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Since 1996, Home Warranty of America has been protecting homeowners with their home warranty packages. Claims can be made online 24/7/365, or you can contact their customer service team during regular business hours.
Home Warranty of America offers two main plans for home warranty coverage: Premier and Premier Plus. Each one allows you to choose between a $75 and $100 Trade Service Call Fee, with lower monthly premiums for the higher call fee. The Premier plan is priced at $41 to $44 per month, while the Plus package costs $50 to $53. Both plans cover the major systems and appliances of the average home. So, what's the difference between the two packages? The Premier Plus covers the air conditioning, toilet replacement, plumbing fixtures/faucets/shower heads, and more than 25 "other items traditionally not covered by basic home warranty plans". We would have liked to see a list or a link to a list for what those 25+ items actually are.
You have an extensive list of add-ons possible with Home Warranty of America's plans. Options include salt water pools, septic systems, roof leak repair, well pumps, and more. The additional premiums for these upgrades are clearly spelled out on the plan summary page, and the sample contract for all plans is readily available for downloading and viewing on the Coverage Options page as well. Home Warranty of America gets points for both of these features, since many of their competitors do not provide that information so freely.
Be aware that Home Warranty of America's plans are all 13-month packages, not the typical one-year timeframe that most home warranty companies sell. This would be an advantage if it were a fixed-price structure, but since you're paying monthly for a Home Warranty of America plan, you're essentially just obligated to pay for an extra month.
On the positive side, there are no age restrictions on any of the appliances or systems covered by Home Warranty of America, so whether your dishwasher is 10 months or 10 years old, it'll still be eligible for coverage.
How does Home Warranty of America compare with other providers when it comes to reputation? On average, Home Warranty of America has solid positive customer feedback. We found many compliments to the responsiveness of their customer representatives, and the lack of pushy sales tactics towards prospective clients. Although some policyholders have experienced mixed results with the quality of the technicians assigned to do repairs, they've been satisfied with Home Warranty of America's efforts to make sure the job is (eventually) completed right.
Home Warranty of America offers comprehensive coverage, transparent fees and pricing, and a solid "B" grade with the Better Business Bureau, making them a good choice for your home warranty plan.
At first glance, 24-7 Home Warranty looks like a reasonably good choice for a home warranty plan. Who wouldn't want "your own personal service technician always on call", as they promise at the top of their site?
Their available plans consist of the following:
The reimbursement cap is $1500 per appliance and most covered systems, $500 for the water heater, and no limit for the garage door opener.
Since our last evaluation of 24-7 Home Warranty, the company has received a listing on the Better Business Bureau site. This home warranty provider does not currently have a rating; that can be a plus or a minus, but at least there have been no registered complaints with the BBB. In poking around on the 24-7 site, we found their "In The News" section, with only two articles dated 10 years earlier.
We also weren't thrilled with the fact that the 24-7 Home Warranty site itself is not secure (it's http and not https). We had to click past the browser security warnings just to access the website.
Our impression of 24-7 Home Warranty is that they are essentially a reseller: their About Us clearly states that their plans are offered by The Warranty Group, headquartered in Chicago (while 24-7 is based in Utah). And, if you look at the tiny print at the bottom of the site, you'll see that coverage of home appliances, comprehensive systems, and major systems is provided and administered by yet another group of companies, depending on your state of residence. They also do not offer plans for residents of CA, NV, or VA.
So, does 24-7 Home Warranty actually deliver? Given that they seem to outsource everything about their business, the best answer we can give is "it's anyone's guess". With so many inconsistencies on the site, outdated information, and evidence that they don't actually service any plans that they sell, 24-7 Home Warranty ranks very low among companies offering protection for your appliances and home systems.
Best Home Warranty
To help you find the Best Home Warranty Companies, TopConsumerReviews.com provides you with an in-depth comparison of Home Warranty of America and 24-7 Home Warranty.
Who has the best Home Warranty? Whether you're a homeowner, landlord, or home seller hoping to sweeten the deal for prospective buyers, a home warranty can make a significant difference. From appliances like washers and dryers to home systems such as HVAC and electrical, home warranty policies protect you in the event of a malfunction or needed repair.
Given that the average costs of even a minor fix can easily run into the hundreds or thousands of dollars, it's easy to understand why many people purchase home warranties every month. The coverage purchased typically explains what is and is not covered, so you know exactly what you're getting. Also, most plans have some kind of deductible or service fee once a technician has been dispatched for your repair or claim.
You should be aware that home warranties are one of the most complained-about services available today. Why? The main reason is that customers don't pay attention to the fine print. When considering a home warranty policy, be sure to take a look at a sample contract. Like all warranty and insurance companies, they're hoping that you don't need to make a claim - and so many of the cosmetic, non-essential inner workings and components may be excluded from coverage.
However, if you take the time to educate yourself on the home warranty you're purchasing, there should be no unpleasant surprises, and your covered systems will be repaired in a timely fashion by a licensed, reputable technician.
As you decide which company earns your business for a home warranty plan, here are several criteria to consider:
TopConsumerReviews.com has reviewed and ranked the best home warranty companies available today. We hope this research helps you find the best home warranty policy for your home or rental property!
Home Warranties In The News
Dear Dave: Are home warranties a waste of money if someone has been following your plan and already has six months of expenses set aside in an emergency fund, plus home insurance - Andrea Dear Andrea ...
Published: Sun, 18 Nov 2018 06:01:00 GMT
A. Home warranties are a waste of money even if you don't have quite that much set aside in an emergency fund. I recommend an emergency fund of three to six months of expenses to cover the unexpected ...
Published: Sun, 18 Nov 2018 03:32:00 GMT
CONCORD, Calif., Nov. 15, 2018 /PRNewswire/ -- Fidelity National Home Warranty and Disclosure Source, leaders in the home warranty and California natural hazard disclosure market, announced today the ...
Published: Thu, 15 Nov 2018 07:53:00 GMT
Home warranties are usually thrown in as a gift by the realtor. But whether or not to renew that home warranty after it expires is a difficult decision to make. NBC 7 Responds has some information to ...
Published: Wed, 14 Nov 2018 22:45:00 GMT
Sellers have a two year home warranty on property and are offering an $8, 000 credit toward roof replacement. This home is conveniently located, easy walk to Wood Park, Pomona Swim Club and ...
Published: Fri, 16 Nov 2018 11:09:00 GMT
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