Home Warranty Inc. Reviews 

613
TrustScore 4 out of 5

4.1

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 606 reviews, reviewers had a great experience with this company. Consumers frequently mention that the customer support team and staff are exceptionally helpful, friendly, and always ready to answer any questions completely and thoroughly. Reviewers consistently emphasize the prompt assistance, smooth communication, and extremely fast claim processing that make managing home appliance repairs a breeze. Some reviewers were not happy with the financial compensation, noting that payout amounts were frequently insufficient to cover full appliance replacements or costly repairs. However, some people also mentioned frustrating experiences regarding unexpected coverage misunderstandings and difficulties with locating proper local service vendors in their area.

What people talk about most

Service

Clients share ambiguous opinions on service, noting both highly efficient claims and frustrating coverage... See more

Claim

Customers report general satisfaction and positive experiences with the claim process. Many reviewers note... See more

Staff

Reviewers mention positive feedback about staff, noting that representatives and technicians are friendly,... See more

Customer service

Reviewers highlight positive aspects of customer service, describing representatives as knowledgeable,... See more

Warranty

Consumers find warranty to be ambiguous, reflecting a wide division in experiences. While some reviewers... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Claims personnel handled submitting the claim did a good job. Claim has not yet been paid. I submitted the original invoice without including my street address. A second copy of invoice was submitted... See more

Company replied

Rated 5 out of 5 stars

I have never used a home warranty. Purchased it last year when I bought a new home & realtor suggested purchasing one. I didn't use it last year and debated about renewing it again. Well, I renewed it... See more

Company replied

Rated 5 out of 5 stars

Staff was always very friendly and helpful. When I had questions as to how the process worked they were able to give me detailed instructions to make sure everything went smoothly. The only issue I ha... See more

Company replied

Rated 5 out of 5 stars

I have had other warranties before and they have been more of a headache than anything. However we have had several unfortunate appliance breakages and Home Warranty have been great. I love that a re... See more

Company replied


Company details

  1. Repair Service
  2. Air Conditioning Repair Service
  3. Boiler and Heating Service
  4. Home Insurance Agency
  5. Insurance Company

Written by the company

Home Warranty of the Midwest, Inc. was founded in 1999 by the owner of a successful appliance repair company.​ With 36 years of repair experience, he was determined to put together a plan that would cover items in the home more comprehensively, allow the use of local contractors, and pay contractors more quickly for completed work.​​​​ Home Warranty serves as an additional product source to a wide range of businesses including real estate agencies, utility companies, property management, mortgage lending, home inspection, financial planning, residential construction, and independent insurance agencies. We are committed to utilizing trusted, local servicers who can ensure a timely response to customer needs. We pride ourselves on our LIVE call answering during core business hours with two call centers in the U.S. We also provide our customers with active, responsive District Sales Representatives who help agents and companies every step of the way.


Contact info

4.1

Great

TrustScore 4 out of 5

613 reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 98% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.1

All reviews

(613)

611 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

This company is a joke, run, do not use them.

I purchased this policy to help me in the event of any issues with my new home. As a first time home buyer, I felt this would be a smart choice in the event of any major issues with my home. The first problem, they would not cover my washing machine, because it did not work properly the first time I used it. How on earth would I know if it worked or not? Apparently, this is a clause in my policy. Now I am out of pocket for a new washing machine. Next, my AC went out. The new AC was $5500. They are only helping with $900. I paid more for the policy than that. Not to mention the rudeness of the customer service workers when I called. The one told me if I didn't like the service, I could cancel in writing. Now I have supplied them with a paid in full invoice for a new AC Unit, they are holding up my payment because the invoice is not itemized. What does it matter? I paid the entire bill.

August 6, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thank you for your feedback. Your air conditioning claim was approved according to the terms and coverage limits of your warranty agreement. An itemized invoice was requested to verify the covered repair before reimbursement could be issued. We regret that we did not meet your expectations.

Rated 5 out of 5 stars

Smooth process that even my a/c…

Smooth process that even my a/c contractor was surprised how easy it went. Highly recommend!

July 29, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Glad to hear! Thanks for sharing.

Rated 5 out of 5 stars

I have several properties with this…

I have several properties with this company and always blown away of the service they provide. Grateful to everyone I talk to. Appreciate you ustomer service.

August 5, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks so much for sharing your experience! Much appreciated.

Rated 5 out of 5 stars

Easy to file claim

Easy to file claim, easy to receive payment via e-check!

August 4, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Yes, e-check is a great option!

Rated 2 out of 5 stars

The overall experience was generally…

The overall experience was generally positive. The area that drops them to two stars is what they actually cover in terms of costs. They don't have vendors in which they work with in our area (we live in a major metropolitan area) so we had to find our own repair vendor. After having them out, we were quoted a cost of $850 to repair our broken AC unit to band-aid fix it (aka, just get it running again). We called in as we were told to and they talked to the repair person. After all conversations, this warranty group only covered $150 of the $850 repair. Their reasoning why was because they is all the part would cost per their records and for vendors they contract with. Great, then have people you contract with in our area, or be expected to cover more of the costs. At this point, we are looking to drop our coverage. It isn't worth it. When our water heater was draining water onto our basement floor, they wouldn't cover anything cause technically the unit still worked, having an inch wide leak that was trying to flood our basement, didn't make it inoperable.

July 28, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thank you for sharing your experience. We understand your frustration with the repair costs and are sorry the claim outcome did not meet your expectations. Coverage was approved for the failed contactor based on the terms of your agreement. We appreciate your feedback and the opportunity to review your concerns.

Rated 5 out of 5 stars

Soooo many comments on the excellent…

Soooo many comments on the excellent service I could make. They even spoke with the technician that worked on our washer!!! Super communication with us. Communication with us is always an essential key to great service.

August 4, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for sharing.

Rated 2 out of 5 stars

My experience with this home warranty…

My experience with this home warranty company was disappointing. The representatives I spoke with were knowledgeable, but they came across as indifferent. Their responses were very matter-of-fact, and I never felt like they genuinely cared about my situation or tried to help.

While the warranty plan initially seemed comprehensive, I learned that it primarily covers minor repairs and often does not pay the full cost of major replacements. I think this is something potential customers, especially first-time homebuyers, should be aware of before purchasing a plan.

I also had a frustrating experience with the billing department. I had to go back and forth multiple times because they repeatedly claimed that my paid invoice for a new refrigerator was missing my address and other required information, even though it was clearly included on the document. I couldn't help but think that an older customer or someone less comfortable dealing with paperwork might have struggled to prove the information was already there.

Based on my experience, I would not recommend this home warranty company, particularly to new homebuyers looking for reliable coverage and customer support. A little bit of compassion can go a long way..

July 28, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Jamie, we're sorry your experience left you feeling disappointed. While our representatives worked to explain the coverage available under your plan and assist with the reimbursement process, we understand that claim limitations and documentation requirements can be frustrating, especially, when dealing with the stress of appliance breakdowns. We regret that our coverage terms and reimbursement specifications did not meet your expectations. We appreciate your feedback and wish you all the best.

Rated 5 out of 5 stars

This was my first time calling Home…

This was my first time calling Home Warranty with a claim. They recommended a service company. Someone came to my home within a few hours of contact. The service man came and replaced the part on my refrigerator in less than an hour and it has been running well since. It was quick and efficient.

August 3, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for sharing.

Rated 1 out of 5 stars

Home warranty is a scam

Home warranty is very selective on what they choose to cover in your home. I have been a loyal customer since 2023. I submitted a claim to repair my microwave and they rejected it, because it was a convection microwave. And this was never disclosed to me when I signed on in 2023. Now when I want to cancel, they want me to write a letter and mail it in. When I don't have an account number and there is no sign-in on their website. I would not trust this company at all.

August 4, 2026
Unprompted review
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Lafayette, we're sorry this experience left you feeling frustrated. Your claim was denied because the appliance was identified as a convection microwave, which is not covered by the plan. We appreciate your feedback and wish you all the best moving forward.

Rated 5 out of 5 stars

Exceptional Service

The online claim form was easy to use. When the technician arrived, calls to your office were answered quickly. Your representatives were polite and efficient. My claim was resolved and payment was issued in less than a week! I'm absolutely blown away by the exceptional service!

July 31, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for sharing.

Rated 5 out of 5 stars

Thumbs up

Easy to communicate

August 3, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for sharing.

Rated 1 out of 5 stars

I didn’t have the option to choose your…

I didn’t have the option to choose your company when we bought this house, but I would never choose you. Previous warranty companies would replace appliances. We just bought our house 8 months ago, and our HVAC just went out. You make it sound like a perk for us to choose our own company to come out, but we’ve learned quick that a lot of companies will not work with you.

August 3, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thank you for your feedback. We're sorry to hear about the challenges you've experienced while dealing with your HVAC issue. We understand how frustrating it can be when you're trying to get service and encounter difficulties finding a contractor who is willing to participate in the claims process. We appreciate you sharing your experience and will use your feedback as we continue working to improve our service.

Rated 5 out of 5 stars

Easy to work with

Easy to work with! Able to get a hold of someone immediately had my issue resolved within days. Ease of mind knowing how reliable and quick I was able to resolve my issue.

July 27, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Glad to hear! Thanks for the review.

Rated 4 out of 5 stars

Claims personnel handled submitting the…

Claims personnel handled submitting the claim did a good job. Claim has not yet been paid. I submitted the original invoice without including my street address. A second copy of invoice was submitted with the proper address included. I’m awaiting the claim being
paid.

July 30, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks for the feedback - we needed proper address information to match the invoice to the claim. Your reimbursement was processed 7/31 and mailed the next business day. Please allow 7-14 business days for your payment to arrive via USPS.

Rated 4 out of 5 stars

Authorization handling went well, but not reimbursemnent

The authorization handling went well, but the reimbursement process was mishandled. Had to call to identify everything was sent properly.

July 22, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks for the feedback. We show we finally received a copy of the paid work invoice on 7/13 and processed your claim that same day.

Rated 1 out of 5 stars

Took too long to resolve the claim.

Took too long to resolve the claim.
Still have not been paid.
Details were not clear.
Submitted invoice twice before accepted.
Not aware of a cap on clothes washers.

July 28, 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thank you for your feedback. We're sorry to hear this claim experience did not meet your expectations.
We understand your frustration with the time it took to resolve the claim. Our records show that a reimbursement check for $500 was approved and mailed on July 29.
We also understand your concern regarding the coverage limit. As outlined in your service agreement, clothes washers are subject to a $500 maximum benefit for the plan level you selected. While coverage details may not always be top of mind, we appreciate the opportunity to clarify them.
Thank you for your continued business over the years.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look