If you are a homeowner, you know how important it is to protect your home from unexpected breakdowns of your home systems and appliances. These items can malfunction due to normal wear and tear and leave you with a huge repair or replacement bill. That’s why many homeowners choose to purchase a home warranty plan, which is a service contract that covers the cost of repairing or replacing these items when they fail.
However, not all home warranty plans are created equal. Some may have limited coverage, high service fees, long response times, or poor customer service. That’s why you need to do some research and compare different home warranty companies and plans before you make a decision. One of the home warranty companies that you may want to consider is Home Warranty of America (HWA), which is one of the best home warranty companies in the market according to U.S. News.
Home Warranty of America, founded in 1996, is an Illinois-based company that offers home warranty plans in all U.S. states except Washington. The company has two coverage options for homebuyers and sellers alike, with a handful of a-la-carte add-ons. In exchange for a monthly fee, its customers can avoid being fully on the hook for repairs and replacements of eligible household components and take advantage of a network of affiliated service providers.
In this blog post, we will review the Home Warranty of America plans and provide you with some tips on how to choose the best one for your needs.
Home Warranty of America Plans
Home Warranty of America offers two main plans for customers: the Premier Plan and the Premier Plus Plan. The Premier Plan covers 14 essential systems and appliances, such as heating, plumbing, electrical, water heater, oven, dishwasher, garbage disposal, and more. The Premier Plus Plan covers everything in the Premier Plan plus four additional items: air conditioning, refrigerator, washer, and dryer. You can also add optional coverage for items like pool, spa, well pump, septic system, roof leak repair, and more.
The cost of the Home Warranty of America plans depends on the level of coverage you choose and the service fee you pay for each claim. The service fee is the amount you pay to the contractor who comes to diagnose and fix the problem. The service fee can range from $75 to $100 per claim. The average annual premium for the Home Warranty of America plans is about $600.
How to Choose the Best Home Warranty of America Plan for Your Needs
To choose the best Home Warranty of America plan for your needs, you should consider the following factors:
- The age and condition of your home systems and appliances: If your home systems and appliances are old or prone to breakdowns, you may want to opt for the Premier Plus Plan or add some optional coverage to ensure that you are fully protected. If your home systems and appliances are new or in good condition, you may be fine with the Premier Plan or even skip some items that are already covered by manufacturer’s warranties.
- The value and replacement cost of your home systems and appliances: If your home systems and appliances are expensive or hard to replace, you may want to opt for the Premier Plus Plan or add some optional coverage to avoid paying out of pocket for costly repairs or replacements. If your home systems and appliances are cheap or easy to replace, you may be fine with the Premier Plan or even skip some items that are not worth covering.
- The climate and weather conditions in your area: If your area experiences extreme temperatures or weather events that can affect your home systems and appliances, you may want to opt for the Premier Plus Plan or add some optional coverage to ensure that you are covered for any weather-related damages. If your area has mild temperatures or weather conditions that do not pose a threat to your home systems and appliances, you may be fine with the Premier Plan or even skip some items that are not likely to be affected by weather.
- Your budget and preference: Ultimately, you should choose a Home Warranty of America plan that suits your budget and preference. You should compare the cost and benefits of each plan and see what fits your needs and expectations. You should also read the terms and conditions of each plan carefully and understand what is covered and what is not covered by each plan.
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A home warranty is a great way to protect your home from unexpected breakdowns of your home systems and appliances. A home warranty can save you time, money, and hassle when dealing with malfunctions and provide you with peace of mind and convenience. Home Warranty of America is one of the best home warranty companies in the market that offers comprehensive coverage, low service fees, fast service, and excellent customer service for your home.
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