The home warranty fills in valuable coverage where your homeowners insurance doesn't apply. To secure the best protection for your home and your budget, you need both homeowners insurance and a home warranty. A home warranty covers costly home repairs and replacements due to normal everyday use. It's not your homeowner's insurance policy; a home warranty is a separate contract covering repairs and replacements on systems in your home. Home warranties cover many, but not all, of your home's appliances and systems. Contract costs and coverage can vary widely, so always compare before purchasing.
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And signing up for the service was fast, simple, and easy. I did everything online and I've had to call just to make sure they were getting the information. I've submitted several claims and doing it online has been fast and easy. Their online site is very user friendly. The quality of service has been excellent so far and as far as them finding the subcontractors and contractors, it has been so ideal. I love it. Having Home Warranty of America is definitely worth it. 3 weeks ago, I called the claims dept. I explained the situation and asked to verify that the issue would be covered. I was told yes. So they send out the vendor and I pay the $75 copay plus tax.