Frequently Asked Questions

You have warranty questions? We have answers.

Why should I choose Home Warranty of America?

HWA has been protecting homeowners since 1996. We care deeply about our customers and their home repair issues. Even when an item is not covered, we do our best to connect our customers with service when they need it from home repair companies they can trust.

We offer multiple plans at competitive monthly rates. We also offer a variety of payment plans to better serve customers, no matter their budget. If you compare HWA's rates and coverage to those of other home warranty companies, we think you'll agree that we deliver premium value at a competitive price.

What do I do if I think I have a claim?

You can make a service request online 24/7/365, or you can call our customer service team. Our customer service specialists are exceptionally trained in the claims process and may even be able to help you troubleshoot the problem over the phone, sparing you unnecessary downtime and a small trade call fee.

If it's determined that you need a service technician, our specialists will make the arrangements without delay.

Please visit our Claims FAQ for more detailed information on this process.

What if my appliances and systems are old?

Home Warranty of America covers homes, systems and appliances that are new and old. There are no age restrictions on anything we cover. No inspections are required.

What is Premium Coverage?

Premium Coverage is an option you can buy to protect equipment that is not covered by typical home warranty contracts. For example, traditional home warranty coverage for a dishwasher does not cover racks, baskets, rollers and door seals, but Premium Coverage does cover these components. There are more than 30 items covered in HWA's Premium Coverage; view our costs and coverage for details.

What is the difference between homeowners insurance and a home warranty?

Homeowners insurance and home warranties are both designed to help you in the event of loss or damage to your home or belongings. While there may be some overlap, these policies tend to cover different things.

Home warranties cover repairs and replacements for systems and appliances that fail due to normal wear and tear. Homeowners insurance covers homes and property in the event of damage or loss from covered perils like fire and natural disasters.

How do you work with your service providers?

HWA reviews and approves service providers through an exhaustive process. Unlike some home warranty companies, we have a dedicated Vendor Development Department that has created a database of thousands of service providers across all the markets we serve.

What is a trade call fee?

When you have a service claim under an HWA home warranty, you pay a small trade call fee to have a screened service technicians come to your home and diagnose the problem. If an item that is covered in your home warranty contract is causing the problem, the trade call fee would be your only cost to repair or replace the item. Simple as that — there are no additional service fees or expenses, no matter the covered appliance or the time it takes for the repair or replacement. This protects you against the high costs of home and appliance repair while providing you peace of mind.

The amount of the trade call fee varies depending on the plan and by state, but starts as low as $50. This fee is clearly stated on every contract so there are no surprises. Check out these price comparisons to see the typical cost to repair or replace an appliance or mechanical system in your home if you don't have a home warranty policy versus the cost of a trade call fee.

Trade call fees are due when a contractor visits your home. Check your contract for current pricing, limits of liability and any exclusions.

HWA Has You Covered

A home warranty from HWA provides security against the unexpected expenses of inevitable home repairs. Whether you're buying, selling, or already in your home, we have a plan to fit!

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