Home Warranty

What Home Warranty does

Home Warranty Inc. (legal entity: Home Warranty of the Midwest, Inc.) is a privately held home warranty service provider founded in 1998 and headquartered in Rock Rapids, Iowa. The company sells annual and monthly subscription plans that cover the repair or replacement of household appliances and mechanical systems (heating/cooling, plumbing, electrical, kitchen appliances) against normal wear and tear, with tiered Core, Signature, and Executive plans priced roughly $625-$1,025 per year and Florida-specific monthly equivalents of $54-$89. It also offers supplemental, seller-listing, new construction, inspector, and property-manager plans, plus add-ons for smart-home electronics, surge protection (SurgeShield), exterior lines, and a complimentary Home Concierge utility-setup service. Distribution is direct-to-consumer via the website and a 1-877 sales line, augmented by a partner portal ecosystem serving real estate agents, home inspectors, builders, and a network of preferred contractors delivering nationwide coverage across all 50 states.

The underlying technology stack is described as a home warranty service coordination and claims management system; there are no disclosed AI/ML capabilities, APIs, SDKs, or proprietary models. The business model is recurring subscription revenue with ancillary one-time fees (e.g., seller coverage), supplemented by add-on module subscriptions. Customer segments span individual residential homeowners (primary), home sellers, new construction buyers, property managers, and home inspectors, with customer acquisition driven by partner referrals, a $50-per-referral program, social media, BBB A+ accreditation, and a 4.3/5 Trustpilot rating as trust signals. Ownership is private and undisclosed, with no parent company, no institutional funding, and no M&A activity on record.

Name

Home Warranty

Legal name

Home Warranty of the Midwest, Inc.

Website

https://homewarrantyinc.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Home Warranty Inc. is a privately held, Iowa-based home warranty provider selling subscription plans covering appliances and mechanical systems to residential homeowners across all 50 states via direct-to-consumer and real-estate partner channels.

Ownership category

akta.pro rank

Product category

Home Warranty Services

NAICS

Appliance Repair and Maintenance (811412)

SIC

Services-Miscellaneous Repair Services (7600)

akta.pro industry

PRIMARYFSAJALAG

Home Warranty / Residential Service Contracts (Systems & Appliances)

Financial & Insurance/Insurance — Motor, Property & Casualty/Warranty & Service Contract / Mechanical Breakdown Insurance

SECONDARYFSAJALAI

Appliance & Major Home Equipment Protection Plans

Financial & Insurance/Insurance — Motor, Property & Casualty/Warranty & Service Contract / Mechanical Breakdown Insurance

Keywords

• Home warranty plans
• Appliance protection coverage
• Mechanical system warranty
• Home repair service plans
• Real estate warranty

Headquarters

HQ city

Rock Rapids

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Home Warranty Subscriptions: Recurring annual or monthly subscription fees for home warranty protection plans covering appliances and mechanical systems. Plans range from basic Core coverage to premium Executive protection with various tiers and add-ons.
2. Additional Coverage Add-ons: Optional add-on services including electronics protection, smart home coverage, surge protection, and exterior lines coverage sold as supplementary subscriptions.
3. Seller Listing Coverage: Free 6-month seller's coverage for homes actively for sale, with optional $75 premium upgrade add-on.
4. New Construction Multi-Year Plans: Multi-year warranty plans for new construction homes covering Years 1-4, with pricing tiers for Executive, Signature, and Core plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Home Warranty Inc. provides subscription-based home warranty service plans that protect homeowners from the cost of repairing or replacing major appliances and mechanical systems that fail due to normal wear and tear. Coverage spans heating, cooling, plumbing, electrical systems, and kitchen appliances, with tiered plans (Core, Signature, Executive) plus optional add-ons for electronics, smart home devices, surge protection, and exterior lines. The company also offers specialized plans for home sellers, new construction properties, home inspectors, and property managers.

Product overview

Home Warranty Inc. offers a portfolio of home warranty service plans covering appliances and mechanical systems. The core products are the Core, Signature, and Executive Home Protection Plans, with tiered pricing and coverage levels. Additional add-on modules include Electronics & Smart Home Protection, SurgeShield programs, Exterior Lines Protection, and Home Concierge services. The company also offers specialized plans for inspectors, new construction homes, and sellers listing properties for sale.

Differentiator

Problem solved

Functional benefit

Brands

• Smart Home Protection: Electronics and smart home device coverage including computers, entertainment systems, and home automation.
• SurgeShield
• Exterior Lines Protection
• Home Concierge

Products and services

• Core Home Protection Plan Entry-level subscription plan providing comprehensive coverage for 20 essential mechanical systems and appliances throughout a home, including heating/cooling, plumbing, electrical, and kitchen appliances. Priced at $625/year.
• Signature Home Protection Plan Mid-tier subscription plan including everything in the Core plan plus premium coverage such as kitchen refrigerator with ice maker. Priced at $825/year.
• Executive Home Protection Plan Premium subscription plan including everything in the Signature plan plus additional coverage such as 2 heating & cooling units, air exchanger, ductwork, tankless water heater, and exterior lines coverage. Priced at $1,025/year.
• Supplemental Protection Plan

Quantifiable outcome

• 4.3/5 Trustpilot rating

Named customers5 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Preferred ContractorscoreChannel Partner/ Reseller/ DistributorNetwork of qualified service contractors providing repair and replacement services for covered appliances and systems. Technicians available 24/7 to diagnose and repair covered items.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• American Home Shield: The largest U.S. home warranty provider, owned by Frontdoor Inc. Offers comparable appliance and systems protection plans nationally. Direct head-to-head competitor on plan tiers, pricing, and real-estate channel partnerships.
• First American Home Warranty: Major national home warranty provider with deep real-estate and title-affiliate distribution. Directly comparable subscription plans, partner-portal channel, and bundled offerings to home buyers and sellers.
• Liberty Home Guard: National home warranty carrier selling tiered appliance and systems coverage with strong digital onboarding and real-estate channel. Comparable product structure and direct-to-consumer GTM motion.
• Choice Home Warranty: National home warranty carrier selling tiered plans to homeowners and real-estate partners. Competes directly with Home Warranty Inc. on Core/Signature/Executive-style plan structures and contractor-network delivery.
• Cinch Home Services: Multi-brand home warranty provider (formerly Cross Country Home Services) offering appliance, systems, and electronics plans nationally. Directly comparable in product breadth, add-on catalog, and channel mix.
• Landmark Home Warranty: Regional-to-national home warranty carrier with comparable plan tiers and real-estate partner distribution. Competes in similar SMB/homeowner segment with analogous subscription pricing.
• 2-10 Home Buyers Warranty: Leading new-construction home warranty provider with builder and inspector distribution. Directly comparable on multi-year new-construction plans, builder partnerships, and structural/mechanical coverage.
• Old Republic Home Protection: Established home warranty carrier with national real-estate channel and tiered subscription plans. Comparable product set, claims-management infrastructure, and partner-portal distribution model.
• HSA Home Warranty: National home warranty provider offering tiered appliance and systems plans to homeowners and real-estate partners. Comparable subscription pricing, plan structure, and direct-to-consumer plus partner-channel GTM.

Broad incumbents

• Frontdoor: Parent of American Home Shield and Streem; broader home-services platform offering warranties plus on-demand repair. Overlaps with Home Warranty Inc.'s core warranty product as part of a much larger portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/HomeWarrantyInc
• Facebookfacebook.com/homewarrantyinc
• LinkedInlinkedin.com/company/homewarrantyinc
• Instagraminstagram.com/homewarrantyinc

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Home Warranty