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Home Warranty of America (HWA) Review: Coverage, Costs & Alternatives

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By Ben Carter

Updated June 19, 2025
Home Warranty of America (HWA) Review: Coverage, Costs & Alternatives
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7.6

Consumers Best Score

Consumers Best Verdict: Home Warranty of America (HWA) Highlights

Home Warranty of America (HWA) is an established provider offering various plans to protect homeowners from the high costs of unexpected appliance and system breakdowns. They cater to a broad audience with customizable options and nationwide availability.

HWA presents a viable option for homeowners seeking peace of mind against repair bills, especially those with older home components. While they offer competitive plan structures and a 24/7 claims process, potential customers should diligently review contract specifics, coverage limits, and service fee details, as is prudent with any home warranty service. Scrutinizing Home Warranty of America reviews from current users can also provide valuable insights.

In-Depth Look

In-Depth Look: Home Warranty of America (HWA) Features & Considerations

Core Features & Consumer Benefits

Home Warranty of America (HWA) aims to simplify home maintenance and protect budgets through several key offerings.

Tiered Plan Options

HWA generally provides multiple plan levels (e.g., Premier, Premier Plus), allowing homeowners to select coverage that aligns with their specific needs and budget for systems and appliances.

Comprehensive Coverage Available

Plans can cover essential home systems like HVAC, electrical, and plumbing, alongside major household appliances such as refrigerators, ovens, and washing machines.

Customizable Add-Ons

Homeowners can often enhance their base plans with optional coverage for items like pools/spas, well pumps, septic systems, or even a premium upgrade package for broader protection.

24/7 Claim Submission

HWA typically allows customers to submit service requests at any time via their online portal or phone, ensuring assistance is available when needed.

Transferable Warranty

If you sell your home, an HWA policy can often be transferred to the new owner, potentially increasing your home's marketability.

Important Considerations & Potential Downsides

- Service Call Fees

Each claim incurs a trade service call fee, which can vary. It's crucial to understand this fee before purchasing a plan.

- Coverage Limitations & Exclusions

All home warranties, including HWA, have specific limitations on repair/replacement costs and exclude certain pre-existing conditions or types of damage. Thoroughly reading the contract terms is essential.

- Contractor Network

HWA utilizes its network of approved service technicians. While this streamlines the process, you may not have the option to choose your own preferred contractor.

- Customer Service Experiences

As with many home warranty providers, customer experiences can vary. Checking recent Home Warranty of America reviews can offer a broader perspective on service quality and claim resolution.

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Who Is the Home Warranty of America (HWA) Best For?

Owners of older homes with aging systems and appliances that are more susceptible to breakdowns.

First-time homebuyers seeking to manage unpredictable repair expenses during their initial years of homeownership.

Landlords and real estate investors looking for predictable maintenance costs across multiple properties.

Home sellers wishing to offer an attractive incentive and peace of mind to potential buyers.

Individuals who value the convenience of a single point of contact for arranging covered repairs and prefer not to source technicians themselves.

Who Might Want to Explore Other Options?

- Homeowners with brand new homes where major systems and appliances are still covered by robust manufacturer or builder warranties.

- DIY-savvy individuals who are comfortable and proficient in handling most home repairs on their own.

- Those who have a strong preference for selecting their own service contractors for all repair work.

- Consumers with a substantial emergency fund specifically set aside for home repairs, who may feel a warranty's cost outweighs its benefits for their situation.

Frequently Asked Questions

The cost of a Home Warranty of America plan depends on the chosen coverage level, any optional add-ons selected, your home's location, and its size. Premiums are typically paid monthly or annually, with an additional service call fee (deductible) due for each service request. For precise pricing, it's best to get a custom quote directly from HWA.

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Home Warranty of America Reviews | Is HWA a Good Choice? | Consumers Best