HSA Home Warranty
Customer Reviews ( on a scale of 5 )
Service Plan
Notes and Disclaimers
- In the earlier days, we collected ratings, but did not collect the review comments from users. So the total # of user ratings may not match with the total # of comments in some cases.
- Premium and deductible pricing info was taken from internet resources and may have changed recently. Please call insurance provides for latest pricing info
Complete review not available. Ratings are copied from the old rating system
Complete review is not available. Ratings are copied from the old rating system
Complete review not available. Ratings are copied from old rating system
they always paid their claims fairly and even replaced fairly
no comment
HSA makes it difficult for the consumer to get full reimbursement. They require that the workman calls them while they are at the house, but they put the workman on hold for a very long time. Then, they grill the workman extensively to see if there’s any way they can get out of paying in full for the job. The workmen who undergo this grilling have complained to me that they don’t like being treated in such an adversarial way. Often, HSA finds a way to avoid reimbursing me fully. All in all, it is very frustrating to work with them.
Seem to do whatever they can to get out of paying for repairs. The supervisors are very difficult to get in conact with. Have been fighting them on furnace reapirs for almost 2 months now.
Three major repairs on 18 yr old home in 2 1/2 years. TOTAL REPLACEMENTs with low deductible. Very timely. VERY SATISFIED. Has more than paid for itself 4 times over!
If I had not had the policy for the past 6 or so years and fixed all of my breakdowns out of pocket, due to the rejection rate they impose I would have been way ahead of the game by now. Is this what insurance is about? Or are we just being ripped off through small print on contracts. They can take this policy, and, oh well, you know what they should do with it.
The claims representive was so rude to the repairman at our home, that he threatened to hang up. Also- they arbitrarily said that a repair on an internal part needed on our 13 y/o dishwasher was due to impropper use vs. wear and tear with NO evidence to support that assumption. They proceeded to deny the claim. DO NOT waste your money on this service. They won’t even let you cancel if you are dissatisfied. No wonder!!!
Total unwillingness to put forth any effort to assist in service delays on both a service center staff and management level.
Filed a hot water claim on our recently purchased home and HSA sent someone over 2 days later. What a loser! Most unprofessional repairman I’ve ever met, and basically told HSA that our work on a shower and hot water heater were due to faulty installation (huh?) and therefore not covered. We had to pay him $100 deductible, he charged HSA service labor and diagnostic fees and I’m using my own plumber. Interestingly, two other plumbers I called out (at my expense) agreed the work was fixable and not faulty installation, and so I am now fighting with HSA to get some sort of reimbursement. Disaster…and an expensive one.
They have denied every claim I have filed with a poor excuse. Be as vague as possible with your claim and appeal the claim when it is denied. READ CONTRACT BEFORE CALLING!
I have had two claim types - furnace and sewer line. Since HSA makes it difficult to get reimbursed for work performed by their customers’ contractors, I decided to use the HSA recommended furnace and plumbing companies. 1. The furnace company they wanted me to use rescheduled 5 times. The HSA preferred furnace vendor never made it to any of the 6 appointments. 2. The basement floor drain backed up 4 times in 1.5 years. The first three times HSA recommended the same company. The plumber supposedly snaked the drain and I was charged the deductible. This week HSA recommended a different plumber. He claimed that there is no way the previous plumber got the snake down the floor drain and that he would need to install a T-line, which was not covered under the plan. I agreed to this expense. This HSA recommended plumber claimed he pulled back tree roots - which he did not - and HSA denied the claim based on this allegation. I disputed their decision, but the HSA supervisor told me there was nothing she could do. I’ve been duped - twice - and I won’t renew again.
HSA is a huge waste of money. Their recommended contractors are unreliable and/or dishonest.
This is by far the worse company out there! I had to basically demand to speak to the “top” people to get my a/c fixed and after phone call after phone call FINALLY it was replaced and now this year they’ve decided not to allow me to renew my policy! STAY AWAY!!!!! Their contracted a/c and heating people are the worse!!!!
customer service reps were rude
Had HSA for five years and replaced/repaired hot water toilet, leaking toilet, heat pump, furnance motor - all without problem. Without notification, we were not renewed due to management decision to no longer offer warranties in our state.
This is a second rate warranty company that doesnt care about you. Beware they will not take care of you in paying for any repairs and make up a line of miss leading acusations that are not true to get out of paying for your repairs. We purchased the warranty in Nov. 2007 and when we filed a claim in June 2008 on our A/C they denied it!!!!! how can you run your a/c in the winter? Doesnt add up does it hmmm dont waste your time with this company they will not help you in your time of need.
My experience has been awful. They will do everything to get out of a claim. Very frustrating. Do not use this company.
We have used HSA twice in the last year with no issues other than we had to find out own repair man because they had no one in our area with availability. I’d rather pick my own person anyway. We were reimbursed timely and had no issues other than things we knew were not covered when we signed the contract.
As a service provider, I cringe when I hear HSA.
I just purchased this warranty in February, after reading some positive reviews. I am now regretting that decision, and will NOT renew. My a/c has gone out, and they’ve found every possible way to get out of paying the claim. On top of that, they are also telling me I have to pay an additional $15 beyond my $50 service fee to the company that came out to check out the problem, with no explanation for the increase. Stay as far away from this company as possible…they are a bunch of crooks, and don’t care at all about you. The person who called me sounded almost chipper as she told me they weren’t going to pay for anything, as if she enjoyed telling me no.
Total ripoff. made me pay 3 -$50 deductibles for furnace diagnosis and then would only pay $1200 of $7000 bill for a furnace on a 3000sq ft home. what a joke. took 4 months and numerous calls to get check.
I have HSA on my home and also on my rental units. In 3 years I have replaced 2 water heaters and a furnace in my rentals and the whole a/c unit in my home. They were courteous and fixed everything for the deductible plus any upgrades needed to get to code. Well worth the money.
We’ve just been in this home for a few weeks and found out that our a/c doesn’t work when an unexpected heatwave hit. We’ve told them that I am in a wheelchair (stuck in this house with the temp approaching 87 indoors), but still had to “haggle” to use our own person to come out after their suggested contractor had no openings for “a few weeks”! Our home has over 2000 sqft (old farmhouse) and they now insist we must accept one of their (outdated and stockpiled in anticipation of cost increases due to new energy efficiency standards) 10 SEER units (instead of the 13 or 14 SEER that would be more efficient and we were hoping to get even if we had to pay a “cost difference”) or accept the buyout option of (get this!)$750!!! (Just where does this cover the cost of an a/c and installation???!!!)
Do not deal with these people. Look for a company that inspects the properties they insure! Make sure that are no unreasonable exemption! Even as a buyer, request that the seller go with a company you researched! Do not think even once that this insurance will cover any shortcomings of the seller’s property! (This company will obviously go a mile to avoid adequate replacement/payment!)
This is the worst home warranty company ever
I’ve never had such a bad service experience in my life. It took almost a year and multiple visits before HSA accepted the fact that they needed to replace my dryer. Service and management were rude, uncooperative, and/or unwilling to honor commitments and promises. I’ve dealt with many of the complaints below, plus they did not respect my time or the repairmen.
Had a service call for an A/C failure. Took the certified contractor 5 days to come out. When contractor came out he called HSA, came in and said HSA should be in contact with me over the weekend.
Monday comes and I get no call from HSA, so I call them. Their response is that my furnace had been tampered with on a prolonged basis such that they cannot diagnose the problem as wear and tear. The furnace was not tampered with short of turning it on and off.
So they receive a low score in all areas since they 1) did not return my call in a timely manner 2) booked us with a contractor that took a week to come out and 3) created faulty claims in order to avoid the repair.
In my experience, they are little more than legalized scam artists.
I’m considering hiring an attorney.
They seem to function fine until my microwave could not be repaired. Replacement was a impossible problem and we just gave up the cash settlement did not happen. If you need a replacement your in trouble they become impossible to deal with.
Overall I believe they are worth the investment. They do put you (and your tech) on hold for a long time. If you use your own service person or one of theirs, then they have to call when they get to your home. Knowing this in advance, I always have something to drink or eat while we wait. Once the diagnosis is delivered they are more than fair with a replacement piece. I would not advise taking a cash out as they provide their heavily discounted price and labor rates towards the cash-out value.
We had our A/C replaced and had to play the game this summer but came away witha very nice and working unit. A/C has to be the most frustrating part of this equation. Plumbing, electric, garage doors are all unique to the individual home. A/Cs however fail in groups when the temp spikes. This causes a back up of service tech and a shortage of parts. Like I said, you will have to wait but my $470 policy has already paid for a 4 ton A/C unit, 2 garage door openers, ejector pump in the basement, ceiling fan and some other little stuff.
Again, the wait is one thing but this policy has saved me over $10k.
I have had this company for a year now and all I have done is lined there pocket and the service techs they use with my money. Run away fast they just want your money. The people who have had success with them must know the service guysbecause the ones I got were cold and uncaring.
Be careful if you decide to purchase this when buying a home. Look closely at HSA’s roof coverage, it states it will not cover improperly installed roofs or damage due to mother nature. When you think about it, that means it does not cover roofs at all. This was a big selling point to me.
Also watch out if your inspector missed anything, as they always do, HSA will not cover anything that has been jack-legged by the previous owner.
I am a territory manager for HSA Home Warranty.
I was sent the link to this customer review site by a realtor who misunderstood a home inspectors rating system for a heating system, thinking that “B” fell into the elementary school grading system, and therefore, “B” was good, when in fact, as stated right on the home inspection, “B” meant “This item is not functioning as originally intended. Maintenance, repair and upgrade, is required.”
I’m glad the realtor sent it to me. After reading some of the reviews, and doing a little research, I’ll now be able to give people a chance to hear the other side of some these stories.
I want to thank those of you who posted your beneficial and/or positive experiences with HSA. Unfortunately others decided they didn’t want to share theirs, so I’ll do it for them.
The author of one of these negative reviews renewed with us 3 times, and we paid out almost $1200 over that time.
Another author of a different negative review only had our warranty for 1 year, and we paid out over $700. The warranty cost them $399
Another author had warranties on 5 properties. 2 of them had no claims. On the other 3, one we repaired the A/C & water heater, one we repaired the A/C, and the third, we would’ve replaced the clothes washer, but they decided they wanted to cash out instead, so we paid them directly, over $300.
Yet another had almost $1300 in paid claims, and renewed their warranty for another year after they made this post.
Home warranties aren’t magic pills. They were never intended to be. So, if home warranties aren’t magic pills, what good are they? Well, what good is car insurance? Home owners insurance? When used the correct way, they offer very good benefits, and can save you a lot of money, but they have to be used the correct way. In order to be used in the correct way, you have to know how they work, that is, how/when to make a claim, what the warranty covers, and maybe more importantly, what the warranty doesn’t cover.
Feel free to respond. I’d love to answer any questions you have.