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HSA Home Warranty Review 2022
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HSA Home Warranty
Customer Reviews2458
Premium$40-$50
Service Fee$100-$125
Limit25,000 per contract
Activation30 days
Cancellation FeeNon-Cancelable
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Home Security of America (HSA) is a home warranty industry veteran with over 30 years of experience in the industry. Find out how the company compares to other major home warranty companies in terms of cost, coverage, and customer service. Our detailed review of HSA Home Warranty’s services will help you get all the information about the company and will help you identify if it suits your needs.
Our Verdict:
Homeowners not in the real estate market may be unable to purchase HSA plans. The company mainly offers plans for those with homes listed in the real estate market to be bought or sold, which could be restrictive.
However, they have specialized in offering coverage for listed homes. This gives HSA a competitive advantage in selling plans for homes listed in the real estate market.
Pros
- Basic plan includes major home systems & appliances
- Online customer portal for resolving issues
- Home inspection not required
Cons
- No nationwide coverage
- No choice of your contractor
- No customizable plans
- Plans are only available when purchasing or selling a home
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HSA Home Warranty Plans
Home Security America offers two comprehensive plans: Seller/Buyer Plan & Buyer Only Plan.
Seller/Buyer Plan
The Seller/Buyer plan includes the repairs and replacement of major appliances and home systems. This plan has a listing period of 6 months from the date of purchase. However, you can get an extended home warranty for six months. Coverage for central heating, central air/heat pump, ductwork, and the thermostat is available as an add-on.
Buyer Only Plan
The Buyer Only plan is more extensive than the Seller/Buyer plan. The standard coverage includes normal wear and tear of major home systems such as central heating, septic systems, and other items.
Buyer 7-Star Upgrade
The 7-star Upgrade helps enhance the basic plan coverage to add more items. The upgrade includes-
- $250 toward code violations
- Improper installation/repair
- Removal and disposal of replaced equipment
- HVAC: registers, grills, filters, and heat lamps
- And more!
*Read the contract for details of the coverage
Optional Coverage For Buyer: HSA’s add-on coverage has items that are not included in any other plan. However, you will need to pay an additional cost for it.
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Seller/Buyer
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Buyer Only
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Optional Coverage
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Note: This list is for Georgia. You can check the exact covering and pricing details as per your state by submitting a free quote request.
How Much Does HSA Home Warranty Cost?
The average cost of HSA home warranty coverage plans starts from $45 (approx. $550 annually) for both plans. The pricing of the buyer-only plan and seller/buyer plan range anywhere from $37-$54 (approx. $445-$650 annually), depending on your location.
The deductibles or service fees can range from $100-$125 for different states. The 7-Star Upgrade is also available for an additional $149. The price for optional coverage varies from item to item.
For better information, you can even choose to login into the HSA home warranty page. It will help you gain more insight into its offered plans cost in your area.
For better information, you can even choose to HSA home warranty login.
HSA Home Warranty Discounts
Currently, HSA Warranty isn’t offering any discounts, but you can always check its website for frequent promo codes and festive offers.
HSA Home Warranty Coverage
HSA’s coverage limits are different for each item. If you want to know what home warranty covers, then take a look:
Covered Systems: The estimated system coverage is $1500.
- Central, heat, central air, heat pump, and ductwork
- Water heater and instant hot water dispenser
- Water, gas, drain and waste lines
- Polybutylene leaks
- Plumbing parts
- Electrical systems
- Attic fans, exhaust fans, and ceiling fans
- Garage door opener
- Water heater sediment
- Toilet tank and bowl (builder’s standard); wax ring seals
- Drain-line routing
Covered Appliances: The estimated appliance coverage is $3000.
- Sump pump
- Dishwasher, trash compactor, and garbage disposal
- Whirlpool Bathtub
- Oven, stove top/range & built-in microwave oven
- Lighting fixtures, doorbell, and central vacuum
- Refrigerator (including icemaker/crusher & dispenser)
Optional Coverage
- Electronics Plan by Allstate Protection Plans
- Septic system
- Water softener
- Clothes washer and dryer
- Home freezer
- Roof leaks
- Hot tub
- Swimming pool
- Pool/hot tub combination (must share common mechanicals)
- Water well pump
- 7 Star Upgrade
How To Buy Home Warranty From HSA?
After you have carefully read the terms and conditions of a home warranty from HSA, there are some simple steps you will need to follow. You can order a home warranty online from the HSA website and call the company or place an order for a plan.
Getting the right home warranty plan can be confusing if you buy it for the first time. Our extensive guide on preparing a home warranty purchase can help you in this case.
How Do I File A Claim With HSA Home Warranty?
Filing a claim with HSA is relatively easy. Follow this step-by-step guide for filing a claim:
– You can file a claim by visiting the HSA website or calling on 1-800-367-1448.
– After your request is filed, a service contractor will come to your house to repair the covered appliance or system.
– You will have to pay the HSA service call fee to the contractor. According to your state, it can cost you around $100-$125.
Reading HSA’s reviews will help you get a better understanding of the plans offered by the company. It is advised to check the terms and conditions before calling customer service. Your claim will get denied if the item is not in the service contract.
HSA Home Warranty vs. Competition
HSA Home Warranty provides better protection plans at reasonable premium prices. But how does it compare against the competition? Let’s take a look at it.
HSA vs. American Home Shield
- Even though AHS acquired HSA, HSA has maintained a separate brand presence and offers extensive appliance protection plans compared to AHS.
- American Home Shield is available in more US states than HSA home warranty.
- Both American Home Shield and HSA Home Warranty provide 24/7 services and help you in scheduling a repair.
Customer Reviews16708
Premium$39-$60
Service Fee $75-$125
Limit$6K-Unlimited
Activation 30 Days
Cancellation FeeN/A
HSA vs. Fidelity
- HSA is available in more states than Fidelity National Home Warranty.
- Fidelity National Home Warranty has more affordable monthly premiums than HSA.
- HSA has better customer service as compared to Fidelity National Home Warranty.
Customer Reviews774
Premium$67 - $86
Service Fee$65-$75
Limit$1k - $1.5k
Activation30 days
Cancellation Fee$50
HSA vs. Landmark
- HSA is available in more states than Landmark Home Warranty.
- Landmark provides pest control coverage while HSA home warranty doesn’t.
- Home Security of America has better coverage plans for major home appliances and systems than Landmark.
Customer Reviews1497
Premium$35 - $55
Service Fee$70, $100
Limit$1k/ Item
Activation30 days
Cancellation Fee10%
Company Details
Headquartered in Cross Plans, Wisconsin, Home Security of America, Inc. was established in 1984 and is currently led by Robert Lehmann.
HSA was taken over by Frontdoor, Inc. in 2004. Other HSA companies include HSA Home Warranty, Home Security Association of Florida, Inc.
Methodology
As the oldest home warranty company, we have set a benchmark for coming up with home warranty company reviews rooted in deep research. Our highly experienced editorial team presents unbiased facts in an organized manner to benefit our readers. Below is the methodology we follow while composing our reviews on home warranty companies:
- Company's plans: We keep ourselves updated with industry trends and new offerings from different companies.
- Coverage: We evaluate home warranty companies periodically to check if their terms and conditions have changed and if their offerings align with living standards and home maintenance trends.
- Contract terms: We reach out to company representatives to clarify details that look murky. A thorough reading of their sample contracts is necessary for our process.
- Customer service quality: User reviews about customer service are more important than ever in our review strategy. The best thing about our website is that we provide a platform where companies can't obfuscate criticism.
- Trust: We ask companies to share documents with us to prove their credentials and keep an eye on their standing with the Better Business Bureau.
- Costworthiness: Different companies have different pricing requirements, but we check if their offerings match the industry standards and reasons for deviations
HSA Home Warranty
Customer Reviews2458
Premium$40-$50
Service Fee$100-$125
Limit25,000 per contract
Activation30 days
Cancellation FeeNon-Cancelable
HSA Home Warranty FAQs
Q.
Does My Policy Get Transferred To The New Homeowner If I Sell My Property?
A.
Yes. You can transfer the policy 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 property transfer to the new owner.
Q.
Is Everything In My Home Covered Under An HSA Home Warranty?
A.
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 and isn’t covered in your policy.
Q.
What Is HSA Home Insurance?
A.
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.
Q.
How Is A Home Warranty Different From Homeowners Insurance?
A.
Homeowner’s insurance is a form of property insurance requirement when applying for a mortgage. It covers any structural damage caused to the property, loss or damage of any assets and belongings, and injuries sustained on the premises.
Often confused with Homeowner’s insurance, a home warranty is a 12-month service contract covering repair or replacement expenses if the major systems or appliances in your home break down due to wear and tear.
Another key difference is that a homeowner’s insurance covers damages caused by accidents, natural disasters, and other causes, but a home warranty doesn’t. If you purchase a home warranty and homeowners insurance, you will have all-inclusive coverage for your home.
Q.
Does An HSA Home Warranty Cover The Garage Door?
A.
Yes, an HSA home warranty will cover the breakdown of a garage door opener. Coverage includes two systems, covering track assembly and carriage unit, but only if they are a part of the opener unit.
Q.
How Does HSA Home Warranty Replacement Work?
A.
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.
In some cases, they may choose to offer you cash instead of replacing the item. 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.
Q.
Does HSA HW Cover Water Damage?
A.
HSA home warranty does not cover any damage caused by water. However, you can equip your home with a home warranty to prevent water damage.
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 help you avoid a worse situation.
Q.
Does HSA Cover The Foundation?
A.
No, an HSA home warranty does not cover any damage caused to a home’s foundation, walls, ceilings, roof, or structural floor base unless specifically identified as covered.
Q.
If I File A Claim, Will I Be Required To Pay Any Additional Charges?
A.
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 must pay out of pocket. There may be other charges. You can find them by reading your sample contract.
Q.
Can I Choose My Contractor?
A.
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.
Q.
How To Cancel HSA Home Warranty?
A.
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 the 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 state law allows cancellation.
Q.
Is HSA Home Warranty A Scam?
A.
HSA Home Warranty has been in the home warranty industry for more than 30 years. However, there are allegations about its authenticity due to poor customer reviews criticizing the claims process.
You can even read HSA home warranty reviews or check our article about how to identify home warranty scams for a better understanding.
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