HSA Home Warranty Review

Protecting your home and your wallet from unexpected repairs

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HSA Home Warranty

HSA Home Warranty 

HSA offers cost-effective home warranty coverage to buyers and sellers. But, coverage is only available during the purchase process, so current homeowners will need to look elsewhere for coverage.

Based on our review of over a dozen home warranty companies, 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
  • Company Overview
Pros and Cons
Pros
  • Home warranty plans can provide an incentive to home buyers and sellers

  • Provides a payout coverage limit of $25,000 with a $5,000 sub-limit per mechanical system

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

  • Pricing information not available on website

Key Takeaways
  • Company was founded in 1984 
  • Owned by home warranty giant American Home Shield
  • Plans cover appliances and systems but don’t cover damage from normal wear and tear  
  • HSA’s parent company has over 11,000 BBB complaints in the past three years
  • HSA customers in some states can choose between $75 and $100 service fees
Company Overview

Although American Home Shield has been around since 1971, HSA Home Warranty was founded in 1984 with its headquarters located in Cross Plains, Wisconsin. The company provides coverage in 19 states. HSA Home Warranty prides itself on the fact that its executives, customer service, and other operations are all located in Cross Plains, as well.

  • Year founded 1984
  • Available plans Two
  • Amount of coverage $25,000 with a $5,000 per mechanical system sub-limit
  • Length of contract 12 months
  • Average yearly cost $445
  • Network Network of local service providers
  • Customer support 24/7 online or by phone
  • Customer support phone number (800) 367-1448
  • Recall period after repairs 30 days
  • Days before coverage starts Date of application
  • Website https://www.onlinehsa.com/

HSA Home Warranty, or Home Security of America, was found 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 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.

For our review, we looked at HSA Home Warranty’s pricing structure and coverage to help you understand what you can get for your money. Read our full review on HSA Home Warranty to find out whether they offer the right home warranty coverage for you.

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.

HSA Home Warranty Buyer Only Seller/Buyer
Central heat, central air, heat pump, and ductwork Optional $65
Water heater and instant hot water dispenser
Water, gas, drain and waste lines
Polybutylene leaks
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
Water heater sediment
Failures due to rust and corrosion
Re-key (up to 6 keyholes and 4 identical keys)  
Lighting fixtures, doorbell, and central vacuum  
Refrigerator (including ice maker/crusher & dispenser)  

HSA Home Warranty also offers a Buyer 7 Star Upgrade for $149 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. 

Optional Coverage:

Optional Coverage Price
Electronics Plan by Asurion $216
Clothes washer and dryer $80
Hot tub $100
Water well pump $85
Septic system $50
Home freezer $50
Swimming pool $150
Water softener $35
Roof leaks $35
Pool/hot tub combination (must share common mechanicals) $175

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, lighting fixtures, and refrigerators. There is 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.

  Buyer Buyer/Seller
Total monthly cost $37.08 $37.08

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. As an example, while water, drain, gas, waste, or vent leaks are covered, broken drain, vent, or sewer lines are not. Plans do not cover pre-existing conditions, either.

Plans don’t cover damage due to normal wear and tear and they don’t cover preexisting conditions.

Payout Caps

HSA Home Warranty has a coverage limit of $25,000 with a $5,000 sub-limit per mechanical system. This is actually above average for the industry on most of the items that the company covers. As with many home warranty plans, coverage does not include pre-existing conditions that may have occurred before the plan was purchased. 

Repair Times

Once HSA Home Warranty has received your repair request, it typically takes around 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. 

Customer Service and Claims

Customer service is available 24/7 and making a claim is a relatively easy process that you can do online or 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.

HSA’s parent company has had over 11,720 BBB complaints filed in the last three years.

Complaints and Third-Party Assessments

HSA Home Warranty has a B rating with the Better Business Bureau. Since complaints about the company are listed in with the complaints from American Home Shield, there is really no way to know how many complaints this division of the company has versus complaints specifically targeting American Home Shield, but the parent company has had over 11,720 complaints filed in the last three years. 

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.

Competition

To provide a comparison between HSA Home Warranty and the competition, we chose Home Warranty of America 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.

  Home Warranty of America HSA Home Warranty
Cost $450 $445
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 $75/$100 $75/$100
National Availability Available in all states Coverage available in 19 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 $175 while Home Warranty of America charges $125.

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 $2,000 payout caps of Home Warranty of America’s plans, however, it clearly gives HSA Home Warranty the big win.  

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. Plans not only bring peace of mind when purchasing a home, but the affordable cost also provides a great incentive when you're negotiating the sale and you need to bring a little something extra to the table. 

Methodology

There are a variety of aspects to think about in choosing a home warranty. Our methodology for reviewing home warranties assesses a company's plans by using 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.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. BBB. "HSA Home Warranty." Accessed June 22, 2020.