customer
Disappointing
Disappointing that I pay for this warranty yearly and the whole claim isn't paid when I need it.
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.
Home Warranty Inc. (homewarrantyinc.com) has 694 customer reviews on Five Star Index, with an average rating of 4.1 out of 5.
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Showing 54 reviews with 3 stars · Clear filters
customer
Disappointing that I pay for this warranty yearly and the whole claim isn't paid when I need it.
HCYuma
It's too difficult. too many calls. too much work to get reimbursed.
Response from Home Warranty Inc.Oct 15, 2026
Thank you for your feedback, and for choosing Home Warranty. We’re sorry the process felt like more work than you expected. Because our plans reimburse repairs made by the homeowner’s chosen technician, a few steps are required, including authorization before the repair and a paid, itemized invoice afterward. Your comments will be shared with our claims team as we look for ways to make the process easier. We value having you as a customer.
customer Claud H.
Quick service but was disappointed in the amount that was approved.
Response from Home Warranty Inc.Oct 15, 2026
Thank you for your feedback, and for choosing Home Warranty! We’re glad our team was able to move your claim along quickly. We understand it’s disappointing when the approved amount is less than the full repair cost. Coverage amounts are based on the limits listed in your plan for each covered component. We truly value having you as a customer and appreciate you sharing your experience.
Tiffany
Appreciated that the claim process moves forward even on weekends. The biggest issue was the refund amount, it doesn’t even cover half the cost of repair on broke parts.
Response from Home Warranty Inc.Oct 9, 2026
Thank you for choosing Home Warranty, and for sharing your feedback. We're pleased the claim process kept moving for you, even on a weekend. We understand it's disappointing when a repair costs more than the plan pays. Each covered item has a coverage limit set out in the plan terms, and your claim was paid in line with those terms. We appreciate your comments and have shared them with our team.
customer
I had an issue with my thermostat that had to be replaced. After paying 100.00 for the call from the technician home warranty only paid 150.00 I had to pay 167.00…..so all together I paid 267.00 for a simple thermostat, which was no even a programmable one. I was very disappointed in the small amount that was paid
Response from Home Warranty Inc.Oct 14, 2026
Thank you for choosing Home Warranty, and for sharing your feedback. We’re sorry the out-of-pocket cost was more than you expected. We’ve reviewed your claim with the service provider, and it was paid in line with the plan’s service fee and coverage limits. If you believe you were charged more than your share, please send your proof of payment to our claims department and we’ll look into it right away.
Holly B.
It was easy to make a claim, but it didn’t cover the work that was done.
Response from Home Warranty Inc.Oct 1, 2026
Thank you for the feedback, and we're glad the claims process itself was quick and easy. For this type of repair, your plan includes a set coverage allowance rather than full replacement cost, which is why it didn't cover the entire job. We understand that's disappointing, especially for a repair this size, and we truly appreciate you choosing Home Warranty of the Midwest. If you'd like to go over your plan's coverage limits in more detail, we're happy to walk through it with you anytime.
customer
It was not made clear exactly what i had to send in to get the payment approved, then i sent in the right in formation and was told it was missing the address the work was done at.
Response from Home Warranty Inc.Sep 21, 2026
Thank you for the feedback. We're sorry the instructions for what to submit weren't clear and that it took an extra round to get the correct information sorted out. We're always looking to make that process more straightforward, and we appreciate you sticking with it and sharing your experience. Thank you for being an HWI customer.
customer
Not the friendliest customer service experience
Response from Home Warranty Inc.Sep 17, 2026
Thank you for sharing your feedback. We're sorry the process didn't feel as friendly as it should have, and we appreciate you working with us through the documentation details. Your business means a lot to us, and we're glad we could get things resolved. Please don't hesitate to reach out if there's anything else we can help with.