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Home  /   Companies /   HSA Home Warranty
icon Last updated: June 18, 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. Since its inception in 1984, Home Security of America has provided home and financial protection to thousands of homeowners by offering repair and replacement services. They also aid home buyers, sellers, and real estate professionals during the real estate transaction process.

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 7-star Upgrade and optional coverage, provide peace of mind to their customers. Read on to learn more about HSA plans, coverage, and prices.

 $company_name
Rating starRating starRating starRating starRating star
2,200 Reviews

Premium

$589-$619

Deductible

$100-$125

Coverage Limits

N/A

BBB Rating

B

Active States

25

Complaint Resolution Program

No

$300

Estimated Appliance Coverage

$1,500

Estimated System Coverage

25

No. Of Active States

No

Complaint Resolution Program

WHY HSA Home Warranty?

  • Providing Home Warranty Services since 1984
  • Customer service available 24/7
  • Online portal made available to solve any customers-related issues
  • The policy comes into effect within 30 days
  • HSA service guarantee
home service img

HSA Home Warranty PLANS

Home Security of America offers four comprehensive plan options that cover unexpected repair or replacement expenses.

  • Basic Plan Seller/Buyer - This plan covers the repair and replacement of most appliances and systems. However, coverage for central heat, central air/heat pump, thermostat, and ductwork is optional for sellers. The listing period (coverage term) 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 optional 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 generally 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 -

  • 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.

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, 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 your HSA home warranty, you should refer to your service agreement.

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.

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 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 an 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.

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. HSA will set up an appointment with qualified service contractors to fix the problem.

Does the coverage vary depending on my location?

Yes, coverage varies depending on where a customer lives. All customers must check which devices are covered in their state before signing up. Reading other customers' experiences on HomeWarrantyReviews.com can help you better understand coverage nuances of your plan.

Is HSA home warranty a scam?

HSA home warranty has been in the home warranty industry for more than 30 years. 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.

HSA Home Warranty REVIEWS

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Bob, Pittsburgh, PA

On Jun 18, 2021

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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

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 day..."keep your phone line open and wait for someone to call you" I have been told this for the last 7 days!!! Definitely stay away from these guys!! Wish I could give zero stars ..View less

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Schultz, Zionsville, IN

On Jun 17, 2021

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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, the ..Read Full Review

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

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Sheri, Butler, PA

On Jun 14, 2021

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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.

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Miatta Kay, Indianapolis, IN

On Apr 27, 2021

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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

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 terrible job, within 30mins of him leaving the SAME sink started leaking again. Its been 2 WEEKS of me getting the run around and still not fixed ..View less

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1 people found this review helpful
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Phyllis Lee, Rockford, IL

On Apr 15, 2021

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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

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 THEREFORE CUTTING OUR RATES. COMING SOON TO SOCIAL MEDIA...CANCEL CULTURE ON HSA ..View less

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Nova Payne, Anchorage, AK

On Apr 14, 2021

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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 ..Read Full Review

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

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lindsi thompson, Saint Charles, MO

On Mar 30, 2021

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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

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! Trust me!! ..View less

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Mark Abbott

On Mar 09, 2021

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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

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 the refund for the time that had elapsed. DO NOT TRUST them when they say they will give you a better price to close the deal. ..View less

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Jose Gonzalez, Kankakee, IL

On Mar 05, 2021

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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 t ..Read Full Review

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

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Thomas, Hudson, OH

On Jan 07, 2021

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HSA Home Warranty has poor customer service, doesnt cover enough, and uses lower-end contractors and materials on home repair jobs, even under their premium plan. The companys guiding principle appears to be to avoid paying. Weve wasted hours on the phone with them for even the simplest, most obvious request. Their call center agents are not fast, efficient, knowledgeable or helpful. One person will ..Read Full Review

HSA Home Warranty has poor customer service, doesnt cover enough, and uses lower-end contractors and materials on home repair jobs, even under their premium plan. The companys guiding principle appears to be to avoid paying. Weve wasted hours on the phone with them for even the simplest, most obvious request. Their call center agents are not fast, efficient, knowledgeable or helpful. One person will tell you something, then another person will contradict it later, and there is no traceability or accountability when this happens; it wastes a lot of time and is very frustrating. You can never escalate to a supervisor or manager. Several times they told us a supervisor or manager would call us back, and that NEVER happened. They dont cover many common, routine repairs that you might presume they would cover, so read the contract carefully and understand up-front that if a gray area arises they will not pay. They get in with real estate companies like ******* *****, who use HSA as a way to streamline the home buying process for the benefit of THEMSELVES (i.e., they can tell you not to worry about this or that potential problem with the house because of the warranty). This is a gimmick, and I think in the long run it reflects negatively on ****** ****** reputation as well. ..View less

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Tom Dickson, Sewickley, PA

On Jan 05, 2021

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You better be very careful before you buy a home warranty. They are not responsive to emergencies like when you have issues like no hot water for 3 days. Other issue we have no I’d fault refrigerator for which there is no replacement part available and yet no word frlm HSA on replacing our frig. Very disappointed.

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Randy Humerickhouse, Anderson, IN

On Dec 30, 2020

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My furnace was having a problem so I contacted my home warranty and they connected me with Honest Abe’s heating and cooling. They found the problem right away. It was the blower fan and motor. The furnace was 18 years old. They found a blower fan in Illinois and shipped it overnight. The next day it was replaced. A couple days later it started having a problem again. I called their office and they ..Read Full Review

My furnace was having a problem so I contacted my home warranty and they connected me with Honest Abe’s heating and cooling. They found the problem right away. It was the blower fan and motor. The furnace was 18 years old. They found a blower fan in Illinois and shipped it overnight. The next day it was replaced. A couple days later it started having a problem again. I called their office and they sent their technician out that same morning. He said the parts are obsolete and it needed replaced. That was yesterday. This morning at 8:15 they were in my driveway with a new Lennox furnace! By noon my house was toasty warm. They were always professional, friendly and quick to get back with me. They did an awesome job. Honest Abe’s is fortunate to have these employees! An unbelievable experience! I had a new furnace running the next day. I was impressed! My only complaint is that the warranty didn’t cover the entire bill like I thought it would. But I still came out ahead. ..View less

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Erika Powers, Independence, WI

On Dec 10, 2020

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They're in INDIA! When you call customer service, you get canned responses. They don't answer the phone, so I had to fill out a service request online, and pay the $100 deductible without even talking to anyone. It was days before Frontier Appliance Repair scheduled an appointment. The microwave was less than a year old (I just bought the house the microwave was in, so how would I have known), so he woul ..Read Full Review

They're in INDIA! When you call customer service, you get canned responses. They don't answer the phone, so I had to fill out a service request online, and pay the $100 deductible without even talking to anyone. It was days before Frontier Appliance Repair scheduled an appointment. The microwave was less than a year old (I just bought the house the microwave was in, so how would I have known), so he wouldn't fix it, AND HSA Home Waranty wouldn't give my deductible back! They made money, their sub-contractor made money, and I got screwed. Do not buy insurance from this UNAMERICAN company. ..View less

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Sherri Askea, Villa Rica, GA

On Dec 04, 2020

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Worst customer service ever. We have had the service since we bought our hours in 2017. Started having issues with our dishwasher about a year later and still to this day do not have a working dishwasher. Service company stated the dishwasher should be replaced yet HSA will not replace the dishwasher and will not have a supervisor contact us after multiple requests. We've paid religiously for a worthless ..Read Full Review

Worst customer service ever. We have had the service since we bought our hours in 2017. Started having issues with our dishwasher about a year later and still to this day do not have a working dishwasher. Service company stated the dishwasher should be replaced yet HSA will not replace the dishwasher and will not have a supervisor contact us after multiple requests. We've paid religiously for a worthless service. Can not even justify any star rating. Horrible ..View less

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La Mecca Wright, Euclid, OH

On Dec 01, 2020

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9/16/2020 I file a claim and the company refuse to send out a basement contractor or anyone to fix the issues I have called 50 times no lie and still my basement is in water, I send A MEESAGE TO THE *** ****** ******* and no response so I see he do not really care about HSA HOME WARRANTY his own company no one return a call or complete a work order I guess you have to sue to get work done

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Sherri Raymond, Red Wing, MN

On Nov 28, 2020

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We have had this company for about 5 years and never had a problem until lately everytime I go to pay online it says no payment due at this time so I call the company and they tell me they canceled our contract even though I paid it so then they say they got it reinstated and the next month the same thing happens I have called and asked for them to send me a bill every month so I can pay it that way they ..Read Full Review

We have had this company for about 5 years and never had a problem until lately everytime I go to pay online it says no payment due at this time so I call the company and they tell me they canceled our contract even though I paid it so then they say they got it reinstated and the next month the same thing happens I have called and asked for them to send me a bill every month so I can pay it that way they tell me they cant send a bill they only time they can do that is for a past due bill but they started sending me a bill at the beginning of the year and now they all of a sudden can't I just dont get it they give us a run around every time I call. ..View less

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Cody Ambers, Knoxville, IA

On Nov 27, 2020

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Worst customer service I have ever dealt with. This place shouldn't even be in buissness still. Never got are dishwasher fixed guy never came back to fix it. Said out two thousand dollar fridge was unfixable. Then after 30 days they give us $395. Waste of money dont buy into hsa warranty.

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chris t, Duluth, GA

On Nov 17, 2020

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it is good to know that caring people are still working. they were polite and listened to the issues i was having. they also called ahead to let me know when they were going to arrive. they assessed and diagnosed problem issue. they took the time

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Chrissy Heard, Springfield, MO

On Nov 17, 2020

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My experience with hsa as a whole wa not so good, I got th runaround big time. But then they sent Messina Plumbing out, this guy was awesome! *** ******* is a caring professional businessman. He was here several hours early, explained everything being done and more I would recommend his service to anyone with plumbing needs. Thank you *** *******!!

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Yueyue Deng, Minneapolis, MN

On Nov 14, 2020

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never use it again. Terrible experience. They concern their business more than servicing customers. They answer the new customer's phone much quick than when you have any complaints, actually, you would be hard to talk to a representative if you have a service following up.

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HSA Home Warranty RATINGS

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