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First American Home Warranty vs. HSA Home Warranty

Compare coverage, cost and reviews

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Written by Matt Zane
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Edited by Jon Bortin

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Personalized home warranties from multiple providers

First American Home Warranty and HSA Home Warranty are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.

First American Home Warranty is our recommendation for varied plans and pricing options. You can choose between three plans, two service fees and the option to choose between monthly or annual payment plans. With HSA, you have to pay annually and only have one choice of service fee.

We recommend HSA Home Warranty to homeowners looking for more coverage at a lower price. Its base plan covers more appliances and systems than First American’s lowest-tier plan.

First American Home Warranty vs. HSA Home Warranty plans and pricing

Home warranty companies generally offer varying levels of coverage, but how companies separate their plans can be very different. Many companies split up coverage for appliances and systems.

Home warranty plans can be divided into three categories:

  • Appliance plans cover common home appliances, including washers, ovens and refrigerators. Most appliance plans do not cover home electronics, including televisions, but some companies offer electronics coverage for an additional cost.
  • System plans typically include coverage for your home’s plumbing, electrical and HVAC systems.
  • Combo plans cover both systems and appliances, though not all combo plans provide the same level of coverage.
Take a look at what you want your plan to cover. If your appliances are new and covered under a manufacturer’s warranty, you can save money by choosing a plan that only covers your home’s systems.

Pricing for home warranty plans typically depends on your choice of service fee, which is your out-of-pocket cost when filing a claim. Choosing a lower service fee increases the plan's cost. If you don't expect to make many claims, a higher service fee might save you money overall.

Here's a breakdown of the cost of First American Home Warranty and HSA Home Warranty plans based on the service fee you choose:

First American Home Warranty pricing

You can select a service fee of $100 or $125 with First American Home Warranty. You’ll pay $25 more out of pocket for repairs with the higher service fee, but your plan will cost you $5 less monthly.

HSA Home Warranty pricing

HSA Home Warranty’s two plans have just one service fee option: $100. Additionally, there is no option to pay monthly for an HSA Home Warranty plan — you must pay for a year of coverage upfront.

*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.

First American Home Warranty vs. HSA Home Warranty coverage

First American Home Warranty and HSA Home Warranty both offer a range of plans designed to protect your home's systems and appliances, but there are some notable differences in their coverage options.

First American Home Warranty offers three plans that all cover your home’s systems and appliances. Higher-tier plans cost more, but provide more comprehensive coverage.

HSA Home Warranty offers two combo plans that each offer varying levels of coverage for systems and appliances in your home.

First American Home Warranty vs. HSA Home Warranty add-ons

First American Home Warranty and HSA Home Warranty also offer additional coverage options. These add-ons allow you to customize your home warranty coverage, ensuring that your plan includes protection for items that may not be included in the standard packages.

First American Home Warranty add-ons

If you’d like additional coverage, First American Home Warranty lets you pick up to 12 add-ons. Here’s the monthly cost of the most popular options:

HSA Home Warranty add-ons

HSA Home Warranty allows you to include up to 10 add-ons in your coverage. The monthly cost of popular add-ons is listed below:

First American Home Warranty vs. HSA Home Warranty reviews and ratings

We looked at thousands of reviews from real home warranty customers. Here’s what home warranty shoppers care about most:

  • Technicians: Reviewers often mention the quality of a company’s in-network technicians. This typically relates to how quickly and adequately technicians identify and resolve issues with a home’s systems and appliances.
  • Customer service: Being able to reach a representative easily and resolve account issues efficiently are the hallmarks of good customer service. Customer service reviews also frequently mention how knowledgeable and polite the company’s representatives are.
  • Claims handling: Reviews about claims handling usually revolve around two things: speed and convenience. When customers complain about a poor claims process, it often relates to a slow response time for home repairs or a complicated system for submitting claims.
  • Coverage: Reviewers who discuss coverage typically mention how well a home warranty company honors its contract (in the reviewer’s opinion). A denied claim or an unsatisfactory coverage limit frustrates customers and leads to poor reviews.

Below we break down what percentage of First American Home Warranty and HSA Home Warranty customer reviews over the last year mentioning one these four important factors reflected a happy or satisfied customer. The closer a company is to a 100% satisfaction rate, the better it is in that area.

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