HSA Home Warranty
Home Warranty Plan Details and Reviews for HSA Home Warranty
Premium: $320-430
Deductible: $50-75
Effective: At closing or 30 days...
Web: onlinehsa.com
Deductible: $50-75
Effective: At closing or 30 days...
Web: onlinehsa.com
Customer Service 
Service Timeliness
Repair/Replacement Service
Overall Rating
Total Reviews: 171 Rate this Company!
Service Timeliness
Repair/Replacement Service
Overall Rating
Total Reviews: 171 Rate this Company!
Coverage Area: USA - All States
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Home warranty is a complex insurance product. Unlike home insurance, it does not provide blanket coverage for all appliances. Pre-existing conditions and problems resulting from lack of maintenance of appliance are are generally not covered by home warranty companies. Home warranty sellers may not state these factors clearly, and this will create dissatisfaction among customers. Due to these factors, you will see many negative reviews here. Don't be intimidated by some negative reviews here. If you have maintained your appliances in good condition and go with a reputed home warranty provider, your coverage will be fine. |
We do not endorse any company in particular, however you should ignore the reviews that are overly negative or positive. Such reviews are not likely to offer a balanced view and some of them could be fake reviews posted to promote or demote a company. It is always a good idea to check BBB ratings and make sure the company is licensed to do business in your State by contacting State Insurance Commission. Try to avoid paying annual premium and keep your cancellation rights
President and CEO of HSA Home Warranty has responded to the criticism aired by some of their customers. Please read HSA Home Warranty Response
Reviews
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Pages: [8] 7 6 5 4 3 2 1 » Show All
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I’ve had s HSA home warranty for three years now (we have the best plan they offer) and I can’t recall anything they’ve ever covered. Today they denied a problem that the repair guy couldn’t diagnose. I said, “Don’t you think you should know what the problem is before you deny it?” No, not their problem.
They don’t even have any vendors in the area who will repair certain types of issues we pay coverage for. They told me to find a local vendor myself and they would pay for it. After calling tons of vendors (and telling them it would be a HSA claim) all of them said they wouldn’t come because they’ve had trouble with HSA in the past and they don’t want to be left hanging.
I did find one vendor to come out. He took a look at the problem, checked with HSA, and said it was a warranty covered issue. A few days later (after being chastised by HSA for not diagnosing the problem as something else) he came back and made the repairs. He said HSA was refusing to pay him but since he already told me it was covered he would eat the cost. He said as a small business owner he will never work with HSA again. Basically as a vendor, if you don’t deny HSA won’t pay.
One thing I do notice on all of these reviews is that they seem to be denying problems more in the hard hit housing markets. DON’T EVER GET A HSA HOME WARRANTY Our other home has Fidelity Home Warranty and we have never had a problem with them.
HSA is a joke. No email contact, customer service is crap, should be an embarrassment to any executive of this Company who ever bothered to look at their business from a consumer’s perspective. +20 days to fix both AC units, sketchy selection of service providers, and they jacked up my premium by 45% because of two claims this year – burn in hell HSA.
This is my second year with HSA. I will NOT be renewing my contract next year. Each time I call them, they ask me many questions (trying to deny coverage.) This time, our attic fan was broken. The actual fan was not properly placed in the holder (not our fault) and the fan busted out of the holder while spinning, and the fan blade put a hole in the housing. They said this was not something the fan could have done to itself…so they arent covering it. The job is going to cost $450 out of pocket. I am furiated with them and the service company that came to my house. They told HSA that a rock or branch hit the fan and caused the hole. NOT TRUE!!!
I had HSA for one year. The fixed my dishwasher that would have costed $250 but it took 2 weeks to fix. My toilet needed service. My claim was denied! It was at the end of my warranty and I am shopping for a new warranty company!
They denied my claim said the water wasnt part of my refg. I had to pay the $50.00 deductible and water was still all over my floor and leaking threw my floor onto my washer and dryer in my basement.They wouldnot let me cancell my policy. VERY RUDE
I’ve given a ‘3′ rating over all to HSA. I have used them 4 times in the past year. The first 2 times were to determine that two electronic boards in the heater were not working. It turned out that the first board probably should not have been replaced, but in fact the 2nd board was the problem. This kind of stuff happens. Next was the AC. Of course it goes out when it’s really hot. Turns out it is the compressor. That is replaced. In the mean time I learn that there are certain items that need to be done to really make the unit cool effectively. This was done outside of the warranty and I knew this going into it. The service techs that have worked on the house have told me that HSA is really the easiest for them to work for – they actually get paid. However, when my renewal came through recently, it was almost double what I had originally paid. Don’t think I’m going to renew with HSA. It seems they are trying to make up for what they have put out. Also I am a Realtor and an owner of a rental property. So I get the nice letters from HSA stating what the repair would have cost – I get these as the owner and as the Realtor and the ‘costs’ stated in each call are different. One will say to the ‘owner’ it would have cost $250.00 and the one I get for the Realtor side says an entirerly different amount. Makes you think.
We have had HSA Home Warranty for over 3 years. Every time we turn in a claim, they attempt to deny coverage. This latest time our heat pump was not working properly. The contractor that was dispatched told them the problem was our evaporator coil. They denied the claim by saying that we had not properly maintained the system. This denial came even though we had the unit serviced in November of 2009 and May 2010 by the same contractor and they had said that the evaporator coil was in perfect working order at that time. Result: they told us the cost to replace the evaporator coil would be $1100 out of our pocket. HSA will not get another dime from me. I highly recommend reading all the reviews on here and elsewhere on the Internet. You may eventually get them to pay, but it is easier to find a reliable contractor that will fix your problem right and not take your money and DENY coverage.
Additionally, in Florida, the contract cannot be canceled by the homeowner mid-term. I suspect they do this because once contract holders turn in a claim and have it DENIED, they do what I wanted to do: CANCEL IT! Select a home warranty company that allows the contract to be canceled prior to the renewal date.
Customer service is always nice, the timeliness depends on how backed up the service company they send out is but the repair and replacement is duct tape and band aid fixes.
The following is the actual e-mail that I sent to the HSA adjuster I dealt with…this tells it all.
Lacie,
I just wanted to take a minute to thank you for prompt , courteous, expert,and very very helpful assistance you provide on my claim .It was all and all a very painless experience unlike other companies and adjusters I have dealt with over the years.
Be assured the excellent quality of service you gave to me will be a determining factor when it comes time to renew my policy.
Again
thank you
John R Jones
Company came out to fix a blower motor on the furnace. They left and then the furnace was leaking water. I called the co. that HSA chose and they told me it will be another charge if they have to come back out. The furnace has never leaked water in the 10 months I have lived her but all of the sudden it leaks after the service guy leaves? WTF. I called HSA with no help from them, guess I am screwed. HSA is a joke.
Had a cooling problem with 5 ton A/C not cooling, they sent a company that is 25 miles from our town, so naturally was charged additional travel expense. Repairman found that unit was low on freon and recharged the lines. Following day, A/C would not cool, repairman came out once again and found a pin hole leak in the copper tubes in the condensor, stated it could be repaired but would not guarantee the repair. HSA representative stated that they would only cover the fix if the unit was replaced, approx cost between 7 and 8 thousand dollars, of which they would be responsible for the remainder of less than $1200.00 and I would be responsible for the difference. I had a local company from my town with 25 years of experience look at the A/C and they said it was an easy fix, they would solder it and also guarantee the repair. The cost would be less than $500.00 total for the repair, replacement freon and checking the lines. HSA continued to demand that they would only be responsible if it was replaced and not the repair. The representative was extremely rude and very unprofessional in her approach and attitude. I am a retired realtor and always recommended Home Warranties to my Seller’s. This is my first experience with HSA and I guarantee it will be my last. I only wish I had look at their reviews and I never would have selected them.
This is, unfortunately, my second large HSA claim since December 24, 2009. I am not overstating the fact that they had people at my house right away. My furnace fan just went out. You need that for air conditioning. I called in the morning and by 2 pm the same day I was fixed and working.
People complain about things that are not just right. I think it is important to tell people about things that are good. I am happy with HSA and I am glad I had the coverage.
We have submitted a claim on June 14. The AC went out in our home. We called HSA many time to get this fixed but… WE live around Chattanooga, TN and this week it was 95 to 97 F. HSA is very slow and does not want to help much. When I called they told me to call the contractor. There job was complete. The processed the claim and ordered the parts. This is 2 weeks and still have no AC.
I will not be going back to HSA for another home warranty.
I’m sorry so many people have had a negative experience with HSA. I have to say I have had nothing but excellent service and response. I purchased my home in 2006, and a 1yr warranty was included in the sale. I had a claim in early 2007 for the furnace not heating. Their contractor came out the next day, replaced a part, no further issues. Dec 2007 my water heater went out. It was replaced within a day–no problems with the contractor or HSA service. On Father’s Day weekend 2008 we came home to no AC. Unfortunately it was late Sat night, but they were able to get someone out Sunday–on Father’s Day! He advised it would need replaced, but charged the unit to get us AC through the next few days, until the new unit arrived. A brand new AC unit was installed for under $200 out of my pocket. Aug 2009 my fridge stopped cooling. Apparently every part in the fridge would’ve had to be replaced, so cost to repair was the same as replacement. I was advised a specific retailer to purchase a new fridge online, and for under $100, had a brand new fridge shipped to me within 3 days of the claim. HSA has stood up to their service guarantees and have justifiably approved all of my claims. Seems lack of proper maintenance on appliances/furnace/ac is the only reason they may deny a claim. I will continue to renew my warranty, and transfer to my next home so coverage is continued. I recommend HSA to everyone purchasing a home. They’ve saved me a ton of $ and now that I’m single, give me peace of mind about maintenance issues in my home.
We have had 3 claims in the past year with them, 2 of them being denied. The furnace and ac both had problems, which they denied coverage of the problems because they claimed it was due to maintenance issues from the previous owners of the home. The only claim they did cover was a clogged drain, which cost us the $75 deductible, about what it would have cost anyway to have it unclogged. Next time I am offered this in a home purchase contract, I will refuse it just so they do not get my business!! Avoid!!!
Our home came with an HSA warranty, the following year we paid to continue the service. Our AC/Heat pump system stopped working and in southern NV you need AC!. We called they sent a Tech out within 2 days. He found that there was quite a bit of bird droppings so he could not do the work safely, but did feel the compressor was bad on the unit. We called in another company to power wash the roof and AC, and build a netting to keep birds away. this was $1100.00, but we felt worth it. Then we called the tech back and said it was clean and he could come do the work. Upon his return he then determined that he could not fit nto the area to actually do the work. HSA contacted another company and 2 days later sent another tech. They made me pay a second deductable and he also said that it was too tight of a space to get into and suggested we just get a new unit, which he quoted 6000.00 to 15,000. to replace. HSA will not cover this. We had an independent company that has a very good standing in the Las Vegas area come in at our expense, and he agreed that it was the compressor, that the AC unit had been well maintained but that because it was 19 years old it would be more cost effecient to replace the unit. He quoted us 4000.00 total for a new unit and we would quallify for a tax credit. I feel SA should pay for the replacement since we did maintain this unit, but because of age it would be better to replace. Even if they would meet us half way and pay for some i think would be better than just saying no flat out. And I think there tech that they work with know to denie claims and to try to sell you more expensive equipment. I will now be canceling my warranty, because I can see that they wont pay for any thing, and now I’ll have a new ac anyway with a 10 year warranty. i would not recomend this company to anyone!
AS I READ THE OTHER REVIEWS IT SOUNDS JUST THE SAME. AC PROBLEMS AND THE TECH THEY SENT SAID MY LEAK HAPPENED BEFORE MY CONTRACT. I HAVE BEEN IN THE HOME FOR TW0 MONTHS. REALLY STRANGE THAT SOMEONE CAN TELL WHAT DAY A LEAK STARTED. THEY WONT PAY! PAY FOR THE WARRANTY PAY A DEDUCTIBLE AND NO FIX! I NEED TO START A COMPANY I COULD MAKE A KILLING. GET PAID AND DO NO WORK. THIS COMPANY IS ANOTHER EXPENSE IN BUYING A HOUSE THAT IS POINTLESS. FROM MY DEALINGS I WOULD NEVER BUY INTO THIS SCAM AGAIN
BUYER BEWARE —DON’T BUY AN HSA HOME WARRENTY (unless you don’t want to file a legitimate claim–ever)! We bought a house that had the inducement of an HSA Home Warranty “for peace of mind” and it turns out they have denied nearly every claim (even though allegedly ”covered” under the terms of the policy) because they state it is not covered for one reason or another including ”design flaw” in a toilet (HSA claimed that the plumber stated it was a design flaw but the plumber denied to us that he ever stated a design flaw was the cause of the problem) or because it’s a ”pre existing condition.” I cannot even write more details on the interactions with HSA because I do not want to live through the hell again. I have never posted negative feedback on the internet for a company but felt compelled to do so in this case. I repeat: BUYER BEWARE.
21 days still no A/C. Enough said!!!!
They said the carrier part had to be made espically for me from the factory. Can you believe this.
I never had a home warranty company and deterimed that I was not missing much.
This is a COMPLETE waste of Money.
We hesitated covering our new home with a warranty because it was under 10 years old when we moved in the summer of 2008. Well, this warranty saved us the price of a new furnace this week! (We’ve also replaced the garbage disposal and the kitchen faucet. There is value to a home warranty. People need to read the guidelines and know what they are getting into with each repair so they don’t have surprises! For us, we had this same company in the Seattle area and there too we had very good service!!
I have had a couple claims with them thus far. They have been polite helpful and had great follow up. I had a microwave replaced, the repairman ordered the wrong size and they did not charge me the re-stocking fee for the return and were very understanding. I had to get my water heater replaced and the company they sent out was over priced on their estimate. HSA was honest with me about that and allowed me to choose my own licensed repair person and sent me a reimbursement check right away. Satisfied with this company
Overall I think HSA has done a great job in addressing the various claims we submitted over the past year in our new home. We had some plumbing issues fixed, our refrigerator repaired (2 times), Air Conditioning service addressed (2 times), Garage door opener fixed, and even had our furnace replaced! What a great deal!
However, when it was time to renew, HSA wanted more than double the first year contract price. Almost $900 to renew. Why such the increase I asked? Well, the rep identified too many claims. Well isn’t that the purpose for the insurance in the first place to cover unexpected problems? Looks like since they did not make money off of our premium payment, they want to make sure they get their money back at the renewal.
It is unfotunate that this is the game. They have to make money somewhere. They just won’t be doing it using my money. We have moved on and gone elsewhere.
HVAC problem that was dealt with professionally, considerately, timely and to my satisfaction. Their agent, All Air Solutions would get the same high marks. I have been a customer since 2002.
Renew with HSA? Over my dead body! This company is nothing but more headaches added on to your problems! My boiler breaks down on a cold winter night. We call HSA friday night to get a voicemail. Nobody answers the phone after 5pm! Which is annoying. We leave a voicemail they get back to us in 3 hours. Fast-forward the technician came to our home the following night and couldn’t figure out what the problem was! He changes the thermostat and that didn’t fix the problem. So he tells us that we need to call our oil company because they need to service our boiler, need some cleaning. So I ask him cant you do the cleaning? He refused. We later came to the conclusion that he didn’t know what the hell was going on. We still had to pay for the deductible because of thermostat he replaced. We call Petro they come out and fix the relay switch in 20 minutes!! Heat is back on! Every bodies happy and warm. We call back HSA and try to get some type of refund for what we paid and they didn’t budge! NEVER AGAIN WITH HSA! and this was just one out of 3 issues we had with this company.
It’s weird that HSA even sells policies in my area, because they had one company under contract to look at my roof. It turned out he didn’t have insurance, so he called me right before my appointment (when I had already come home just for that) to tell me he couldn’t come. When I called HSA, they said just get anyone in the area to come and have him call while at my house. When I called after the guy had checked out my roof, the “lady” was somewhat angry that I had done this, because HSA had assigned me to another company…so apparently communication is not one of their best skills.
We had the home inspected before we bought it, and the inspector said it was nicely done. Now it is leaking, but HSA says that the fact that it started leaking 9 months after we bought the house is a pre-existing condition, because the guy wants to redo it to fix the problem…awesome.
Too bad for HSA they don’t realize that we are military and will be buying lots of houses over our lifetime as we move around. This means they have lost quite a bit of money from us because we will never buy another policy. This also means they have lost quite a bit of money from our friends, because they are also military and move a lot and we will advise them not to get tangled up in this shady business.
The insurance game is not to pay to fix anything. The guy who came out to look at our roof said warranty companies will call him 6 or 7 times per claims that they deem to be covered, just to make sure he really thinks the fix is necessary.
Bottom line- HSA is shady ops.