HSA Home Warranty Reviews
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About HSA Home Warranty
Home Security of America, commonly called HSA or HSA Home Warranty, sells one-year home protection plans designed to cover failures that standard homeowners' insurance usually excludes. HSA serves 26 states and Washington, D.C., with 24/7 service request support.
Visit www.onlinehsa.com- Simple online quote process
- Plans are transferable to new owners
- Customizable coverage options
- Full annual payment required upfront
- Coverage is limited to certain states
- Repairs only guaranteed for 30 days
Helpful Reviews
HSA Home Warranty coverage and plans
Coverage options from HSA vary by state, but most basic plans cover a core set of home essentials. You can review a sample contract for your specific area online before signing.
Our sample quote for a basic one-year plan on a home in Illinois covered the following:
Plumbing
- Water heaters and instant hot water dispensers
- Plumbing parts and primary sump pumps
- Routing of drain line stoppages
- Water, gas, drain and waste lines
- Polybutylene leaks
- Toilet tanks, bowls and wax ring seals
- Whirlpool bathtubs
- Water heater sediment removal
Heating and air conditioning
- Central heat
- Central air and heat pumps
- Thermostats
- Ductwork
- Ceiling fans
- Interior attic and exhaust fans
- Central vacuums
Appliances
- Ovens, stovetops and ranges
- Built-in microwave ovens
- Trash compactors, dishwashers and garbage disposals
- Garage door openers
- Refrigerators
Electrical
- Electrical systems
- Lighting fixtures
- Burglar alarms
- Fire alarms
- Doorbell systems
Miscellaneous
- Rekeying (up to six keyholes and four identical keys)
- Failures due to lack of maintenance
- Failures due to rust and corrosion
You can also add optional riders to customize your plan. These add-ons cover items like swimming pools, hot tubs, septic systems and roof leaks (though roof coverage is not available for condos or mobile homes).
HSA Home Warranty cost
HSA costs vary widely based on your location and property type. As of 2026, annual premiums for standard plans range from $495 to $635. The trade service call fee, which you pay for in addition to the premium for each repair, ranges from $100 to $125.
For our sample home in Illinois, a quote for one year of coverage was $535 with a $100 service call fee.
Our sample plan in Illinois also listed the following prices for 11 potential coverage add-ons:
- Electronics protection plan from Allstate: $216
- Water well pump/septic system: $100
- Electronic air cleaner: $40
- Clothes washer/dryer: $70
- Home freezer: $40
- Hot tub: $125
- Swimming pool: $150
- Pool and hot tub combination with shared mechanicals: $175
- Water softener: $40
- HVAC option (sellers only): $60
- 7 Star Upgrade (for more coverage): $149
HSA Home Warranty exclusions and limits
HSA Home Warranty plans generally come with some exclusions and limitations. You can find specific information in the “Limitations of Liability” section of your plan brochure, but expect these exclusions:
- Preexisting defects or other issues that were easily detectable before you signed the contract
- Damage caused by weather, such as storms, fire, ice or earthquakes
- Any issues related to hazardous materials
- Accessing covered components or systems other than plumbing or ductwork
- Problems with water pressure or electrical surges
- Cosmetic repairs like finishes, cabinetry or trim
- Equipment owned by a condominium association
- Repairs associated with manufacturer recalls or defects
Coverage limits
Plans also have specific financial limits. A typical HSA plan might have an aggregate coverage limit of $25,000, but smaller sublimits apply to specific items. For example, other coverage limits from our sample Illinois quote include the following:
| Seller and buyer coverage | |
|---|---|
| Domestic water heater (tank, heat elements, thermostat, valves, flue piping, electrical or gas connections and failures due to sediment buildup) | $1,500 |
| Kitchen appliances (all component parts on refrigerators, oven ranges, dishwashers, garbage disposals, built-in microwave ovens and trash compactors) | $3,000 |
| Optional seller coverage | |
|---|---|
| Central heat up to two units (forced air furnaces, wiring, heat lines and ceiling cables, water heater/heating combination units and oil systems, solar heating units, heat exchanges, wall furnaces and ductwork-attached humidifiers or thermostats) | $1,500 |
| Central air up to two units (electric units, refrigerated or evaporative units, packaged systems, heat pumps, geothermal systems, water source heat pump systems, thermostats and ductwork) | $1,500 |
| Buyer only coverage | |
|---|---|
| Roof leaks (including shingles, built-up roofing, slate and tile) | $750 |
| Optional buyer coverage (includes additional fee) | |
|---|---|
| Water well pump | $1,500 |
| Septic system (ejector/lift pump and failures of electric wiring, lines, tank or dry wells) | $300 |
| Hot tub (filters, heaters, pumps, motors, gaskets, relays, jets, impellers and valves | $1,000 |
| Swimming pools (heaters, filters, pumps, gaskets, relays, impellers, back flush valves and above-ground plumbing lines) | $1,000 |
You can find more details about coverage and optional add-ons in the sample brochure for your state.
HSA Home Warranty claims process
When a covered item fails, you can file a claim online or by calling the 24/7 service line. HSA Home Warranty will then assign a local, qualified contractor to diagnose the problem. You must pay the trade call fee at the time of service.
It’s important for HSA to speak with the contractor before work begins to confirm coverage. If the repair is approved, the company covers the costs up to your plan's specific limits. If there’s an issue with the workmanship within 30 days of the service, HSA will send the contractor back out for no extra charge.
HSA Home Warranty FAQ
What is covered by an HSA home warranty?
HSA plans typically cover major home systems and appliances that fail due to normal wear and tear. This includes central heating and air conditioning, interior plumbing, electrical systems and core kitchen appliances like refrigerators, ovens and dishwashers. You buy optional add-on coverage for items like swimming pools, well pumps, septic systems and roof leak repairs.
How much does an HSA home warranty cost?
Costs vary by location and plan type, but annual premiums generally range from $495 to $635. Unlike some home warranty providers, HSA requires you to pay for the full year of coverage upfront. You’re also responsible for service fees, which typically range from $100 to $125 per visit.
Does HSA Home Warranty require home inspections?
No, you can purchase a home warranty from HSA without a home inspection. Your systems must be in good working order at the start of the contract, as the company doesn’t cover preexisting issues.
Are HSA home warranties transferable?
Yes. If you sell your home while it’s still under HSA warranty, the remaining coverage transfers to the new owner. You should contact HSA directly to make sure everything transfers correctly.
Still have questions?
| Company | Customer rating | Covered systems | Available plans | Covered appliances | Roof leak coverage | Starting cost | Service fee | |
|---|---|---|---|---|---|---|---|---|
HSA Home Warranty | Learn More | 1.0 | 8 | 2 | 8 |  | $495 | $100 |
 American Home Shield | View Plan | 3.6 | 14 | 3 | 9 | | $29.99 | $100 or $125 |
 Choice Home Warranty | View Plan | 4.0 | 9 | 2 | 8 | | $49.17 | $100 |
 Liberty Home Guard | View Plan | 4.5 | 6 | 3 | 9 | | $49.99 | $65 to $125 |
 Cinch Home Services | View Plan | 4.2 | 10 | 3 | 12 |  | $38.99 | $100 to $150 |
HSA Home Warranty Reviews
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Reviewed July 14, 2026
They do not cover anything. They have one company they work for in my state and they’re horrible and only get money from the warranty company over and over. Do not use them.
Reviewed July 12, 2026
This company is complete trash except when they want their money. We have a water line issue and had to turn water off to the house. These idiots contracted some company from another town who was also a trash company. Zero replies from the contractor except they will be in touch with scheduling. We finally got a response and it was a week later they can come out. We had to text them 4 times to get a response. We tried calling HSA to find another contractor in our town. They (HSA) said they couldn’t do that. The reps did nothing nor did they even try to do anything more except tell us we’re SOL. Stay away from HSA, the company is a scam!!
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Reviewed July 4, 2026
An absolute waste of money. This warranty was added as part of our home purchase negotiations, and it is a total nightmare. We currently have no air conditioning and have been waiting for five days. HSA completely refuses to help, claiming their subcontractor isn't available—even though every other local HVAC company has immediate availability for less than HSA’s call-out fee. I just spent 50 minutes on hold only to get absolutely nowhere, and our AC is still broken.
On top of that, we needed a simple garbage disposal replacement. Their plumber tried to price-gouge us, claiming we needed to re-fit everything under the sink for $1,200. I hired an independent plumber who did the entire job completely to code for less than half that price, including the cost of the disposal. To make matters worse, HSA's plumber cut several pointless holes in my ceiling before leaving, which I now have to have fixed. Avoid this company at all costs.
Reviewed June 20, 2026
My refrigerator broke. It was going to take 9 days to get technician. I called back to see if I could get faster service. They didn't assign another technician until I called back late the next day. That Technician still hasn't called back in response to either my or HSA's call. I've found another technician who agreed to come in 3 days. May not be warranty--but at least I expect to have a working unit.
Reviewed June 16, 2026
DO NOT BUY THIS WARRANTY!!! They will find some reason to deny your claim and you can’t speak to anyone in the United States. They should be sued!! DO NOT BUY!!!
Reviewed June 16, 2026
Unfathomably bad. If I tried really hard to create a terrible company, I don't think I could even dream up an experience as miserable as what this company provides.
Reviewed May 13, 2026
I have had multiple claims with HSA Home Warranty, and while my first experience started reasonably well, the overall service has become extremely disappointing and concerning. My first claim involved both my dishwasher and range hood exhaust fan failing. The dishwasher was ultimately replaced under full coverage, which I appreciated. However, the installation was done incorrectly, and I had to arrange to have the issue corrected myself.
My second claim involved the range hood exhaust fan. In February 2026, the claim was assigned to Titus Appliance Group LLC. I was informed that a replacement part would be ordered, but after months of waiting, I still have not received any updates or resolution. Each time I contacted HSA, I was told the ticket was being “escalated” and that they would reach out to the contractor. I was also told that if the contractor failed to respond, HSA would follow up with me directly. Unfortunately, that never happened, and as of May 2026, the issue remains unresolved. Most concerning was my recent hot water tank claim in May 2026. HSA assigned JD's Best of the Best Services as the contractor. I was informed I would need to pay approximately $1,100 out of pocket to bring the installation “up to code.”
However, after researching the requirements for Euclid, Ohio, I discovered that replacing a hot water tank requires a plumbing permit and final inspection under Ohio and local building codes. Contractors are responsible for obtaining permits, ensuring code compliance, and scheduling inspections with the Euclid Building Department. Despite this, no permit was obtained and no inspection was scheduled for the installation.
I am deeply concerned that HSA continues to use contractors who appear to cut corners while passing large costs on to homeowners. Customers trust home warranty companies to provide qualified, licensed professionals who follow local codes and safety requirements. Unfortunately, my experience has shown poor communication, lack of accountability, delayed repairs, and questionable contractor practices. At this point, I cannot confidently recommend HSA Home Warranty based on my experiences.
Reviewed March 31, 2026
Company was quick and easy to talk to when setting up warranty. Furnace went out shortly after buying the home. Since then I have contacted the company multiple times to utilize the warranty. Phone reps are difficult to understand and are unable to repeat back to me to confirm what I said. Company seems like a scam. I have also emailed the company multiple times, no reply. I spent thousands out of my pocket to fix the furnace.
Reviewed March 24, 2026
This is the worst home warranty ever. Customer service does not speak English. Horrible wait times. Once you get someone the people they use can not get you in, or fix any issues. Then you spin your wheels and finally just pay it out of your own pocket.
Reviewed March 24, 2026
Worst warranty company on the planet. We 'inherited' this warranty when we bought the home from our sellers. We've had 3 issues within the first 6 months of buying the house. 2 plumbing related - one they flat out refused to cover saying it was 'external' pipes and those aren't covered even thought they're marketing materials call that out as one of their 'advantages' over other companies and the 2nd they sent out a plumber who said the water we were seeing under our flooring was ground water seepage. Thankfully, we had other contractors here doing some remodeling who took one look after they left and correctly diagnosed that the tub drain wasn't set properly and was leaking.
Our third and most recent issue is that there were some issues discovered during annual service of our furnace. The unit is old and the service provider they sent informed them parts could not be obtained so they grudgingly approved a replacement. Of course, they won't let the local provider get the unit (because they want to be able to ship the cheapest replacement they can find). So they order a unit, it shows up and when it's being installed, they find that HSA sent the wrong unit - it literally won't work with our existing ducts, etc.
This was discovered AFTER they disconnected our existing unit. So we are now on day 6 of ZERO heating or AC. They could care less. They just keep saying they've ordered the right one and it'll be here by the end of the week, which means best case, we'll get a new system 12 days after our existing one was disconnected. It was 44 degrees in our house this morning.
I attempted to chat message with them and every time we reach a point where they have no good answer to my questions, they miraculously have 'technical issues' that boot you from the chat and transfer you to a new agent who tells you they don't have access to the chat history and you have to start all over. I've called multiple times and either am on hold for hours or when I do get someone, they are reading from the same AI script as the chatbot/person and are USELESS. This company has THE WORST service I've ever encountered. We will be switching to another company the second our contract that came with the house expires.
HSA Home Warranty Company Information
- Company Name:
- HSA Home Warranty
- Website:
- www.onlinehsa.com