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
| 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: « 11 10 9 8 7 6 5 4 3 [2] 1 » Show All
awful service, will refuse a claim for every and any reason, or make up their own lie, and then blame you. we will not renew and I will advise everyone I know to not use them
10 minute wait for customer service. 5 day wait for appliance service.
I had them for three years, they changed my dishwasher, done an overall job in fixing my internal electricity and also my garage door. Also several plumbing jobs were done by them in a timely manner. I recommend to everybody.
Don’t waste your money on HSA. I tried to get a heating repairman out here and the one and only one they could give me has their office 60 miles away and put me on a list 2 weeks out and then did not show up. When I called HSA they said that the company had been on HOLD. I ask them to get me someone else and they never returned my call. I called again and was told to find someone myself. I mentioned the fact that I live in Alaska and it was well below zero, the person on the phone representing HSA had the nerve to tell me that it was only a few degrees warmer there. At least she had heat. I finally got someone here and after he made a diagnosis HSA had me on hold for a least 30 minutes and then denied the claim as a improperly installed heating unit. Funny that there were not any problems the winter before. I had to pay the time the repairman waited for an answer. I think they use any excuse not to pay. I will not renew my contract. It seems strange that out of the whole state they only have one contact.
To add to my original post about HSA, I have been offer a whopping $621.00 to replace and install a furnace in my home. HSA’s contractor quoted my total job a just shy of $14,000…YES fourteen THOUSAND dollars. We received 3…count them 3 quotes for furnace alone of $3000. Where does HSA pull these crazy cash out figures from? Before we knew the magnitude of the dollar amount…I could PAY HSA to call me back. Now, they won’t stop calling me to close the claim. I am NOT closing the claim until I am completely satisfied with the results. If that means I have to get a lawyer involved I will. At very least HSA should give us the lowest quoted dollar amount. Who on this planet can pay for a furnace and installation for $621.00?? Plus, the HSA contractor told us NOT to use the unit supplied by HSA because they are no good.
Anyone up for a class action law suite?
Call me a homeowner with realistic expectations. It seems that some others expect 1 hr service; but for the price we pay that is unrealistic, that speed of service would come with a steep price. Heat and cold can be uncomfortable; but they are not considered “emergency” items until they become life-threatening.
It is Saturday and I just called in a claim on my downstairs heating unit, which apparently just stopped working. The customer service agent, Sarah was polite, took my claim provided me the claim#, the name of the preferred provider and a phone number to contact them if I have not received a call by 10 am on Monday. (To me, that is next day service and I can live with that)
As a policy holder for 3 years, I can recall 4 claims (3 of which were honored without problem and 1 which we disagreed upon; but the unit is functioning).
I have never had a problem with HSA customer service (other than prolonged wait time). Each agent has been polite and tried to be helpful (they didn’t always have the answer I wanted but they tried to help).
It appears some people confuse HSA service with that of the sub-contractors that showed up to provide service. For the most part the contractors HSA sent to my house were polite and knowledgeable; with one exception (after my complaint and likely others, that contractor is no longer part of the HSA network) Yes HSA tries to find the lowest cost providers to make their business model work and those tend to be one or two man businesses; but that doesn’t mean they can’t be knowledgable. The contractors that have been to my residence diagnose the problem then convince the HSA rep that the service is covered because as one guy put it; “I make more money when I have work to do and unless they approve the claim, I can’t do much work.”
Without this policy, I never would have been able to replace the compressor on my HVAC unit for $75 (+50 to the contractor for a second man to help with carrying/instalation/disposal). Yes, it is a 10 seer unit, so it is not the latest and greatest, and yes it is a lower tier brand name so it may not last as long as top-tier unit; but I have AC that works just fine for a severely discounted price.
They are simply awful to deal with. I bought a 5 yr old townhouse and the Air Conditioning did not work. When the workman got there it took him minutes to tell me it was a pre-existing condition without knowing when the unit last worked. He said I had a leak and it could cost $2000. to find the leak and fix. I had someone else look and they added freon and the unit has worked ever since. My complaints were not heard by the company and no apology.
HSA could or would not dispatch a furnace tech in a timely way when our house filled with blue smoke on the first day of a deep cold snap (temps in the low teens). They repeatedly tried to dispatch a company that does not handle oil furnaces, alternating with a company that either simply did not show or, eventually, stated they would not come for a week. We were FOUR DAYS with no heat. I was on the phone with HSA a dozen times over this time, and each employee was thicker than the last. They finally offered us “choice” and stated that we had to call them while the tech was here to get coverage. This I did; they called back and stated in a very snarky way that they were denying the claim because the furnace breakdown was due to our negligence in not maintaining the furnace. The “customer service” rep then LIED and stated that this is what the tech had said! I was standing right there while he talked to her. Put him back on the line, and he repeated what he HAD said — that there was no telling the cause of the malfunction, but the furnace showed no indication of neglected maintenance. The woman’s supervisor also LIED right to me about this. They got very nasty.
The furnace company has told me that they stopped working with HSA some time ago because of just this issue; apparently no reputable contractor around here will have anything to do with them. No one has ever heard of the companies that do have contracts.
The furnace passed inspection in May when we bought the house, had been properly maintained by the seller, functioned for about three weeks starting in November, then failed catastrophically in a matter of hours. This is WHY we buy home warranty coverage.
HSA owes me $262, and they are weaseling out of paying it. They are liars and thieves.
I have had 3 service calls to HSA in 6 months and so far all I’ve got is a run around. First call was for a leaking dishwasher. Technician came over and WIPED UP THE WATER and said he couldn’t tell where it was leaking from. He put in a claim for a rusted rack and of course it was denied. I called them back for round two, to find the nature of my leak…again he wiped up the water and said he couldn’t find where it was coming from. I finally got so frustrated I purchased my own new dishwasher.
The third call is going on right now. We are having a problem with out furnace and with it being winter in Ohio, the HSA furnace contractor could not make it to our home, not once, but twice. I was told to go and get my own contractor, which I did. The diagnosis is a safety issue. We need to have the furnace replaced ASAP. It’s been 3 days and I had to contact HSA myself today. The customer service rep was nice, but an hour later I got a call from some dude telling me that HSA contacted him to give us a second opinion. On top of that, he wanted me to take the day off work because they only do service calls between 10am-2pm.
I still have not heard anything back from the customer service rep. I am angry that HSA is putting my home and my family in jeopardy to save a few bucks! Why let people choose their own contractor is you’re just going to send someone else out there anyway? Total BS! I will not be renewing.
I bought a home in February, and my agent demanded that the seller include a ‘home warranty’ through HSA. I didn’t think much of it at the time. Well, my hot water heater has developed a pin-hole leak and needs to be replaced. Because we have four bathrooms, including a Whirlpool tub, the heater is a high-performance A.O.Smith.
When I called to start the claim process, they directed me to their preferred service provider. When I contacted this provider, he said he wasn’t working with HSA in my area because the business recently changed hands. I called HSA back, and they told me that there was in fact a hold on this provider, and that I may call the provider of my choice.
After calling a well-respected plumbing service, we quickly determined the drop in replacement. They immediately called HSA to get ‘pre-approval’, but HSA stated that they needed time to formally approve the claim.
Thinking that 24 hours would be sufficient to gain approval, we scheduled service for the following day. In the meantime, I spoke with the HSA reps twice to check on the approval. I made it clear that this needs to be fixed on an ASAP basis, as I have a small river in my basement. They continued to assure me that the process was on-going and would be complete soon.
About 24 hours later, when the service providers came to my house, the claim still was not approved. I had the service providers immediately call to make sure approval went through, but the rep told me that they would only offer a ‘cash buyout’ worth approximately 50% of the job. They claimed the replacement was an upgrade, rather than an equivalent unit.
This is completely untrue, as the replacement part number was obtained directly from the manufacturer. I went around and around on the phone with one of the managers, but she would not concede that the unit to be installed was equivalent to the faulty unit. In fact, they claimed to have identified another alternate, but further checking revealed the HSA preferred unit was rated with considerably less performance than the direct replacement. This is very inappropriate and unethical.
After 90 minutes of going around in circles, she maintained the position that HSA reserves the right to obtain a second quote. I reluctantly agreed (despite being told to call whomever I wanted), but made clear that there needs to be a time limit, because this needs to be fixed ASAP!
She called me back in an hour, telling me that they want to use a different service provider and install another alternate unit. She only provided me with a minimum of information about the unit. When I asked her the part number she said she didn’t know. So, I asked for the phone number of their service provider so I could call and find out. She abruptly told me that she would do some checking as I was on hold.
When she came back, she told me she was unable to find that information, and that she would call me tomorrow. Then she asked why the part number was important? Are you kidding? Very sneaky. Very unethical. Very disappointing.
The unit that was purchased with the house; the unit they AGREED to insure, is a high performance water heater. As a simple analogy, consider it a Porsche. Their idea of insurance is to replace it with a Taurus.
This is not over yet, and I am very frustrated and upset. I want what I paid for. No more. No less.
If they do not agree to replace the unit with the manufacturer’s suggested part number, I will be contacting the Wisconsin Office of the Commissioner of Insurance. If this does not resolve the issue, I have no problem taking HSA to small claims court or hiring an attorney for representation.
I noticed a few Wisconsin individuals on this site have had similar serious complaints. Perhaps we should consider filing a class action lawsuit. If interested, please contact me at trnelson@hotmail.com.
This company is a RIP OFF! I had a furnace claim, and had to go through 2 furnace companies. Had to purchase a furnace out of my own pocket, because they kept giving me such excuses for everything. I have since hired an attorney and will contacting the Wisconsin Dept of Regulation & licensing. They should have thier license revoked and our money we have invested in this–reimbursed. My story is no different than anyone else’s who has posted a story. Got in touch with my realtor and told her what a farce this really is, and I would tell anyone else DO NOT BUY ONE OF THESE WARRANTIES!!!! BEWARE!
After reading the reviews, I’m not surprised that my comments are almost identical. I am a Realtor who purchased the HSA warranty, with the 5 star upgrade and roof, for 2 of my clients. Both clients had house problems and told me that HSA representatives were rude, abrubt and just plain nasty. HSA does everything they can to get out of paying a claim by saying that the problem was “pre-existing”. The problem at hand was a cracked heat exchanger. A picture of it was forwarded to Justin at HSA and his comments (still on my voice mail) were: “we’re not even sure that the picture IS a heat exchanger” and “even if it IS a heat exchanger, we can’t be sure that it’s actually the one that is IN that house”! These comments are absurd! Basically HSA is saying that the homeowner went door to door, asking people if they had a cracked heat exchanger that he could take pictures of. Otherwise the comment about not being sure that it’s even the one that is in that house, wouldn’t have been made. The Homeowner had a home inspection that stated that the inspection report does NOT comment on Heat Exchangers, and that it was recommended that the homeowner has the heating system cleaned and serviced. I have never met a homeowner that would pay for that before they actually own the house, especially where this was a short sale and it’s not even guaranteed that they would be getting the house at the offered price. In the other Homeowner’s case, a Home Inspection was done and the Home Inspector went up into the attic by means of a pull down stairway. The Buyer went with him, and there was absolutely no evidence of water staining, water penetration, water leaking, or damage to the roof boards. It was, however an older roof, but the home inspector said it was in good shape. Knowing this buyer, he never ever would have purchased the house if there was even a small problem with the roof. After he moved in, he got leaks, and HSA again said that the problem was pre-existing, and he had to pay for a new roof. I personally had been at that house when it was torrential downpours, and I never saw any leaks, nor did the homeowner. As a licensed Broker for over 21 years, I have been to numerous home inspections, and I know what to look for when listing a home, regarding potential problems, and there were NONE with the roof! HSA are scam artists, taking your money, then calling everything pre-existing, and denying the claims. If you want to look at it that way, EVERYTHING is pre-existing if it’s not brand new. The question here is that the homeowners had no knowledge when they bought the house, that there was any problems, and the warranty is supposed to be peace of mind for them. Both cases were nightmares. The people at HSA are RUDE and SARCASTIC! Both homeowners that I paid $515.0 for a warranty for, told me that they have thrown away the warranty and even if they have a problem, they will NOT call HSA. I tried to get my money back for the warranty, but of course it’s non-refundable. HSA should be put out of business! Please, do NOT use HSA! They do not care about you or your home. They do not take care of problems and they call every problem pre-existing to get out of paying the claim. They are ruthless rip off artists.
To Justin- I’d love for you to contact me via email and then phone (benmaxin@yahoo.com) to discuss the glowing terms you refer to your company in. My experience couldn’t be further from the truth. After a first year of coverage, and one $20 part fixed on a washing machine, we decided to re-new after a few months of lapsed coverage. After plunking down $500+ we discovered within a month that our water softener unit had seized up due to age. (It’s at least 20-30 years old) We have well water and thus need a functioning unit. To make a long, frustrating story short, we have been fighting with HSA to get techs out to analyze itfor WEEKS, the first tech was rudely treated and questioned even AFTER he gave the best answer that he could (sounds like a recurring theme from HSA) about it simply not working anymore due to age…. then waited 2 more weeks after numerous calls to their plumbing reps and no return calls for a 2nd opinion estimate that finally came on Oct 17 (this all originated in early Sept). Today I get the expected call with some BS reason that they won’t cover the unit!!!!
So two years, $1000+ and we get NOTHING. How many warranty owners (100′s? 1000′s??) pay in full and NEVER require one visit/fix?? And when people like us call with a legitimate concern/repair, we get treated like criminals and 2nd class citizens. I’d love to talk to a Supervisor if one would ever have the courtesy to call me back. WE WILL get a refund or the Better Business Bureau will be contacted along with every local TV news show/newspaper until HSA’s name gets drug through the mud…
Never had such poor service with ANY company. Not even the crook cable companies… or a sneaky car dealer. Please Justin, please have the gall to respond personally to me.
And to all you reading- STAY AWAY FROM HSA. All of these posts are legit…I wouldn’t be surprised if the 3 or 4 positive posts are from HSA reps… God knows they have time while customers sit on hold for 15 minutes every time they call.
Ben Maxin Pgh PA
—– from a service contractor point a view this home warranty gets approx. 30-40% discount on service and parts.It is hard to deal with, the deductable does not cover contractors time. I only get calls on after hours, holidays, weekends and I only get paid for regular time if lucky. Usually if the call needs a repair it has to put me in the middle of the problem/solution and possibly will make me the bad guy. I am a one man service company and follow many second opinion or recalls of other companies. I have had some good experiance with HSA but will not continue to use if things do not change very soon.I do need to make money to stay in business, the deductable does not cover gas, insurance, parts, license, the cost of doing business. The phone tag and wait period on the phone does not make the contractor any money. It actually loses money at times of peak seasons.
2 service/repair issues the first year in my 13 year old home in Las Vegas, Nevada (water heater & refrigerator not cold). $55 deductible.
Customer service – contact w/HSA through their website. Not much to report on that. Timeliness – HSA responded Monday morning when water heater broke on Sunday morning… HSA responded 3 hours after refrigerator service call made (weekday). Repairs – Replaced water heater 2 days later after technician visit. Had to pay $325+deductible for items not covered under warranty… Refrigerator repaired same day. Overall – only complaint was that service company had to reschedule service for refrigerator repair (1 day). I plan on renewing w/HSA. HSA is good in the Las Vegas area. (warranty companies are only as good as the service companies they use)
(I noticed the complaints about HSA as well as all the other warranty companies. I work in the a/c service industry and run into the same complaints found on this message board. Problem is that people do not read the contract throughly and thus the complaints. You have to have service done on appliances, like your a/c, pool, heater. Items over 10 yrs old will have to be replaced because of technological innovations and the discontinuation of parts for the old units. i.e. you can’t expect a car over 10 yrs old to run well if you don’t service it, plus the older it is, the harder and more $$$ the part would be.)
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.
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 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.
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.
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.
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.
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.
This is the worst home warranty company ever
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!)
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.