Advertising Disclosure

We may earn money from our partners when you click a link, complete a form or call a phone number.

We believe everyone deserves to make thoughtful, informed purchase decisions. As a result, we provide our buyers guides and local guides free for consumers. We may receive compensation from our partners. However, Retirement Living independently researches companies, and the compensation we receive does not affect the analysis of our staff. Retirement Living will not include companies on our guides that do not meet our quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear. As an Amazon Associate Retirement Living earns from qualifying purchases.

Retirement Living independently researches companies, and we use editorial discretion to award companies with special recognition (i.e. Great Value) based on our staff's judgment. We do this to help you identify companies that will meet your specific buying needs, and we do not receive compensation for these designations.

Get Insider Access

Get special offers, advice and tips from Retirement Living delivered to your inbox.

Harmony Home Warranty

4.2 Stars (37 Reviews)
Updated: January 30, 2023
By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager
Edited By: Jeff Smith
Jeff Smith
Sr. Content Manager
As Retirement Living’s senior content manager, Jeff oversees the product and publishing of all retirement, investing, and consumer wellness content on the site. His extensive expertise in brand messaging and creating data-driven stories helps position Retirement Living as a top authority for senior content and community resources.
Sr. Content Manager

Harmony Home Warranty can help protect against high repair bills and keep your home in working order. Finances can be tight and unexpected home repairs can come with hefty price tags that upset a balanced budget. Harmony Home Warranty’s annual policies cover a majority of the expenses related to a major home appliance or system repair or replacement.

Harmony Home Warranty

Editorial Breakdown

Service Quality 4.6 Stars
Affordability 4.4 Stars
Coverage Area 4.5 Stars
Customer Service 4 Stars

Overall Rating 4.2 Stars

Bottom Line

Harmony Home Warranty offers affordable home warranty coverage for many of your home’s appliances.

Harmony Home Warranty Review

Harmony Home Warranty is a New York-based home warranty company founded in 2013. The company provides warranties for major appliances and home systems. Clients include homeowners as well as buyers, sellers and realtors. Some homebuyers request a home warranty as a condition of the sale.

Harmony Home Warranty covers most major home systems and appliances not covered by homeowners insurance or manufacturers’ warranties. The company works with a network of contracted service providers who will come to your home to conduct an assessment and repair. Harmony Home Warranty replaces covered elements that are unrepairable.

We featured Harmony Home Warranty as our Great Add-on pick in our guide to the best home warranties.


  • Easy sign-up
  • Request service 24 hours a day, 7 days a week
  • Free month of service


  • Coverage can be confusing due to excluded parts

What Does Harmony Home Warranty Cover?

Harmony Home Warranty offers two different plans depending on what elements you need to be covered. You can also add additional items for a fee. The plans include repair or replacement of specific mechanical components and parts for each of the elements listed in the table.

Elements must be in good working order and regularly maintained to be eligible for coverage. Be sure to check the contract for specifics on how each appliance or system is included in the plan.

Harmony Home Warranty Plans
Inclusions Basic Plan $499/year Total Plan $599/year
Air conditioning system No Yes
Heating system (2 units) No Yes
Refrigerator No Yes
Washer & dryer No Yes
Plumbing system & stoppage Yes Yes
Water heater Yes Yes
Whirlpool bath Yes Yes
Electrical system Yes Yes
Oven Yes Yes
Cooktop / Range Yes Yes
Permanent sump pump Yes Yes
Built-in microwave Yes Yes
Garbage disposal Yes Yes
Trash compactor Yes Yes
Ductwork Yes Yes
Garage door opener Yes Yes
Ceiling exhaust fans Yes Yes

You can also add on additional coverage for elements like a pool/spa, roof leak, central vacuum, septic system and more.

Harmony Home Warranty Cost

Harmony Home Warranty has two annual plans: Basic and Total. The Basic plan is $499 per year, and the Total plan is $599 per year. The company offers various discounts and deals, such as $100 off or a free month of service. Be sure to check the website for current deals.

In addition to the cost of the warranty, Harmony charges a $75 service fee any time you call a service technician to come to your home. You may also have to pay an additional fee to expedite services if you need emergency repairs.

How to Buy a Harmony Home Warranty

To sign up for a plan, you can visit the company’s website or call their toll-free number, and a representative will enroll you. Your coverage begins 30 days after you join and pay for your plan, and lasts for one year after that starting date.

How to Use a Harmony Home Warranty

Requesting service for covered appliances or home systems only requires a phone call. Call Harmony Home Warranty’s toll-free number anytime 24/7 to request service. The representative will contact a service contractor within two to four days. The contractor then gets in touch with you to set up a time to come to your home.

If the work done on an appliance or home system fails, you can call to request another service contractor at no cost within 90 days for parts or 30 days for labor. Keep in mind that you must use a contracted service provider ordered through Harmony Home Warranty. The company does not reimburse fees incurred by using other service providers.

According to the Federal Trade Commission, you should keep a record of conversations and dealings with a home warranty company and any technicians involved. Having these details on hand is helpful in the rare event of a dispute.

Harmony Home Warranty Complaints

Harmony Home Warranty is a relatively new company and does not have many online reviews. However, it does have an A+ rating with the Better Business Bureau and a score of 8.1 out of 10 from Top10HomeWarrantyReviews. TheTop10Sites reviews website gives Harmony Home Warranty a 9.2 out of 10 due to its top-rated technicians and free trial.

Harmony Home Warranty Q&A

  • If I have homeowners insurance, do I also need a Harmony Home Warranty?

    Homeowners insurance and home warranties cover different things. Homeowners insurance pays for items damaged in situations like fires, wind and natural disasters. By contrast, a home warranty repairs household appliances and systems that fail as a result of regular use.

  • How do I renew my Harmony Home Warranty plan?

    You can renew your plan each year, though the price may change. You can also opt for a multi-year contract with Harmony Home Warranty to lock in your annual fee.

  • Do I need a home inspection to get a Harmony Home Warranty plan?

    You don’t need a home inspection to qualify for a home warranty, but it may be a good idea. Harmony Home Warranties cover appliances that are properly maintained and in good working order at the time of your contract initiation. This condition is determined in retrospect by the technician on a service call. If the technician says you did not keep the item in good working order or did not maintain it properly, they can deny service.

  • Does a Harmony Home Warranty cover older appliances and systems?

    The age of the appliance or system does not matter. Harmony covers all eligible elements as long as they are properly maintained.

  • Can I cancel my Harmony Home Warranty plan?

    Yes, you can cancel your plan at any time. If you cancel within the first 30 days of your contract, you’ll receive a full refund of contract fees less any service costs covered by Harmony. If you cancel after 30 days, the refund is prorated less a $50 administrative fee and service costs.


A Harmony Home Warranty can give you peace of mind. Be sure to read the contract carefully to determine whether your systems and appliances will be covered as expected. Harmony Home Warranty can help homeowners manage the cost of major repairs.

37 Harmony Home Warranty Reviews

Write Review
1 Star

March 28 2022 7:11PM

They rarely answer the phone, they are not responsive, they won't even consider honoring the warranty unless you can produce exhaustive service/maintenance records.

Once they have your money, don't expect a refund for any reason. They are simply criminals who somehow keep evading punishment for scamming customers!!

Terry V.
United States, OK
1 Star

September 03 2021 5:59PM

This company has to be the biggest rip off artists I have ever been involved with. First there is no working number to call anyone. Every number I can find (855-510-4370, 800-724-8618, 855-509-2255, 855-907-1251, 866-984-4422) are all non working numbers.

Filed 3 claims on the website. Have never received a phone call as of yet. Oldest claim is 4 months ago. Claims are now marked as completed.

I would love to get my money back but with no way to contact them there is no way to request a refund. Every email I send ends up returning to me as a non working email. DO NOT BUY FROM HARMONY HOME WARRANTY. They are a money grabbing SCAM!

Charlie M.
Montgomery, TX
1 Star

July 23 2021 11:21PM

Beware of this company. They will take your money and never give it back. Don't trust them. They refund should have sent my money back 1000 dollars. Don't trust this company. Also, they keep changing their phone so you have to track them down.

John P.
1 Star

July 20 2021 11:37AM

Having filed 2 claims, received an e-mail for each saying a claim specialist would contact me in 24 to 48 hours ,well guess what I am still waiting for them to contact me.

This has been 14 days and 30 days, NO way would I recommend this company. It's a scam. Don't get caught in their scam. Bad bad bad.

James A.
1 Star

June 25 2021 11:08PM

Absolutely terrible!!! Their customer service terrible. They are never available and when I submitted a claim, no one ever reached out, so I fixed it myself thankfully! Thankfully I wasn’t holding my breath because I’d still be waiting.

Then I get an email weeks later saying my claim has been resolved!! What?! When? Never had anyone resolve anything. It’s like the company doesn’t exist. No customer service email or anything. I’m so upset I wasted my money here. Don’t buy them or waste your money!

Kristen L.
San Diego, CA
1 Star

June 04 2021 3:17PM

I purchase a warranty from this company in August of 2020 when I purchased my home. Then in Feb of 2021, my HVAC went out on a Friday afternoon. The cost to repair was $1600 plus.

Middle of winter in Montana (-29) and I'm supposed to wait until Monday for them to send someone. I waited then was told there was no one and to get my own service person.

After my service person was here, I was told by Harmony Home Warranty that I needed to show three years' worth of preventive maintenance on the unit. This needed to include paying a service tech to come and change the filters every 3 months. I change filters monthly.

I had just purchased the house in August the previous year, so didn't have 3 years worth. Next, my washing machine went out, the same scenario, call my own service tech.

Harmony approved the $385 to repair the washing machine, and said they would reimburse after 30 days. Going on for 2 months now. I've been calling them at number 800-724-8616. 855-907-1251 and 866-984-4422 and through email.

No answer and phone numbers not in service at this time. This is very bad company. They want to get your money. This is a scam company!

Kelly W.
Glendive, MT
1 Star

May 11 2021 11:50PM

Please Don't buy this Harmony Home Warranty. This is Scam. I've been calling them reference number 800-724-8616. 855-907-1251 and 866-984-4422 and through email. No answer and not in service at this time.

This is very bad company. They want to get your money. Please, Please, Please Don't buy from this company!!!

Dennis O.
Ceres, CA
1 Star

March 27 2021 5:23PM

I have a policy with Harmony Home Warranty and so far I have a lot of frustrations with this company.

When I made request for services (first issue is that garage door opener does not work and second issue is the switches/outlets in one of the bedrooms do not turn on electricity/power) I received no resolution responses from Harmony.

I recently called Harmony a few times but the phone numbers listed on Harmony website no longer work (Harmony could have shut off the phone lines).

I believe this home warranty company is not treating customers with respect and I am alerting people about Harmony so they are aware of this unprofessional company prior making any decision about buying home warranty insurance.

B. N.
Seattle, WA
1 Star

March 26 2021 5:37PM

I'm not a Harmony Home Warranty competitor not associate in any way. I'm a retired NASA scientist who got a 3 year HHW warranty for my home for $1050 in December 2019 (paid in full).

In September 2020 they charged my bank another $1050. I emailed and called Harmony over 20 times, and they agreed it was an accounting mistake, but refused to repay the money.

I ended up getting refunded through the "scam" clause from my bank which is now trying to get the Money from Harmony. I cancelled my policy and am due $700 in prorated refund...that was in October 2020 and it's now almost April 2021.

I'm also not the only person they double or triple charged, go to the online complaints board and they do this all the time.

Gary J.
North Las Vegas, CA
1 Star

March 15 2021 7:00PM

I’ve called this company so many times I’ve lost track. They NEVER answer or respond back. Very worst company I’ve ever encountered. I’m going to report them.

Do NOT buy a home warranty from this company. They are a rip off. We’ll see if they ever decide to call back. Maybe after they are reported, we’ll get some satisfaction.

Kim J.
New Cumberland, PA