HSA Home Warranty Review

Find out everything you need to know before signing up for a plan

We publish unbiased reviews; our opinions are our own and are not influenced by payments from advertisers. Learn about our independent review process and partners in our advertiser disclosure.
HSA Home Warranty

HSA Home Warranty

Our Take

With a short waiting period and comprehensive coverage, HSA Home Warranty is an excellent option for anyone buying or selling a home. Optional coverage choices even allow you to cover roof leaks and a swimming pool for an affordable added fee. HSA Home Warranty is a great option for those with older homes who reside in the 19 states the company does business in. 

Based on our review of over 20 home warranty providers, HSA Home Warranty was not one of the best companies we found. To see other options that may be better, visit our list of the best home warranty companies.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
Pros
  • Provides standard coverage for items excluded from many home warranties, including lack of maintenance, water heater sediment, and rust and corrosion

  • Standard waiting period for home warranties is 30 days, but HSA’s waiting period is only 15 days for properties not involved in a real estate transaction

  • Comprehensive coverage for someone buying/selling a home

Cons
  • No Nationwide coverage; coverage is available in 19 states plus Washington, D.C.

  • No pricing available online for existing homeowners (properties not involved in a real estate transaction); you must call

  • Numerous exclusions may mean your home repair won’t be covered

Key Takeaways
  • Reasonable prices help HSA stand out among the competition. 
  • Uniquely covers claims due to lack of maintenance such as rust and corrosion of a water heater. 
  • Offers contracts for existing homeowners but requires a call for a quote.  
  • A shorter-than-average waiting period lets homeowners use the policy sooner than later. 
  • Buyer plans are effective the day that escrow closes for a twelve month period.
Specifications
  • Year Founded 1978
  • Coverage Coverage is offered in 19 states (Alaska, Kansas, North Dakota, Minnesota, Wisconsin, Illinois, Pennsylvania, West Virginia, Delaware, Missouri, Iowa, Georgia, South Carolina, North Carolina, Virginia, Ohio, New York, Maryland) plus Washington, D.C.
  • Customer Service 24/7 online or by telephone
  • Waiting Period Seller coverage is effective date of application. Buyer coverage effective date of closing. For properties not involved in a real estate transaction, waiting period is 15 days.
  • Contractor Network Preferred contractor network across coverage territory states.
  • Number of Plans 4 plans, plus optional coverage available.
  • Coverage Limit $25,000 with a $5,000 per mechanical system sub-limit.
  • Contract Length 12 months
  • Payment Options HSA reserves the right to determine whether an item will be repaired or replaced.
  • Cost $400 to $600 depending on state and optional coverage.
  • Official Website http://www.onlinehsa.com/

If you are looking for ways to protect your budget against the high cost of home repairs, a home warranty could be just the solution you need. Home warranty companies offer service contracts to repair/replace appliances or home component systems when unexpected repairs are needed. Home Security of America, Inc. (HSA Home Warranty) is one company that offers home warranty coverage plans and we’ve done some research to let you know more about what the company can offer.

During our review process of HSA Home Warranty, we reviewed the types of plans offered including pricing, exclusions, claims handling, customer service, the company’s BBB rating, and how it stacks up against the competition. So take a peek below to see what's covered, what's not, as well as other pertinent information to help you make a decision on if this HSA Home Warranty offers the right coverage and plans for your needs.

Company Overview

HSA Home Warranty has been in business since 1978. The company headquarters is in Newport, North Carolina. HSA Home Warranty’s parent company is American Home Shield which acquired the company in 2014. It offers home warranties to homeowners, buyers/sellers, and real estate professionals. Optional add-on coverage is available for an additional charge. Coverage is offered in 26 states and Washington, D.C.

HSA Home Warranty does business through its HSA Home Warranty, Inc. and other subsidiary companies, including Home Security of America, Inc., Home Security Association, Inc., HSA Home Warranty, Inc., Home Security of Wisconsin, and Home Security Association of Virginia, Inc.

Our Expert Janet Says

You may purchase a home warranty direct for a home not involved in a real estate transaction.

Available Plans 

The plans below are for buyers/sellers. You may purchase a home warranty direct for a home not involved in a real estate transaction. However, you must call the HSA Home Warranty Sales number 800-367-1448 for pricing. The sales representative said the same coverage is available for existing homeowners that are available for buyers/sellers.

Basic Plan Seller Basic Plan Buyer Buyer 7 Star Upgrade Optional Coverage for Buyer
Central heat, central air, heat pump and ductwork (optional $65) Central heat, central air, heat pump and ductwork Crane charges for rooftop air conditioning or heating equipment Water well pump $85
Water heater and instant hot water dispenser Water heater and instant hot water dispenser Central heat and air: registers, grills, filters & heat lamps Septic system $50
Water, gas, drain and waste lines Water, gas, drain and waste lines Central air: refrigerant recovery and non-ducted window or wall air conditioner Water softener $35
Polybutylene leaks Polybutylene leaks Water heater expansion tank Clothes washer and dryer $80
Drain line routing Drain line routing Faucets, shower heads and toilets replaced with like quality Home freezer $50
Toilet tank and bowl (builder’s standard); wax ring seals Toilet tank and bowl (builder’s standard); wax ring seals Burglar, fire and smoke alarms Roof leaks $35
Plumbing parts Plumbing parts Garage door opener: hinges, springs, keypad and remote transmitter Hot tub $100
Sump pump Sump pump Refrigerator: refrigerant recovery Swimming pool $150
Whirlpool bathtub Electrical system Whirlpool bathtub Electrical system Trash compactor lock/key assembly & bucket Pool/hot tub combination (must share common mechanicals) $175
Attic fans, exhaust fans and ceiling fans Attic fans, exhaust fans and ceiling fans Dishwasher racks, baskets & rollers  
Garage door opener Garage door opener Built-in microwave interior lining, door glass, clock and shelves  
Oven, stove top/range & built-in microwave oven Oven, stove top/range & built-in microwave oven Oven/range interior lining, clocks, rotisseries, racks, handles, knobs and dials  
Dishwasher, trash compactor and garbage disposal Dishwasher, trash compactor and garbage disposal Disposal of replaced equipment  
Failures due to lack of maintenance Failures due to lack of maintenance Permits up to $250 per occurrence  
Water heater sediment Water heater sediment Improper installation/repair  
Failures due to rust and corrosion Failures due to rust and corrosion Mismatched heating and/or air conditioning system  
Lighting fixtures, doorbell and central vacuum   $250 toward code violations  
Refrigerator (including ice maker/crusher & dispenser)   $500 toward modifications on central heat, air or water heater  

Real Estate Plans

HSA Home Warranty is designed for buyers/sellers and real estate professionals even though it also offers direct plans to homeowners. Pricing varies by plan and state. Seller coverage is the effective date of application. Buyer coverage effective date of closing for a 12-month period and is renewable.

Exclusions

You may purchase coverage for some excluded items. You’ll have to speak with a company representative to find out if the optional coverage is available for the item you need to be covered and if it is available in your area. For exclusions on homes not involved in a real estate transaction, you must speak with a company representative.

Appliance/Household Item Exactly What's Not Covered
Domestic Water Heater Solar/solar-assisted water heating units, circulating pumps, expansion tanks, energy conservation flues and vents.
“Interior” Plumbing System Ejector/lift pumps; hose bibbs, faucets, shower heads and their respective assemblies including valves for shower/tub diverter, trip levers, tub stopper assembly and sink pop-up assembly; basket strainers, shower base pans, shower enclosures or doors, sinks, tubs, drain tile/French drains, sprinkler systems; water well or septic systems and components; water softener, water filter/purifier, bidets, failures due to salt, mineral beds or deposits; caulking, grouting, or tiles; lines or parts lying within an unheated area; drain line stoppages caused by roots; HSA is not responsible for installing a clean-out or pulling/re-setting a toilet to access a drain line stoppage; routing through roof vents is not covered.
“Interior” Electric Any failure in the central electrical system caused by non-covered electrical wiring or components; direct current (D.C.) wiring or components and/or low voltage systems including wiring and relays; telephone wiring; garage door: cables, rollers, hinges, springs, keypads, remote transmitter units or door replacement; chandeliers; smoke alarm, burglar alarm, fire alarm, intercom systems; exhaust equipment mounted on the roof (i.e. turbine ventilator).
Kitchen Appliances Drain, condensate line clearing, any failures to the door other than appliance controls located within the door; clocks, knobs, handles, dials, springs, hinges, tubs, liners, baskets, shelves, drains, glass breakage, probes, rotisseries, racks, rollers, light bulbs, lock/key assemblies, buckets, televisions, computer screens or computers that are part of an appliance but do not affect the primary function of the appliance; stand-alone freezers; walk-in freezers; clothes washer and clothes dryer.
Seller Option: Central Heat Humidifiers, collector box, coal and wood burning equipment, chimneys, fireplaces, flue liners, systems with compressors larger than five tons; oil storage tanks, free standing or portable space heaters, heat or energy recovery units; air cleaners/filters, condensate line clearing, crane charges, heat lamps, filters, registers, grills, insulation, improperly sized ductwork.
Seller Option: Central Air Gas units, systems with compressors larger than five tons; outside/underground piping, well pump and “Component Parts” for geothermal and/or water source heat pumps; heat or energy recovery units; non-ducted air conditioners, condensate line clearing, crane charges, filters, registers, grills, insulation, improperly sized ductwork.
Buyer Option: Electrical Central vacuum hoses or accessories; chandeliers, intercom systems, smoke alarm, burglar alarm and fire alarm.
Buyer Option: Kitchen Refrigerator Drain, condensate line clearing; any failures to the door other than appliance controls located within the door; clocks, knobs, dials, springs, hinges, liners, glass breakage, baskets, racks, rollers, handles, shelves, light bulbs, televisions, computer screens or computers that are part of an appliance but do not affect the primary function of the appliance.
Buyer Option: Water Well Pump Digging new or deeper wells; co-op/shared wells, irrigation/sprinkler wells, windmills, curing water quality, failures from lack of water, drop pipe, tank, electrical supply line, exterior piping or any part of the well that is not the pump; cistern and all “component parts.”
Buyer Option: Septic System Drain fields, leach beds, aerator/aerator systems and electrical supply lines; cess-pools, cess-pool cave-ins; upgrading system such as to-city or municipal sewage system; septic tank pumping.
Buyer Option: Water Softener Rental or leased equipment; repair or replacement of water softener necessitated by mineral beds or deposits; cleaning.
Buyer Option: Clothes Washer and Dryer Any failures to the door other than appliance controls located within the door; clocks, knobs, handles, dials, springs, hinges, tubs, liners, baskets, shelves, drains, glass breakage, racks, rollers, light bulbs, buckets.
Buyer Option: Home Freezer Walk-in freezers, drain, condensate line clearing, clocks, knobs, dials, springs, hinges, liners, any failures to the door other than appliance controls located within the door; glass breakage, baskets, racks, rollers, handles, shelves and light bulbs.
Buyer Option: Roof Leaks Condominium or townhouse roofs; leaking of an existing roof that has not been properly installed or attached; damage done by ice, mud, snow or wind and any acts of God; secondary damage from any type of leak or re-roofing of the residence; chimneys, gutters or downspouts, skylight or skylight flashing repairs for leaks or any other damage.
Buyer Option: Hot Tub Cleaning equipment, skimmer equipment or secondary or booster type pumps used for cleaning pools; timers, lights, main body, liners, structural defects, covers, filter grids, concrete-encased or underground plumbing, electrical or fuel lines; geothermal, solar or solar-assisted water heaters and their respective plumbing and equipment; wood encased or otherwise inaccessible parts; any unit with an independent boiler system; “habitat spa” or similar type unit.
Buyer Option: Swimming Pool Cleaning equipment, skimmer equipment or secondary or booster type pumps used for cleaning pools; timers, lights, main body, liners, structural defects, covers, filter grids, concrete-encased or underground plumbing, electrical or fuel lines; geothermal, solar or solar-assisted water heaters and their respective plumbing and equipment; wood encased or otherwise inaccessible parts; any unit with an independent boiler system; “habitat spa” or similar type unit.

Claims

To file a claim call HSA at 1-800-367-1448, 24/7 or you may request service through the customer portal. Failure to obtain prior approval for emergency services may result in denial of the claim. HSA requests to speak with the contractor prior to emergency repairs being performed.

Don’t be blindsided by an uncovered claim. Read the terms and conditions before purchasing to fully understand any exclusions on the contract.

Payout Caps/Limitations

Coverage limits for HSA Home Warranty plans are $25,000, with a $5,000 per mechanical system sub-limit. Limitations of liability include: no coverage for pre-existing conditions when the components or parts were not in working order on the date the plan was purchased; abuse, misuse, fire, lightning, freezing, ice, storms, smoke, water damage, acts of God, accident, earthquake, soil movement, mud, chemical or sediment build-up, fungus, rot, mold, power failure, power shortage or power outage, insect or rodent damage, pet damage, insurable peril; costs involving removal of toxic materials or asbestos. (The sample contract provides a full list of “limitations of liability” under Item F.)

Repair Time

Emergency service provided by contractors outside of the preferred contractor network must be pre-approved. You are able to call HSA at 1-800-367-1448 24/7 to obtain approval for emergency service. Repair or replacement will be performed within 48 hours under normal circumstances.

HSA Home Warranty offers standard coverage for lack of maintenance, water heater sediment, and rust and corrosion.

Customer Service

HSA Home Warranty can be contacted online 24/7 to order a home warranty, request service, or locate a sales representative. You can also reach a customer service representative by calling toll-free: 800-367-1448. 

BBB Rating

HSA Home Warranty has no rating with the BBB and is not an accredited business. Its parent company, American Home Shield, has a "B" rating from the BBB, and a 3-out-of-5 star average rating based on over 6,000 customer reviews. It is also not an accredited company. A total of over 11,300 customer complaints have been received with the majority of the complaints listed as a “problem with a product or service.”

Price

We checked the yearly pricing for buyer/seller plans in several states. (TCF stands for “trade service call.” The term is another name for deductible or service fee.) If you decide to pay a higher TCF, your yearly rate will be lower.

  Basic Plan w/$75 TCF Basic Plan w/$100 TCF 7 Star Upgrade Seller Optional Coverage
Georgia $425/year $405/year $149/year $65/year
Kansas $485/year $455/year $149/year $60/year
North Dakota $485/year $465/year $149/year $60/year
Pennsylvania $485/year $465/year $149/year $60/year
Alaska $475/year $445/year $149/year $50/year

You must call the sales line for pricing on properties not involved in a real estate transaction. We called and obtained sample pricing for an existing homeowners policy in Georgia and found two plans available, basic with a $75 TCF or $100 TCF. The pricing for each yearly plan was slightly higher ($15) than the buyer/seller plans available for the same state. 

Save on the annual price by choosing a higher trade service fee.

The Competition: HSA Home Warranty vs. Home Warranty of America

HSA Home Warranty and Home Warranty of America both have 24/7 claims service and comprehensive basic coverage (HSA offers basic coverage over 20 home components/systems and Home Warranty of America covers over 23). Home Warranty of America’s plan prices ranges from $350 to $600 yearly while plans for HSA Home Warranty range from $535 to $675 depending on location and plan.

HSA Home Warranty offers standard coverage for lack of maintenance, water heater sediment, and rust and corrosion. Home Warranty of America does not list exclusions or terms & conditions on its website so it is unclear whether or not these items are excluded from coverage. HSA Home Warranty, through its parent company, and Home Warranty of America both have “B” ratings with the Better Business Bureau.

Final Verdict

If you will soon be buying a home, HSA Home Warranty offers one of the most comprehensive plans around with reasonable prices. Many items are covered in their basic plan than are excluded from many other home warranties (conditions, lack of maintenance, water heater sediment, and rust and corrosion.)

Pricing is less clear for homes not involved in a real estate transaction. You’ll need to call for pricing. Based on our research, they look to be slightly higher than the plans for buyer/sellers or real estate professionals.

Coverage is only available in 19 states, so you’ll need to see if coverage is available in your area. You should also check into the exclusions to make sure a repair you may need will be covered, and if none of them are deal-breakers, HSA Home Warranty is definitely worth a shot.

Methodology

There are several aspects to think about in choosing a home warranty. To help readers pick the plan that works best for them, we developed a methodology for reviewing home warranties that includes a quantified scoring system that evaluates plan pricing, exclusions, payout caps, repair times, and terms, comparing them to other carriers across the industry. Third-party ratings and customer satisfaction scores are factored in to help assess an insurer's overall quality and value.