Home Warranty Inc. Reviews 

610
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

610 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

(610)

606 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

Absolutely despicable with…

Absolutely despicable with communication. One minute my issue is covered, the next minute it’s not covered. They claim they didn’t receive the proper documentation. Needless to say five days have passed without a resolution. And I have to be the one constantly calling them to get information and updates. And the reimbursement for my issue isn’t even worth it! I discouraged the use of this company!

19 June 2026
Unprompted review
Home Warranty Inc. logo

Reply from Home Warranty Inc.

We are not able to see a customer name or email - we invite you to reply to the request for information so we can properly review your claim and verify you are a client. Thank you!

Rated 2 out of 5 stars

Not happy..

After having this warranty paying 54.00 a month for 14 yrs and used it for mini claim of a few hundred dollars.our air went out ..we only got $1000.00 pd of the 8. It cost us.so not worth it.company putting in unit cand j was wonderful.but im considering looking for new warranty company.

18 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

So sorry to hear you are not satisfied. Looks like we have previously replaced the fan motor and ECM motor on this and fixed a condensate leak. The evaporator coil was the issue this time - all other parts were working. We see you ended up taking the repair money towards replacement instead of opting for another repair. We did not pay to cover non-failed parts - only the actual failed part - and we always give the option to take that towards new.

Rated 5 out of 5 stars

Easy To Get Things Done Fast

The ease of talking to someone and how swiftly they handled the process of getting someone out and getting my check for warranty work. Great company to work with!

18 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for sharing.

Rated 5 out of 5 stars

Easy to file claim online

Easy to file claim online. Recommended contractors were excellent. Great help with questions when I called.

15 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks so much for the review!

Rated 1 out of 5 stars

Bad Experience

Given approved name/ph# of contractor to do diagnosis & call. Contacted them - they don’t work with you guys.
So u gave another number, they said same thing. So cust Svc guy (Carlos) said I’ll need to find my own contractor and - good luck. This is a scam and will be reported to BBB, etc
Reply given to this message is not accurate regarding contractors. Neither have anything to do with this company. Beware.

15 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

We certainly regret the inconvenience. The first contractor advised your address was five miles outside of his acceptable territory and the second advised that he only worked on limited brands. We have since adjusted their service profiles. These contractors are all independent and not employees of our company. Therefore we cannot always guarantee availability and hence give clients the ability to choose their own contractor. We will work with any company you choose and will advise of coverage once we receive diagnosis and before work is performed.

Rated 1 out of 5 stars

Just got my “check” from home warranty…

Just got my “check” from home warranty claim. After being told they would send a $1500 check (after being told a whole ac unit needed to be replaced) they send was a whooping $450! Make that make sense! Proving more and more home warranty is nothing but scammers and crooks!

15 June 2026
Unprompted review
Home Warranty Inc. logo

Reply from Home Warranty Inc.

We are not able to see any customer data so not able to confirm whether this is a client? Have requested more information so we can respond appropriately.

Rated 1 out of 5 stars

Useless. Do Not Use!!!!

I bought a house. The people that sold it bought a home warranty through Home Warranty Inc, for a year. Last month, I started having AC issues. The gave me the number for an absolute horrible AC repair person. He was at my house for 3-5 minutes. Told me the freon was low. He wouldn't answer any of my questions. After 4 days of not hearing anything, i called another company. They did a proper inspection. The AC was not low on freon. Turned out the gas heater had a hole in it. The AC was clogged with dog hair from the people that last owned the house. I do not have any pets. Long story short, I had to get the system replace. $16840. Home warranty did absolute nothing. No help. Find another company. DO NOT USE Home Warranty Inc!!!!
What HomeWarranty wrote below is false. The freon was never topped up. The tech that you recommended, was here only once, for 5 minutes at the most. He never came back, as I told him it was not low, and that I had called someone else. He did a really bad job. Didn't check the whole AC. The other company I called, did a really thorough check. Told me honestly and exactly what was wrong and what I needed.

30 April 2026
Unprompted review
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Upon reviewing your claims, your furnace was under manufacturer's warranty, hence we rerouted you to them for claim filing. On the air conditioner, it was two pounds low on refrigerant. The tech topped it off. After the recall request, the tech advised that you indicated it was working again and canceled the claim call. Damage due to pet or pest issues would not be normal wear and tear.

Rated 4 out of 5 stars

Just wish I could explain to the tech…

Just wish I could explain to the tech what was going for the whole issue with the A/C and the blower unit. Instead had to make 3 claims to solve the problem.

12 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Thanks for the feedback! We will review with the service company.

Rated 5 out of 5 stars

Timely response

Timely response. Great customer service. Easy process for submitting claims.

4 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for sharing.

Rated 1 out of 5 stars

Lied about claims process

at first they told me everything would be put under one claim and that I would have a single deductible. Then they split the claims and would only cover 30% of the cost for the second part. When I called to tell them that I was told it both repairs were connected and that I was told that it would be one claim, Ron did everything possible to get me to say something that would disqualify the first approved claim from being covered. I told him I'm not the repair tech and don't know how to explain what happened. He then said that they don't cover subsequent repairs and that the second claim would be deleted completely. The second part was discovered a couple of hours after the first repair was made. How is this subsequent? Obviously both parts failed but it takes a while to notice the air is not cooling and to have the tech return. He can't just camp out at my house until the temperature drops. Before I could get the number of the second claim, he deleted it from the system without a trace. He claimed that the calls were transcribed and that at no one ever told me it would be one claim or that it would be covered which is not true. He claimed to be reading it and it was clear it was a summary, not what was actually said. He did not provide the transcripts or the contract which he states doesn't cover "outside lines" (which is not what was broken) or the second part that was needed to repair the initial breakdown. All he said is "that's just the way it is". The contract is not available for viewing anywhere in the portal either. The links take you in a loop. Why would they not make it available unless its to be able to interpret the language to their benefit. He also claimed that they tried to contact me and I didn't answer so that's why another company (of their choosing) was assigned to it even though I had somebody working on it. I was told my company is in network so that was not the issue either. He just wanted an excuse to not pay for anything. He can take my bad explanation of what happened as a reason to cancel a claim but will not honor the statement made by the other rep. If anything, he should have called the repair company for a proper explanation and adjusted the claim accordingly like the first lady had done. The claims department reached out and I accepted the resolution. However, I am leaving the review as is because all this still had to happen in order to achieve a fair outcome.

31 May 2026
Unprompted review
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Service Management reached out today to resolve this - if we have improved your opinion of us, please consider a revision to your review.

Rated 5 out of 5 stars

Serviceman very good

The serviceman you recommended was great.
Prompt service.

2 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Will let them know.

Rated 5 out of 5 stars

Easy Fix!

The CS rep was extremely helpful and courteous. The claim was completed the next business day after being opened on a Sunday no less. Fix was completed quickly, no hoops to jump through regarding payment or otherwise. Easy process all the way around and pleased with current results.

10 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for the review.

Rated 5 out of 5 stars

I called and immediately I received…

I called and immediately I received notice that my claim was accepted and we called the air conditioning service the next morning and the tech was out by 10:30 am and diagnosed the problem and two hours later returned with the new board. The air was up and running by the afternoon. I am very greatful!

10 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Love to hear this! Thanks for the review.

Rated 5 out of 5 stars

Awesome customer service

Awesome customer service! It was our first time needing to request service. It was perfect. Very responsive and helpful. And best of all, an English-speaking human answers the call.

2 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Yes! 100% US Based call center - honored to serve.

Rated 5 out of 5 stars

Spin Cycle Repair and Sales are the…

Spin Cycle Repair and Sales are the best apliance Repair service. Why try the rest when you can get the best, Spin Cycle Repair and Sales!!

9 June 2026
Home Warranty Inc. logo

Reply from Home Warranty Inc.

Spin Cycle is a great servicer for us - thanks for the shout out!

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