Independent profile — not affiliated with Home Warranty of America

Home Warranty of America Reviews & Complaints

Home Warranty of America (HWA) sells yearly home warranty service contracts for appliances and home systems, to homeowners and through real estate transactions. The brand dates from 1996. In February 2022 Choice Home Warranty announced that it had acquired certain HWA assets and would operate HWA as a stand-alone brand. HWA's sample contract caps payment at $5,000 per item and $15,000 per contract term, charges a trade call fee for each service request, and gives a 30-day money-back window (how the 30 days are counted depends on the plan) with a pro rata refund after that. Claims start online or at (888) 616-9901, and the contract names state regulators for complaints in several states.

REVIEWS & COMPLAINTS35on USAComplaints · none in last 3 yrs · latest 2013
PHONE(888) 616-9901Customer care
WEBSITEhwahomewarranty.com
PROFILE CHECKED2026-10-29
Submit a Complaint Read reviews & complaints ↓ Call (888) 616-9901 Official website ↗
EDITORIAL

Company Information

Legal name
HWA Home Warranty, Inc.
Founded
1996
Business type
Home warranty (home service contract) provider for homeowners and real estate transactions
Website
hwahomewarranty.comSource: Home Warranty of America home page, checked 2026-10-29

Home Warranty of America (HWA) sells home service contracts through hwahomewarranty.com. The mailing address on its Contact page is 2147 Route 27 South, Edison, NJ 08817. The sample contract names an administrator, Warranty Administration Services, Inc., at 90 Washington Valley Road, Bedminster, NJ 07921, and state-specific obligors listed in the background section.

Contract terms on disputes. Section VIII(A) of the sample contract (form DTC-2022) says disputes not resolved by negotiation are heard in "the trial courts located within the jurisdiction in which the Covered Property is located," that both parties waive trial by jury, and that the contract is governed by the law of the state where the property is located. Section VIII(A)(5) says claims must be brought "on an individual basis" and that "class actions, collective actions and other similar representative proceedings of any kind or nature" are not permitted. The dispute section of the sample contract does not provide for arbitration.

Website terms. The separate Terms of Use for hwahomewarranty.com (last amended June 7, 2013) are governed by Texas law and say disputes about use of the site or the terms are settled by binding arbitration in Houston, Texas under the American Arbitration Association's Commercial Arbitration Rules. They concern use of the site, not the warranty contract.

Regulation. Home warranties are regulated state by state, as insurance in some states and as service contracts or residential service companies in others. The sample contract names the Texas Department of Licensing and Regulation, the Arizona Department of Insurance and Financial Institutions, the Iowa Insurance Division, the Nevada Division of Insurance, the New Hampshire Insurance Department, the Utah Insurance Department, the Virginia Bureau of Insurance and the Wisconsin Office of the Commissioner of Insurance as places to send complaints or as regulators, and states an Oklahoma license number.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBB rating, not accredited, 971 complaints in the last 3 years, 288 in the last 12 months
184 reviews · 971 complaints · BBB business grade B · average customer rating 1.01 / 5
TrustpilotTrustScore 4.0 from 3,411 reviews, profile claimed by the company
3,411 reviews · TrustScore 4 / 5
CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 35 historical complaints about Home Warranty of America, published between 2002 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

Show 15 more on this page
EDITORIAL

Complaint Themes

Claims denied as pre-existing, wear or lack of maintenanceTrade call fee paid with no repairSlow dispatch and long waits for contractors or partsRefunds after cancelling a contractService availability outside business hours

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

Had an experience with Home Warranty of America? Tell other people what happened.

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VERIFIED

Contacts & Login

Customer service & general contact

Cancel, billing & returns

  • Service requests, renewals and cancellation in the sample contract1-800-496-7116

Account & login

Fax & written correspondence

  • Fax1-888-492-7360
VERIFIED

Locations

  • Mailing address2147 Route 27 South Edison NJ 08817
  • Mailing address90 Washington Valley Road Bedminster NJ 07921
EDITORIAL

Home Warranty of America claim problems: who to contact and what to do

Start with HWA. HWA says you can request service online at any hour or call customer service. Its Contact page lists (888) 616-9901 with menu options for Claims (press 2), Accounting (press 5) and Warranty Renewals (press 6), and customer service hours of Monday to Friday 7 am to 8 pm CT, Saturday 8 am to 6 pm CT and Sunday 9 am to 5:30 pm CT. The sample contract gives 1-800-496-7116 for service requests and says requests are accepted 24 hours a day, every day. The mailing address is Home Warranty of America, 2147 Route 27 South, Edison, NJ 08817, and the fax number is 1-888-492-7360. Keep the claim number and the name of the technician's company.

What happens after you file. The sample contract says that "under normal circumstances, We will dispatch Service Requests to an Authorized Repair Technician within 48 hours." Section III(B) adds that technicians usually work 8 am to 5 pm on weekdays and that if you ask for non-emergency service outside those hours you pay any extra or overtime charges; HWA decides what counts as an emergency. The claims FAQ says that if an appointment cannot be set online, the assigned provider "will be in touch within 24 hours." The contract also says HWA has "the sole and absolute right to select the Authorized Repair Technician" and "will not reimburse for any services performed without Our prior approval," so do not hire your own repairer before HWA authorizes the work. The claims FAQ says the technician diagnoses the problem and, if needed, calls HWA's Authorization Department "to determine coverage and obtain authorization to proceed."

Read the rest of this section

The trade call fee. The claims FAQ says you pay it when you file the claim. The contract says it is due "in advance of any Services being scheduled" and applies to each service request, "including but not limited to those calls wherein coverage is deemed excluded, or denied." Failure to pay suspends coverage. See the billing section for the amounts HWA states.

If a claim is denied or delayed. Ask in writing which contract provision applies. Section VIII(A)(1) of the sample contract says either party may start negotiations "by providing written notice to the other party, setting forth the subject of the dispute and the relief requested." Send it to the Edison address above and keep a copy.

State regulators named in the sample contract. Texas: the contract says the agreement is issued by a Residential Service Company licensed by the Texas Department of Licensing and Regulation (TDLR). TDLR's Service Contract Providers program handles home warranty complaints through the online complaint form at tdlr.texas.gov/complaints; its customer service lines are (800) 803-9202 (in Texas) and (512) 463-6599, and its mailing address is PO Box 12157, Austin, TX 78711. Arizona: Department of Insurance and Financial Institutions, Consumer Protection, 602-364-2499. Iowa: Insurance Division, 1963 Bell Avenue, Suite 100, Des Moines, IA 50315, (515) 654-6600. Nevada: Division of Insurance, (888) 872-3234. New Hampshire: Insurance Department, 21 South Fruit Street, Suite 14, Concord, NH 03301, (603) 271-2261. Utah: the contract says it is subject to limited regulation by the Utah Insurance Department, which takes complaints at (801) 957-9200 or (800) 439-3805 in Utah. Virginia: State Corporation Commission, Bureau of Insurance, P.O. Box 1157, Richmond, VA 23218, (800) 552-7945 in Virginia. Wisconsin: the contract says it is subject to limited regulation by the Office of the Commissioner of Insurance, which takes complaints at 1-800-236-8517 in Wisconsin or (608) 266-0103. In Georgia and Kentucky the contract says a bond insurer backs the agreement and that you may make a direct claim against that insurer if HWA does not pay a claim within 60 days after you file it. In Nevada and Utah the contract defines an emergency repair (loss of heating or cooling, plumbing or substantial electrical service that makes the home unfit to live in) and says such repairs begin within 24 hours in Nevada; in Utah you may hire a qualified repairer directly in an emergency without prior approval, pay them, and send HWA the itemized invoice for reimbursement up to the coverage limit.

Other states. Home warranties are overseen by the state insurance department in many states and by another agency in some. The NAIC website (content.naic.org/state-insurance-departments) links to every state insurance department; check also the state notice printed in your own contract.

Other routes. Your state attorney general and the FTC (ReportFraud.ftc.gov) accept consumer complaints about home warranty companies, and a complaint filed through BBB is forwarded to the company for a response. If you paid by credit card, you can also dispute the charge with the card issuer; under the federal Fair Credit Billing Act a billing-error notice generally has to reach the issuer in writing within 60 days after the first statement that shows the charge.

EDITORIAL

How to cancel and get a refund

The 30-day money-back guarantee. HWA's money-back page gives separate wording for two kinds of plan. For plans bought as part of a real estate transaction: "If You cancel this Contract within the first 30 days of the Coverage Period and no claims have been made, You are entitled to a full refund of the cost of this Contract." For the Premier and Premier Plus plans on an existing home: "If this Contract is cancelled within the first 30 days from the Contract Start Date and you have not made a claim, You are entitled to a full refund of the cost of this Contract." The two texts start the 30 days at different points, the start of the Coverage Period or the Contract Start Date, and under the sample contract those dates are 30 days apart. Your Coverage Letter shows the dates for your plan; cancel well inside the window that applies to it.

After 30 days or after a claim. Section VIII(D) of the sample contract says: "You may cancel this Contract at any time" and that after the first 30 days, or within 30 days if a claim has been made, "You will be entitled to a pro rata refund of the total purchase price paid for the unexpired term, less any actual Service costs incurred by Us and an administrative fee of the lesser of $30 or 10% of the total purchase price." Section II(C) adds: "Except as otherwise specifically stated in this Contract, Your payments are non-refundable." The cancellation section does not say how to give notice, and the renewal clause names only the telephone number 1-800-496-7116 for stopping renewal. Cancel by phone at that number, note the date, time and the representative's name, and ask for a written confirmation; a letter to the Edison address can back up the call but should not replace it.

Read the rest of this section

Automatic renewal. Section II(B) says that if HWA renews the plan it will give notice of revised terms and any price increase at least 30 days before the term ends, and that "YOU WILL AUTOMATICALLY BE RENEWED FOR ONE (1) YEAR COVERAGE PERIODS" unless you notify HWA by telephone at 1-800-496-7116 or HWA notifies you at least 30 days before expiration that it will not renew. It also says that if you ask to cancel after an automatic renewal, HWA will honor the request immediately under Section VIII(E).

State differences. Section VIII(E) lists variations that control over the general terms. Residents of Alabama, Arkansas, Georgia, Hawaii, Massachusetts, Minnesota, New Mexico, Virginia, Wisconsin and Wyoming get an additional free-look period of 20 days from mailing (30 days in Hawaii) with a full refund if no service was received, and a penalty of 10 percent per month on a refund not paid within 45 days (30 days in Iowa, 60 days in New Mexico). Vermont residents may cancel within 20 days of receiving the contract for a full refund if they have had no service. Oklahoma sets the refund at 90 percent of the unearned pro rata fee less the cost of service when you cancel and says no cancellation fee is charged. For Georgia residents who cancel after the free-look period, the Georgia wording sets the refund at 100 percent of the unearned pro rata price less any claims paid, with no deduction for an administrative fee. Nevada residents who have made no claim may return the contract within 20 days of mailing (10 days if it was handed over at the sale) for a full refund, with a 10 percent monthly penalty on a refund paid more than 45 days late. In South Carolina the same 10 percent monthly penalty applies to a refund not paid within 45 days of cancellation. Alabama allows an administrative fee of up to $25 after the refund period, and Iowa and Wisconsin cap it at 10 percent of the price.

Coverage starts 30 days after payment. Section I(A)(2) states in capitals that coverage begins on the Coverage Period Start Date, thirty days after initial payment and the contract start date, and that services needed before then are the customer's responsibility. Check which plan type and which state's wording applies to your contract before you rely on any of the above.

EDITORIAL

Plan limits, the trade call fee and what the contract excludes

Dollar limits. Section I(A)(6) of the sample contract: "Our obligation to pay for repair or replacement under this Contract is limited to $5,000 per Covered System and Component and $15,000 in the aggregate during the Coverage Period." Section VII(Q) calls the cost of the required repair or replacement, whichever is less, "Your sole remedy under this Contract." Some items have lower caps, for example $1,000 for a tankless or oil water heater, $500 for a septic system, and $1,000 for professional-series appliances ($2,000 with the OrangePlus option).

Trade call fee. The contract defines it as "an amount due by You per Service Request for a Service visit by an Authorized Repair Technician, as listed on the Coverage Letter." The homeowner FAQ says it "starts as low as $75" and varies by plan and state, and the prices advertised on the home page assume a $100 fee. Section III(E) says the fee is also owed if you are not present at the scheduled time or cancel the visit while the technician is on the way, and Section III(G) charges it when no adult is home or the technician cannot get to the equipment. Because the fee is charged per request, a second visit for the same problem can carry a second fee; Section III(F) says repairs that fail within 30 days are redone without an additional trade call fee.

Exclusions and limits that decide many claims. Section VII(P): HWA "will not pay for the repair or replacement of any covered systems or appliances if they are inoperable as a result of pre-existing conditions, deficiencies, or defects," and Section I(A)(4) excludes breakdowns known before the coverage start date. Section VII(M): "We are not liable for normal or routine maintenance," and the customer must keep up cleaning and filter changes. Section VII(G) lists causes outside coverage, including misuse, failure to clean or maintain as the manufacturer specifies, freezing, water damage and pest damage. Section VII(R): HWA does not pay to meet current building or zoning codes, except under optional coverage. Section VII(O): HWA may "offer cash back in lieu of repair or replacement in the amount of Our actual cost, which may be less than retail." Section VII(I): HWA has "the sole right to determine whether a covered appliance, system, or component will be repaired or replaced." Section VII(B) says HWA is not liable for losses from misdiagnosis or delays in diagnosis or repair.

Read the rest of this section

Two statements to compare. The homeowner FAQ says HWA covers items "new and old" with "no age restrictions" and that no inspection is required, but that "HWA may request a copy of your inspection report for items in a recently-purchased home." The contract's pre-existing-condition and maintenance exclusions apply to old and new equipment alike, so read them with the FAQ. For Arizona residents the contract's state provisions narrow the pre-existing exclusion: such conditions are covered if HWA or its seller knew or should reasonably have known of them.

Monthly price. The home page advertises plans from $46.08 a month, and from $59.92 a month for the plan that adds air conditioning and 30 more items, based on a $100 trade call fee; it says the price varies by home type and square footage.

EDITORIAL

Complaints about Home Warranty of America

35 published complaint reports are linked to this profile. Each linked report carries its own date.

What the linked reports describe. The reports linked to this profile were written before the 2022 asset sale, so they and the complaint themes drawn from them describe HWA under its earlier ownership. Authors write about claims refused as a pre-existing condition, lack of maintenance or normal wear; repair findings that HWA's claims staff read differently from the contractor, including one account of contractors saying HWA pressed them to call a failure pre-existing; trade call fees paid with no repair; long waits for a contractor or for parts; sales and service lines that did not match the "24/7" wording on HWA's site; and refunds after cancelling a contract. These are accounts by customers, not findings by a court or regulator.

Other complaint and review sources. BBB's listing for HWA in Edison, New Jersey shows a B rating, no accreditation and 971 complaints filed with BBB in the last three years, 288 of them in the last 12 months; BBB customer reviews there average 1.01 out of 5 from 184 reviews. On Trustpilot, where HWA has claimed its page, the TrustScore is 4.0 from 3,411 reviews. BBB's figure counts complaints filed with BBB, while Trustpilot's score averages customer reviews, so the two measure different things; neither is combined with the reports on this site. A federal lawsuit captioned Wilson v. Home Warranty of America, Inc., filed in Oregon in July 2025, was dismissed with prejudice in January 2026 after a notice of resolution; the docket does not state the claims or which corporate entity was the defendant (see the court case entry on this page).

How to read them. The contract exclusions summarized above are the provisions HWA relies on when it denies a claim, so a report that says the denial was wrong is a dispute over how those provisions apply to a particular failure. HWA's side, as set out in its contract and FAQ, is that coverage applies only to breakdowns from normal wear of listed items, that the customer maintains the equipment, and that every service request carries a trade call fee.

PUBLIC RECORD

Court & Public Records

Wilson v. Home Warranty of America, Inc.

Dismissed

U.S. District Court for the District of OregonDocket 6:25-cv-01331Source ↗

Dismissed

Chet Michael Wilson, an individual, filed this federal lawsuit on July 29, 2025 against a defendant captioned as Home Warranty of America, Inc. The docket does not state the nature of the claims or which corporate entity was served, so it does not show whether the case concerned warranty claims or tie it to the company that has operated the HWA brand since the 2022 asset sale. On December 19, 2025 a notice of resolution and request for a stay was filed, and after the plaintiff's notice of voluntary dismissal the court entered an order on January 29, 2026 dismissing the case with prejudice, with each party bearing its own costs and attorneys' fees. The docket does not show the terms of the resolution, and no court ruled on the merits.

EDITORIAL

Who stands behind Home Warranty of America

The brand. Home Warranty of America sells home warranty service contracts. The company says it has protected homeowners since 1996. In November 2011, Direct Energy, a Centrica company, announced that it would acquire HWA, then headquartered in Buffalo Grove, Illinois, and on March 5, 2012 it announced that the acquisition was complete.

February 2022. On February 7, 2022, Choice Home Warranty announced that it "has acquired certain assets of Home Warranty of America" from Home Warranty of America, Inc., and said it would continue to operate HWA as a stand-alone brand; the release describes HWA as founded in 1996 and based in Illinois. BBB's notice on HWA's Edison listing says the ownership changed in January 2022 and that the current owners bought the assets but not the liabilities of the business. BBB lists Jim Mostofi as President and links the listing to Choice Home Warranty. HWA's Contact page lists 2147 Route 27 South, Edison, NJ, the address the sample contract gives for CHW Group, Inc., and the site footer names HWA Home Warranty, Inc. Choice Home Warranty has its own profile on this site.

Who is the contract issuer. It depends on the state. The sample contract says the obligor is American Global Obligors, Inc., 90 Washington Valley Road, Bedminster, NJ, except in a list of states where a different company is named: for example Home Warranty Administrator of Florida, Inc. in Florida, HWAT, Inc. in Texas, HWA of VA, Inc. in Virginia, Home Service Club Warranty Corp. in New York and Washington, DMM Results of LA, Inc. in Louisiana, CHW Group, Inc. (2147 Route 27 South, Edison, NJ) in Georgia, and Home Warranty Administrator of Utah, Inc. dba Choice Home Warranty in Utah. The contract names Warranty Administration Services, Inc., Bedminster, NJ as the Administrator and says: "OUR OBLIGATIONS UNDER THIS AGREEMENT ARE BACKED BY THE FULL FAITH AND CREDIT OF THE OBLIGOR." Find the issuer on your own Coverage Letter and contract.

Other facts from HWA's site. HWA says it is a member of the National Home Service Contract Association. Its FAQ describes the repair contractors as a prescreened network of providers. In Oklahoma the sample contract gives the license as License No. 512409500.

VERIFIED

Company Relationships

  • Affiliated withChoice Home Warranty
EDITORIAL

Frequently Asked Questions

How do I file a claim with Home Warranty of America?

HWA says to submit a service request online at any hour or call customer service at (888) 616-9901 and press 2 for claims; the sample contract lists 1-800-496-7116 for service requests. The trade call fee is paid when you file, and the assigned provider is to contact you within 24 hours if the visit is not booked online.

What is the trade call fee?

It is the fee charged for each service request when a technician visits to diagnose the problem. The contract says it is due in advance and applies even where coverage is denied or excluded. HWA's FAQ says it starts as low as $75 and varies by plan and state; the amount is on your Coverage Letter.

How do I cancel Home Warranty of America and get a refund?

The contract allows cancellation at any time. Within the first 30 days with no claim made, HWA promises a full refund; on Premier plans the 30 days run from the Contract Start Date, and on real estate plans from the start of the Coverage Period, so check the dates on your Coverage Letter and cancel early. After that, or after a claim, the refund is pro rata for the unexpired term less service costs and an administrative fee of the lesser of $30 or 10 percent. State wording can differ. The contract names only the phone number 1-800-496-7116 for stopping renewal, so cancel by phone, note the date and the representative's name, and ask for written confirmation.

What does the contract say about pre-existing conditions and maintenance?

Section VII(P) excludes systems that are inoperable because of pre-existing conditions, deficiencies or defects, and Section VII(M) says HWA is not liable for normal or routine maintenance and that the customer must clean and service equipment to manufacturer specifications. Coverage also starts thirty days after payment.

What is the most Home Warranty of America will pay on a claim?

The sample contract limits payment to $5,000 per covered system and component and $15,000 in total during the coverage period, and HWA may choose to repair, replace or pay cash in the amount of its actual cost, which may be less than retail.

Is Home Warranty of America the same company as Choice Home Warranty?

Choice Home Warranty announced on February 7, 2022 that it had acquired certain assets of Home Warranty of America from Home Warranty of America, Inc. and would run HWA as a stand-alone brand. BBB notes that the new owners bought the assets but not the liabilities of the business. HWA's contact address, 2147 Route 27 South, Edison, NJ, is the address its sample contract gives for CHW Group, Inc., which the contract names as obligor in Georgia; for Utah it names a company doing business as Choice Home Warranty.

Which company issues my Home Warranty of America contract?

It depends on the state. The sample contract names American Global Obligors, Inc. in states not otherwise listed and separate companies in states such as Florida, Texas, Virginia, New York, Louisiana, Georgia and Utah. Your Coverage Letter shows the one that applies to you.

Can I join a class action against Home Warranty of America?

The sample contract requires claims to be brought on an individual basis and says class and collective actions are not permitted, and it waives jury trial. Whether a given court would enforce those terms depends on the state and the facts. An individual suit, including in small claims court, is still allowed; the contract places disputes in the trial courts where the home is located. Small-claims dollar limits and filing rules differ by state, so check your state court's self-help pages, name the company shown as obligor on your Coverage Letter, and send HWA the written dispute notice the contract describes before you file.

Where can I complain if Home Warranty of America denies my claim?

Start with a written dispute to HWA, then your state regulator. The sample contract names the Texas Department of Licensing and Regulation, the Arizona Department of Insurance and Financial Institutions, the Iowa Insurance Division, the Nevada Division of Insurance, the New Hampshire Insurance Department, the Utah Insurance Department, the Virginia Bureau of Insurance and the Wisconsin Office of the Commissioner of Insurance. In Texas, file with TDLR's Service Contract Providers program at tdlr.texas.gov/complaints. In other states, start with your state insurance department (the NAIC website links to each one). Your state attorney general, ReportFraud.ftc.gov and BBB also accept complaints.