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HSA Home Warranty
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
Cons
Premium$46-$55
Service Fee$75 - $125
LimitUpto $3K/item
Activation30 Days
1st month free + Free roof coverage
| Premium$60-$67
Service Fee$75
Limit$3k/item
Activation30 Days
$200 Off + 2 Months Free*
| Premium$44 - $47
Service Fee$60-$75
Limit$3k/Item
Activation30 Days
$150 off + Free roof coverage + 2 months free
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Home Security America offers two comprehensive plans: Seller/Buyer Plan & Buyer Only 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.
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.
The 7-star Upgrade helps enhance the basic plan coverage to add more items. The upgrade includes-
*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.
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.
Currently, HSA Warranty isn’t offering any discounts, but you can always check its website for frequent promo codes and festive offers.
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.
Covered Appliances: The estimated appliance coverage is $3000.
Optional Coverage
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.
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 provides better protection plans at reasonable premium prices. But how does it compare against the competition? Let’s take a look at it.
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.
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:
HSA Home Warranty
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.
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.
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 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.
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.
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 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.
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.
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 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?
A.
The HSA Home Warranty is non-cancelable by the company except under the following circumstances –
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 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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Premium$46-$55
Service Fee$75 - $125
LimitUpto $3K/item
Activation30 Days
Cancellation Fee$50
View Details
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Premium$44 - $47
Service Fee$60-$75
Limit$3k/Item
Activation30 Days
Cancellation Fee$75
View Details
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In the section below, you can find various HSA home warranty reviews left by customers all over the country. Take a look:
Your air conditioner becomes a lifesaver when the sweltering summer he ...
Furnaces are vital in providing a comfortable temperature and improvin ...
Garage doors add more than just comfort to your home; they offer space ...
