Home Warranty Inc Review (2018)

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Home Warranty Inc

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Home Warranty Inc is a regional home warranty company that mostly covers midwestern and southern states. They offer both a full coverage plan and plans similar to extended warranties that are a la carte for appliances. This offers customers more customization options than many other companies.

Home Warranty Scores

Overall Score: 6.8/10

Customer Satisfaction: 6.6/10

Prompt Service: 7/10

Repair / Replace Quality: 6.8/10

Price Range: $525-$1000+

Deductible: $75

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Company Details

Home Warranty Inc. is a midwestern regional home warranty company and small business. It offers some interesting differences in terms of plans versus top competitors. Here are the additional company details:

Home Warranty Inc.
HeadquartersRock Rapids, IA
# of States Served24 States (MT, ID, UT, CO, ND, SD, NE, KS, OK, TX, MN, IA, MO, WI, IL, MI, IN, OH, KY, TN, PA, WV, NC, SC)
BBB RatingA

Product Details

Home Warranty Inc provides an inclusive and holistic plan that covers multiple appliances and systems and also it offers an a la carte plan for both appliances and systems for those that want more customization options. Here is the full breakdown:

PlanCoverage Items
Home Protection Plan
  • heating units
  • cooling units
  • air exchanger
  • ductwork
  • interior plumbing
  • interior electrical wiring
  • water heater
  • sump pump
  • garage door openers
  • limited unknown pre-existing conditions
  • kitchen refrigerator
  • trash compactor
  • built-in microwave
  • dishwasher
  • central vacuum
  • garbage disposal
  • range / oven / cooktop
  • washer / dryer
Appliance A la Carte PlanSelect any of the following:
  • Furnace
  • air-to-air pump
  • A/C
  • water heater
  • trash compactor
  • built-in microwave
  • refrigerator
  • stand alone freezer
  • dishwasher
  • range / stove
  • cooktop
  • wall oven
  • washer
  • dryer
  • water softener
Optional Add-Ons to Base Plan
  • pool / spa combo
  • pool
  • spa
  • well pump
  • jetted bathtub
  • water softener
  • ice maker
  • extra appliances

Exclusions / Limitations:

  • Per unit limitations and exclusions
  • Unknown pre-existing conditions only covered if home inspection done by company.
  • Will not cover owner negligence, acts of God, abuse, pest/pet damage, power surges or failures, moisture or corrosion
  • Cosmetic and non-operational repairs are not covered.

Ease of Making Claims

Home Warranty Inc has two methods to request a claim -- the online form and over the phone. The online form is fairly straightforward. Some experienced that they had longer than average hold times and at times it was difficult to get service scheduled.

Positives

  • Phone call-in and form available

Negatives

  • Hold times reported on the phone

Repairs & Replacements

Although some had positive reviews of Home Warranty Inc, there were others that did not have good experiences. Many of these came from disagreements with the contractual agreements. Make sure to read your contract in its entirety as there are many limitations and exclusions. Others have described having issues with getting coverage when the source of the breakdown is unclear.

Home Warranty Inc vs. Other Top Home Warranties

Home Warranty Inc vs. American Home Shield

American Home Shield and Home Warranty Inc have some significant similarities -- both of them offer customization over the types of appliances and systems covered. This level of customization in plans is rare in the industry and a refreshing addition for customers. American Home Shield, however, has higher positive customer reception than Home Warranty Inc with a larger coverage area and more repairs and replacements.

Home Warranty Inc vs. Choice Home Warranty

Choice offers multiple tiers of home warranty plans that cover both systems and appliances in each plan. If you are daunted by customization, but still want a budget-friendly and highly rated home warranty company, learn more about Choice.

Home Warranty Inc vs. First American

First American is backed by big insurance and has a wide network of service providers. Some of the negative reviews are around people getting nickled and dimed, but most are happy with the repairs and replacements they get afterwards. It is worth a look if you want the security of a big company or have First American already for your insurance needs.

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Home Warranty Score: 6.8 / 10 from 10 Ratings