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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
Pros
  • Simple online quote process
  • Plans are transferable to new owners
  • Customizable coverage options
Cons
  • Full annual payment required upfront
  • Coverage is limited to certain states
  • Repairs only guaranteed for 30 days

Helpful Reviews

Des Moines, IA
Verified purchase
I had had this warranty for 5 years paid with no problem. When I finally need it for a service in my home, I got nothing. There was a drain in my laundry room backing up and water...

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Cleveland, OH
Verified purchase
I've not had a working refrigerator since april..they are supposed to replace it but I've called so many times and they keep promising it will happen and it never does…If I don't ...

Read more

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:

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?

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HSA Home Warranty Reviews

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    Page 1 Reviews 0 - 40
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    TechSales & Marketing

    Reviewed Aug. 20, 2026

    Scam. Our water heater failed nearly 2 months ago. It is still not repaired. They are attempting upcharges that are not in the contract. And I think they're hoping we go away. AVOID!

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    Customer ServiceCoverageTechPriceRefunds & PayoutsStaffHonesty & Transparency

    Reviewed Aug. 11, 2026

    They are a fraud. Been paying for 7 years and when our water heater went out they didn’t have anybody to come service it. Told us to contact a service and follow the directions. When it came time to get approval they claimed the technician did not call which I was there in front of him to get approval. 3 weeks went by with this fraud company saying that I needed to follow the directions. I even went to business that did the work and watched tech call again. They finally got back to me saying they would not cover the cost because it was not approved. I will be reporting this company to Better Business Bureau and contacting one of my attorneys because of the poor business etiquette and lying to customers.

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      Customer ServiceStaff

      Reviewed July 21, 2026

      Cannot get a callback to save my live, get disconnected every time. My boiler has been out since February. Cannot understand the operator when finally connected. 😬

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      Customer ServiceCoverageTechPunctuality & SpeedStaffResolution

      Reviewed July 21, 2026

      Mark from Alaska Plumbing and Heating did a fabulous job at my home today. There was an HSA-covered problem with the heating system. He quickly identified the problem and resolved it in a professional and courteous manner. He was professional, knowledgeable, and answered all of my various questions. This is my new home so now I feel more equipped to respond to problems that will surely surface over time. When I need a plumber or someone to work on my heating system (here or at my Anchorage rental) in the future, I will call this company and request that Mark do the required work. And I certainly appreciate the HSA policy the previous owner provided to me and their ability to locate an excellent company that then dispatched such a competent technician.

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      Customer ServiceContract & TermsPriceRefunds & PayoutsMaintenance

      Reviewed July 19, 2026

      Bought an HSA Home Warranty through our realtor when we were selling our property. We had some unknown plumbing problems discovered during the buyer's inspection requiring emergency plumbing repairs. We followed their procedural guidelines and have not received any reimbursement for any of the repairs which cost us $2,300.00 out of pocket. I have reported them to the BBB and their response is "call customer service". Well we've called multiple times and all we get is a run around, no one speaks clear English so communication is very poor. Basically it's a waste of money to buy this home warranty. They are cheats and liars. Don't waste your money.

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      Coverage

      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.

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      Customer ServiceTechSales & MarketingPunctuality & SpeedStaff

      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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      Customer ServiceTechPricePunctuality & SpeedMaintenanceStaffRates

      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.

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      Customer ServiceTechPunctuality & SpeedStaffTimeliness

      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.

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      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!!!

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      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.

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      Customer ServiceCoverageTechPricePunctuality & SpeedRefunds & PayoutsMaintenanceStaffTransparencyCommunicationCoverage Limits

      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.

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      Customer ServiceSales & MarketingPunctuality & SpeedRefunds & PayoutsMaintenanceStaff

      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.

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      Customer ServicePunctuality & SpeedWait Time

      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.

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      Customer ServiceCoverageTechStaff

      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.

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      Customer ServiceTechRefunds & Payouts

      Reviewed March 5, 2026

      I had had this warranty for 5 years paid with no problem. When I finally need it for a service in my home, I got nothing. There was a drain in my laundry room backing up and water was going everywhere. I called multiple times to be assigned contractors that would not show or just cancel for no reason at all. After 4 days of this going on I was afraid my basement would flood. I called in to cancel my service request because a contractor could not be found. I ended up having to pay out of pocket for the plumbing issue. Called HSA to see if I could be reimbursed as it was their fault that they have suck terrible contractors associated with the company. I was told because I did not let the work order sit longer I could not be reimbursed!

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      Contract & TermsTechPriceMaintenanceNetwork Quality

      Reviewed Feb. 23, 2026

      Do Not Use. The contractors they partner with are minimal quality. I've had to contract my own provider to fix their contractor mistakes on HVAC (dryer and furnance). It nearly cost me my house due to a fire.

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      Customer ServiceCoverageTechPunctuality & SpeedRefunds & PayoutsStaffTimeliness

      Reviewed Feb. 12, 2026

      Run fast and far away from this place. Contacted them about a service request for a bad heat pump. They told me they would have a contractor contact me within 24 hours. I didn't get a call from the designated service team, so I called and sent an email to them with no response. I couldn't wait any longer without heat, so I contacted another company that said my unit was 35 years old and needed to be replaced. At this point, the designated company called me to schedule to come out. By then, I was already having another company replace my unit to which HSA says they won't cover anything and they refused to have someone call me back. DO NOT USE HSA- Horrible company. Now I have to contact a lawyer for either some kind of reimbursement for the heat pump or my monthly fees back I've been paying for years. RUN AWAY FAST.

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      Customer ServiceStaffHonesty & Transparency

      Reviewed Jan. 30, 2026

      This company was of no help to me whatsoever when my water heater went out, and they showcased the most terrible, useless and unhelpful service I’ve ever experienced in my entire life. This company should honestly be ashamed of what kind of customer service that they provide and represent as a company. I will NOT be renewing my service with this horrible company. From management all the way down to their associates, the customer service that I experienced was beyond horrible.

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      Customer ServiceTechPunctuality & SpeedMaintenanceStaffTransparencyResolutionNetwork QualityWait Time

      Reviewed Jan. 28, 2026

      Nature of Dispute: Failure to provide emergency service and wrongful denial of reimbursement. ​Detailed Description: I am seeking full reimbursement for a water heater replacement that was necessitated by a plumbing emergency on Saturday, January 24th. At approximately 5:00 PM, the water heater valve sheared off, causing active flooding in my basement and leaving my home without hot water. This occurred immediately preceding a forecasted snowstorm of 12+ inches and extreme cold. ​Timeline of Events: ​Jan 24, 5:00 PM: Emergency occurred. I submitted an online claim immediately. HSA assigned a contractor who does not work weekends and, as of three days later, has still never contacted me.

      ​Jan 24, Evening: Attempted to reach HSA’s emergency line. I was met with hold times exceeding one hour and was unable to speak with a representative to dispatch an urgent technician. Due to the active flooding and the impending blizzard, I could not leave my property at risk of further structural damage. I contacted an independent plumber who diagnosed the unit; the valve was non-repairable, requiring a full replacement. ​Jan 25, Morning: I contacted HSA to update them. The representative summarily denied reimbursement because I did not "wait" for their unresponsive contractor to approve the work—despite the fact that their contractor was unavailable and the situation was a flooding emergency.

      ​Escalation: I requested a supervisor. I was promised a callback within 24 hours. It has now been significantly longer than 24 hours and finally call back. Supervisor just regurgitated the exact same information as other representatives like a robot. Still no call from their plumber. Jan 28, Afternoon: HSA plumber finally contacts us 4 days later via email saying they cannot schedule anything for another week. So per HSA we are supposed to wait for heated water for 2 plus weeks in snowstorm and below 0 temperatures just because we have to use their incompetent plumbers that are unresponsive just like HSA.

      ​Argument for Reimbursement: HSA’s failure to provide a responsive "emergency" solution during a flood and a natural weather disaster forced my hand to mitigate further damage to my home (as is my responsibility as a homeowner). As well as provide dangerous situation for my 2 children and wife to not have heated water in below 0 temps and snowstorms for 2 plus weeks. It is unreasonable to expect a customer to allow a basement to flood for a week while waiting for a non-responsive, third-party contractor. HSA failed to fulfill their contractual obligation to provide timely service for an emergency claim.

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      Punctuality & SpeedBilling

      Reviewed Jan. 8, 2026

      Upfront payment for little to no service or unfriendly service. The company they dispatched for my furnace basically told me they can show up whenever they feel like it, despite having an appointment between 7-8. Don't waste your time or money. Network. Talk to your friends and find someone legitimate.

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      Verified purchase
      Customer ServiceTechSales & MarketingStaff

      Reviewed Dec. 29, 2025

      Please please do NOT use this company. I can't warn you enough. We went 4 weeks without a furnace (in Wisconsin) because they sent out an illegitimate company. I've attempted to call about other issues, but they aren't able to book it. Their customer service is non-existent, and when you do get someone, they are incredibly rude and don't help. Please save yourself the headache. This company is a scam.

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      Customer ServiceCoverageTechPunctuality & SpeedStaffResolutionWait Time

      Reviewed Dec. 1, 2025

      My hot water heater died last Tuesday. HSA has not yet replaced it. They hope to find the "parts" (a new water heater) by next Monday (going on two weeks without hot water). Installation will then follow. Any other plumber in town could replace it in hours. HSA has not explained the delay. Beyond that, when I called to investigate, the wait was 50 minutes. They had a call back feature, but they called from a different number, so I did not answer. As a result, I had to dial again and wait another 50 minutes. The initial representative had a terrible phone connection. I asked for his supervisor, but all I got was "escalation."

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      TechSales & MarketingPriceRefunds & PayoutsCoverage Limits

      Reviewed Nov. 17, 2025

      Don’t waste your money on this home warranty company. They inspected house when I purchased it and took the money and ran. Now, after many years with this so-called warranty company; they decide the hot water heater is not up to code. Trying to scam me by an overpriced installation from a third party vendor and ste it could be 14 weeks without hot water heater. Of course, they aren’t paying for lodging while awaiting them to get a replacement. The best part of the scam is they have serviced this hot water heater multiple times over the decade and never mentioned it needing to be brought up to code nor was it mentioned when they inspected the house before warranting. Better Business Bureau and Attorney General will be investigating their deceptive bait and switch tactics!!!

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      Coverage

      Reviewed Nov. 7, 2025

      The worst company I've ever worked with. THE most important appliance in our home, the sewage ejection pump, isn't covered. Not only that, but I have no way of adding this to our plan until our yearly renewal. So my house smells like $h1t, but my microwave works. Un-freaking-believable.

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      Customer ServiceCoverageTransparency

      Reviewed Oct. 28, 2025

      I am extremely disappointed with my experience with HSA Warranty. I paid for their coverage, expecting reliable support and clear information, but what I received was nothing short of frustrating. They took my money without providing adequate details about the coverage or process, leaving me completely in the dark when I needed assistance. Customer service was unhelpful and unresponsive, making it impossible to get any clarity or support. I would strongly advise others to steer clear of HSA Warranty to avoid the same headaches and lack of transparency I experienced. I wouldn't even give them a star... But did not give that option.

      -MAY M.

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      TechMaintenanceStaff

      Reviewed Oct. 24, 2025

      I have this warranty from the seller. They have sent three highly unreliable and incompetent companies. The air conditioning company did not fix problem and further broke as well as left filter out and caused huge leak. They never returned to fix. Next heater not turning on and the company they sent did not show up 3 days in a row. The next company was unprofessional and never fixed problem. HSA unethically partners with incompetent vendors that do not fix problems.

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      Customer ServiceTechStaff

      Reviewed Oct. 15, 2025

      My experience with home warranty companies was never good. HSA just made it worse. I've purchased homes before. Throwing in a home warranty in the transaction is typical. I had one with this house. I called about a garage door topic. I cannot get a provider to come out. HSA will send it out to a provider, but they won't come till two weeks or they cancel. HSA is wasting my time. I can deal with a garage door issue taking a while, but what if this were an AC? Very frustrating. I can call HSA, but no one cares.

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      Customer ServiceCoverageTechSales & MarketingPricePunctuality & SpeedMaintenanceStaff

      Reviewed Sept. 17, 2025

      Got the plan from our home seller, they did helped helped to fix refrigerator and made compensation. It took 3 months for them to finally finish a dish-washer repair. The vendor Express Appliance touched the garbage disposal next to the dish washer when he was working in that zone, so the garbage disposal stopped working after him. I contacted HSA and they said the vendor will call me and come to have a look, but they never called or appear. After almost 2 months, HSA finally agreed to send another vendor to have a look, seems they have no control of the first vendor. The manager agreed that if the new vendor find it is just a resetting problem, there is no charge on us, if there is something new to be fixed, we will have to pay the $100 co-pay. The new vender came and find it is just a resetting issue, which he did it in 1 second.

      Then after 1 week, we repeated got the email and calls from HSA asking us to pay $100 copay, since they generated a new dispatch number.. Seems they really have insufficient internal communication. But after I spent time to explain them the story, they still called several time to insist that I need to pay, "I am sorry this happen, I understand your point. But...you just have to pay". It's bullshit, these people they don't understand how to stay in business and they definitely don't feel sorry that how you enjoy the kitchen smell without garbage disposal in 2 summer month because of them. Then they threat that if you don't pay this $100, your insurance contract will lapse and they will go collection....The collection system is to support this scamming conduct? I will wait for the collecting, and I will warn everybody I know, leave HSA alone

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      Customer ServiceContract & TermsPunctuality & SpeedRefunds & PayoutsStaffCoverage Limits

      Reviewed Sept. 16, 2025

      I pay nearly $1000 a year for a plan and then have to pay for a service call fee on top of it. Customer service, in general is terrible. Only one agent was helpful and understanding. She stepped up and made things happen... A wonderful customer service agent. (Her name is Fawn.) I had to wait 2 weeks to get my air conditioner fixed.... Customer service (I spoke to a few of them) just kept putting me off saying I was in the queue and it would take time to find a business to do the job. I was getting angry because the house was around 95 degrees every day and my mother, who is old and has dementia, was stressed out. The agents didn't care until I spoke with another agent, her name is Fawn. I even reached out to find a company that works with HSA to get an appointment set up.

      I was told that I cannot do that, but Fawn made it happen. I just recently had to make another service call and pay the service fee for the same situation, since it was not fixed. They wanted the service fee again and would not credit it back to me. The agent said they cannot do that, only if it is under 30 days. So, I am paying twice for something that was not fixed properly the first time. Also, the agent was hard to understand when she spoke quickly, her accent. I asked her to slow down. She also kept talking over top of me which was making me mad. So, I would stop speaking and she would not say anything. I had to say "hello" a couple times to see if she was there. Her answer: "Well, you were telling me that I was talking over top of you, so I am not saying anything now." What childish behavior!! When you are customer service you will have to deal with happy, angry, dissatisfied, confused, etc. customers. That is the job.

      I recommend having a home warranty, since so many things can happen, unless you are very wealthy and do not need a warranty, but I would not recommend this company with positive vibes. I only gave them a one star because they do not deserve better. Also, when I was calling companies to see who worked with HSA, to do my service job, some of these companies told me they no longer work with HSA because they are difficult to deal with.

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      Customer ServiceTech

      Reviewed Sept. 15, 2025

      If I could give negative stars, I would. Customer service response time is horrible when people have no hot water or AC in the summer with 80+ temperatures. They’re trying to repair a system whose parts are no longer available and are not allowed by EPA and building code standards. Tech didn’t even check the stated problem just immediately said it needed a new coil that’s not available.

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      CoverageTechSales & MarketingPunctuality & SpeedRefunds & PayoutsMaintenanceStaff

      Reviewed Aug. 19, 2025

      I recently bought a house and got a 1-year protection plan for all the appliances, after a few months the fridge broke down and I contacted HSA. They made me pay $100 for the technician's inspection, which I thought was fair if they were taking care of replacing or repairing the fridge. However, the part that was broken was not mass produced any more and "supposedly" they were sending my part to the manufacturer for repairment. The whole process was going to take 4 weeks (without a fridge) OR I could take their payout for $300 (remember I already paid $100 out of pocket for the inspection). Essentially, they forced my hand into accepting their $200 (net) for a whole fridge because with kids I can't wait 4 weeks for their repairments. This Company is run as a big scam, and I am giving them 1 star because that's the lowest they let me go.

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      Customer ServiceTechSales & MarketingBilling

      Reviewed Aug. 14, 2025

      This company should get shut down. After I closed on my new home, I started getting calls and mail from HSA Home Warranty about my "new warranty". I did not purchase a home warranty. They are sending me bills and demanding payment. When I told them I didn't buy a home warranty and wanted to verify their claim before offering payment information, the man on the phone was very pushy and said he could "verify it wasn't a scam" by repeating mortgage, seller, and buyer information from our recent closing. Besides from offering public records data, he also said "you have a service request on your AC, right?" That was not correct, and even if he had guessed correctly, it doesn't prove I have a contract with them. They didn't offer any contract information. I never signed any contract with this company. I haven't paid them any money, but they are claiming I owe them $616.30. Reported to the FTC and BBB! Run don't walk away.

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      Sales & Marketing

      Reviewed July 8, 2025

      This is the worst company that I have ever dealt with. We are on day 12 without AC in the middle of July and have been told it's going to be another 9 days before we can a fix. The first fix didn't work and there's no confirmation that the second fix will either. DO NOT WASTE YOUR MONEY WITH THIS COMPANY. IT IS A SCAM.

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      Customer ServicePricePunctuality & SpeedRates

      Reviewed June 25, 2025

      I had HSA for 6 years. In those 6 years, I have used it successfully - twice for AC and once for the garbage disposal. The costs has gone up significantly in those years. I wanted to cancel the service. There is no way to cancel line. I called to cancel and was taken through paces to cancel. I was put on hold three times. Offers for free months and lower monthly rates were made. I said no. 30 minutes later, I was still holding to get the plan cancelled. The customer service is awful. Do not buy this product!

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      TechResolution

      Reviewed June 17, 2025

      I have had this home warranty for 10 years. I've generally been satisfied until my AC went out. My unit is 18 years old. It was a condenser. The contractor was trying to sell a unit before he even know what was wrong. I'm a realtor. Anyhow, it's now Monday, 5 days since it went out in Las Vegas and it's 111 today. The contractor said it would be 5 business days for home warranty to order the compressor. I asked for an escalation since it had been 5 days. They said the cash out dept would take 1-3 business days, so you know that means 3. I'm extremely disappointed that they are acting so flipped. My 86 year old mother lives with me and it's extremely difficult. Not pleased with their service. Vegas/Phoenix in the summer should always be the highest priority. This will affect my future dealings.

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      CoverageTechStaff

      Reviewed April 30, 2025

      HORRIBLE HORRIBLE HORRIBLE Have been trying to get my A/C Heat Pump repaired since December and HSA has sent out 5 going on 6 vendors and either they can't figure it out, HSA isn't paying them enough to repair it, or they don't know what is going on. HSA is a joke of a company and only cares about taking your money and screwing over the customer.

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      Customer ServiceTechStaff

      Reviewed March 30, 2025

      I have nothing but great things to say about this company. Repaired AC coils in Furnace, garage door opener, new water heater, new dishwasher, electrical problems, plumbing. Most cases repair man out within 2 days to ascertain the problem and repaired within 7 days. Customer services reps were always very helpful. Maybe it's the part of the country we live that have people that get the job done. The Midwest.

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      Verified purchase
      Customer ServiceTechPunctuality & SpeedRefunds & Payouts

      Reviewed Feb. 28, 2025

      Great as long as you don’t need it for anything. They sent out a company that didn't know how to even work on our furnace. Three times even though we called and told them not to. They marked service complete “by accident”. Claimed mold was the reason the heat kit blew. We hired an independent company out of pocket and received a different response. Asked 5 times for copies of the diagnosis and reports. Still waiting. Do not use this joke warranty.

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      Customer Service

      Reviewed Feb. 15, 2025

      Lousy company. Just bought a house and circut board on dishwasher is dead and water heater is leaking. No call backs or notice to when they will replace. They just give you a run around. Multiple calls over the last few days.

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        HSA Home Warranty Company Information

        Company Name:
        HSA Home Warranty
        Website:
        www.onlinehsa.com