Home Warranty of America Reviews
Nationwide coverage with up to $5,000 on most approved repairs and 13-month contracts
Last updated: Oct 12, 2026
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The bottom line
Home Warranty of America offers a useful combination: nationwide availability, a reported $5,000 limit on most approved repairs and simple plans at a mid-range price. It ranks fifth because of its short workmanship guarantee and weak scores on some review sites.
Read the limits section - especially for plumbing and electrical - and confirm pricing for your address.
Home Warranty of America (HWA) has operated since 1996 and was acquired by Choice Home Warranty in 2022, though it still sells its own plans. For homeowners it offers Premier (which excludes air conditioning) and Premier Plus (which covers all major systems and appliances including AC); real estate plans are sold through agents.
This review covers HWA's plans, cost, limits and who it suits.
Is Home Warranty of America legit?
Yes - Home Warranty of America has operated since 1996 and has been owned by Choice Home Warranty since 2022, while still running as its own brand. It sells nationwide, but customer reviews on some sites are poor, so read the contract's caps and its short workmanship guarantee before you buy.
- In business since 1996
- Available in all 50 states
- 13-month contracts
- Rated 4.0/5 across 3,365 Trustpilot reviews
“Legitimate” here means a real, operating home warranty company - not a guarantee that any claim will be approved. Coverage depends on your contract. Always confirm current terms and availability with the company.
Key Features
- Premier and Premier Plus consumer plans
- Up to $5,000 on most approved repairs (lower limits on some items)
- 13-month contracts
- Available in all 50 states
- 24/7 online and phone claims
- 30-day workmanship guarantee
Plans & Coverage
- Premier - systems and appliances without air conditioning
- Premier Plus - all major systems and appliances including AC
- Real estate plans (Gold, Platinum, Diamond) through agents
- Add-ons - limited roof leak repair, pool/spa and more
Pricing
Premier
Sample quoteMajor systems and appliances, excluding air conditioning
- No AC coverage
Premier Plus
Sample quoteAll major systems and appliances including AC
- Includes AC
- Up to $5,000 most repairs
Approximate only. A ConsumerAffairs sample quote (Texas, $100 service fee) put Premier at about $550 a year (~$48/mo) and Premier Plus at about $700 a year (~$61/mo).
Reported cancellation terms allow a full refund within 30 days and a prorated refund after that, minus the lesser of $30 or 10%. Get a quote for your address.
How Home Warranty of America Works
- 1Step 1
Choose Premier or Premier Plus
Pick Premier Plus if you want air conditioning covered.
- 2Step 2
Coverage starts
Check your contract for the waiting period that applies to your plan.
- 3Step 3
File a claim 24/7
File online or by phone; HWA assigns a technician from its network.
Pros
- Available in every state
- Higher repair limit than many budget brands
- 13-month contract gives an extra month
- Simple two-plan consumer lineup
Cons
- Short 30-day workmanship guarantee
- Poor ratings on some review sites (e.g. ConsumerAffairs)
- Lower limits on rust- and corrosion-related plumbing and electrical repairs
- Waiting-period details vary by source - confirm in your contract
Interested in Home Warranty of America?
Visit their site to see plans and pricing for your address.
Visit Home Warranty of AmericaWho It's Best For
- Homeowners in states other brands don't serve
- Buyers who want a higher repair limit at a mid-range price
- Anyone who wants a simple two-plan choice
Final Verdict
Home Warranty of America offers a useful combination: nationwide availability, a reported $5,000 limit on most approved repairs and simple plans at a mid-range price. It ranks fifth because of its short workmanship guarantee and weak scores on some review sites.
Read the limits section - especially for plumbing and electrical - and confirm pricing for your address.
Home Warranty of America Review: FAQs
Is Home Warranty of America legit?
Yes - Home Warranty of America has operated since 1996 and has been owned by Choice Home Warranty since 2022, while still running as its own brand. It sells nationwide, but customer reviews on some sites are poor, so read the contract's caps and its short workmanship guarantee before you buy.
How much does Home Warranty of America cost?
Approximate only. A ConsumerAffairs sample quote (Texas, $100 service fee) put Premier at about $550 a year (~$48/mo) and Premier Plus at about $700 a year (~$61/mo). Reported cancellation terms allow a full refund within 30 days and a prorated refund after that, minus the lesser of $30 or 10%. Get a quote for your address.
What plans does Home Warranty of America offer?
Home Warranty of America offers Premier - systems and appliances without air conditioning, Premier Plus - all major systems and appliances including AC, Real estate plans (Gold, Platinum, Diamond) through agents, Add-ons - limited roof leak repair, pool/spa and more.
Who is Home Warranty of America best for?
Home Warranty of America is best for Homeowners in states other brands don't serve; Buyers who want a higher repair limit at a mid-range price; Anyone who wants a simple two-plan choice.
Is Home Warranty of America worth it?
Home Warranty of America offers a useful combination: nationwide availability, a reported $5,000 limit on most approved repairs and simple plans at a mid-range price. It ranks fifth because of its short workmanship guarantee and weak scores on some review sites. Read the limits section - especially for plumbing and electrical - and confirm pricing for your address.
Who owns Home Warranty of America?
Choice Home Warranty acquired Home Warranty of America in 2022. HWA continues to operate under its own brand and plans.
Can I cancel an HWA plan?
Reported terms allow a full refund within 30 days, and after that a prorated refund minus a small fee (the lesser of $30 or 10%). Terms vary by state, so check your contract.
Related
Sources & methodology
We built this review of Home Warranty of America from the provider's own published pricing, plans and sample contracts, cross-checked against regulator and public-record sources, and read alongside real customer feedback. Prices and plan details were verified against the provider's published information; we do not take providers' word for their own claims without checking.
Provider information
Pricing, plans, caps and contract terms, checked against each provider's own site.
- Home Warranty of America - pricing, plans & policies as published on its own site
Provider data checked October 2026
Customer & community feedback
Third-party signals shown on this page and in our full reviews: Trustpilot ratings and Better Business Bureau records, as captured on the dates we note. We report what these sources say - we never fold their ratings into our own scores.
Regulatory & public-record references
- 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
- 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
- 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
- 4.American Home Shield plans - American Home Shield
- 5.Choice Home Warranty user agreement - Choice Home Warranty
- 6.Select Home Warranty terms and conditions - Select Home Warranty
- 7.The Home Service Club pricing and plans - The Home Service Club
Last reviewed October 2026. We revisit comparisons when providers change their pricing or policies. This page is information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.