Home Warranty of America Review

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 is $100 per request. Multiple independent 2025 reviews confirm these ranges, including Forbes Home, U.S. News 360 Reviews, and MarketWatch Guides. You may need a home warranty if you’re 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.

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‑month buyer/seller coverage in real estate transactions. Independent sources place typical HWA costs around $45–$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 (U.S. News; Forbes Home; ConsumerAffairs). Always review your state’s sample contract for coverage caps, exclusions, and add‑on pricing; state regulators and the NAIC stress reading these terms carefully.

Home Warranty of America Overview

• Plan types: Premier and Premier Plus (buyer/seller real estate versions typically run 13 months, which is longer than many competitors’ 12-month terms; see HWA Real Estate plans and U.S. News)
• Pricing: Most 2025 quotes land in the mid-$40s to low-$60s per month for core plans; annualized totals commonly fall roughly $525–$720 depending on plan/ZIP (Forbes Home; U.S. News; MarketWatch Guides)
• Service fees: $100 per service request/visit across most plans and states (Forbes Home; U.S. News; ConsumerAffairs)
• Workmanship guarantee: 90 days
• Contract length: 12 months for homeowner plans; 13 months in many real-estate transactions (HWA Real Estate)
• Home inspection required: No
• States served: 49 (not available in California; availability and terms vary by state—see U.S. News and Forbes Advisor)
• Available appliance and system coverage
  • Heating systems
  • Washers and dryers
  • Refrigerators
  • Air conditioners
  • Plumbing systems
  • Garage door systems
  • Ductwork
  • Dishwashers

Home Warranty of America Plans

Premier

Price: Most homeowner quotes in 2025 fall roughly $45–$60 per month depending on ZIP, home type/size, and any add-ons; exact pricing is quote-based (Forbes Home; U.S. News).

Coverage: 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‑existing conditions, improper installation, code/permit upgrades) as highlighted by the NAIC and Consumer Reports.

Premier Plus

Price: Typically above Premier, with many quotes still within the mid‑$40s to low‑$60s monthly band depending on state and options; final pricing is quote‑based (MarketWatch Guides; U.S. News).

Coverage: Premier Plus expands to more systems (often including air conditioning and selected plumbing fixtures) and broader appliance coverage, with optional add‑ons 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’s transitions rule (EPA; example upgrade package: Cinch Premier Upgrade). Review your state contract for specific limits and exclusions.

Who is Home Warranty of America best for?

HWA suits homeowners who want predictable repair costs, broad systems-and-appliances coverage, and access to 13‑month buyer/seller plans in real estate transactions. Expect most quotes to cluster around $45–$60 per month with a $100 service fee due per visit (U.S. News; Forbes Home). Availability spans 49 states (not California), and contracts typically include a $30 cancellation fee after the initial review period with prorated refunds thereafter (U.S. News). Remember that coverage caps and exclusions vary by state; regulators advise reviewing state-specific terms carefully (NAIC). For auto‑renewing plans purchased online, recent federal rules require clear disclosures and “click‑to‑cancel” simplicity, improving consumer protections in 2025 (FTC Negative Option Rule).

Pros

• Quote ranges align with mainstream 2025 market pricing (about $40–$70+/mo industry-wide), with HWA commonly around $45–$60/mo and a $100 service fee (Forbes Advisor; U.S. News).
• 13‑month buyer/seller options in the real‑estate channel can provide extended coverage versus typical 12‑month terms (HWA Real Estate).
• No home inspection required for purchase; availability in 49 states (not California) per recent reviews (Forbes Advisor).

Cons

• Not available in California (verify availability by ZIP; see U.S. News).
• $100 service fee applies per visit/claim in most states; multiple trades/visits can mean multiple fees (ConsumerAffairs).
• Coverage caps, exclusions, and add‑on pricing are state‑specific; read the contract carefully for limits, refrigerant/codes exclusions, and cancellation terms (NAIC; EPA refrigerant transitions).

HWA vs. The Competition

Comparison notes reflect 2025 sources and market norms; availability, fees, and coverage vary by state and plan. See U.S. News 360 Reviews, industry ranges from Forbes Advisor, and provider materials such as First American plan details. When weighing “Reviews rating,” prioritize recent, verified feedback and platform transparency per BrightLocal and PowerReviews.

Home Warranty of America compared to First American Home Warranty

Compared to First American Home Warranty, HWA’s standard service call fee is commonly $100 per request (U.S. News), while First American frequently lists a service call fee around $85 depending on plan and state (FAHW). HWA also differentiates with 13‑month buyer/seller plans in the real‑estate channel (HWA Real Estate); most homeowner plans from both brands run 12 months, with pricing for either provider varying by ZIP, plan tier, and add‑ons within the industry’s ~${40}–$70+ monthly range (Forbes Advisor).

Home Warranty of America Compared to Choice Home Warranty

HWA and Choice Home Warranty both quote ZIP‑specific pricing with plan tiers that bundle systems and appliances. HWA’s fee is commonly $100 per service request (U.S. News), while Choice’s fees and add‑ons 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–$70+ per month market band in 2025 (Forbes Advisor).

The Bottom Line

Home Warranty of America delivers mainstream 2025 pricing (about $45–$60/mo for many quotes) with a standard $100 service fee and broad systems/appliances coverage. Availability is 49 states (not California), and real‑estate plans often run 13 months. Contracts frequently include a $30 cancellation fee after the review period with prorated refunds (U.S. News). Given state-by-state variability, read the state contract for caps, exclusions, and any add‑on costs (NAIC). New federal rules require clearer subscription disclosures and simpler online cancellation, raising consumer protections in 2025 (FTC). Before you buy, compare current quotes, service fees, and plan caps across providers to find the best home warranty company for your situation.

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