Home Warranty Inc. Reviews 

613
TrustScore 4 out of 5

4.1

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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
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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

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4.1

All reviews

(613)

606 reviews in the last 12 months

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Rated 5 out of 5 stars

Customer service always goes above and…

Customer service always goes above and beyond to help us resolve whatever issues we’ve had, and we’ve unfortunately had a couple. Directions on how to submit receipts for our claim and the next steps in the claim are always clear and if we call back with questions, they take the time to answer them without feeling rushed.

21 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Happy to help! Thanks for taking the time to review!

Rated 3 out of 5 stars

Very difficult to answer questions

Very difficult to answer questions, could not explain things in a timely manner.

22 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks for the feedback - our Quality Assurance team is reviewing the calls and interactions from your claim and will train up as needed.

Rated 5 out of 5 stars

The claims process is quick and…

The claims process is quick and efficient. No red tape to fight through

21 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

There is enough red tape in the government - we try to keep it "red tape free" here! Thanks for the review! Much appreciated.

Rated 5 out of 5 stars

Clear communication

Home warranty had clear communication on the steps to take, how and what information they needed in order to finish my claim. I appreciate the service, and follow through.

14 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

We appreciate having you as a client! Thanks for taking the time to review.

Rated 5 out of 5 stars

Never have a problem

Never have a problem! Ty for everything. Thankful for thecwarranty

21 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thankful to have you as a customer! Appreciate the review.

Rated 5 out of 5 stars

Home Warranty Inc

Home Warranty Inc. is on top of it. Had a technician on site within an hour or so. The technician diagnosed the problem and had the parts ordered before they left. They assured us that this issue would be taken care of and no disruption to anything and followed thru with their word. I have had a couple home warranties and I am here to tell you they are the best of the best. Top shelf service and technicians. Thank you guys for standing up to your commitment and customer service.

30 March 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for taking the time to review your experience.

Rated 1 out of 5 stars

The claim was closed before I could…

The claim was closed before I could schedule the appointment. There should not be a specific timetable for an appointment to be made when you're asking for someone to be present for tge appointment as that requires coordinating schedules, sometimes with multiple people.

10 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Hi Sarah - we do not see a closed claim for you? There are two from 6/11 that are both in "Scheduling" status - waiting on contractor diagnosis. The other two are in Approved Paid status. The request for review was based on the most recent paid furnace claim.

Rated 1 out of 5 stars

This warranty is terrible

This warranty is terrible. They will not repair or replace a failed system. They cover only specific parts and only up to a small cap. My central air conditioning failed. It was an R22 system which is no longer used. They did not have a contractor of their own, so I had to find one. After contacting 4 local contractors, none of them would work on a R22 system. So my central ac had to be replaced. I purchased additional coverages to the original warranty plan provided with my home purchase. That proved to be useless. They did not have my system repaired or replaced. I was left without air conditioning for over a week during a heat wave. And I'm a disabled Veteran. Their marketing and advertising material makes coverage sound great and sufficient. It is anything but. They paid $1,500.00 for the ac part that failed and $500.00 for freon conversion, which they originally missed. I had to pay the entire cost out of my pocket, and then wait for reimbursement of the covered amount from the home warranty. A $2,000.00 reimbursement payment to me was an insult and did not cover even half the cost of the needed ac replacement. I was left having to pay the balance of this expense. They also advertise "emergency heat and ac units." That's not true. They'll only provide a unit if claim approval takes longer than 48 hours, and the coverage amount is capped at $150.00. That will cover nothing. You could be weeks without heat or ac and this company will do nothing. I talked to the claims representative on my claim. He was unhelpful and very "smug" in his response, hiding behind contract terms and small cost caps. This warranty company is next to useless and will pay out a very small amount compared to the actual cost of repair/replacement. You will be on your own and left with a large bill. What a waste of money. Be ware. I would avoid this company!!!

13 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Sorry to hear of your disappointment. We aim to be as transparent as possible with our claims coverage, outlining our reimbursement amounts by component level in the terms and conditions.

Rated 5 out of 5 stars

Warranty process was quick and easy

Warranty process was quick and easy. They made it very clear as to what was covered and what wasn't and paid promptly.

10 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Glad to hear! Thanks for the review.

Rated 1 out of 5 stars
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks for the feedback - we do have different plan levels with higher dollar limits. We aim to be as transparent as possible on our coverage, even down to the component level. We certainly regret you were less than satisfied.

Rated 5 out of 5 stars

The staff are so friendly

The staff are so friendly. They ask questions to make sure they know exactly what's going on. Gives all the information needed.

14 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Glad to hear! Thanks for the review.

Rated 5 out of 5 stars

Quick filing of all claims

Quick filing of all claims, and they take care of it all with quick reimbursement.

15 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Great to hear - thanks for the review!

Rated 1 out of 5 stars

I've been paying for this home warranty…

I've been paying for this home warranty for 19 years. However, when my 32-year old A/C unit failed, I was offered a fraction of what it would cost to fix it. I would have been FAR better off to save my money over 19 years than pay for this useless warranty. Needless to say, I promptly canceled and would not recommend.

6 July 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

We regret to hear of your dissatisfaction. The issues with your AC were all part of the outside condenser unit so that is what we priced for replacement at its current capacity (3 ton). We understand you wanted to replace the inside components as well however they were still in working order.

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