In recent years, home warranties have become increasingly popular among homeowners seeking protection against the costs of repairing or replacing vital home systems and appliances. One of the top contenders in this space is Home Warranty of America (HWA). This HWA review for 2023 will cover plans, coverage options, pricing, claims process, pros and cons, and some tips for choosing the right warranty.

Plans and Coverage Options

HWA offers two primary plans: the Premier Plan and the Premier Plus Plan. The Premier Plan covers major appliances such as refrigerators, washers, dryers, and home systems including plumbing, electrical, and heating. The Premier Plus Plan additionally covers items such as air conditioning systems, garage door openers, and various other items not covered by the Premier Plan.

Both plans include GreenPlus coverage, which covers energy-efficient replacements for appliances or systems like dishwashers and water heaters. Furthermore, HWA provides an optional add-on coverage for additional items such as swimming pools, spas, well pumps, and septic systems.

Pricing

The cost of HWA’s home warranty plans varies depending on the level of coverage you choose. The Premier Plan starts around $41 per month or $492 annually while the Premier Plus Plan starts at $50 per month or $600 per year. Optional add-on coverages range from $2.50 to $19 per month depending on selected items.

Claims Process

The claims process with HWA involves a straightforward three-step approach:

1. Submit a claim online or by calling their customer service hotline available 24/7.

2. HWA assigns a local service technician to diagnose the issue.

3. Service technician resolves the problem; homeowner pays a pre-established trade call fee to the technician.

Pros

1. Comprehensive coverage options: Both their basic and premium plans offer extensive coverage.

2. Eco-friendly options with GreenPlus: Green product replacements for appliances and systems.

3. 24/7 claims hotline: Quick and efficient claim resolution process.

4. Nationwide availability: HWA services are accessible to homeowners across the United States.

Cons

1. Trade call fee: Fees that range from $60-$100 per service call can add up for frequent claims.

2. The cap on specific appliances/systems: Maximum payout limits on individual items may not cover the full cost of repairs or replacements.

3. Plan pricing: HWA’s plans are slightly more expensive when compared to some competitors.

Choosing the Right Home Warranty

When selecting a home warranty provider, it is essential to consider factors such as which appliances and systems you want to be covered, your budget, and the trustworthiness of the company. Reading customer reviews can also provide valuable insights into other users’ experiences with their claims process and overall satisfaction.

In conclusion, Home Warranty of America is a reliable option for those looking for comprehensive coverage and eco-friendly options in their home warranty plan. However, be sure to compare HWA’s offerings, pricing, and customer satisfaction ratings with other companies before making a final decision.