Home Warranty of America
A mid-size provider known for its online claims portal and coverage flexibility.
Reliability Score
63
out of 100 · grade C
The verdict: Home Warranty of America scores 63/100 (grade C) for reliability - a B BBB rating, 1.00★ across 234 BBB reviews, and 4.0★ on Trustpilot.
The Reliability Score blends independent reputation signals only, never marketing, and never raw complaint counts (which scale with company size). How it's calculated →
Independent reputation signals
B
BBB rating
1.00★
234 BBB reviews
4.0★
3,071 Trustpilot reviews
1,091
BBB complaints (3 yr)
Complaint counts scale with company size, a large national provider naturally logs more than a small one, so we show them for context but keep them out of the score.
How the score is built
Each signal scaled to 0–100, then weighted.
B grade
1.00★ · 234 reviews
4.0★ · 3,071 reviews
Annual cost
$400-$600
Service fee
$75-$100
Availability
45 states
Coverage by plan tier
| System / Appliance | Diamond | Platinum |
|---|---|---|
| Ceiling Fans | ||
| Central Vacuum | ||
| Ductwork | ||
| Electrical | ||
| Garage Door Opener | ||
| HVAC | ~ | |
| Kitchen Appliances | ||
| Laundry Appliances | ||
| Plumbing | ||
| Pool/Spa | ||
| Roof Leak | ~ | |
| Septic System | ||
| Water Heater | ~ | |
| Well Pump | ~ |
Hover icons for limit and exclusion details. Based on Home Warranty of America's published plan documents.
Available in 45 states
What the data says about Home Warranty of America
Home Warranty of America earns a Reliability Score of 63/100 (grade C), built from BBB rating, BBB reviews and Trustpilot. Its B BBB rating reflects how it handles and resolves complaints, while customers rate it 1.00★ on the BBB and 4.0★ on Trustpilot, the gap between a company's complaint-handling and its everyday customer sentiment is often where the real story is.
Plans run $400-$600 per year, with a $75-$100 service fee per visit. Founded in 1996, and is available in 45 states. As with any home warranty, the contract's exclusions, not its headline price, usually decide whether a claim is paid, so read the sample contract before buying.
Sources for this page
- Better Business Bureau - rating, accreditation, complaints, and reviews for Home Warranty of America. BBB profile
- Trustpilot - customer review score and count. Trustpilot profile
- Home Warranty of America plan documents - coverage matrix, service fees, and pricing.
- Reputation data retrieved 2026-06-15. See our methodology.
According to our independent reputation-signal analysis, Home Warranty of America scores 63/100 (grade C) for reliability, backed by a B Better Business Bureau rating. See our methodology for how the Reliability Score is calculated.
Disclaimer: Informational only; not legal, financial, or insurance advice. Figures are point-in-time snapshots from the sources above and change over time. Always confirm current plan terms directly with the company before purchasing.
Related guides & tools
Every figure on PlainWarranty is rendered directly from BBB, Trustpilot, and state regulatory data, no number is typed in by an editor. Company figures are computed directly from BBB, Trustpilot, and state regulatory data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.