HSA Home Warranty

HSA Home Warranty Reviews

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$100, $125
Service fee

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About HSA Home Warranty

Home Security America, commonly known as HSA or HSA Home Warranty, sells home warranties. The company website offers sample contracts by state that detail what the company covers, what riders or add-ons are available and how much a contract costs. HSA serves 26 states and Washington, D.C., and its customer service line is open 24/7.

    Pros & Cons

    Pros

    • Easy quote process
    • Affordable, customizable options
    • Customer service is available 24/7

    Cons

    • Limited availability

    Bottom Line

    HSA's home warranty options are straightforward, and the optional upgrades allow you to customize your coverage. However, plans are only available in 26 states and Washington, D.C., so make sure HSA operates in your area.

    Featured Reviews

    Verified
    Lorain, OH

    We had a plumbing issue and were assigned a plumber with absolutely horrendous Google reviews. … When I contacted HSA to see if we could use the plumber assigned by our homeowners...

    Read full review
    Verified
    Cleveland, OH

    I've not had a working refrigerator since april..they are supposed to replace it but I've called so many times and they keep promising it will happen and it never does…If I don't ...

    Read full review

    HSA Home Warranty coverage and plans

    Coverage varies by state, but our sample quote for a basic one-year plan on a home in Illinois covered the following:

    Plumbing

    • Water heaters and instant hot water dispensers
    • Plumbing parts and primary sump pumps
    • Routing of drain line stoppages
    • Water, gas, drain and waste lines
    • Polybutylene leaks
    • Toilet tanks, bowls and wax ring seals
    • Whirlpool bathtubs
    • Water heater sediment removal

    Heating and air conditioning

    • Central heat
    • Central air and heat pumps
    • Thermostats
    • Ductwork
    • Ceiling fans
    • Interior attic and exhaust fans
    • Central vacuums

    Appliances

    • Ovens, stovetops and ranges
    • Built-in microwave ovens
    • Trash compactors, dishwashers and garbage disposals
    • Garage door openers
    • Refrigerators

    Electrical

    • Electrical systems
    • Lighting fixtures
    • Burglar alarms
    • Fire alarms
    • Doorbell systems

    Miscellaneous

    • Re-keying (up to six keyholes and four identical keys)
    • Failures due to lack of maintenance
    • Failures due to rust and corrosion
    • Roof leaks (not available for condos, townhomes or mobile homes)

    HSA Home Warranty cost

    HSA home warranty costs vary widely. Annual premiums for standard plans range from $495 to $635. The service call fee, which you pay for each repair, falls between $100 and $125. Our quote for a sample home in Illinois was $535 for one year and $100 per service call.

    Our sample plan in Illinois also listed 11 potential coverage add-ons:

    • Electronics protection plan from Allstate: $216
    • Water well pump/septic system: $100
    • Electronic air cleaner: $40
    • Clothes washer/dryer: $70
    • Home freezer: $40
    • Hot tub: $125
    • Swimming pool: $150
    • Pool and hot tub combination with shared mechanicals: $175
    • Water softener: $40
    • HVAC option (sellers only): $60
    • 7 Star Upgrade (for more coverage): $149

    HSA Home Warranty exclusions

    HSA Home Warranty plans generally come with some exclusions and limitations, including:

    • Preexisting defects or other issues that were easily detectable before you signed the contract
    • Damage caused by weather, such as storms, fire, ice or earthquakes
    • Any issues related to hazardous materials
    • Accessing covered components or systems other than plumbing or ductwork
    • Problems with water pressure or electrical surges
    • Cosmetic repairs like finishes, cabinetry or trim
    • Equipment owned by a condominium association
    • Repairs associated with manufacturer recalls or defects

    You can find more information in the “Limitations of Liability” section of your plan brochure.

    HSA Home Warranty claims and coverage limits

    You can file a claim online or by phone. A customer service representative will take your information, and the approval process will begin. The trade call fee is due at this time.

    Once your claim has been approved, HSA will assign a local contractor to do the repair or replacement. If there’s an issue with the work within 30 days after the service, HSA will send the contractor back out for no extra charge.

    Be sure to notify HSA about the repair and make sure the company has a chance to speak to the contractor before the date of service. If you skip this step, the repair may not be covered under your plan.

    Coverage limits

    Based on our sample Illinois quote, the aggregate coverage limit for an HSA Home Warranty plan is $25,000 with a $5,000 mechanical sub-limit unless otherwise stated in your contract. Other coverage limits include the following:

    Seller and buyer coverage
    Domestic water heater (tank, heat elements, thermostat, valves, flue piping, electrical or gas connections and failures due to sediment buildup) $1,500
    Kitchen appliances (all component parts on refrigerators, oven ranges, dishwashers, garbage disposals, built-in microwave ovens and trash compactors) $3,000
    Optional seller coverage
    Central heat up to two units (forced air furnaces, wiring, heat lines and ceiling cables, water heater/heating combination units and oil systems, solar heating units, heat exchanges, wall furnaces and ductwork-attached humidifiers or thermostats) $1,500
    Central air up to two units (electric units, refrigerated or evaporative units, packaged systems, heat pumps, geothermal systems, water source heat pump systems, thermostats and ductwork) $1,500
    Buyer only coverage
    Roof leaks (including shingles, built-up roofing, slate and tile) $750
    Optional buyer coverage (includes additional fee)
    Water well pump $1,500
    Septic system (ejector/lift pump and failures of electric wiring, lines, tank or dry wells) $300
    Hot tub (filters, heaters, pumps, motors, gaskets, relays, jets, impellers and valves $1,000
    Swimming pools (heaters, filters, pumps, gaskets, relays, impellers, back flush valves and above-ground plumbing lines) $1,000

    You can find more details about coverage and optional add-ons in the sample brochure for your state.

    HSA Home Warranty FAQ

    Is HSA Home Warranty legit?

    Home Security America might be worth it if you're looking to protect your home’s appliances and systems. The 24/7 customer service line also makes it easy to get your questions answered.

    What is HSA Home Warranty?

    Home Security America, or HSA Home Warranty, offers one-year contracts that cover repairs for appliances and home systems. These warranties are designed to cover things your homeowners insurance might not.

    How does HSA Home Warranty work?

    After you place a service request online or by phone, HSA will provide a qualified contractor to do the repair. If the service isn’t covered, HSA will discuss the situation with you before proceeding.

    Where is HSA Home Warranty available?

    HSA Home Warranty plans are currently available in 26 states and Washington, D.C.

    Does HSA Home Warranty require home inspections?

    No, you can purchase a home warranty from HSA without a home inspection.

    Are HSA home warranties transferable?

    Yes. If you sell your home while it’s still under HSA warranty, coverage transfers to the new owner. You just need to contact HSA to make sure everything transfers correctly.

    Is HSA’s customer service available 24/7?

    Yes, you can contact HSA’s customer service at any time of day.

    Does HSA choose the service contractor?

    Yes, HSA chooses the contractor, who will then set up an appointment with you.

    HSA Home WarrantyAmerican Home ShieldChoice Home WarrantyLiberty Home GuardCinch Home Services
    Rating1.04.34.03.74.0
    # of reviews26799,13358,08769310,778
    Covered systems 8 10 9 6 10
    Available plans 1 3 2 3 3
    Covered appliances 8 9 8 9 12
    Roof leak coverage
    Starting cost $495 $29.99/month $46.67/month $49.99/month $30.99/month
    Service fee $100, $125 $100 or $125 $85 $65 to $125 Starts at $75
    Read Reviews Read Reviews Read Reviews Read Reviews Read Reviews

    HSA Home Warranty Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceTechPunctuality & Speed

    Reviewed Sept. 12, 2023

    HSA assigned us a local plumber with horrible reviews who ghosted us. We wasted weeks fighting with HSA to try to get the plumber to respond. Meanwhile raw sewage is periodically flooding our basement. HSA claims they have to contact the plumber 3 times before they can escalate the issue to the Escalation Team. Then they tried to tell us they had to contact the plumber ANOTHER 3 times before they could do anything else. Then they said it was because they hadn't issued a recall notice and now the plumber would definitely respond. They did not. Could not use any other plumber than the one who was refusing to do the work. We asked for denial of service letter. They said they'd send it. 3 weeks later, no letter.

    Call again, they try to tell me that the plumbing technician is on vacation and they've been having trouble getting quotes for some parts that they need for our job. A) They haven't done any digging yet, they don't know what parts they'll need. B) He has absolutely not been on vacation for the last month and half. Then they say maybe the last person "forgot" to put in our request for the denial of service letter. Still waiting for my letter. It has been a week.

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    Customer Service

    Reviewed Sept. 5, 2023

    I did not choose this company, the seller of my home chose. Two out of three requests were botched. For the first repair, plumbing, they sent an unprofessional, inappropriate man. He charged me $250 for work he did not do and I was so afraid of him that I wrote the check to get him out of my house. I reported him and they did nothing. Then I read another woman in my neighborhood had a similar experience with him.

    Then there was the furnace. They are required, according to their own policy, to inform us of any repairs and any out-of-pocket expenses. I received no email and they have admitted it. I called and asked prior to the furnace if I would have any out-of-pocket expenses and was told no but then was hit with a $1200 bill the day it was installed. The company said they had sent all of this to HSA but HSA never communicated it to me. The same thing happened with a plumbing repair. I was not informed of any out-of-pocket expenses and was specifically told there would once again be none. I have now paid almost $1500 to a Company for horrible repair jobs. I would give zero stars if possible.

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      Customer ServiceCoverageRefunds & Payouts

      Reviewed Aug. 25, 2023

      FRAUD! How is this company still in business!? This is hands down one of the worst companies I've ever dealt with. I've been without hot water for 2 weeks and counting. Customer service is a joke. They drag their feet and tell me something different every time I call to ask when my water heater will arrive. First off, they took almost 2 days just to find a servicer who would accept the job (note: servicers avoid this company). Second, the company says they cover "water heaters", however in their fine print they only cover certain parts of the heater. (The list of what they don't cover is significantly longer than covered parts.) Third, they don't allow the servicers to install their own heaters. HSA "orders" the parts and has it "shipped" which adds days/weeks to get the repair job going.

      They also don't provide tracking #s or tell you what they ordered, when it would arrive and where it would arrive to. However, they will tell you it's shipped out when they haven't even ordered it yet. They enjoy lying and/or don't care to look into anything that you ask. Want to speak to manager or someone in charge? Well too bad. They refuse to transfer you. You get stuck with whoever answers the phone. Want to speak to someone you were already on the phone with for hours the day before? Well too bad. They won't allow it. (Which is infuriating when you have to explain yourself every time you call.)

      Want a refund because they won't follow through on fixing anything? NOPE! In fact they tell you that you have to pay a cancellation fee. It's so bad that the servicer called HSA back to tell them they don't want to work with them again. After all of this headache, many hours of my time, the lies, refusal and to the many other reviewers with overwhelming negative experiences, I want to see this company held accountable!

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      Customer ServiceTechRefunds & Payouts

      Reviewed Aug. 23, 2023

      My fridge has been out of service for 2 month, trying to call the customer service and all they say "the dispatch is trying to find you a vendor". It's been two month. We are living on a mini fridge a family of 5, they are horrible, I am trying to call them every 48hrs and asking to speak to someone responsible but no luck in that, they are the worst, even I asked to give me approval to bring my own vendor and they can reimburse me after and they are not replying on that either, they are really a very bad company to do business with.

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      Claims Handling

      Reviewed Aug. 2, 2023

      Never followed up on claims. They choose companies that are incompetent and cannot fix things in a timely manner. Impossible to cancel our service and I can never speak to anyone in the company that speaks in a coherent manner.

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      Customer ServiceTech

      Reviewed June 15, 2023

      HSA Home Warranty deserves negative stars. The company refuses to care for its customers. We had a plumbing issue and were assigned a plumber with absolutely horrendous Google reviews: constantly rude and incompetent. When I contacted HSA to see if we could use the plumber assigned by our homeowners insurance, I was told it could not be done since all contractor assignments are system generated. We offered to pay the difference between what HSA is paying the incompetent plumber a lbs our qualified plumber but we’re told it could not be done. Between the rising monthly premiums and the $100 deductible, this company is not worth it.

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      Customer ServiceTechRefunds & Payouts

      Reviewed May 21, 2023

      HORRIBLE CUSTOMER SERVICE!!!! I WOULD GIVE THEM NEGATIVE 8 on a scale of 1-10!!!! I have been waiting on an A/C compressor for 13 days. The initial impression was good, but once they realized they had to replace my A/C Compressor, they drug their feet in getting the parts ordered and "messed up on the Purchase Order" of the compressor. Originally, they sent the contractor out right away, which was great w/ a quick to diagnosis of the issue and ordering of the parts. However, HSA did not order the parts correctly!!!! I was told 3-5 days the first time I called....Then 5-7 working days....I called again and there is no record of the order....I got told "Oh..there is a problem...The parts were not ordered correctly....It will be another 3-5 days!.

      Contacted the Supervisor, and she confirmed another 3-5 days. Requested some kind of concession, e.g., the original $75 Service call fee to be refunded, for their mistake, but she did not concede. She just kept repeating it will be another 3-5 days due to their mistake. On another note, it is difficult to understand the people they hire to answer the phones. RECOMMEND NOT USING THIS COMPANY!!!! STAY AWAY!!!!

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      Refunds & Payouts

      Reviewed July 2, 2022

      There is absolutely no point in buying a HSA policy. You are making a donation to the company when you buy one. I am dealing with them on a covered repair - ac compressor replacement - and they are offering to pay for less than 1/3 the repair cost. Literally pointless if they won't pay out when the time comes. You should save the money and pay for any repairs yourself, because they are going to take your money and keep it, not paying out.

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      Customer ServiceCoverageTech

      Reviewed June 10, 2022

      Called for service/replace. We had to call back several times to finalize an appointment. When the tech finally came, he refused to fix the unit and was going to suggest replacement. They forgot to file a report with HSA. Had to resubmit ticket. They, maybe out of spite, they reported that we damaged the unit. We didn't, of course. The coil fins were damaged before we moved in. The service tech should have, at least, refilled the coolant to get us working until a replacement could be made. The tech should have also known that the home warranty wouldn't have covered that damage. They lied to us and HSA wouldn't compromise. Waste of money. You are better off taking the money and setting it aside to use for the repairs later.

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      CoverageSales & Marketing

      Reviewed April 29, 2022

      This HSA warranty is absolutely pointless. I had mice living in my refrigerator and had to replace it and the warranty did not apply nor aid in my endeavors. My water heater and boiler is 25+ years old not hot and has leaked to a point that the entire sheetrock needs to be replaced in addition to the heating units. Yet this HSA warranty will not fund the minimal $500 of its value as I conduct all this work. I have now paid an additional $100 to get a tech out only to find out I am not covered for anything through this HSA warranty. HSA is a scam.

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        HSA Home Warranty Company Information

        Company Name:
        HSA Home Warranty
        Website:
        www.onlinehsa.com

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