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HSA Home Warranty Review


ConsumersAdvocate.org Rating: 1.1 / 5 (Poor)
197 Customer Comments & Reviews - see all comments
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HSA is a home warranty company based out of Memphis, Tennessee, that provides warranty products, home buying and selling, and other real estate solutions, for both homeowners and realtors. They rely on a wealth of experience, born out of their 40+ years in the industry. They are a BBB-accredited business since 1990, with a B rating.
 
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How is HSA rated?

Breakdown

0.0/5
Transparency
2.5/5
Claims Processing
2.0/5
Coverage Options
0.0/5
Additional Benefits
1.0/5
Customer Experience

Overall Rating: 1.1 / 5 (Poor)

HSA Home Warranty policies cover the warranty industry's standard list of appliances and home systems. Policies are available on an annual basis. Once you pay your premium, your policy is in full effect, with no waiting period or home inspection required. Unfortunately, the company doesn't provide a lot of specifics on the most important aspects of a home warranty policy on its website. They do not describe the variety of plans they offer, the cost of those plans, the benefit limits of their policies, or the deductibles associated with making a claim. HSA may have innovative policies, low deductibles and plan prices, great service partners, or a host of other benefits. You have to request a quote to find out.

Speaking of requesting a quote, we also have some concerns about their privacy policy. Once you submit your information to HSA —which you must do to get a quote—the company reserves the right to share your data with marketing affiliates, real estate companies, and other entities with which you might prefer not to share your information.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
$25,000
Typical Appliance Benefit Limit
$300
Typical Systems Benefit Limit
$1,500

Coverage Options - 2 / 5

Thanks to exclusively offering combo or hybrid policies, HSA’s home warranties cover the standard gamut of systems and appliances. Despite their relatively weak specialty item offerings, their term benefit cap of $25,000 is remarkably high. Their appliance cap is $300, and $1,500 for systems.

What does HSA cover?

Covered Built-In Systems

  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Doorbells
  • Ceiling Fans
  • Sump Pump

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-In Trash Compactors
  • Stand Alone Freezer

Specialty Items

  • Pool/Spa

Contract & Price

Contract Details

Annual Premium
Starting at $589
Minimum Contract Length
12 month(s)
Online Quote/Application

Contract & Price - 3 / 5

HSA's starting price of $589 for a 12-month contract, makes them the most expensive base-level option on the market. While an exact quote can be generated via an online calculator, we strongly recommend that potential policyholders thoroughly read all the fine print. Once a policy has been activated it is irreversible, since HSA does not offer any sort of cancellation or money-back policies.

Sample Contract

HSA provides a sample contract for potential customers on its website: HSA Sample Contract

Cancellation Policy

The warranty is non-cancelable by either party except for the following: A. The contract fees are not paid. B. Fraud or misrepresentation of facts material to the issuance of this contract. C. If the contract provides coverage for the seller during the listing period and the listing is withdrawn or expires. Should the contract be cancelable under the laws of the state where the contract holder resides, an allowable administrative fee will be charged upon cancellation. HSA may, at its option, decline to issue any renewal or cancel any contract, if the contract fees are not paid within 10 days of the due date.

Claims & Service

Claims

Service Fee
$75, $100
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
0 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
The nation’s largest network of professional contractors.
Service Recall Period
30 days

Claims Processing - 2.5 / 5

With their claim of “the nation’s largest network of professional contractors”, HSA aims to provide quick, efficient service. Their service fees range between $75-$100, with no waiting period. Their 30-day recall period, as well as not requiring maintenance records, reflect the company’s wish to make their services easily accessible. Under certain circumstances, HSA’s 24/7 claims department may approve the use of a contractor that operates outside of their network.

HSA Reputation

Company Details

Year Founded
1978
Number of Employees
204
BBB Positive Reviews
0
BBB Neutral Reviews
0
BBB Negative Reviews
5
Date Collected
2020-05-27

Reputation - 3 / 5

HSA is not a member of the NHSCA the company isn't rated by the BBB. Their parent company, American Home Shield, however earned a B rating.

HSA receives 1 out of 5 stars on TrustPilot, but that is based on a single review and may not be representative of their service.

Contact & Additional Information

Homepage URL
http://www.onlinehsa.com/Homeowners/HSA-Home-Warranty.aspx
Company Phone
(800) 367-1448
Headquarters Address
1051 N Kirk Rd, Batavia, IL, 60510
Mailing Address
1051 N Kirk Rd, Batavia, IL, 60510
Year Founded
1978

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197 Customer Comments & Reviews

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Jeanie W
1/14/2019
Do not use, Fortunately we did not pay for this our realtor did. They have every excuse under the sun to deny coverage. Also had issues with the original company that came out lying and not even filing the claim. It is just a waste of $75.00 dollars for every service call.

Mike F
1/9/2019
This is the WORST home warranty - EVER. I can't take the time I want to complain here. Worse customer service the Sprint and Comcast combined. I am trying to cancel our coverage, I can NEVER EVER get a hold of anyone anytime I call and their payment gateway is antiquated. They take forever to get back to you and then have someone scheduled to fix any repairs.Nowhere on our account is there anything to cancel. If we didnt already have them, I would have thought they were a SCAM. And part of me feels like they may turn out to be just that. Do NOT use them and the high star reviews and ratings are either fake, faulty or political because they are absolutely NOT close to a high star rating.... Read More

Gregg K
1/8/2019
Fridge went out 1/5/19 - called and got a estimate initial visit of 1/10/19. Unacceptable, called service tech directly and got someone out 1/7.19. Need new compressor. Tech told HSA 1 week to fix, after they hung up told me part was b/o and quoted install date for repair 1/25/19. For those weak at math that is 20 days with out a fridge/freezer! Can you live without a fridge or freezer for 20 days? Is this acceptable to you? Multiple attempts to call have yield zero results and multiple hour plus hold times with zero resolution. Facebook messenger returned some movement, where they said tech quoted them 1/17/19 repair date (still 10 days from 1st visit and 12 with out the appliance)... Read More

J
Jason
1/8/2019
I'm sorry I can't leave zero stars. Here's my experience with HSA: I realized I had an electrical problem, so I decided to put in a claim. I went to their website, where I couldn't submit a claim because their site said my policy didn't exist. Ok, I'll just call. After over 45 MINUTES, I finally got an operator. I let her know about my problem. "I'm sorry sir, I can't help you with that problem, but I'll make a note of it." Anyway, after a few days it finally gets fixed, and I'm able to file a claim online. I'm contacted by an electric company who is only in my area 3 days a week, and who gives me a 5 HOUR window time (who do they think they are, a cable company??) in which... Read More

cwine0401
1/1/2019
I have nothing good to say about HSA. Their contract is vague at best, so that when they send someone out they can easily deny service. It took hours to get ahold of someone on the phone and I still have not received a call back from their "manager". I had a very old toilet with a snapped off ball-cock that my husband tried to replace on his own with a new system. Unfortunately he isn't handy and could not fix it on our own, which is when we called HSA. I had to call the contractor after 2 days without them calling me to schedule, and it wasn't until a week later that someone was scheduled to come out. He walked into the house, looked at the toilet for about 10 seconds and left saying he... Read More

Angela D
12/14/2018
There is nothing good to say about this company. What other reviewers have said is correct. Do not waste your money buying a contract from this company. It's a waste of money.

joycolephoto
12/4/2018
Terrible experience. Worst customer service. If you like waiting hours on hold to try to get in touch with a representative and paying hundreds of dollars to no result, go with HSA.

S
shantoura
11/26/2018
This company does not honor ANY service requests under their contract terms. There is a delay to speak to actual live person at any given time for about 30-40 mins to discourage such connection. Then agents find a caveat for every single angle, for things that were supposedly covered. It is as if they are trained to do so. Furthermore, the compensation to a service provider/contractor is the SAME or LESS without them. There is no benefit to this warranty and customers never receive the ANY value of the money invested into the program. THIS IS AN ABSOLUTE SCAM. BUYER BEWARE.

mary y
11/17/2018
Terrible experience. Emergency issue no working furnace and their system is under maintentance. No one could assist me. Was told to call back 2 to 4 hours. It has been over 6 hours and still can’t get through to anyone. I feel even if I do get through to someone they will be useless after reading all the terrible reviews on other sites. Incredibly disappointing as they have taken thousands of dollars from me and I can’t get help when it is needed most. I will make it known to every one I know and speak to realtors I know to make sure they never use them.

Coro R
10/15/2018
HORRIBLE CONTRACTOR NETWORK. Do not have the intelligence for "specialized systems" such as integrated HVAC systems from Trane. They replace with higher SEER ratings but from unknown companies and DO NOT REPLACE with like for like, brand for brand. Then try to get on a phone call with them - AN HOUR WAIT, AT LEAST. No customer advocates to help out - poor poor poor service for customers. WILL NOT USE THEM AGAIN

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