We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
10 Best
Home Warranties
of 2024

EDITOR'S PICK

See Details

EDITOR'S PICK

See Details

EDITOR'S PICK

See Details
View 10 Best
Home Warranties 
  1. Home
  2. Home Warranties
  3. HSA Review

HSA Home Warranty Review


ConsumersAdvocate.org Rating: 1.1 / 5 (Poor)
197 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
View Top 10 List

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

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for HSA Home Warranty
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

197 Customer Comments & Reviews

Loading Reviews ...
hdemark
10/10/2018
DO NOT USE THIS COMPANY. Horrible contractors, the WORST customer service. You would be better off paying out of pocket. Their contractor said he fixed my furnace and when I went to use it, it almost burnt my house down. You cant get through to anyone unless you wait an hour. When you do, they don't help you and you cant talk to a supervisor. And for the President that is saying people get verbally abusive and irate...that's because your service is horrible. How would you feel if your house was 85 degrees or 30 degrees because of someone elses work and the people you are paying DONT GIVE A DAMN. REALTORS PLEASE DONT PUT YOUR CLIENTS IN THIS POSITION> DO NOT USE THIS COMPANY!!

D
Dave T
8/22/2018
I was provided an HSA Home Warranty when I purchased my home 13 YR ago. My Premium started out at $480 and is now up to $700. HSA has replaced the downstairs heat pump twice and the upstairs and downstairs air handler. They've also covered a broken pipe, broken dish washer and leaking hot water heater. Over all, they've lost money one me. Like the other Home Warranty companies I've used, the service companies are unhappy to do work for HSA because they get paid a discount rate. Unfortunately for home owners who are not mechanically inclined and experienced as I am, when I personally "walked the repair through system" the repairs were always covered in a reasonable fashion. Many,... Read More

R
Ryan
6/25/2018
PLEASE READ ALL OF THEIR REVIEWS AND DON'T WASTE YOUR MONEY WITH HSA! Got a home warranty from HSA on an older home that we just purchased. Many appliances, HVAC, roof, etc. were older, so we thought it would be a good idea. Called them after the AC unit didn't work. It cost me $100 deductible and it took a couple days for the HVAC contractor to call us and set up the service call. The air handler and evaporator coil were only a couple years old, so no issues with it. Upon checking the condensing unit, he found that the compressor had been replaced with one that uses a different refrigerant type....they're made for two different types of refrigerant or "freon." The contractor said it... Read More

C
Craig M
5/18/2018
6 weeks after we moved into our (HSA warranty covered) home, our air conditioner stopped working for about a day. And, before we realized we were covered by home warranty, we contacted a local HVAC company who came out and told us the coil has a leak and needs replaced. So, when we remembered we were covered, we contacted HSA. When the HSA HVAC guy came, he agreed there is a leak and the coil needs to be replace. However, he stated he was instructed by HSA to patch it, not fix it. And, now after we paid the $100 deductible, he won't even patch it because the first HVAC guy topped off the liquid. So, when/if it breaks down again (after a year), we'll have to pay the $5,000 out of our own... Read More

S
S. P
2/9/2018
This has to be one of the worst home warranties out there. They use off the wall contractors and don't stand behind them. They don't relay information to the contractors as needed. Be prepared for a simple repair to take three to four days. You will lose more money taking off work and waiting around, let alone the hour or two on phone just to try and make appointments. Run, don't walk to someone else.

Anita P
11/6/2017
Absolutely dissatisfied with company. It’s been 24 hours and my repair hasn’t even been assigned for repair. I am going to lose all of the food in my refrigerator and HSA does not cover loss of food. I was on hold for over 40 minutes to find out that 24 hours after filing my claim online that it had not even been assigned. They cannot even give me an estimate of when it will get to the repair company.

A
a d
7/23/2017
Im a Realtor and the company I was with has a partnership with HSA. Two of my clients purchased an HSA Home Warranty for $670 each. In my years in the industry, I or previous clients had any issues with other home warranty companies until now. HSA has denied to repair the items that are part of the warranty. Mind you I read all fine prints and my clients do as well as I advice them, and asks lots of questions from fine print so there are no surprises. In both cases, HVCA that are covered by warranty has been denied and there is nothing in the fine print. It seems that their contractor are trained to say its not covered making things up that are not true. We have had second opinions from... Read More

Top Rated
Our Partner

🔥 SALE: $150 OFF + 2 Months Free

  • Trusted by Forbes, NerdWallet & MarketWatch
  • Coverage for HVAC Systems & Home Appliances
  • Free Roof Leak Coverage & Multi-Year Discount 
  • Flexible: No Home Inspection Required
  • Hassle-Free Claims Online or by Phone
READ FULL REVIEW >
See Details

Related to Home Warranties

Top Articles
Suggested Comparisons