Home Warranty of America Review
A Choice Home Warranty sister brand with a $5,000 HVAC cap. Its sister brand's $11.8M Arizona AG settlement and customer complaints about cancellation are context to weigh before signing.
Overall Score
5.9
out of 10
BBB Rating
C/NR
Verify at bbb.org
Trustpilot
4
out of 5
HVAC Cap
$5K
per unit
Sister Brand Choice Home Warranty - $11.8M AZ AG Settlement
The Arizona Attorney General announced an $11.8 million settlement with Choice Home Warranty, HWA's sister brand, on February 10, 2026. Choice denied the allegations. The settlement names Choice only, not HWA, but it is context for evaluating the company family. Source: azag.gov.
Our Verdict
Home Warranty of America is a sister brand of Choice Home Warranty within Rely Home - 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 group, different plan structures. See who owns Choice and HWA.
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 mixed: a C/NR BBB rating (verify current), a 4.0 Trustpilot score at our October 2026 check, customer complaints about cancellation that we could not independently verify, and a sister brand that settled an Arizona AG lawsuit for $11.8M. Know what you're buying.
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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
- − Sister brand Choice Home Warranty settled an Arizona AG consumer fraud lawsuit for $11.8M in 2026 (the settlement names Choice only)
- − C/NR BBB rating (verify current) alongside a 4.0 Trustpilot score
- − Customer complaints about cancellation difficulty (not independently verified)
- − 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 higher than sister brand Choice'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 (sister brand) | $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: 4.0 / 5 (October 2026 check)
- Complaints: Claim denials, customer service responsiveness, cancellation difficulty
Legal & Regulatory History
Sister Brand Settlement - 2026
Choice Home Warranty, HWA's sister brand, agreed to pay $11.8M to settle the Arizona AG's consumer fraud lawsuit and to reform sales practices and give clearer pre-sale disclosures, without admitting wrongdoing. The settlement names Choice only. 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 sister brands. 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 sister brand's $11.8M AZ AG settlement is disqualifying - a reasonable position.
- ✗Anyone who needs flexible, easy cancellation - customer complaints describe cancellation difficulty, though we could not verify them independently.
- ✗Anyone who treats a C/NR BBB rating as disqualifying.
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.