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 shop
  3. 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 5 out of 5 stars

I have had other warranties before and…

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 real person answers quickly, they are helpful, and have sent payment in no time.

30 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Happy to help! Thanks for the review.

Rated 5 out of 5 stars

It was a simple process to start our…

It was a simple process to start our claim and get the needed work approved. We received a check for the amount about a week later! It was great!

10 August 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for the review.

Rated 5 out of 5 stars

The claim representive was great

The claim representive was great, she took her time to explain the differences in the plans and which one would be better for me. The service technician was awesome, he was up front about the repairs and the cost

13 August 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for the review.

Rated 4 out of 5 stars

Heisler Home Warranty

I would say our experience was pretty good with the service people hired to come in and fix our problems. However, we had to fight with Home Warranty to get our two claims covered when we bought the most comprehensive warranty from them.

13 August 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks for your feedback. We're glad the service providers were able to resolve the issues. Although warranty coverage is governed by the terms of the agreement, we were happy to work with you and help resolve both claims. We appreciate your business and your comments.

Rated 1 out of 5 stars

Home warranty is very misleading

Home warranty is very misleading. You think you covered with certain things and are let down. Read the very fine print of terms. Service providers cover the very minimum they are required to nothing more. Poor service

16 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thank you for sharing your experience. We understand that claim outcomes can be disappointing, especially when replacement costs exceed coverage limits. We base our decisions on the terms and coverage limits of the Home Protection Plan Agreement. We appreciate the opportunity to assist with your claim and thank you for your feedback.

Rated 1 out of 5 stars

Home Warranty, Inc specializes in "gotcha"

I purchased a condo last year and bought your warranty protection for the first year. The HVAC has been dripping water this summer. I have a contract with a local company (Tiger Plumbing/Heating/AC) who came out yesterday and did a band-aid fix of applying duct tape. They then sent me two proposals for addressing the real problem (coils, etc). I called your representative to find out the procedure for proceeding with one of those proposals. I was informed that I no longer qualified for filing a claim with HWI because someone else had already worked on the system. Nice warranty. Nice loophole. I don't have any respect for a company that plays this game of "gotcha".

11 August 2026
Unprompted review
Home Warranty Inc. logo

Reply from Home Warranty Inc.

A member of our team reached out to you for resolution. Please return their phone call at your earliest convenience. Thanks!

Rated 5 out of 5 stars

I don’t like the 100 dollar deductible

I don’t like the 100 dollar deductible; but they do answer and make the payments.

10 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks for the feedback! We do have a no deductible plan but the limits for replacement are a little lower. Certainly give us a call if you wish to discuss.

Rated 5 out of 5 stars

Your company is very easy to deal with

Your company is very easy to deal with. The technician said you are the best home warranty company he has dealt with. You ask pertinent questions and don't try to put words in the technician's mouth.

10 August 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Great to hear! Appreciate the review!

Rated 3 out of 5 stars

Approval of work, but problems getting reimbursed

I contacted Home Warranty regarding my air conditioner. They spoke directly with the HVAC company owner. A representative from HW called me and told me I was approved for 1015.00. I needed to submit a paid invoice receipt to the email link they will send me. That was submitted. 3 days later, I called to verify receipt and that everything was there they needed. They told me it was great and they will forward it for payment. I received a check for 150.00 not the 1015.00. No explanation, no email stating they needed anything else. I called and spoke with two different people. A supervisor was suppose to call me back. Never did. I called back again today, evidently a long list of people for the supervisor to call back. I must have been at the bottom. The rep today tells me they needed something about coil information. Now I have spent several hours trying to follow up on this when it was previously approved. Numerous wasted hours tracking this down for payment when it was previously accepted for payment.
Update- they were requesting information regarding a coil replacement. HVAC owner stated they never discussed a coil replacement.
Called back and spoke with a very helpful lady who said they only needed further info regarding pounds of refrigerant added etc. I immediately sent the info over. I called to follow up of receipt. I got the previous person who said they need the coil info. There is NO COIL info.
I asked to be transferred to the original person who told me what to send. Instead she contacts a supervisor but FAILS to mute me and I listened to
the call with her supervisor. I was eventually transferred to the original
person. She followed up, took care of the situation, contacted me later to tell me all has been resolved and it is sent over for full payment.
Theresa Renee was so helpful,
educated and resolved my issues in a professional and timely manner.

2 August 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Hello Pam, Thank you for your feedback. We're sorry for the frustration and confusion regarding your claim. Our records show that the invoice submitted did not include documentation for all of the approved repairs, so reimbursement was issued only for the portion that was documented. We would be happy to review any updated documentation from your HVAC contractor for additional reimbursement available under your agreement.

Rated 5 out of 5 stars

Streamlined Experience

Easy to file a claim, worked with my repair company and the payment was remitted quickly.

30 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thank you for your review! We're pleased to hear the claim process was easy and that we could coordinate with your repair company to help resolve the issue quickly. We appreciate your feedback and thank you for choosing us.

Rated 5 out of 5 stars

Fast. Fair. Reliable. AAA+ Protection.

Excellent customer service. Immediate response to my claim, assistance with finding a technician, fair compensation and very quick payment.

You simply can't have better piece of mind than knowing these people are there when you need them.

3 August 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thank you for the wonderful review. We're glad we could be there when you needed us and provide the service you deserved. We truly appreciate your trust and feedback.

Rated 5 out of 5 stars

Easy to work with

Easy to work with, they made a stressful situation less stressful…

10 August 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thank you for your kind words. We're glad we could help make a stressful situation a little easier and appreciate you trusting us to assist you.

Rated 5 out of 5 stars

Staff was always very helpful

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 had was locating where to upload my purchase receipt/ invoice but once I did it was very easy!

5 August 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Great to hear! Thanks for the review.

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