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HSA Home Warranty Review 2025
Home Security of America (HSA) is a home warranty industry veteran with over 30 years of experience in the industry. This evaluation of HSA Home Warranty presents a detailed outlook on the company's services, coverage, pricing, the process of filing claims, and other aspects.
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Plans costs
$37 - $54
Service fee
$100 - $125
30 days service guarantee
39+ Years in
Business
30 days Waiting
Periods
Headquartered in Cross Plains, HSA Home Warranty was established in 1984 and was acquired by American Home Shield in 2014. The company still runs under the same management and extends its services to 27 states through AHS. They company claims to have paid over $44 million in warranty claims to their customers to date.
The company offers its services only to home buyers and sellers, which means that existing homeowners might not be able to purchase it. The company mainly provides plans for those homes listed in the real estate market to be bought or sold, which can get restrictive.
Based on our 2,470 customer reviews and expert research by our editorial team, we have compiled the following review to provide homeowners with these details:
- Plan details, costs, and exclusions
- Coverage limits & exclusions
- Guide on how to file a claim with the company
Why HSA Home Warranty?
HSA covers unknown pre-existing conditions
The company’s basic plans have vital systems and appliances
HSA has over 39+ years of experience as a home warranty provider
The company offers customizable service options to the home buyers
HomeWarrantyReviews.com
3.4/5 (2,491)
Trustpilot
2.2/5 (8)
Consumer Affairs
1.2/5 (251)
Explore Verified Consumer Reviews for HSA Home Warranty
Not sure anymore about this warranty. Small problem they’ll pay big problem denied. And some of the contractors are questionable of actually band some of the contractors from coming to my home because I don’t trust them.
Have never had a problem with HSA. Always get a repair person sent to us quickly and efficiently.
I called on a Saturday and was able to schedule a service call- they were very polite, and professional.
Place a service request and for service the very next day for my garage door. Service only took 30-45 minutes. HSA they do good work when something is covered. I\'ve had to get things replaced and repaired and usually very smooth. Except the time I needed a replacement and then they came back and told me I needed to choose a gift card or store credit instead. Wasn\'t a fan of that at the time because I couldn\'t get what I wanted. But it worked out. Highly recommend a home warranty and especially HSA.
We\'ve been with HSA since 2003, always great overall service from the company. They\'ve been easy to work with.
Service man was very thorough an determined the problem right away. Unfortunately a part was needed but no longer available so I was given a credit for a new appliance. Great job ?
Pros & cons
Pros
- Basic plan includes major home systems & appliances
- 24/7 available online customer portal for resolving issues
- Does not require home inspection
Cons
- Plans are only available when purchasing or selling a home
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Plans & Coverage Of HSA Home Warranty
Home Security America offers two plans- Seller/Buyer Plan & Buyer Only Plan. The company also extends coverage to electronics, older items, and more!
Seller/Buyer Plan
This 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
This plan is more extensive than the Seller/Buyer plan. The standard coverage of this plan 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 Seller/Buyer 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, heat lamps and more!
Take a look at the table below for more information about plans and coverage:
|
Plans |
Seller/Buyer |
Buyer Only |
| Central Heat, Central Air, Heat Pump, And Ductwork |
x
(Available as optional add-on @ $65) |
✓ |
| Water Heater And Instant Hot Water Dispenser | ✓ | ✓ |
| Water, Gas, Drain & Waste Lines | ✓ | ✓ |
| Polybutylene Leaks | ✓ | ✓ |
| Drain Line Routing | ✓ | ✓ |
| Toilet Tank & Bowl (Builder’s Standard); Wax Ring Seals | ✓ | ✓ |
| Plumbing Parts | ✓ | ✓ |
| Sump Pump | ✓ | ✓ |
| Whirlpool Bathtub | ✓ | ✓ |
|
Electrical System |
✓ | ✓ |
| Attic Fans, Exhaust Fans & Ceiling Fans | ✓ | ✓ |
| Garage Door Opener | ✓ | ✓ |
| Oven, Stove Top/Range, & Built-In Microwave Oven | ✓ | ✓ |
| Dishwasher, Trash Compactor, & Garbage Disposal | ✓ | ✓ |
| Failures Due To Lack On Maintenance | ✓ | ✓ |
| Water Heater Sediment | ✓ | |
| Re-Key (Up To 6 Keyholes & Four Identical Keys) | ✓ | |
| Lighting Fixtures, Door Bell, & Central Vacuum | ✓ | |
| Refrigerator (Including Ice Maker/Crusher & Dispenser) | ✓ | |
| Roof Leaks (Not Available For Condo/Mobile Homes/Townhomes) | ✓ |
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.
Optional Add-ons
- Electronics Plan By Allstate Protection Plans
- Septic System
- Water Softener
- Clothes Washer And Dryer
- Home Freezer
- Roof Leaks (For Seller/Buyer Plan)
- Hot Tub
- Swimming Pool
- Pool/Hot Tub Combination (Must Share Common Mechanicals)
- Water Well Pump
- 7 Star Upgrade
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.
Coverage Limitations & Exclusions
The maximum coverage available under this agreement is $25,000 in total, with a sub-limit of $5,000 per mechanical system. HSA also details on coverage limits for some items.
We have listed them below in the table. Check them out:
|
Items |
Limits |
|
|
Seller/Buyer Coverage |
Interior Plumbing System |
Up to $500 |
|
Kitchen Appliances |
Up to $2,000 |
|
|
Buyer Only Coverage |
Central Heat |
$1,500 |
|
Central Air |
$1,500 |
|
|
Kitchen Refrigerator |
$2,000 |
|
|
Roof Leaks |
$500 |
Take a look at the table below to learn more about the coverage limits offered by HSA for the following optional add-ons.
|
Optional Items |
Limits |
|
Water Well Pump |
Up to $1,500 |
|
Septic System |
Up to $300 per occurrence |
|
Hot Tub |
Up to $1,000 per occurrence of operational failure |
|
Swimming Pool |
Up to $1,000 per occurrence of operational failure |
|
Seven Star Upgrade |
Up to $1,000 |
There are also some exclusions that you need to note before purchasing an HSA home warranty. You can be denied a claim whenever there’s abuse or misuse of the covered items.
As every item should be well-maintained to get a claim, you should consider getting a proper home inspection to check that there are no pre-existing conditions.
HSA does not cover appliances and systems if the damage is done because of natural calamities or ‘Acts of God.’ You should also note that not every component of a covered item is eligible for coverage.
HSA Home Warranty Cost
The average cost of HSA plans ranges between $37-$54 monthly, depending on your location. Find more information about pricing in this section.
The pricing of the buyer-only plan and seller/buyer plan starts from $495 and goes up to $1,430 annually. 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.
Take a look at the table below for more:
|
Seller/ Buyer Plan & Buyer Only Plan |
||
|
1 year |
2 Years |
|
|
Single Family |
$495 |
$990 |
|
Condo/Townhome/Mobile Home |
$455 |
$910 |
|
Duplex |
$715 |
– |
|
Triplex |
$1,070 |
– |
|
Fourplex |
$1,430 |
– |
|
Buy A Seven Star Upgrade |
$149 |
– |
|
Electronics Protection Plan |
$216 |
– |
|
Water Well Pump/Septic Pump |
$100 |
$200 |
|
Water Softener |
$40 |
$80 |
|
Electronic Air Cleaner |
$40 |
$80 |
|
Clothes Washer & Dryer |
$70 |
$140 |
|
Home Freezer |
$40 |
$80 |
|
Hot Tub |
$125 |
$250 |
|
Swimming Pool |
$150 |
$300 |
|
Pool/Hot Tub Combination |
$175 |
$350 |
|
Seller Hvac Option |
$60 |
|
|
Deductible (Trade Call Fee) |
$100 – $125 |
|
Note: This quote is for the state of Georgia and the price generally differs according to the different states. We suggest taking a free quote to gain more insight into the offered plans cost in your area.
Trustworthiness, Customer Service, & Editorial Note Of HSA Home Warranty
HSA Home Warranty provides services to both home buyers and home sellers. The company has garnered positive feedback from customers across the internet for its services.
- Various customers have expressed their long-standing association with HSA, showcasing the company’s commitment to delivering quality repairs.
- Furthermore, customers have praised HSA for their prompt response to service requests, with several testimonials noting that they were connected with a technician within 24 hours of submitting a request.
- However, it is important to note that some customers have expressed dissatisfaction with HSA’s services. As per Google reviews, the company maintains an average rating of 2.5/5.
- Additionally, certain customers have reported being charged more than the initially agreed-upon amount. Concerns have also been raised regarding a lack of transparency on the company’s part, signaling the need for improvement.
HomeWarrantyReviews.com’s editorial team considers HSA a favorable option for individuals involved in the real estate sector. HSA is among the few companies that provide a maximum coverage limit of $25,000. Furthermore, if you are seeking a home warranty without the requirement for a home inspection, HSA can serve as the preferred choice.
Lastly, we advise customers to conduct thorough research before proceeding with any plans offered by the company.
Claim Filing Procedure
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 by calling customer support team.
- After your request is submitted, a representative will contact you to verify the details. Later, a service contractor will visit 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.
Conclusion
HSA Home Warranty offers comprehensive plans to clients, but are only limited to real estate agents, sellers or buyers. Homeowners may not take advantage of HSA’s plans. So, if you consider HSA, you must research and check the company’s customer reviews. You can go for a free quote to have an idea about HSA plans, and more!
Quick Details About The Company
| Founder |
Bob Lehmann |
| Year Of Establishment |
1984 |
| CEO |
Bob Lehmann |
| Address |
Cross Plains, Wisconsin, United States |
| Type Of Company |
Private |
Why Should You Trust Us?
- In order to enhance clarity, we thoroughly analyzed the coverage terms provided by HSA Home Warranty.
- Our assessment included the examination of over 15,350 customer reviews across different platforms to gain insight into customer concerns and perspectives.
- The comprehensive review presented here is the outcome of 31 hours of in-depth research dedicated to comprehending every facet of the company.
- All the information presented in this review is sourced directly from HSA Home Warranty's official page and their sample contract.
Frequently Asked Questions (FAQs)
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’s 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.
Is Everything In My Home Covered Under An HSA Home Warranty?
A.
No, similar to 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.
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.
How Is A Home Warranty Different From Homeowners Insurance?
A.
Homeowner’s insurance is a form of property insurance that 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. It covers 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.
Does An HSA Home Warranty Cover The Garage Door?
A.
Yes, 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.
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.
Does HSA HW Cover Water Damage?
A.
HSA 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, etc., can be repaired with a home warranty and help you avoid a worse situation.
Does HSA Cover The Foundation?
A.
No, HSA does not cover any damage caused to a home’s foundation, walls, ceilings, roof, or structural floor base unless specifically identified as covered.
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.
Can I Choose My Contractor?
A.
While some home warranty companies allow you to choose a contractor, HSA 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?
A.
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.
Is HSA Home Warranty A Scam?
A.
HSA 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 check our article about how to identify home warranty scams for a better understanding.
Which States Are Covered By HSA Home Warranty?
A.
Currently, HSA Home Warranty offers services only in 27 U.S. states.
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