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
Pages: « 11 10 9 8 7 6 5 [4] 3 2 1 » Show All
Pages: « 11 10 9 8 7 6 5 [4] 3 2 1 » Show All
Our A/C went out today. Called the help line, no answer, placed a clam on their website, no response from the company they use in town, call the company and talked to their tech, he was too busy to come out to our house, told us to call back and request a new company, as you might of guessed no answer(24/7 my ass). It’s almost 11pm and its over 85 in my house. I will post more as the events unfold but I have a feeling after reading these post its not going to be good.
I have filed 2 seperate calims with HSA. Both claims led to more frustration that just paying out of pocket to begin with. The first claim was for a leaking dishwasher. It took 4 appointments and 7 weeks before they finally decided to replace a part and fix the problem properly. The first 3 visits HSA did not authorize the technician to replace the faulty part, he was only allowed to patch the leak. All three times the leak returned.
The second claim was for a leaking bath tub that caused water damage to the kitchen ceiling. When the plumber arrived and opened the ceiling, he called HSA to report what needed fixed to get authorization. When he told them what needed fixed HSA asked “why do you think it failed?” He said “it could be a number of things” and listed about 10 possible causes. Since improper installation was 1 of the 10 possibilities they did not cover the claim. After the drain assembly was taken apart it was discovered that the actual cause was a worn out gasket. We called back to report it wasn’t improper installation, but a bad gasket and were told “too bad, we already recorded improper installation”. With hold times included the plumber spent 2 hours on the phone with HSA. Since the plumber bills by the hour our bill more than doubled and had to be paid out of pocket.
HSA is a rip off. The claims reps try to find ways not to honor the claims.
I would of NEVER PURCHASED an HSA Home Warranty, the seller purchased it thinking it was a good selling point. I can tell you it didn’t play any part of my decision in purchasing the house,not after reading the contract to figure out it’s pretty much in their favor.It seems like it covers alot of different things until you read the fine print. Then after I had a backed up bath tub I thought I would give HSA a try. They sent a plummer out (Their contracted plummer)after I paid them the $60.00 deductible (Because you will never see that money again even if they can’t do the work)he unplugged the drain. 3 months later same problem, backed up tub drain. Oh you want them to come out again…another $60.00 deductible…I’LL do it myself. Then I THOUGHT I Would Try HSA again.I thought I had this impression that HSA and their chosen contractor’s work together to see how much more money they can get out of you by the contractor saying they can’t do the work unless they do this or that first AT An Extra Charge because of course it’s not covered by HSA. Then HSA sides with their “Chosen Contractor” and you pay out of your pocket and you keep HSA contractors working and HSA already has your money so they don’t care. THIS ONE IS EVEN BETTER….SECOND EXPERIENCE.. Main sewer line backed up into the basement.I call HSA pay my $60.00 to the same contracted plummer BEFORE they come out.Comes out to tell me “OH I can’t clean out your line because your bar sink is running into the clean out” (Big deal a 3/4 inch line with a union right there to take it off)The plummer tells me he will have to install a new cleanout at a cost to me of $450.00.I said no, He left Called my own plummer (never told my plummer what the first plummer said I needed I thought I would see what he comes up with on his own).Comes over (quicker than HSA plummer) Unscrews the union to take off my bar drain 3/4 inch nipple, snakes out the drain, puts the bar drain back together then unplugs my tub drain for me while he’s there. charges me $220.00 and I’m happy with that. Called HSA told them I had my own plummer take care of the drain Without having to install another cleanout. I had my plummer call HSA to verify what they did. HSA calls me to tell me they won’t cover the bill because my plummer pulled out tree roots and thats not covered. I told HSA I’m not looking for you to pay my bill I’m looking to get my $60.00 deductible back since HSA’s plummer said he couldn’t do it unless he RIPPED ME OFF FOR $450.00 first to give me something I don’t need. HSA of course sided with there plummer and said they get to keep the $60.00 because they came out to the house. But HSA wouldn’t explain why there guy was trying to sell me something I didn’t need.And I also just wanted to let HSA know what kind of salesman they have out there that they call plummers. I’m not done with that plumming company yet… since they don’t want to return my call to discuss the $60.00 deductible they kept of mine for doing nothing, I will just refuse to pay the charge on my charge card….
NOT worth the money! Seems like the service companies they contract with are told to come up with lies so they can deny claims.
My first experience with this company was the pits. I had some plumbing issues after I moved in that I noticed later.
The guy came out, I told him about the loose faucet in my kitchen, the toilet hardly flushed, and my water line to my refrigerator was leaking. The guy told me everything looks repairable and he will call HSA to confirm. I went upstairs thinking everything was OK.
I waited a while and then I heard him giglling and laughing on the phone so I went back down. He was on the phone with HSA. He looked at me like he was caught and then handed the phone to the HSA rep.
When I got on the phone, she told me none of the jobs were covered because he said that they were ALL due to improper installation.
WHAT?????? He just told me that they would fix it then as soon as he gets on the phone with her they make a joke out of finding a way to deny my claim.
All the faucet needed was tightening, there was no improper installation. When I had someone else tighten, I never had a problem since.
There was a wrong handle on my toilet but that was because it was old and they don’t make that type of flushing mechanism anymore so the old owners put on the only handle/rod they could find that would work partially. I end up having to to do the same thing, but damn, a handle replacement. They wouldn’t even pay for that????
My water line supposedly, should have had a different shut off valve. Whatever? How could I confirm he was n’t lying, Im not a plumber.
Well to get my money’s worth, I had him snake and clear all of my drain lines b/c I told him they were all backed up. In the end HSA ending up paying anyway, just not the jobs I truly needed.
Buyer beware. We bought our contract June 8th and paid extra for septic and well coverage. Now, after 29 days we had an issue with the septic system. If you read the fine print there is a 30 day waiting period for any repairs on the septic and well. HSA refuses to work with us to resolve the issue and now we learn that our policy is “un-cancellable”. Please be careful what you are getting into with this organization. Oh, the service was quick because I had to call the plumbing company, not because of anything HSA did.
I bougth a home in January 2009 and the seller offered this warranty. I called about the AC. The service tech responded that very day, only to tell me that the system never worked in the first place since it was not installed properly. So now I am out $100 for the deductible and then I get another bill from the tech for the service call, which is stated in the fine print, “if it is not fixable due to other circumstances, you are responsible for the charges incurred.” This is a joke. I would never recommend this to anyone. I may pursue legal action.
In November 2006 I purchased my home which came with a home warranty with HSA that was provided by the seller. In May 2007, I filed a claim regarding my 6 year old, side by side GE fridge. I paid my deductible and thought it was fixed…..wrong…cut to July 2009 same problem and they want me to pay another $75 deductible to “fix” again. Oh did I mention, this will be the 11th or 12th visit that one of their approved technicians will make. THEY FLAT OUT REFUSE TO REPLACE MY UNIT!!! They site under contrACT they have the right to fix or replace whichever is cheaper. How stupid, they have already paid out more in repairs than it would have been to replace it after the first three repairs. This has been a true nightmare and HSA should be shut down for its unethical practices. I am out nearly $1000 in groceries over the two years not to mention the premiuma I paid to them to protect me against unforseen trouble with my home. I feel robbed. What a letdown! DO NOT PURCHASE WITH HSA WARRANTY COMPANY…….HOME SECURITY OF AMERICA (HSA)…MY YOU KNOW WHAT..IN FACT THE “S” IN THE ACRONYM SHOULD BE SCAM OR SHIESTERS
I’m writing this review after hearing of this website and the poor reviews posted for HSA. I’ve been covered by them for 10 months now and have called on them twice. The first time was for my heater not working, the second for plumbing issues. Both were resolved quickly and professionally. I was impressed with customer service and timely responses. They covered everything and we only paid the $50 deductible each time. We will be renewing with this company here soon. It’s kind of like car insurance… you hope you never use it, but when you do, you want good coverage!
This is a waste of your money. After waiting a week for their tech to come in a house without a/c, our claim was denied and I was out of pocket the service call. They don’t cover anything – they attribute any issues to failure to maintain and get themselves off the hook.
This is the fourth year I paid warranty through HSA.The premium is increased every year, but 10% each year. I have an older home,so I thought it will be worth it.This year, I had my water tank broke.The guy HSA sent practically lied to me by saying I have to pay a permit for him to instal the replacement (of course permit is not covered by the warranty). All in all, I still have to pay approx. $300 even after the warranty paid for the new tank. Then I had a problem with broken sewer line in my basement. The guy they sent spent 5 minutes poking, then told me it won’t be covered by HSA because it’s not “interior” line. When I asked why it’s not interior (it’s in the basement, inside the house), he said “because it’s techincally not enclosed in the basement floor (does that make sense???).Then he said he needs to insert a camera to figure out where the actual broke is (camera is not covered by the warranty), bla bla bla. I called HSA, they immediately point me to the contract saying it’s not covered before I can even argue. I will NOT renew my contract.With theamount of money I’m paying annually plus the deductible, if something goes wrong, I might as well get someone I trust and spend the money that way. I am NOT saving anything going with HSA.
Oh, of course this happened on Thursday, the company didn’t call me until Friday, then the guy can’t even make time to get the camera that day and I had to wait until MOnday . I cancelled the appointment immediately and called local plumber who managed to did all that the same day, quoted me half the price of the first guy, and actually spent time trying to find what’s wrong.
Hi, I have read all the bad ratings, I did not want to post my review till I experienced this company fully. I have filed 3 claims with HSA so far. All three were professionally handled and fixed to my full satisfaction and as far as the contract allows it. The only downside to HSA is that they have long wait times on their phone lines. I had better luck accessing an agent on the phone during the day rather than at night. Their website is simple and adequate.
My 3 claims: 1) garage door opener (full replacement with a new opener) 2) Internal plumbing leak (Fixed the leak, installed a new valve) 3) Furnace blower motor. Replaced a GE with a generic AO smith motor. I am not too happy about that, but hope it lasts.
Hope this review helps. My deductible was $100, I wish I had the $50 deductible.
In our dealings with HSA, their business practices are not ethical, their reporting is inaccurate, and their approval/decline process is flawed. Their representatives give conflicting information, fabricate conversations and information, and stall when asked to provide documentation.
After our experience, we would not recommend HSA or a home warranty.
I had a roof leak, and am in an older house. Had a very trusted roofer come over (family friend) tell me what it would cost.. then called hsa, their tech comes in a beat up pickup, no badge, no id… wife didnt want to answer door. He finally pulls out a paper to show who he was. He looks at roof for 5 min, talks to me on phone and says, yep, this will be covered. Then proceeds to tell me this is his first day. THEN writes a report and says the roof leaks due to not putting the older roof on correctly. Its been 15 years…
They deny the claim. I spoke with pres of claims.. he was a very rude person stating I should read my contract better.
They send me a letter denying the claim and in the next paragraph remind my contract is coming up for renewal. Talk about a slap in the face.
I would never do business with these con artists…
I’m sorry to see so many people have had problems with HSA
We bought our 1st home in Aug2006 and the warranty was part of the deal. The house was built in the 50′s. Within the 1st year, we used the warranty to replace parts in our furnace. The furnace is over 30yrs old and apparently the part that needed replaced was about $200. They sent one of their preferred contractors out, we paid the $50ded, and that was it. Short and simple.
Then our water heater began leaking in Jan2008. HSA had a little trouble getting a contractor on short notice, so we were able to contact the same contractor who’d fixed the furnace. The water heater was replaced within a day. Again, no problems. FINALLY, our AC went out last summer. It was a Sat night, and they couldn’t get someone out until Sunday afternoon. Their contractor came out on Father’s Day. We ended up needing a new AC due to a freon leak, and the unit was installed within a week. It took a little longer than we would’ve liked (believe HSA only orders the unit from a specific place) but, $150ded and we had a brand new, very efficient unit.
I’ve saved THOUSANDS with my warranty, and will continue to keep my policy as long as there’s something in my home that is covered. When I sell the house, I’m planning on including a year of the warranty as incentive to the buyer.
As stated above, they did allow me to select one of their contractors, and I highly recommend both Preferred Mechanical as well as Jake’s Heating & Air.
The warranty coverage is a sham! Their coverage sucks and the customer service people and decison-makers are short and have no idea what customer service is. I bought a house in the Indianapolis area in November 2008 with an HSA Home warranty on it. In late January, I noticed a leak from the roof on my living room wall. After over 4 months of going back and forth with HSA, they are still refusing to pay the claim basing their decision on “improper installation” when I bought a 10 year old home (built in 1998) and obviously have not done anything to the roof. My realtor, the realty company and MIBOR have all sided with me on my claim, but to no avail. They will find anyway they can to get out of paying for warranty – AVOID THEM LIKE THE PLAGUE!
PLEASE READ…….THIS IS A RIP OFF. DID ABSOLUTELY NOTHING FOR ME. My air condition went out less than 2 months after I bought my house. After having to contact HSA several times, they denied my claim. So, I WAS OUT OF THE $75.00 DEDUCTIBLE, THEN I had to fix all my air condition charges myself out of pocket and then I was hit with a bill from the company that came out to check and diagnose my problem( who did absolutely nothing). WHAT A RIP OFF, THIS IS ROBBERY.. Please, DO NOT REFER ANYBODY TO HSA FOR HOME WARRANTIES… PLEASE DEMAND TO SPEAK WITH VICE PRESIDENT MICHAEL HERMAN.
This company is no good and the service is very poor. They will try everything to deny your claim. The technicians they sent out are unprofessional and not honest at all. I have a AC unit for 18 years and quit working this year and they say it will not be covered because of the technician’s report. The technician told HSA a totally different story about what is wrong with the unit than what he told me. (The HSA technician never perform any dianostic test). I have to pay for someone else to diagnose the problem. When the problem is that I need a new unit, HSA refused to cover it. I am going to cancel the contract and will never use HSA again and I will tell all my friends too.
There CSR’s give off the impression they DO NOT CARE. I know they probably really don’t but it is their job to be polite and concerned. The tech’s they send are very unprofessional. I have had my warranty for just under a year and have attempted to file 3 claims and of course none of them were covered. I would never recommend this company to any friend or family as my realtor never will again either.
This warranty was purchased by my agent and the service I received was great! I would definately renew my agreement with them.
HSA has really saved me alot of money over the past year. My agent recommended HSA when we purchased our home. Our first failure was with our 5 year old furnace. Certainly not what we had expected, of all the older systems in our home, we hadn’t planned on such a new furnace to break, but it did and HSA paid over $700 for a new blower motor. Then our washing machine broke a few weeks later. The repair company installed a new motherboard which HSA covered. Unfortunetly that didn’t do the trick, but that wasn’t HSA’s fault, it was just a misdiagnoses. The tech wanted to replace the motor, but instead I just opted for the cash out for the repair ($580) and went out and bought a brand new washing machine and only had to pay $150 out of my pocket for a new washing machine! I think that HSA has a great product and great service. Thanks to my agent for recommending it to me and thanks to HSA for saving my family money. Especially in this economy.
I have had this service a year now and I will tell you what when this contract is up it will be canceled. CSR are terrible. I have had work done on my air 3 times in the last year for the same problem they will not replace it they keep putting a band aide on the problem and then its out again between six to seven months. Then it takes 4 days to get it fixed when its 110 outside and the same inside does not make for a happy camper. It would have been cheaper in the long run just to replace the unit at 1600.00 then already dishing out almost 2K and I guarantee you they will be out again before the summer is over. The good techs they don’t keep. Its the cheap ones and then you have to wait. I was told by there CS that 4 days isn’t bad ..Well HELLO SHE’S NOT SITTING IN A HOUSE THAT OVER 100 DEGREE’S..STAY AWAY.
the complaints are from the heart. the warranty places good stories to offset bad experiances. not all services are bad . not all reps for hsa are bad. can’t we all just get along?
RUN AWAY!! Don’t waste your money! This company does not care at all about your problems, or the quality of repair. Their goal is to spend the absolute smallest amount of money to “band-aid” the situation. My experience has been with both plumbing and HVAC. Currently fighting with them (again) over furnace repair. Seriously, don’t waste your money!
read your contract…….have service performed on everything from your bathroom toilet to your garage door opener every six months. Then maybe if your 35 year old dishwasher breaks hsa can still not cover the failure due to lightning striking the WAL-MART store in DALLAS TEXAS when I live in GULFPORT MISSISSIPPI!!!!!!!!! READ YOUR CONTRACT PLEASE BEFORE CALLING AND PAYING SERVICE DEDUCTABLE