Home Warranty of America Review
A Choice Home Warranty brand - strong $5,000 HVAC cap, but the parent company's $11.8M AZ AG settlement and documented cancellation complaints are context you need before signing.
Overall Score
5.5
out of 10
BBB Rating
C/NR
Verify at bbb.org
Trustpilot
3.3
out of 5
HVAC Cap
$5K
per unit
Parent Company: Choice Home Warranty - $11.8M AZ AG Settlement
In January 2026, Choice Home Warranty (HWA's parent) agreed to pay $11.8 million to the Arizona Attorney General to settle consumer fraud allegations over claim handling practices. Source: azag.gov. The settlement applies to Choice, not specifically to HWA, but it is material context for evaluating the corporate family.
Our Verdict
Home Warranty of America is a Choice Home Warranty brand - not Frontdoor, not an independent company. That's worth stating plainly because many review sites compare "HWA vs. Choice" as if they're independent competitors. They're not. Same parent company, same H.I.G. Capital PE backing, different plan structures.
The $5,000 HVAC cap per unit is HWA's strongest feature. It's competitive with AHS Platinum and well above Choice's own $3,000 combined cap. If you're considering HWA specifically for HVAC coverage, that's the right instinct.
The rest of the picture is harder: C/NR BBB rating, 3.3/5 Trustpilot, documented cancellation difficulty including a $460.26 post-cancellation charge in April 2026, and a parent company that paid $11.8M to the Arizona AG. Know what you're buying.
Score Breakdown
Pros & Cons
+ What Works
- + $5,000 HVAC cap per unit - competitive with AHS Platinum, well above Choice's $3,000 combined
- + Plans starting around $48.33/month - mid-range pricing
- + $75 service fee option reportedly available
- + Covers both systems and appliances on Premier Plus
− What Doesn't
- − Choice Home Warranty parent paid $11.8M to Arizona AG in January 2026 over consumer fraud allegations
- − BBB: C or NR (verify current) - below average for the industry
- − 3.3/5 Trustpilot - below the "Good" threshold
- − Documented cancellation difficulties including post-cancellation charges
- − HWA vs. Choice comparison is siblings, not independent competitors
- − Service fee may be assigned rather than customer-selectable - verify directly
Plans & Pricing
HWA offers two plans. The $48.33/month figure is a baseline starting price - your actual quote will vary by location and property type.
Premier
~$48.33/moCore systems and appliances - HVAC, plumbing, electrical, refrigerator, washer, dryer.
HVAC: $5,000/unit
Premier Plus
Verify directlyExpanded coverage with additional items. Pricing unconfirmed - get a direct quote.
HVAC: $5,000/unit
HVAC Cap Comparison
HWA's $5,000/unit cap is the strongest reason to consider it - and notably higher than its own parent company's $3,000 combined cap.
| Company | HVAC Cap |
|---|---|
| AFC Home Club | No cap |
| Old Republic Elite | $6,500/unit |
| American Home Shield (Platinum) | $5,000/unit |
| HWA (Home Warranty of America) | $5,000/unit |
| Liberty Home Guard | $2,000/unit |
| Choice Home Warranty (parent) | $3,000 combined |
| Cinch Home Services | $1,500 combined |
Cancellation: Read This Before Signing
Cancellation complaints are one of the documented patterns in HWA reviews - not isolated incidents.
A specific April 2026 BBB complaint documents a $460.26 charge on a customer's card after they claimed to have cancelled. This is not a unique case - it appears in multiple reviews across platforms.
Before signing with HWA: get the cancellation terms in writing, note the exact process for cancellation, and understand what happens if a charge appears after you've cancelled.
Read the cancellation clause in the contract before, not after, you sign.
BBB & Legal Record
Better Business Bureau
- Rating: C or NR - verify at bbb.org
- Trustpilot: 3.3 / 5
- Complaints: Claim denials, customer service responsiveness, cancellation difficulty
Legal & Regulatory History
Parent Company Settlement - January 2026
Choice Home Warranty (HWA's parent) paid $11.8M to the Arizona AG to settle consumer fraud allegations. The settlement required reformed sales practices and clearer pre-sale disclosures. Source: azag.gov.
Who It's Best For
Good Match
- ✓HVAC-primary buyer who has done the homework - the $5,000 cap is real and competitive. If you've read this page, understand the legal history, and read the cancellation terms, HWA can make sense for HVAC coverage.
- ✓Buyer comparing HWA vs. Choice - both are the same parent. The practical difference is plan structure and HVAC cap ($5,000 vs. $3,000 combined). Not independent competitors.
May Not Be Ideal
- ✗Anyone for whom the parent company's $11.8M AZ AG settlement is disqualifying - a reasonable position.
- ✗Anyone who needs flexible, easy cancellation - documented cancellation difficulty is specific and well-sourced.
- ✗Anyone expecting a BBB-backed or Trustpilot-supported customer service experience.
Contract Terms
| Waiting Period | 30 days standard |
| Service Fee | $75 or $100 - verify whether customer-selectable or assigned |
| Cancellation | READ BEFORE SIGNING - multiple documented post-cancellation charge complaints |
| Auto-Renewal | Yes, annual |
| Arbitration | Yes - standard for the industry |
| Pre-existing Conditions | Generally excluded - standard |
Frequently Asked Questions
Is HWA part of Frontdoor?
What is HWA's HVAC coverage cap?
What was the Choice Home Warranty Arizona settlement?
What is HWA's BBB rating?
What is HWA's Trustpilot rating?
Can I easily cancel HWA?
Is HWA and Choice Home Warranty the same company?
Is the service fee customer-selectable at HWA?
Alternatives to Consider
Compare HWA Against All Providers
See how Home Warranty of America stacks up across coverage, price, BBB ratings, and HVAC caps - side by side with every major competitor.
View All ReviewsLast verified June 2026. BBB status for HWA is conflicting - verify current status directly at bbb.org. Verify cancellation terms at hwahomewarranty.com before purchasing.