Plans and contract version reviewed: Premier Plan, Premier Plus Plan. Facts checked October 23, 2026. We did not perform first-hand testing of this provider's service unless stated.
Our assessment (editorial opinion)
HWA's 2022 sample contract caps payouts at $5,000 per item and $15,000 per term, starts coverage after 30 days, and lets you cancel any time for a pro rata refund. Code and permit costs are covered only through the OrangePlus add-on, and pre-existing conditions are excluded.
Who it may suit, and who it may not
May suit
- Homeowners who want month-to-month flexibility to cancel
- Homes where a $5,000 per-item cap covers likely repairs
May not suit
- Homes likely to need several large repairs in one year ($15,000 aggregate cap)
- Older homes where code upgrades are likely, unless OrangePlus is added
- Homes needing AC coverage on the base plan
Plans at a glance
As published by Home Warranty of America in its plan pages and sample contract, checked October 23, 2026. Not a quote; your contract and state version control.
Premier Plan
combination plan · As low as $46.08/month with a $100 trade call fee (homepage; varies by home type and size)
- Includes
- Heating, Water heater, Ductwork, Plumbing (incl. stoppages), Electrical, Kitchen appliances, Kitchen refrigerator, Washer and dryer, Garage door opener, Ceiling and exhaust fans, Central vacuum, Burglar and fire alarms, Door bells
- Limits & caps
- $5,000 per covered item and $15,000 aggregate per coverage period; refrigerant $10/lb; professional-series appliances $1,000 aggregate; rust/corrosion plumbing or electrical $2,000 each (DTC-2022)
- Service fee
- Trade Call Fee per service request, listed on your Coverage Letter; charged even if coverage is denied (sample contract)
- Waiting period
- 30 days after initial payment and contract start date
- Optional add-ons
- Air conditioning, Pool/spa, Salt water pool equipment, Well pump, Stand-alone appliances, Septic pumping, Septic system, OrangePlus upgrade, SEER/R-410A modifications
Premier Plus Plan
combination plan · As low as $59.92/month with a $100 trade call fee (homepage; varies by home type and size)
- Includes
- Everything in Premier, Air conditioning/cooler, Premium coverage upgrade (filters, racks, seals, fixtures, faucets, sediment in water heaters)
- Limits & caps
- $5,000 per covered item and $15,000 aggregate per coverage period; refrigerant $10/lb (DTC-2022)
- Service fee
- Trade Call Fee per service request, listed on your Coverage Letter; charged even if coverage is denied (sample contract)
- Waiting period
- 30 days after initial payment and contract start date
- Optional add-ons
- Pool/spa, Well pump, Stand-alone appliances, Septic, OrangePlus upgrade, SEER/R-410A modifications
Key contract terms
| Term | What the contract says | Contract wording |
|---|---|---|
| Code & permit upgrades | Only with OrangePlus add-on: code $250, permits $250 | coverage of building code violations up to $250 in the aggregate per Coverage Period |
| Unknown pre-existing issues | Pre-existing conditions excluded | inoperable as a result of pre-existing conditions, deficiencies, or defects |
| Cancellation | Yes; pro rata refund less service costs and a small admin fee | You may cancel this Contract at any time. |
Trade-offs
- Refrigerant is paid at $10/lb, with you covering the rest.
- Professional-series appliances are limited to $1,000.
- Concrete-encased or inaccessible items are limited to $1,000.
Availability
HWA's sample contract names state-specific obligor companies across many states and says terms may vary by state; the homepage does not publish a list of states served.
Sources
- Home Warranty of America — homepage (plans, prices, trade call fee note)
- HWA sample homeowner contract DTC-2022 (PDF)
This page is general education, not legal, financial, or insurance advice. Home warranty terms vary by provider, plan, and state; the contract you sign controls what is covered. Spotted an error? Request a correction.
