HSA Home Warranty Review

Home warranties for buyers and sellers

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HSA Home Warranty 

Investopedia’s Rating
3.5

Our Take

Home Security of America is a slightly unusual home warranty company, in that it does not directly offer home warranties to established homeowners, but rather to those who are in the process of buying or selling a home. Policies are typically purchased on or around the time of closing, and the transaction is handled through the real estate professional who is representing the buyer or seller. 

This limited availability is not an advantage for homeowners, or even for buyers and sellers. Other home warranty companies offer policies that can be used to cover the listing period, but can also be used as ongoing home warranties. And in comparison to these competitors, HSA home warranties are merely average. 

According to our research, the most important feature to consumers when choosing a plan is its cost, with 74% of respondents naming this as the most important factor. Other important factors include service fees (63%), speed of response (48%), and pricing information being available online (46%). Our reviews thoroughly consider all these factors, as well as exclusions and payout caps, to help you make an informed decision when choosing a home warranty company.

  • Pros & Cons
  • specifications
Pros & Cons
Pros
  • Pricing information available on website

  • Simple, straightforward pricing structure

Cons
  • You can only purchase HSA home warranty plans through a licensed real estate professional

  • HSA Home Warranty plans have a high number of exclusions

  • Limited coverage: Just 27 states

specifications
Website
https://www.onlinehsa.com/
Year Founded
1984
Average Annual Cost
$635
Service Fees
N/A
Response Time
24 - 48 hours
Payout Cap
N/A
Coverage Area
N/A
Out of Network Technician
No
Pricing Available Online
No
Sample Contract Available
No
Waiting Period
No
Why Trust Us Investopedia collected key data points from several home warranty providers to identify the most important factors to customers. We used this data to review each provider for cost, availability, coverage options, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their needs. Read our Full Methodology
38 Providers reviewed
35 Criteria considered
875 Data points analyzed
59 Primary data sources used

Company Overview

HSA Home Warranty was founded in 1984. It is owned by the parent company, American Home Shield, however, the company still operates under its own brand name. Unlike American Home Shield, HSA only offers home warranties to during the listing period for a property, and its policies can only bough via real estate professionals.

States Covered

HSA covers 27 states:

  • AK
  • CT
  • DE
  • DC
  • GA
  • IL
  • IN
  • IA
  • KS
  • KY
  • MD
  • MA
  • MI
  • MN
  • MO
  • MT
  • NJ
  • NY
  • NC
  • ND
  • OH
  • PA
  • RI
  • SC
  • TN
  • VA
  • WI

47% of our 538 survey correspondents said that coverage and support was the most important aspect of a home warranty, so make sure a company covers your home state first, before considering other factors. HSA offers only limited coverage across the country: just 27 states.

Available Plans

HSA offers a choice of two home warranty plans. The first plan is for home buyers and the second is available to either sellers or buyers, though it really only makes sense for sellers, as buyers can get a better policy for the same price in the buyers-only plan. 

In the buyers plan, homeowners can get rekeying, HVAC coverage, and refrigerator protection included for no additional cost compared to the sellers plan. These plans are only available for purchase through a real estate professional at the time you buy or sell your home. Prices vary by state. 

Here are the appliances and systems which are covered by each plan:

HSA Home Warranty Buyer Only Seller/Buyer
Central heat, central air, heat pump, and ductwork Optional $40
Water heater and instant hot water dispenser
Water, gas, drain and waste lines
Drain line routing
Toilet tank and bowl (builder’s standard); wax ring seals
Plumbing parts
Sump pump
Whirlpool bathtub
Electrical system
Attic fans, exhaust fans, and ceiling fans
Garage door opener
Oven, stovetop/range & built-in microwave oven
Dishwasher, trash compactor, and garbage disposal
Failures due to lack of maintenance
Clothes washer and dryer
Failures due to sediment
Re-key (up to 6 keyholes and 4 identical keys)  
Doorbell, and central vacuum  
Burglar alarm & fire alarm
Roof leaks
Refrigerator (including ice maker/crusher & dispenser)  

The coverage offered by these  plans is comparable to that offered by regular home warranty plans.

Real Estate Plans

As part of our review process, we normally look at whether a home warranty company offers policies focused on real estate professionals. That aspect of our reviews is not that relevant here, of course, because HSA is primarily focused on real estate professionals.

Plan Pricing

HSA Home Warranty provides two plans for the same price but with a primary difference. The buyers' only plan also covers things like central heat, re-keying your home, and refrigerators. The pricing of these plans varies by state, but HSA make all their prices available on their website, so you can easily see the cost for your state (if it is covered).

As part of our review process, we normally ask a home warranty company to provide us with quotes for the most populous states (California, Florida, and Texas). However, HSA doesn’t offer coverage in these states. 

The quote we did receive – for New York state – came in at $635 for either the buyer or seller plan.

Like all other home warranty providers, HSA policies also come with a trade service fee (TSF)—an amount paid when you make a claim—that is due at the time of service. The amount of the trade service fee varies and depends on the plans that are available in your location. Typically there is a choice of either $75 or $100.

Optional Add-ons

HSA Home Warranty also offers a Buyer 7 Star Upgrade for $149 per year that provides protection for additional items, such as $250 toward code violations, improper installation, and repairs; permits up to $250 per occurrence; and removal and disposal of any replaced equipment.

Here’s the cost, per year, for each additional item:

Optional Coverage Price per year 
Electronics Plan by Allstate $216
Hot tub  $150 
Water well pump/Septic system  $50 
Home freezer  $45 
Swimming pool  $150 
Water softener  $30 
Pool/hot tub combination (must share common mechanicals) $175 
Free standing ice maker/wine chiller  $45 
Electronic air cleaner  $40 

Be aware, however, that many of these extra items and systems are only covered to a limited degree by a HSA warranty. Customers looking to add these items to their policy should make sure that their equipment is covered by reviewing their contract.

Types of Damage Covered

HSA provides limited information on the type and extent of damage their policies cover, and they don’t provide a sample contract for potential customers. 

After reviewing the information available to us, however, it appears that HSA warranties provide the standard level of coverage for home warranty plans. They:

  • Provide a commitment to repair certain appliances and systems if they malfunction,
  • Cover repair and replacement costs on major home systems and appliances in the event of breakdowns associated with normal wear and tear.

However, buyers should be aware that there are some limitations to what a home warranty plan can cover. Home warranties cover breakdowns that occur due to normal wear and tear. For example, if a fan in your AC unit breaks due to natural use, HSA will cover the replacement. However, if that AC was broken from human misuse or a natural event like a tree branch falling on the outdoor air handler, it would not fall under their coverage.

Plan Exclusions

Although HSA Home Warranty covers almost all types of breakdowns for appliances that occur from normal wear and tear, there is a longer-than-normal list of exclusions for the coverage of home systems. 

For example, while central heating systems, plumbing system, and roof leaks are covered, replacing the filter in your furnace or periodically flushing the sediment build-up through your water heater are not. Plans do not cover pre-existing conditions, either.

Payout Caps

HSA Home Warranty has different coverage limits for each item. As with many home warranty plans, coverage does not include pre-existing conditions that may have occurred before the plan was purchased.

44% of our survey correspondents said that getting the maximum payout cap is important to them when choosing a home warranty policy. HSA has a payout cap that is about average for the industry.

Response Times

HSA told us that once they have received your repair request, it typically takes 24 - 48 hours to receive authorization for a major repair or replacement. This is about average compared to industry standards. 

Since the company has agreements in place with independent contractors, you cannot select your own repair person without prior approval. This will be a drawback for many buyers.

38% of our survey correspondents said that choosing their own technician was important to them when choosing a home warranty policy. HSA do not offer this flexibility, so if you want to choose your own repair person, look elsewhere for a home warranty policy.

Customer Service and Claims

HSA customer service is available 24/7 and making a claim is a relatively easy process. You can do this:

  • Online 
  • By calling (800) 367-1448. 

Once a claim is made, the process starts immediately and you can expect authorization for a major repair to take about 48 hours to complete.

Customer Satisfaction

When it comes to assessing the customer satisfaction scores of HSA, the way the company is organized makes it difficult to get a clear picture. Because the company is owned by Home Shield, independent scores are not available. 

That said, it’s possible to see that HSA Home Warranty has mixed third-party customer reviews. The majority of complaints have to do with how long it takes to have a repair made or issues with customer service, such as the length of time it takes to talk to someone or how many representatives customers must speak with when trying to receive help with repair issues.

How HSA Compares to Other Providers

To provide a comparison between HSA Home Warranty and the competition, we chose HSA and then looked at the coverage they provide to buyers and sellers. We found that both companies provide similar warranty coverage and trade service fees. They also both have round-the-clock service and comparable add-on coverage.

  HSA HSA Home Warranty
Cost per year $450 $635
Number of Plans Available Three Two
Support 24-hour call center or make your claim online 24-hour call center or make your claim online
Trade Service Fee As low as $75 $75/$100
National Availability Available in all states Coverage available in 28 states

When it comes to coverage plans, both companies allow you to choose either a $75 or $100 trade service fee, although HSA Home Warranty does not offer this option in every state. 

Each company provides additional coverage for items such as swimming pools and/or spas, with HSA Home Warranty offering the additional coverage for a fee of $150 while HSA charges $190. 

At first glance, it appears that HSA Home Warranty wins merely on having a slightly cheaper price. When you compare HSA Home Warranty’s $25,000 payout cap to the $1,500 payout caps of HSA’s plans, however, it clearly gives HSA Home Warranty the advantage.

Verdict

If you are an established homeowner, HSA Home Warranty is not the company you want to turn to for your home warranty needs, as you simply can't buy a plan outside of the escrow process. However, you can find comparable coverage with their parent company American Home Shield.

If you are a buyer or seller who wants a low-cost home warranty plan with a big name standing behind it, though, an HSA Home Warranty plan is one you may want to consider. Though these plans do not represent better value than the competition, having a recognizable name on your home warranty documents may go some way toward reassuring buyers that you are taking their financial security seriously.

HSA FAQs

How Much Does a HSA Warranty Cost?

Our research found the average cost of an HSA warranty to be $635. Individual plan pricing can depend on your coverage options and where you live. But that’s about $50 higher than the average for the market. HSA fees will depend. You can choose policies with service fees of $75 or $100. Your annual payment will be adjusted accordingly.

What Do HSA Plans Cover and Not Cover?

HSA plans cover most major appliances, home systems, or a combination of both. You can choose various levels of coverage for your appliances, or a systems package that covers AC and plumbing.

HSA policies, like those of other home warranty companies, do not cover damages resulting from misuse or from natural events. Damages caused by natural events may still be covered by your homeowner's insurance policy.

Can You Cancel a HSA Plan for Free?

Yes. HSA told us that you can cancel any of their policies for free. 

How Do You File a Claim With HSA?

HSA customer service is available 24/7 and making a claim is a relatively easy process. You can do this:

  • Online 
  • By calling (800) 367-1448

Are There Customer Service Complaints Against HSA?

HSA Home Warranty has mixed third-party customer reviews. The majority of complaints have to do with how long it takes to have a repair made or issues with customer service, such as the length of time it takes to talk to someone or how many representatives customers must speak with when trying to receive help with repair issues. The response time after filing a claim is 24-48 hours. That’s about average for a home warranty provider.

Methodology

There are several aspects to consider when evaluating a home warranty company and its coverages. To assist in your decision process, our methodology for reviewing home warranties includes a quantified scoring system that evaluates four major categories - total plan cost, coverage and support, customizability and transparency. Within those four major evaluation categories we look at 18 core features that include annual plan fees and service fees, claim response times, payout caps, states available, contract length range, customizable coverages, ability to use own repair person, free cancelation, plan pricing, plan exclusions and other plan provisions available online. We assign fractional score values ranging from 0.00 to 1.00 points for each feature and then weight those feature values according to subject matter expert advice and consumer survey importance ranking.  We also compare features for each company to industry average values determined from our data collection for the top 25 home warranty providers. Third-party ratings and customer satisfaction scores are factored in to help assess a home warranty company’s overall quality, suitability and value.