Home / Companies / HSA Home Warranty

Last updated: September 16, 2021

HSA Home Warranty Comprehensive Review

Home Security of America, popularly known as HSA Home Warranty, is based in Cross Plains, a suburb of Madison, Wisconsin. The HSA brand is owned by the industry leader, Frontdoor Inc., which also owns American Home Shield and Landmark Home Warranty. Since their inception in 1984, Home Security of America has provided home protection to thousands of homeowners by offering repair and replacement services. Their plans also aid home buyers, sellers, and real estate professionals while selling or buying a home.

HSA home warranty plans offer coverage for the major appliances and systems in your home at budget-friendly prices. HSA's multiple home warranty options, like the two plans, 7-star Upgrade and optional coverage, provide peace of mind to their customers. Read on to learn more about HSA plans, coverage, and prices.

Pros

Online customer portal to solve issues
Offers Electronics Plan
Covers security fixtures
Home inspection not required

Cons

No plans specifically mentioned for homeowners
No nationwide coverage

2,211 Reviews

Premium

$589-$619

Deductible

$100-$125

Coverage Limits

N/A

BBB Rating

Active States

Complaint Resolution Program

833-809-7446

$3000

Estimated Appliance Coverage

$1,500

Estimated System Coverage

No. Of Active States

Complaint Resolution Program

HSA Home Warranty Plans

Home Security of America offers two comprehensive plan options covering unexpected repair or replacement expenses and optional add-ons.

Basic Plan Seller/Buyer - This plan covers the repair and replacement of most appliances and home systems. However, coverage for central heating, central air/heat pump, thermostat, and ductwork is optional for sellers. The listing period for the Seller Plan lasts 6 months from the purchase date, but it can be extended for an additional 6 months.
Basic Plan Buyer - The basic plan for buyers is more comprehensive than the Seller/Buyer plan. It includes major home systems like central heating, septic system, and other items in its standard coverage.
Buyer 7-Star Upgrade - The 7-star Upgrade enhances your basic plans’ coverage to include more items.
Optional Coverage For Buyer - HSA’s add-on coverage includes items that are not a part of any other plan. These items come at an additional cost.

HSA Home Warranty Costs And Coverage

The cost of HSA home warranty coverage plans varies for each state. The average annual cost of a basic HSA plan is around $550. The pricing of the basic Buyer and Seller/Buyer Plan is about the same. The deductibles, or service fees, range from $100-$125 for different states. The 7-Star Upgrade is available to add to your basic plan for an additional $149. Prices for optional add-ons vary for each item.

Coverage for sellers is effective from the date of purchase, while the Buyer plan is effective from the date of closing. There is a waiting period of 15 days before coverage kicks in for properties that are not involved in a real estate transaction. Take a look at the coverage options for the Basic Buyer only and Seller/Buyer plans below.

Buyer Only	Seller/ Buyer
Failure due to rust and corrosion	Failure due to rust and corrosion
Failure due to lack of maintenance	Failure due to lack of maintenance
Built-in microwave oven, oven, stovetop/ range	Built-in microwave oven, oven, stovetop/ range
Trash compactor, dishwasher & garbage disposal	Trash compactor, dishwasher & garbage disposal
Plumbing parts and primary sump Pump	Plumbing Parts and primary sump pump
Refrigerator (including ice maker/ beverage dispenser)	Refrigerator
Water Heater and instant hot water dispenser	Water heater and instant hot water dispenser
Failures due to water heater sediment	Failures due to water heater sediment
Faucets and routing of drain line stoppages	Faucets and routing of drain line stoppages
Water, drain, gas, and waste lines	Water, drain, waste, and gas lines
Electrical system	Electrical system
Whirlpool bathtub	Whirlpool bathtub
Polybutylene leaks	Polybutylene leaks
Toilet tank, bowl, and wax ring seals (replaced with builder’s standard)	Toilet tank, bowl, and wax ring seals (replaced with builder’s standard)
Garage door opener	Garage door opener
Ceiling fans and interior and attic fans	Ceiling fans and interior and attic fans
Re-key	Re-key
Central heat, central air/ heat pump, thermostat	Optional
Ductwork	Optional
Septic system
Lighting fixtures and central vacuum
Burglar alarms, fire alarms, and doorbell system
Roof leaks

7-Star Upgrade

This upgrade adds the following items to your standard plans -

Clothes Washer & Dryer
Removal and disposal of replaced equipment
Oven/range interior lining, clocks, rotisseries, racks, handles, knobs, and dials
Permits up to $250 per occurrence
Central air: refrigerant recovery and non-ducted window or wall air conditioner
$250 toward code violations
HVAC: registers, grills, filters, and heat lamps
Mismatched heating and/or air conditioning system
Improper installation/repair
Crane charges for rooftop air conditioning or heating replacement
Central heat and air: registers, heat lamps, and grills
Smoke Alarms
Garage door opener: hinges, springs, keypad, and remote transmitter
Refrigerator: refrigerant recovery and ice maker/beverage dispenser
Trash compactor lock/key assembly and bucket
Disposal of replaced equipment
Dishwasher racks, baskets, and rollers
Built-in microwave oven interior lining, door glass, clock, and shelves
$500 toward modifications on central heat, air, or water heater

Optional Add-ons

You can get additional coverage for your home by buying the optional add-ons HSA offers -

Asurion Electronics Plan
Electronic Air Cleaner
Septic System (optional in some states)
Clothes Washer/dryer
Hot Tub
Water Softener
Water Well Pump
Swimming Pool
Pool/ Hot tub combination (must share similar mechanicals)
Home Freezer

HSA Home Warranty Claims And Customer Service

Filing a claim with HSA is fairly simple. Before doing so, we recommend carefully going through your service agreement to understand which items are covered in your contract. Any service request to repair or replace an excluded item will result in your claim being denied.

You can place a home warranty service request on their official website or call their phone number - 1-800-367-1448. Speak to the customer service representatives who are available 24/7 to handle your request.

After you file your request, a service technician will come to your home to identify and repair the covered appliance or system. You will be required to pay the contractor a service call fee.

HSA Home Warranty STATES AVAILABILITY

HSA home warranty provides their services in the following states:

States Covered

Corporate Office

States Not Covered

Factors Customers Must Be Aware Of When Using HSA Coverage

There are certain limitations and exclusions to your HSA home warranty. Abuse or misuse of covered items are grounds for claim denial. As all items should be well-maintained for successful claims processing, you should get a home inspection done to prove that all of your appliances and systems are in good working order.

Appliances and systems will not be covered if natural calamities or acts of God caused the damage. You should also be aware that not all components of a covered item are eligible for coverage. For example, the central heating system’s coverage includes forced air furnaces, radiant electric including wiring, ductwork-attached humidifiers, thermostats, etc. Other components, like the collector box, chimneys, fireplaces, coal and wood-burning equipment, and more are excluded. Similar exclusions apply to other covered items.

You should also be aware of the coverage caps for your covered items. The aggregate amount for coverage is set at $25,000, with a $5,000 per mechanical system sub-limit.

To get comprehensive and exact details of an HSA home warranty, get a free quote today!

Is HSA Home Warranty Worth It?

HSA home warranty has been in business for a long time, and its contractor network is well established. The company's comprehensive coverage options, repair process, and repair times have also been positively reviewed. On the other hand, HSA does not offer nationwide coverage, limiting its reach. We stress the importance of research before making a decision. If you still want to weigh your options, you can check out our list of top 10 home warranty companies.

HSA HOME WARRANTY FAQs

Does my policy get transferred to the new homeowner if I sell my property?

Yes, your policy can be transferred to the new homeowner when you sell your property. You can call HSA home warranty providers at 1-800-367-1448 to notify them of the closing date and the buyer's details. You will need to send a copy of your settlement statement to prove the transfer of property to the new owner.

Is everything in my home covered under an HSA home warranty?

No, as is typical of any home warranty, not everything in your home is covered under your HSA plan. You should carefully read your home warranty contract to get a clear picture of what is covered and not covered in your policy.

What is HSA home insurance?

Home Security of America is not an insurance company, so HSA home insurance is a misnomer. A home warranty is a service contract, legally a different tool from home insurance.

How is a home warranty different from homeowners insurance?

Homeowner's insurance is a form of property insurance and is a requirement when applying for a mortgage. It covers any structural damages caused to the property, loss or damage of any assets and belongings, and injuries sustained on the property's premises.

Often confused with Homeowner's insurance, a home warranty is a 12-month service contract that covers repair or replacement expenses if the major systems or appliances in your home break down due to wear and tear. Another key difference, i.e., a homeowner's insurance covers damages caused by accidents, natural disasters, and other causes, but a home warranty doesn't.

If you choose to purchase a home warranty in addition to homeowners insurance, you will have all-inclusive coverage for your home.

Does an HSA Home Warranty cover the garage door?

Yes, an HSA home warranty will cover the breakdown of a garage door opener. Coverage includes 2 systems, covering track assembly and carriage unit, but only if they are a part of the opener unit.

How does HSA Home Warranty replacement work?

When you file a claim upon the breakdown of a covered item, HSA decides whether a replacement is needed. The technician helps the company by diagnosing the issue. If the item is deemed beyond repair, the company will replace the item. They may choose to offer you cash instead of replacing the item in some cases. If they provide a replacement, they get you a device with the exact functional specifications but not necessarily of the same color or an upgrade.

Does HSA HW cover water damage?

HSA home warranty does not cover any damage caused by water. However, you can equip your home with a home warranty to prevent any water damage at all. Any factors that can cause potential water damage like leaky or burst pipes, old water lines, roof leaks, etc can be repaired with a home warranty and can help you avoid a worse situation.

Does HSA cover the foundation?

No, HSA home warranty does not cover any damage caused to the foundation, walls, ceilings, roof, or structural floor base of a home unless specifically identified as covered.

If I file a claim, will I be required to pay any additional charges?

In most cases, the only additional cost you'd have to incur is a trade service fee. However, some installation charges are not covered, which you would have to pay out of pocket. There may be other charges. You can find them by reading your sample contract.

Can I choose my contractor?

While some home warranty companies allow you to choose a contractor, HSA home warranty does not give you that option. Instead, HSA will set up an appointment with qualified service contractors to fix the problem.

How to Cancel HSA Home Warranty?

The HSA home warranty is non-cancelable by the company except under the following circumstances -

If the contract fees are not paid
If there is a misrepresentation or fraudulent portrayal of facts by the customer
If the listing expires or is withdrawn (in case of Seller Coverage)

The customer can cancel HSA home warranty with no deduction within 20 days of purchase if no claims have been made. Otherwise, you will be charged an administrative fee upon cancellation. However, this is possible only if there is a state law allowing cancellation.

Is HSA home warranty a scam?

HSA home warranty has been in the home warranty industry for more than 30 years. However, there are allegations about its authenticity due to some poor customer reviews criticizing the claims process. Most of these reviews can be chalked up to a misinterpretation of the HSA service contract. Any misunderstandings of a similar nature can be cleared up by going through the service agreement carefully.

People are also interested in

American Home Shield (AHS)

ServicePlus Home Warranty

Choice Home Warranty

HSA Home Warranty REVIEWS

Preston, Big Lake, AK

On Sep 17, 2021

Having a terrible experience with HSA home warranty. We’ve been with out heat for 2 weeks and we live in Alaska.. we’ve had the contractor they wanted to come out and he’s diagnosed the problem and has the parts ready to install but when we called customer service (an outsourced call center in India, barely can even understand what there saying.) they say that “the contractor had asked for someone else to come out and do it” bc he didn’t know if he could fix it. So I call the contractor and he says he’s got the parts ready to install and just waiting approval from them and he thinks they won’t approve because the parts are expensive. Then I call the customer service center back and brought to a different lady where she tells me I’m sorry you heard differently but we have been requested a transfer and I ask her to call the contractor back to confirm and SHE HANGS UP ON ME! I have tried lookin for any contact number I can but this is the only form of contact they have. It’s 40° and winter is coming and they are blowing me off like this. Will make sure everyone see this till they make it right ..View less

Helpful

Be the first one to find this review helpful

Valerie Paige, Kennesaw, GA

On Sep 13, 2021

I will not ever recommend this warrenty company to anyone. Customer service is awful. On hold for at least 15mins every time I call. Different agents always tell me something different. I was told and emailed a letter about a refund. Instead I was charged again and no one seems to have any record of this, but I see the charge on my bank account. Will no longer do business with this company. It's always d ..Read Full Review

Helpful

Be the first one to find this review helpful

Genie Thiss, Winona, MN

On Aug 18, 2021

Honestly I'm upset I have to give them one star. After a week, I have no water in my bathroom and the ticket I've submitted has not been escalated or a technician found. I've had to hire my own plumber to come fix the issue. Also the cost of this has increased so much over the past years. The first year it was about 700$ and now it's well over 950$. This does NOT include the 75$ they PRECHARGE to do nothing with your ticket. If you're looking for a home warranty insurance, look elsewhere! Their phone techs have no control over getting tickets escalated. Repairs take so long that there is no point. It's expensive to the point where you might as well not spend the 1k/year and just save it for a rainy day fund. ..View less

Helpful

Be the first one to find this review helpful

Dee Lampson, Rockford, IL

On Jul 26, 2021

I am wondering if there is something that can be done VIA: Disabilities act? Or get some assistance to get our problem solved. I have had good experiences with plumbing issues when using our HSA warranty. But this situation with the A/C is unacceptable. First contractor issued for broken A/C never set apt. Never came out, never returned phone calls. Got a contractor change. They came out. Assessed replacement. We signed and agreed to the additional charges of $1730.00 (not chump change) IMMEDIATELY. were told they had gotten the authorization from HSA and would contact us when the unit was ready to install. More than a month later...Numerous phone calls to both the installer and HSA....NOTHING but some bullshit on dropping the ball on communications with the approval #! I am at my wits end. My husband is a diabetic, stage 4 Cancer patient currently on Chemo, who actually has a doctor's order for climate control we needed for the electric co. No service for over a month in 90' temps with high humidity. I am giving a ZERO until this is handled...Beyond Pissed off. ..View less

Helpful

Be the first one to find this review helpful

DANIIL VASILESCU, Atlanta, GA

On Jul 22, 2021

Good Day, This is related to your contractor A** D***** for their assignment to fix the HVAC unit compressor of the unit of my address 3*** W**** R**** P*** ** U*** 7**, A****** G* 3*****. Yesterday July 17th, 2021 the A** D***** technician came for the 4th time to replace the compressor. However, today the temperature in my apartment is 78 degrees when the thermostat setting is 72 degrees. It is worst than the previous situation. Now, the HVAC works 24 hours a day without the slightest and most acceptable efficiency. Who will be paying our power bills? Our question is if you, as a guarantor provider, the HSA Home Warranty can trust the expertise of A** D***** who, after four visits for this case, still have not solved the cause of the HVAC malfunction in my condominium. We waste a lot of hours a day trying to get in touch with H*** A** D***** and we are put on endless hold for an unacceptable time. We hope that our complaint has been fully understood by the HSA Home Warranty. Please take urgent action and resolve this case, which has already reached a deadline that requires us to take further action. We are convinced that this message will be fully understood by you and that you will take absolutely necessary action. We waste a lot of hours a day trying to make the phone call to H*** A** D*****, at (7**) 4**-8****, where we are put on endless hold for an unacceptable time. We hope that our complaint has been fully understood by you. Please take urgent action and resolve this case, which has already reached a deadline that requires us to take further action. We are convinced that this message will be fully understood by you and that will take absolutely necessary action. Your immediate response and proper action are highly appreciated. Regards D***** V******** 4** 3** 4******** W**** R**** P*** **, U*** 7** A*******, G* 3***** ..View less

Helpful

1 people found this review helpful

Debi Oesch, Winfield, MO

On Jul 19, 2021

Will never use this home warranty ever. We have had an 11 year old stove/oven that has been serviced 4 times in the past year. Each time 100.00. It was 31 days since our last service which they replaced the touch board and they still wanted me to pay 100.00. 400. 00 could almost buy a new oven.

Helpful

Be the first one to find this review helpful

Hannah, Homestead, PA

On Jul 15, 2021

Terrible customer experience. The website / customer portal makes it look like far more is covered than what is in the contract, and it is very difficult to understand what is and isn't covered in the contract. Paid an electrician $100 to look at my issue for 2 minutes and then the insurance company marked the issue as resolved even though I found out two weeks later it was rejected and out of contract. ..Read Full Review

Helpful

Be the first one to find this review helpful

Ariella, Cleveland, OH

On Jul 08, 2021

We've been without ac for a week. Horrendous. On hold all day long. Can't even think it's so hot and they just don't care and transfer you again and again and they suck the end.

Helpful

Be the first one to find this review helpful

Judy Bronowski, Dyer, IN

On Jun 22, 2021

Buyer beware -- This is not the same company that it was 4 years ago. Worst customer service encountered in any service industry, very frustrating to deal with customer service agents who are not US based, and have no authority to help with anything but the most basic issue/service request. Would never recommend, or renew my current contract.

Helpful

1 people found this review helpful

Michael, Ambridge, PA

On Jun 22, 2021

Most of their HVAC contractors aren't reliable. My boiler started to leak, and after 2 weeks and 3 different contractors, not one returned phone call. I'm going to call someone myself. Dealing with HSA defiantly isn't worth the stress. I will say that the agents I've dealt with have been nice and pleasant.

Helpful

Be the first one to find this review helpful

Deepak, Buffalo, NY

On Jun 21, 2021

Stay away! Very dishonest. its been 3 weeks without hot water and we have a new born in the house. They take atleast a week for every step. Its been 2 weeks since I asked them to email me the estimate as they informed me that I have pay extra for things that are not covered. I still haven't got any email from them. They make you desperate so that you would just do anything to get things done and don't ask questions. I am glad my warranty is expiring in a month. I will make sure no one in my circle end up taking this warranty. There is no way you can talk anyone other than some low level customer care rep sitting somewhere in another country. Even those reps have limited info so they cannot help you if they want to. Everything is well planned to deceive people. Good bye HSA! ..View less

Helpful

Be the first one to find this review helpful

Bob, Pittsburgh, PA

On Jun 18, 2021

This company is an absolute joke and I am trying to figure out how they are able to stay in business. May possibly have the worst customer service I have ever encountered as I have been told to wait 24 hours for someone to call me back for the last 7 business days! I have asked for simple information on an A/C claim, what is the out-of-pocket and how do I go about getting this fixed? Same response every ..Read Full Review

Helpful

Be the first one to find this review helpful

Schultz, Zionsville, IN

On Jun 17, 2021

WORST COMPANY EVER - My parents have been waiting for nearly a month to get their HVAC system replaced. The technician came out almost a month ago and said the system needed replacing due to numerous problems including dangerous wiring issues. We have been given the runaround ever since. We were told on the 12th call that everything was authorized, my parents agreed to pay a portion of the repair, they ran down a list of what was being covered and what wasn't. The gal on the phone said they'd send the orders to the tech. We asked for a copy of the list she read off regarding what was covered and what we were paying for. She told us she wasn't authorized to send that to us and she'd call back within an hour after she talked to her supervisor to see what they could send us. That was 5 days ago. Two days ago, they told us they were waiting for authorization . . . Really?? What happened to the other authorization. In the meantime, we are all suffocating in the heat because we have no a/c. NEVER, NEVER use this company. If I could give them ZERO stars, I would. We are contacting an attorney! ..View less

Helpful

1 people found this review helpful

Sheri, Butler, PA

On Jun 14, 2021

Have been without air conditioning now for 22 days. Their customer service is a joke. This company should be put out of business. If I could give no stars I would. This company is such a rip off.

Helpful

2 people found this review helpful

Miatta Kay, Indianapolis, IN

On Apr 27, 2021

Horrible Service: DO NOT USE!! I should have paid attention to the warnings from ALLLLL these reviews complaining about HSA (literally nothing)warranty. I paid almost $700 premium and never needed anything done/repaired the whole year. At the end of the year I asked for a simple kitchen sink leak (which I was also charged an additional $100) to be fixed. The cheap Marathon contractor came out and did a t ..Read Full Review

Helpful

2 people found this review helpful

Phyllis Lee, Rockford, IL

On Apr 15, 2021

HORRIBLE...I'M A MIDDLE-AGED WOMAN RAISING MY GRANDDAUGHTER AND I HAVE BEEN WITHOUT A FRIDGE FOR ALMOST 2 WEEKS. HSA YOU SHOULD BE ASHAMED OF THE RUN AROUND YOU AND APPLIANCE HERO HAVE GIVEN ME. I LOST ALL THE FOOD AND MILK AND MEDICINES A WEEK AGO AND NO ONE HAS CALLED ME YET. EVERYONE THAT HAS HSA SHOULD CANCEL AS I AM GOING TO NEGOTIATE A DEAL WITH ANOTHER WARRANTY CO. AND WILL BRING THEM BUSINESS T ..Read Full Review

Helpful

1 people found this review helpful

Nova Payne, Anchorage, AK

On Apr 14, 2021

Absolute scam. DO NOT use HSA. They don’t actually cover anything. They have exceptions for everything. Door fell off my microwave, they don’t cover doors or hinges or really any part of a microwave. It broke the stovetop, and there were probably 5 or 6 reasons they wouldn’t cover the stove top. I requested a second opinion got the contractor to look and after not hearing from them for months I checked my account today and they closed my request without even denying me. No reason. Oh, the first time I was denied I called and they can /tell/ you why you’re denied but you can’t receive the denial by email ONLY mail and I asked it to be mailed, never got it. Customer service just talks circles. Oh, and it’s $100 for a service request, when my claim was closed they have an option to pay another $100 dollars and request service again. ..View less

Helpful

1 people found this review helpful

lindsi thompson, Saint Charles, MO

On Mar 30, 2021

I had the worst experience with hsa, do not use them as your home warranty! I have had this contract for 4 years and never missed a payment, my dishwasher broke 6 weeks ago and still is not fixed! I have called over 7 times and customer service agents just talk circles around you! I feel like they just want you to give up! I will be canceling if I ever get my dishwasher fixed! Do not use this company! Tr ..Read Full Review

Helpful

Be the first one to find this review helpful

Mark Abbott

On Mar 09, 2021

Terrible Experience. In the 3rd month of the warranty they notified me that I had a past due balance. I told them the sales person said they would give me a discount if I paid it in full on the initial call, which I had done. They said they had no record of that and that I owed more. So I said just refund my money if you are not going to honor the price that I was quoted. Then they wanted to prorate ..Read Full Review

Helpful

Be the first one to find this review helpful

Jose Gonzalez, Kankakee, IL

On Mar 05, 2021

HSA replaced my Lennox furnace with a poor quality Payne (Carrier) unit that is not preforming well at all. The new unit was physically damaged during transportation and the fan unit had to be replaced under warranty right away. Furthermore, the unit keeps tripping out by an internal high temperature safety device and is not able to keep up with the heating demand of the house (69F setpoint) whenever the outside temperature is below 30F. Two weeks after installation I still don't have reliable heat in my house. I am not satisfied with HSA performance and would not recommend them based on my experience. ..View less

Helpful

Be the first one to find this review helpful

Ready to share your home warranty experience with HSA Home Warranty? Click here to write your own review

HSA Home Warranty RATINGS

RATINGS

2,211 Reviews in Total

Customer Service

Repair Time

Quality of Repair

Claims and Settlement

Write A Review