A good home warranty can be crucial for a new home, especially if you are not very handy and rely on engineering friends to help you fix your broken systems and appliances. And even if you are handy, repair costs for heating and cooling systems, as well as bulkier appliances like refrigerators and dishwashers can quickly add up when making repairs.
As such, it prudent to prepare for the inevitable disrepair of these systems. There are plenty of home warranty companies in the USA that fill these needs, but in the review we will be taking a look at HWA home warranty. We analyze both the strong services points and its weakness to help you decide if the yearly contract is worth it.
What is a Home Warranty and How Does it Work?
If you do not know what a home warranty is, then you should not feel bad. The concept may be new to you, especially if you are moving into your first house after renting property frequently. While most rental agreements place the burden of maintaining appliances and systems on the landlord, the responsibility falls on you when you when you own the property. As such, home warranties are contracts made with companies that help cover repairs on appliances and systems that break down.
So how is home warranty different from home insurance? While home insurance is helpful against unexpected external threats, like fires, flash floods, and burglaries, it does not protect your appliances and systems from everyday wear and tear. As such, if your dishwasher breaks down, then it will be your responsibility to repair it.
That is where HWA home warranty comes into the picture. The founders of HWA started their company in 1996 out of Illinois, and it has fast become one of the largest home warranty companies in the USA. But besides its size, what sets Home Warranty of America apart from its competition? And are home warranty policies the real deal? Or are they a giant ripoff? If you are interested, then read on the find out.
What Makes Home Warranty of America’s Warranty Unique?
One of the best features Home Warranty of America offers the lack of an age restriction the company has on appliances or systems. Many home warranty companies will make you provide maintenance records so they can determine how old the device or method is. If it is too early, then they may refuse your coverage. Home Warranty of America will not ignore you coverage no matter how old your device is.
Home warranty also provides fairly generous limits, like five thousand dollar limits for covered items, and fifteen thousand for each thirteen-month term. Home Warranty of America also offers online tools for real estate agents. Features like a functional mobile application, HWA warranty website buttons, clientele contact programs allow for easy convenience during the buying or selling process. Home Warranty of America also offers a lot of useful blog posts on their website with tips on home maintenance, projects, and do-it-yourself repairs. HWA home warranty also recently won Top Rated Company and Best in Service and the Annual Home Warranty Awards.
How Much Does Home Warranty of America’s Warranty Usually Cost?
For regular homeowners, there are two different types of coverage plans you can get from HWA warranty: the premier plan and the premier plus plan. In addition to these two plans, you can also purchase a variety of add-on coverage for specific devices. It is also important to note that you can choose between a slightly higher monthly rate and lower service call charge, or a lower monthly rate and higher service call charge.
It is also important to note that these prices may fluctuate depending on where you live within the United States. The regular premier plan costs $37.69 with a one hundred dollar service charges or $41.15 with a seventy-five dollar service charges. This plan covers all of the following areas and issues:
The premier plus plan costs $50.38 with a one hundred dollar service charges or $53.46 with a seventy-five dollar service charges. The plus plan features up to thirty different items not listed under the regular plan including plumbing fixtures like leaky showerheads, faucets, and damaged accessories.
You can also add options, like a second fridge or freezer, for $2.69 per month. Or, if you have a pool or spa, then you can cover it for $11.59 per month. You can also add coverage for septic tanks, septic systems and leaky roof repair for $3.85 per month. The $5.77 per month GreenPlus option provides energy efficient replacements for your appliances — models that will save you energy and water while helping the environment.
What Do Most People Think of HWA Home Warranty?
There are a lot of consistently positive opinions on how HWA warranty runs their business. Generally speaking, the public dramatically approves of Home Warranty of America. Most user interactions became streamlined and simplified through the intuitive online system. It seems like in most places HWA is quicker when processed online instead of through the phone or email.
Unless they are backed up with orders, contractors working for HWA are quick to respond and quick to fix the problem. However, even if they back them up, they will usually still contact other contractors on their own time to make sure they find someone who can take care of your problem. The company’s rates are affordable, and they cover the right amount of damage by new and old appliances and systems.
Unfortunately, Home Warranty of America does have its fair share of criticism by unhappy customers. It seems the majority of these negative reviews come from individuals who misunderstood the contract — such as the company's refusal to cover appliances or system damaged by user error. Make sure you read the HWA’s list of general coverage provisions before proceeding. This list will provide with the exact details about is and is not covered in your specific plan.
Most of the time the issue seems to lie with the contractor. Home Warranty of America will file the problem with the local repair worker, which will then get ignored due to a processing error, busy schedules, and human mistakes. In some instances, users had to wait between two and ten days before the contractors even contacted them. When you have a potentially dangerous problem, like a gas leak or a flooding water system, this can be far too long for your needs.
However, the influx of recent negative review likely does not lie. It appears that Home Warranty of America has different quality levels of coverage throughout the country. The criteria for this quality seems to be whether or not there are certified contractors available near your location. If there is a lack of supply in repairers, then service will probably suffer in your area. While HWA should certainly address this problem, one can understand how the company struggles to equip more remote locations with adequate and certified contractors.
How Does HWA Home Warranty Compare to Other Home Warranty Companies?
To see how well Home Warranty of America’s coverage plans holds up against other, we compare the company to three other leading home warranty providers: American Home Shield, Choice Home Warranty and Select Home Warranty. By doing this process, we hope to root out how HWA is superior and weaker than the next favorite company.
American Home Shield
American Home Shield is one of the more popular home warranty companies, but it still has its host of problems. Many reviewers claim that the contractors the company provides are inadequate for the job they are performing. American Home Shield often replaces broken appliances with ones that are significantly lower in quality. The company is slightly cheaper than some HWA plans, but it only offers a three thousand dollar limit on appliances and systems — two thousand dollars less than Home Warranty of America.
Choice Home Warranty
While Choice Home Warranty is undoubtedly one of the cheaper options, with some plans starting at thirty-three dollars, this discount comes with a price. Mainly these cutbacks appear in the form of strict coverage provisions. For example, Choice Home Warranty may claim that they fix hot tubs, but they only list the parts of the pump within the specific contract.
Anything not listed you will need to pay for with your own money. Unfortunately, paying out of pocket can quickly add up. If you are from Illinois, New Jersey, Florida, Texas, or Missouri, then we would not recommend using Choice Home Warranty. Customer service in these states is particularly weak.
Select Home Warranty
If you can afford it, then we recommend Select Home Warranty. While the cheapest plan is pretty expensive — around sixty dollars — the warranty company maintains some of the best reviews and contractors available. You can choose between appliance coverage, system coverage or both. The customer service for this company is also head and shoulders above the rest. Representatives are typically polite and patient, and they help you understand whatever it is that needs completing. If the price is not an option, then we recommend this company of HWA.
Final Thoughts: Our Opinion on HWA Home Warranty
HWA is indeed not the worst home warranty company, but it does pale a bit in comparison to companies like Select Home Warranty. The biggest problem is that HWA does not allow its customers to choose their contractors. This issue becomes heightened when Home Warranty of America sends someone with poor customer service or practical experience. While many of the service providers the company works through our qualified and helpful, there are also many who are not.
Unfortunately, almost all home warranty companies suffer from this issue. Until a company comes along that allows its customers to pick their contractors and repairers, then we will have to make do with the options we have. It is the opinion of this reviewer that HWA is one of the lessers evils amongst many disreputable home warranty companies.
Though the company does have its fair share of sketchy contractors and poor customer service representatives, it seems Home Warranty of America appears the most transparent of the home warranty companies out there. As such we recommend either this service or Select Home Warranty if you feel like you most possess a home warranty policy. But you should prepare yourself for potentially difficult customer service or contractor experience.
Coupons and Deals
Unfortunately, there are currently no active coupons or deals available for Home Warranty of America.
We hope this review helped you during your shopping process for a home warranty. While home warranty can seem like an extraneous add-on, it can be beneficial if something does go wrong. As such, you should stay well informed about exactly what is covered by your plant and the extent to which the plan includes it. HWA has its share of issues, just like most home warranty companies in the USA, but it remains one of the most viable options regarding its price and coverage.