• Annual Cost: From $475 to $675 for houses, and $455 to $655 for condominiums.
  • Waiting period before coverage: 15 days
  • Deductible: $75
  • Claim processing time: 24 to 48 hours
  • Repair guarantee: 60 days

Nations Home Warranty Reviews, Coverage, Prices [2021]

Fact-checked
  • Annual Cost: From $475 to $675 for houses, and $455 to $655 for condominiums.
  • Waiting period before coverage: 15 days
  • Deductible: $75
  • Claim processing time: 24 to 48 hours
  • Repair guarantee: 60 days

Best For

Essential Systems and Appliances

STRENGTHS

  • Covers construction modification and lawn maintenance works that most other companies don’t
  • Competitive pricing
  • Only 15 days waiting period compared to 30 for most companies

WEAKNESSES

  • Only service providers accredited by Home Nations Warranty can be used
  • Limited locations as it only serves Dallas and Fort Worth

Whether you’re purchasing a freshly built new home or a pre-owned property, there will always be expenses along the way. Here’s where Nations Home Warranty comes in. This warranty company has been serving Dallas & Fort Worth residents since 1996, covering major home systems’ and appliances’ maintenance and replacements.

Nations Home Warranty reviews point out that the company is considered reliable by many customers.

We will evaluate the company:

  • pros and cons
  • service packages
  • actual customer reviews

We’ll also show you a few other reputable companies as alternatives. By the end of this article, you should be able to decide whether Nations Home Warranty is the best home warranty provider for you.

Nations Home Warranty Breakdown

States Covered

Nations Home Warranty operates its business only in the state of Texas. If you live on the West Coast, you might, for example, look at the best home warranty companies in California.

Waiting Period

Unlike most other home warranty companies that have a 30-day waiting period policy, Nations Home Warranty’s waiting period is only 15 days. Customers can start filing claims as quickly as 15 days after purchasing a coverage plan.

Deductible

Nations Home Warranty charges a cost of $65 as deductible which is quite fair compared to the industry average.

Renewal Policy

Customers can renew their policy at any time. Should you wish to renew your home protection, it is recommended to call their hotline and speak to a service representative.

Cancellation Policy and Fee

Nations Home Warranty charges a $50 cancellation fee which is higher than most other companies.

Service Call Fee

A service call fee of $65 is charged for every customer filing for a claim.

Home Inspection or Maintenance Records Required

Nations Home Warranty does not require a home inspection or maintenance records check for policy subscription.

As part of our Nations Home Warranty review, here’s a breakdown of the basic information you need to know:

Feature / Benefit Details
Annual Cost From $475 to $675 for houses, and $455 to $655 for condominiums.
Waiting period before coverage 15 days
Deductible $75
Claim processing time 24 to 48 hours
Repair guarantee 60 days

Nations Home Warranty Plans

Basic Preferred  Ultimate
Pricing (House) $475 $565 $675
Pricing (Condominium) $455 $545 $655
Systems / Appliances Included
  • Air Conditioning / Heat Equipment
  • Air Conditioning Units
  • Ceiling Fans
  • Doorbells
  • Electrical System
  • General Pest Control
  • Garbage Disposal
  • Built-in Microwave Oven
  • Plumbing and Plumbing Stoppages
  • Re-Key Service and Reprogrammable Garage Door Remote
  • Rodent Coverage
  • Sump Pump
  • Water Heater
  • Carpet Cleaning Service
  • Semi-Annual Checks
  • Carpenter Ants
  • Dishwasher
  • Ductwork
  • GFCI Devices
  • Exhaust Fans
  • Heating System
  • Lawn Pest Control
  • Lawn Weed Control
  • Lawn Fertilization
  • Lawn Fire Ants
  • Leak Detection
  • Oven / Range / Cooktop / Vent A Hood
  • Plumbing System
  • R-410A Refrigerant
  • Smoke Detectors
  • Trash Compactor
  • Garage Door Tune-up
  • Air Conditioning / Heat Equipment
  • Air Conditioning Units
  • Ceiling Fans
  • Doorbells
  • Electrical System
  • General Pest Control
  • Garbage Disposal
  • Built-in Microwave Oven
  • Plumbing and Plumbing Stoppages
  • Re-Key Service and Reprogrammable Garage Door Remote
  • Rodent Coverage
  • Sump Pump
  • Water Heater
  • Carpet Cleaning Service
  • Semi-Annual Checks
  • Carpenter Ants
  • Dishwasher
  • Ductwork
  • GFCI Devices
  • Exhaust Fans
  • Heating System
  • Lawn Pest Control
  • Lawn Weed Control
  • Lawn Fertilization
  • Lawn Fire Ants
  • Leak Detection
  • Oven / Range / Cooktop / Vent A Hood
  • Plumbing System
  • R-410A Refrigerant
  • Smoke Detectors
  • Trash Compactor
  • Garage Door Tune-up
  • Subterranean Termites
  • Garage Door Opener
  • Air Conditioning / Heat Equipment
  • Air Conditioning Units
  • Ceiling Fans
  • Doorbells
  • Electrical System
  • General Pest Control
  • Garbage Disposal
  • Built-in Microwave Oven
  • Plumbing and Plumbing Stoppages
  • Re-Key Service and Reprogrammable Garage Door Remote
  • Rodent Coverage
  • Sump Pump
  • Water Heater
  • Carpet Cleaning Service
  • Semi-Annual Checks
  • Carpenter Ants
  • Dishwasher
  • Ductwork
  • GFCI Devices
  • Exhaust Fans
  • Heating System
  • Lawn Pest Control
  • Lawn Weed Control
  • Lawn Fertilization
  • Lawn Fire Ants
  • Leak Detection
  • Oven / Range / Cooktop / Vent A Hood
  • Plumbing System
  • R-410A Refrigerant
  • Smoke Detectors
  • Trash Compactor
  • Garage Door Tune-up
  • Subterranean Termites
  • Garage Door Opener
  • Washer / Dryer / Primary Kitchen Refrigerator with Ice Maker & Dispenser
Add-ons / Optional coverage
  • Construction modification
  • Equipment code violation correction
  • Permits
  • Refrigerant recovery / disposal
  • Haul-away services
  • Non-cosmetic plumbing cracks
  • Mismatched systems
  • Improper installation
  • Crane
  • Washer / dryer (add-on)
  • Free-standing freezer
  • Garage door openers
  • Guesthouses
  • Lawn sprinkler systems
  • Plumbing external main line protection
  • Pool / spa equipment
  • Well pumps
  • Booster / jet pumps
  • Wet bar refrigerators
  • Bar coolers

How To File Your Service Request Step by Step

You may only start filing a claim after 15 days from the start of the plan subscription. Should you have to file a service request with Nations Home Warranty, here are the easy-to-follow steps:

  1. Get in touch with their customer service representative by calling their dedicated hotline or sending them an email.
  2. Explain the problem with your appliance or home system.
  3. The representative will then contact one of their accredited service providers who will schedule an appointment with you for inspection by a technician. You can only use service providers assigned by the warranty company.
  4. On the inspection day, the technician will make a proper diagnosis and assess whether the system or appliance can be repaired or needs replacement. Nations Home Warranty will then need to agree to the cost.
  5. Nations Home Warranty will then determine the eligibility of the claim. If eligible for repair, the service provider will once again send their technician to complete the necessary works.
  6. You’ll then have to pay the service provider for the repairs, then have Nations Home Warranty reimburse you for the cost.
  7. If repairs are not possible and replacement is the only option, Nations Home Warranty will only settle for the lowest price of the part or product.

Pros and Cons 

Pros Cons
  • Only 15 days waiting period compared to 30 for most companies
  • Covers construction modification and lawn maintenance work that most other companies don’t
  • Competitive pricing
  • Limited locations as it only serves Dallas and Fort Worth
  • Only service providers accredited by Home Nations Warranty can be used

How is Nations Home Warranty Rated?

As with many companies in this industry, Nations Home Warranty has mixed reviews. Many professional reviews from lifestyle and niche websites such as This Old House, Review Home Warranties, and Consumer Advocate have cited positive feedback about the warranty company. On the other hand, websites like Yelp and Best Company have rated Nations Home Warranty very low.

Positive reviews praise Nations Home Warranty for fast service and friendly customer representatives. Nations Home Warranty reviews from service providers are also positive, citing good workmanship and high professionalism. Most of the negative remarks come from customers being irritated about slow services.

Nations Home Warranty Alternatives

If you’re considering Nations Home Warranty for your major systems and appliances plan, you can compare our reviews for Nations Home Warranty with the following top home warranty companies as alternatives:

Select Home Warranty

Advantage: Has a 90-day workmanship guarantee.

Disadvantage: Does not have rodent coverage plans.

Cinch Home Services

Advantage: Offers discounts on new appliances.

Disadvantage: High service fee of $100.

Liberty Home Guard

Advantage: Contract terms are straightforward and more flexible.

Disadvantage: The waiting period is 30 days and could go up to 60 days depending on home warranty plans.

Wrap Up

You don’t have to be a budget-conscious homeowner to know that even the slightest breakdown of a major appliance can be very costly especially if it catches you off guard. Warranty companies like Nations Home Warranty offer protection against those unexpected costs of maintenance or replacements.

Nations Home Warranty’s Basic package covers the most essential major system and appliances most homeowners will need. Those who need more comprehensive coverage plans can opt for the Preferred or the Ultimate package.

For those living in Dallas or Fort Worth, Texas, Nations Home Warranty is a great option for protecting your home. Nations Home Warranty reviews show that their premiums are quite competitive considering the coverage they offer. And compared to other home warranty companies out there, Nations Home Warranty stands out with its 15-day waiting period as most other companies require you to wait 30 days before you can file a claim.

FAQ

Is Nations Home Warranty Legit?

Nations Home Warranty is a registered business institution founded in 1996. They are a legal entity that is recognized under the laws of the state. Their business permits are limited to the state of Texas. If you live outside of Texas, other home warranty companies that include Alaska and other states are worth looking into.

What Does Nations Home Warranty Cover?

Like all home warranty companies, Nations Home Warranty covers major home systems and appliances. These include, but are not limited to heating, ventilation, air conditioning (HVAC systems), electrical systems, and plumbing systems. Items like smoke detectors, dishwashers, free-standing ice makers, etc. are also part of some coverage plans.

Is Nations Home Warranty Worth It?

If you live in Dallas or Fort Worth, Nations Home Warranty is one of the most reputable options. They are competitively priced compared to their competition and also enjoy positive feedback from actual users as mentioned in many Nations Home Warranty reviews, including ours. Comparing the premium charged with the coverage of the warranty plans, Nations Home Warranty is a worthwhile choice.

ABOUT AUTHOR

I’m an entrepreneur by profession and an artist by passion. I do business to pay the bills and make music to bring the thrills. Thanks to a bachelor in Business Administration, I'm well-versed in all things business. Owning a construction company certainly helps, too, but it also brings out my love for building and home protection.