (subject to contract limits and state-specific terms)<\/li>\n<li>Plumbing systems<\/li>\n<li>Ductwork<\/li>\n<li>Garage doors and openers<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5eea561b05854\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Appliances Covered<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <ul>\n<li>Refrigerators<\/li>\n<li>Dishwashers<\/li>\n<li>Washers and dryers<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Premier Plus<\/strong><\/h3>\n\n\n\n<p><strong>Price<\/strong>: Typically above Premier, with many quotes still within the mid\u2011$40s to low\u2011$60s monthly band depending on state and options; final pricing is quote\u2011based (<a href=\"https:\/\/www.marketwatch.com\/guides\/home-warranty\/home-warranty-of-america\/\">MarketWatch Guides<\/a>; <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>).<\/p>\n\n\n\n<p><strong>Coverage<\/strong>: Premier Plus expands to more systems (often including air conditioning and selected plumbing fixtures) and broader appliance coverage, with optional add\u2011ons such as pool\/spa or septic in many states. Note that code\/permit upgrades and certain refrigerant-related costs are commonly excluded in base contracts; some providers sell upgrade packages to offset such costs, and 2025 HVAC equipment may require newer A2L refrigerants per the EPA\u2019s transitions rule (<a href=\"https:\/\/www.epa.gov\/climate-hfcs-reduction\/technology-transitions\">EPA<\/a>; example upgrade package: <a href=\"https:\/\/www.cinchhomeservices.com\">Cinch Premier Upgrade<\/a>). Review your state contract for specific limits and exclusions.<\/p>\n\n\n<div id=\"block_5eea563b05855\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Systems Covered<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <ul>\n<li>Heating systems<\/li>\n<li>Plumbing systems and select fixtures<\/li>\n<li>Ductwork<\/li>\n<li>Garage doors and openers<\/li>\n<li>Air conditioners (state-specific terms and limits apply)<\/li>\n<li>Plumbing fixtures (where included)\n<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5eea564c05856\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Appliances Covered<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <ul>\n<li>Refrigerators<\/li>\n<li>Washers and dryers<\/li>\n<li>Dishwashers<\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who is Home Warranty of America best for?<\/strong><\/h2>\n\n\n\n<p>HWA suits homeowners who want predictable repair costs, broad systems-and-appliances coverage, and access to 13\u2011month buyer\/seller plans in real estate transactions. Expect most quotes to cluster around $45\u2013$60 per month with a $100 service fee due per visit (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>; <a href=\"https:\/\/www.forbes.com\/home-improvement\/home-warranty\/home-warranty-of-america-review\/\">Forbes Home<\/a>). Availability spans 49 states (not California), and contracts typically include a $30 cancellation fee after the initial review period with prorated refunds thereafter (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>). Remember that coverage caps and exclusions vary by state; regulators advise reviewing state-specific terms carefully (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>). For auto\u2011renewing plans purchased online, recent federal rules require clear disclosures and \u201cclick\u2011to\u2011cancel\u201d simplicity, improving consumer protections in 2025 (<a href=\"https:\/\/www.ftc.gov\">FTC Negative Option Rule<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pros<\/strong><\/h3>\n\n\n\n<ul><li>Quote ranges align with mainstream 2025 market pricing (about $40\u2013$70+\/mo industry-wide), with HWA commonly around $45\u2013$60\/mo and a $100 service fee (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>; <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>).<\/li><li>13\u2011month buyer\/seller options in the real\u2011estate channel can provide extended coverage versus typical 12\u2011month terms (<a href=\"https:\/\/www.hwahomewarranty.com\/real-estate\">HWA Real Estate<\/a>).<\/li><li>No home inspection required for purchase; availability in 49 states (not California) per recent reviews (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>).<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cons<\/strong><\/h3>\n\n\n\n<ul><li>Not available in California (verify availability by ZIP; see <a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>).<\/li><li>$100 service fee applies per visit\/claim in most states; multiple trades\/visits can mean multiple fees (<a href=\"https:\/\/www.consumeraffairs.com\/homeowners\/home-warranty-of-america.html\">ConsumerAffairs<\/a>).<\/li><li>Coverage caps, exclusions, and add\u2011on pricing are state\u2011specific; read the contract carefully for limits, refrigerant\/codes exclusions, and cancellation terms (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>; <a href=\"https:\/\/www.epa.gov\/climate-hfcs-reduction\/technology-transitions\">EPA refrigerant transitions<\/a>).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>HWA vs. The Competition<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>&nbsp;<\/td><td><a rel=\"noreferrer noopener\" aria-label=\"Home Warranty of America (opens in a new tab)\" class=\"achor-toggles\" href=\"https:\/\/www.hwahomewarranty.com\/?rvitemid=346029-20\" target=\"_blank\">Home Warranty of America<\/a><\/td><td><strong>First American Home Warranty<\/strong><\/td><td><a rel=\"noreferrer noopener\" aria-label=\"Choice Home Warranty (opens in a new tab)\" class=\"achor-toggles\" href=\"https:\/\/www.chwprice.com\/a\/a69\/index.php?utm_source=rvwcfm&amp;utm_campaign=313199-20\" target=\"_blank\">Choice Home Warranty<\/a><\/td><td><a rel=\"noreferrer noopener\" aria-label=\"Complete Protection (opens in a new tab)\" class=\"achor-toggles\" href=\"https:\/\/www.completehomewarranty.com\/?rvitemid=316059-20\" target=\"_blank\">Complete Protection<\/a><\/td><\/tr><tr><td>States served<\/td><td>49 (not CA)<\/td><td>Most states (availability varies)<\/td><td>Most states (availability varies)<\/td><td>Availability varies<\/td><\/tr><tr><td>Reviews rating<\/td><td>See recent platform reviews; recency\/volume matter<\/td><td>See recent platform reviews; recency\/volume matter<\/td><td>See recent platform reviews; recency\/volume matter<\/td><td>See recent platform reviews; recency\/volume matter<\/td><\/tr><tr><td>Service fee<\/td><td>$100 per request<\/td><td>~$85 (varies by plan\/state)<\/td><td>Varies by plan\/state<\/td><td>Varies by plan\/state<\/td><\/tr><tr><td>Workmanship guarantee<\/td><td>90 days<\/td><td>30 days<\/td><td>90 days<\/td><td>Lifetime of contract<\/td><\/tr><tr><td>Customizable<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td>Other<\/td><td>13\u2011month buyer\/seller plans; pricing in mainstream 2025 range<\/td><td>12\u2011month terms; service fee often around $85<\/td><td>ZIP\u2011based pricing; options vary by state<\/td><td>Verify fees, caps, and add\u2011ons with provider<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Comparison notes reflect 2025 sources and market norms; availability, fees, and coverage vary by state and plan. See <a href=\"https:\/\/www.usnews.com\">U.S. News 360 Reviews<\/a>, industry ranges from <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, and provider materials such as <a href=\"https:\/\/www.firstam.com\">First American plan details<\/a>. When weighing \u201cReviews rating,\u201d prioritize recent, verified feedback and platform transparency per <a href=\"https:\/\/www.brightlocal.com\/research\/local-consumer-review-survey\/\">BrightLocal<\/a> and <a href=\"https:\/\/www.powerreviews.com\">PowerReviews<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Home Warranty of America compared to First American Home Warranty<\/strong><\/h3>\n\n\n\n<p>Compared to <a href=\"https:\/\/www.firstam.com\">First American Home Warranty<\/a>, HWA\u2019s standard service call fee is commonly $100 per request (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>), while First American frequently lists a service call fee around $85 depending on plan and state (<a href=\"https:\/\/www.firstam.com\">FAHW<\/a>). HWA also differentiates with 13\u2011month buyer\/seller plans in the real\u2011estate channel (<a href=\"https:\/\/www.hwahomewarranty.com\/real-estate\">HWA Real Estate<\/a>); most homeowner plans from both brands run 12 months, with pricing for either provider varying by ZIP, plan tier, and add\u2011ons within the industry\u2019s ~${40}\u2013$70+ monthly range (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Home Warranty of America Compared to Choice Home Warranty<\/strong><\/h3>\n\n\n\n<p>HWA and <a href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/choice-review\/\" rel=\"nofollow\" class=\"achor-toggles\">Choice Home Warranty<\/a> both quote ZIP\u2011specific pricing with plan tiers that bundle systems and appliances. HWA\u2019s fee is commonly $100 per service request (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>), while Choice\u2019s fees and add\u2011ons vary by location. For either brand, compare state contracts for coverage caps, refrigerant\/code limitations, and cancellation terms; most national home warranty plans price within the broader ~$40\u2013$70+ per month market band in 2025 (<a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom-line\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>The Bottom Line<\/strong><\/h2>\n\n\n\n<p>Home Warranty of America delivers mainstream 2025 pricing (about $45\u2013$60\/mo for many quotes) with a standard $100 service fee and broad systems\/appliances coverage. Availability is 49 states (not California), and real\u2011estate plans often run 13 months. Contracts frequently include a $30 cancellation fee after the review period with prorated refunds (<a href=\"https:\/\/www.usnews.com\">U.S. News<\/a>). Given state-by-state variability, read the state contract for caps, exclusions, and any add\u2011on costs (<a href=\"https:\/\/content.naic.org\">NAIC<\/a>). New federal rules require clearer subscription disclosures and simpler online cancellation, raising consumer protections in 2025 (<a href=\"https:\/\/www.ftc.gov\">FTC<\/a>). Before you buy, compare current quotes, service fees, and plan caps across providers to find the <a href=\"https:\/\/www.reviews.com\/insurance\/home-warranty\/best\/\">best home warranty company<\/a> for your situation.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home Warranty of America sells service-contract (home warranty) plans that help pay to repair or replace covered appliances and home systems due to normal wear and tear. Typical premiums in 2025 fall in the mid-$40s to low-$60s per month depending on plan, home type, and ZIP code, and the standard service call (trade call) fee [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":348996,"parent":1764,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1269,1263],"tags":[],"post_author":[17490],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home Warranty of America Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Home Warranty of America offers home warranty coverage plans that cover the cost of replacements and repairs for household appliances and home systems.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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