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, and we care about our customers and their home repair issues.

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. For more detailed information on the claims process, read our Claims FAQs.

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. The warranty simply requires that the items be working and functional at the time of purchase. HWA may request a copy of your inspection report for items in a recently-purchased home.*

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.

You can learn more about the difference between homeowners insurance and a home warranty, get more information on the protection each one offers and get tips on how to decide on the type of coverage you need in our Learning Center article.

Are the Service Technicians Licensed?

Yes! Claims are serviced by a prescreened and highly qualified network of providers.

What is a trade call fee?

When you have a service claim under an HWA home warranty, you pay a trade call fee to have a service technicians come to your home and diagnose the problem. For many covered items, the trade call fee will be your only cost.** 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 $75. 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 versus the cost of a trade call fee.

Depending on your contract, the trade call fee may be due when your service visit is scheduled or when a contractor visits your home. This will be stated clearly in your contract. Check the Customer Service section of your contract for current pricing, limits of liability and exclusions.

How do I renew my home warranty?

Renewing your warranty is simple, and you can do it online! Just login to your account, select the coverage you want and set your contract to renew. Our video will show you just how easy it is.

*Home inspections not required for Premier or Premier Plus plans.
**Trade call fee varies by plan. Depending on your contract, trade call fees may be due when your service visit is scheduled or when a contractor visits your home. This will be stated clearly in your contract. Check the Customer Service section of your contract for current pricing, limits of liability and any exclusions which may require additional fees.