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HSA Home Warranty

HSA Home Warranty
Overall Satisfaction Rating 1.18/5
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Based on 229 ratings

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    Home Security America, commonly known as HSA or HSA Home Warranty, sells home warranties. Get a quote online or over the phone to see what the company covers, what riders or add-ons are available and how much a contract costs. HSA serves 25 states, and its customer service line is open 24/7.


    HSA's home warranty options are straightforward. If you're interested, first make sure it operates in your state, then decide if HSA's coverage and pricing work for you.

    • Easy quote process
    • Helpful online resources
    • Affordable options
    • Limited availability

    Top HSA Home Warranty Reviews We Found

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    Rated with 5 stars
    Verified Reviewer

    We bought our home almost 10 yrs ago in an area we knew very little about. The previous owner added HSA home warranty. ... They have the contractors who are very dependable and on time. HSA has saved us so much time and aggravation, of trying to find reliable and dependable contractors.

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    Rated with 5 stars
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    Verified Reviewer

    We received this home warranty when we purchased our home. When the first year was over we were given an option to extend. ...about a month after renewing our furnace broke. HSA was quick to respond and got us a new furnace within 2 days. It was a great experience. ... I definitely recommend.

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      What is Home Security America?

      Home Security America, also known as HSA or HSA Home Warranty, sells home warranties. Home warranties are service contracts that cover the repair costs for home appliances and systems when they break down.

      HSA’s service process is simple:

      1. The customer places a service request online or calls the 24/7 customer service line.
      2. HSA assigns a local service professional to the job.
      3. The service professional contacts the customer to schedule an appointment.
      4. The service professional repairs or replaces the broken system or appliance, and HSA takes care of the bill. The customer pays a service call fee.

      Home Security America serves the following states: Alaska, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, New Jersey, New York, North Carolina, North Dakota, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia and Wisconsin.

      Home Security America coverage

      Coverage varies by state, but our sample quote for a one-year plan on a home in Illinois covered the following:

      • 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, heat pumps
      • Thermostats
      • Ductwork
      • Ceiling fans
      • Interior attic and exhaust fans
      • Central vacuums
      • Ovens, stovetops and ranges
      • Built-in microwave ovens
      • Trash compactors, dishwashers and garbage disposals
      • Garage door openers
      • Refrigerators
      • Clothes washers and dryers
      • Electrical systems
      • Lighting fixtures
      • Burglar alarms
      • Fire alarms
      • Doorbell systems
      • Rekeying (up to six keyholes and four identical keys)
      • Failures due to lack of maintenance
      • Failures due to rust and corrosion

      Home Security America cost

      HSA home warranty costs vary widely. Annual premiums for standard plans range from $195 to $619. The service call fee, which you pay for each repair, falls between $75 and $100. Our quote for a sample home in Illinois was $505 for one year and $100 per service call.

      Our sample plan in Illinois also listed 11 potential coverage add-ons:

      • Electronics plan from Asurion: $216
      • Water well pump: $45
      • Septic system: $45
      • Electronic air cleaner: $40
      • Home freezer: $30
      • Roof leaks: $45
      • Hot tub: $150
      • Swimming pool: $150
      • Pool and hot tub combination: $175
      • Water softener: $40
      • 7 Star Upgrade (for more coverage): $149

      Home Security America FAQ

      Does HSA Home Warranty require home inspections?
      No, you can purchase a home warranty from HSA without a home inspection.
      Are HSA home warranties transferable?
      Yes. If you sell your home while it’s still under HSA warranty, coverage transfers to the new owner. You just need to contact HSA to make sure everything transfers correctly.
      Is HSA’s customer service available 24/7?
      Yes, you can contact HSA’s customer service at any time of day.
      Does HSA choose the service contractor?
      Yes, HSA chooses the contractor, who then sets up an appointment with the customer needing service.

      Is Home Security America worth it?

      Home Security America might be worth it for consumers looking to protect their home’s appliances and systems. Prices in some areas are steep, but there are affordable options, too. If HSA doesn’t provide coverage in your state or its prices are too high for your budget, we recommend comparing quotes from other highly rated home warranty companies.

      HSA Home Warranty Reviews

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      How do I know I can trust these reviews about HSA Home Warranty?
      How do I know I can trust these reviews about HSA Home Warranty?
      • 3,149,555 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.

      For more information about reviews on please visit our FAQ.

      Page 1 Reviews 0 - 10
      Rated with 1 star
      Verified Reviewer
      Original review: April 26, 2021

      The warranty says they will pay me $500.00 dollars for furnace upgrade. The contractor they sent me checked out my furnace and told me they would have to replace it, I told him I wanted to upgrade to a more efficient one with air conditioning. He quoted me a price that for a Lennox that I thought was high for a mid range efficiency furnace that wouldn't qualify for the local energy supplier rebate. I then checked with my local Lennox Dealer who agreed the furnace needed to be replaced and got me a made in America Lennox higher efficient furnace for a $1000.00 dollars less and qualified for rebate saving me another $450.00. So I'll end up with a better deal but HSA home warranty was worthless because the contractor they sent told them the burners were bad but no action needed and had told me the furnace needed to be replaced. Their contractor is a crook and HSA was no help.

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      Rated with 1 star
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      Verified Reviewer
      Original review: April 16, 2021

      I had a broken water valve in my house. I needed help very quickly because it could not be turned off. If you are buying a plan you get a person, but if you need help you get an automated machine that takes ten years to help. There I was trying to catch freakin water and read off a credit card number to a damn machine to get help, WHICH IS WHAT I PAY THEM FOR AND THEY WEREN’T DOING. Not worth the money and I will absolutely never buy a home warranty from them ever again.

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        Rated with 1 star
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        Verified Reviewer
        Original review: April 12, 2021

        Don’t get HSA. They do not have emergency services as advertised. Their 48hrs or less guaranteed only applies to weekdays. As I had a leaking and busted water heater on a Thursday, they didn’t have anyone available until the following Monday to come and look at it and told me they were still within their 48hr window for service as stated on the contract. What??? Apparently weekends don’t count towards their 48hr guarantee, and the five plumbers I called that could come within the hour were not on the HSA listing so I had to pay out of pocket to have one come down to help me out. Luckily I am on Month to month and about to leave HSA forever. Good luck to those who love talking to people that can barely understand you and don’t care one bit about your emergency situations.

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        Rated with 1 star
        Verified Reviewer
        Original review: Feb. 19, 2021

        I have used HSA home warranty for 13 yrs in St Louis and had A&E come to our home for repairs time and time again with no issues. We moved to FL 2 yrs ago and need repair on our fridge. We called HSA, which contracted A&E to fix it. The repair man came on Jan 16, 2021, diagnosed the issue and ordered the parts. They scheduled a revisit on Jan 29 to install, which they never came and never called. They also said on their system that we were not home. This is a total lie. I have a disabled husband and we are home ALL THE TIME. We called several times after the visit window (11a - 2pm) and were told they were on the way. At 6:30pm the agent apologized saying that there were no more agents in our area. Rescheduled for Feb 5 (sorry this is our next apt ), to which they did the same thing. Never came and never called.

        Again for Feb 12. Again for Feb. 19 - which should be an apt tomorrow, but when I called today to confirm, I was told that no agent will be in this area and that the next apt is March 1. HSA will not send another vendor because the parts are from Sears. A&E keeps playing schedule games with me. So, as a consumer, I am completely screwed because I cannot get another vendor to come to install the parts and I am without a fridge for over a month now. Mind you, when the monthly draft is due, HSA happily takes the money out of my account. When I schedule a service call, HSA requires a pre payment. What is a consumer to do?

        My kids told me not to write a review because I could "sound like a Karen". What does A&E care? They will get paid regardless of when they come. Tomorrow or next month. What does HSA care? They get my monthly payment. And you know what? If I decide to cancel my insurance, They will not miss my $600/yr premium AND I will have to start from scratch. So there it is my friends.... A sad story of a broken refrigerator and a broken-hearted house wife who just wants people to do their freaking JOB!

        4 people found this review helpful
        Rated with 4 stars
        Verified Reviewer
        Original review: Feb. 10, 2021

        I purchased my house a year ago and it came with HSA. I typically do all my repairs, so I was undecided if I was going to keep them. Most of the appliances were older, several were 20 years old. If most were newer, I’m not sure I would have continued my service. Nine months after we moved in I had refrigerator and water heater issues, and more recently the furnace. I troubleshoot the water heater and furnace and knew what they needed. Both jobs I never took on before, so I paid my contractor fee. With all three appliances, I had an unexpectedly wonderful experience with HSA. Each time I called I was not on hold for too long of a time. Most if not all of the agents I talked to were easily understood, and I knew most did not speak English as their original language. After I answered all the questions I was given a Dispatch ID number.

        With two of the three issues I had, I was called by the contractor within 5-10 minutes. One took a half-day. I have read other reviews, if they've changed...well...I guess I've come in at the right time. I had a refrigerator, gas valve and zone valve replaced and it has saved me my time and money. So far, I believe I am ahead considering the time and cost of doing it on my own. So far HSA is great, if that changes, I might too.

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        Rated with 1 star
        Verified Reviewer
        Original review: Nov. 10, 2020

        I've had HSA home warranty for 15 years. It was provided by the seller for 1 year and I decided to continue with it. I have made 3 claims in 15 years. I called to schedule a service call and they set me up with a company that has terrible reviews. So I asked for a different company to come out (of their choice) but I was refused. Every call I have made to them in 2 days I was put on hold or should I say ignore for hours! I called for the last time and was going to cancel my warranty since it is up for renewal but was transferred numerous times after each representative told me I was being transferred to the cancellation department but I never made it there. I never had this problem before. I've always spoke to someone in the USA not overseas. This is a very unfair practice for a loyal customer and for anyone who is a customer! I would give minus 10 stars if possible! I'm finished with hsa!

        8 people found this review helpful
        Rated with 1 star
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        Verified Reviewer
        Original review: Aug. 25, 2020

        If you like to wait on hold long hours, have a major language barrier in communication, and have a company basically not cover anything, then this is the place for you. I needed a shower drain basin replacement which was not covered. Found out the only plumbing thing they cover is drywall. Had a separate issue with a leak over the front door that ended up being a siding issue, which guess what? Was not covered. It’s more expensive and covers less than the very first company I found besides them.

        9 people found this review helpful
        Rated with 1 star
        Verified Reviewer
        Original review: Aug. 18, 2020

        This company is AWFUL...if I could give it 0 stars I would. Since we moved into our new home a month ago, our refrigerator has been broken. Not exactly the type of appliance you want to live without. The previous owners bought a warranty with HSA and so we have no choice but to use them. We have had calls in which we've waited on hold for over 2 hours. The repair people they keep on container in our area have inflexible schedules and could not service the refrigerator for 1 week.

        When the repair company finally came, they had to order a part from HSA which didn't arrive for 8 days. The diagnosis from the company which HSA assigned us was incorrect. We are now waiting (again, ONE MONTH after moving into our new home) with no word from HSA on when they will be sending the 2nd part to the repair company. My husband just waited on hold for an, spoke with a representative, who then put him on hold for ANOTHER hour. A company like this should not be allowed to operate! Or at least forced to hire more call service reps! The most frustrating part is we had NO CHOICE in which home warranty company we have to use!

        7 people found this review helpful
        Rated with 1 star
        Verified Reviewer
        Original review: Aug. 16, 2020

        On 6-11-20 I submitted a claim online for my washing machine, a service call was scheduled for 6-17-20. The service technician stated the unit was nonrepairable and that we would hear from HSA in 1-3 business days to start the replacement process. After day three I had not heard from HSA. I called and after a forty-minute wait finally got through to a representative and was told I would receive and e-mail in 3-5 business days. I received the e-mail to start the order process for a new washing machine.

        I had a Maytag Bravo machine and was looking for a comparable unit. I did some research to see which of the wash machines HSA offered were close since the Maytag Bravo was not an option. There were three wash machines I felt were close but still not as good as the Bravo. I selected my first choice, item not available. I selected my second choice, item not available, I selected my third choice item not available. Every other option was sub par. I then decided to see what the cash option was. The cash option was purchase the unit of your choice send in your receipt and you will be mailed a check for the cash out option which in this case was 489.75.

        On June 25th I submitted my receipt for a new washer for 674.80 this was the same Maytag Bravo brand. I received an automatic reply that I would receive a reimbursement check in 7-10 business days. After 10 days I had not received a check, I called HSA numerous times and after 30-40 minutes on hold gave up. One day I was on hold for 2hours and 12 minutes and still was unable to get a hold of a representative. Over the 3 days I called and called and finally decided to wait until I was able to speak to someone, this also was over a two hour wait. I was told a check was cut on July 5th and I should be receiving it soon.

        I finally received the check the first week of August and it was dated July 24th. The customer service reps at this company are terrible, they do not listen to your concern and always use scripted responses, I'm sure they are reading from their computer screen. After spending over 20 hours on hold with this company along with the lack of customer service and the loss I took on the wash machine which should have been able to be replaced, they were unable to fulfill their end of the contract I decided to cancel my contract.

        Now add insult to injury my contract expires in March of 2021. There is a 50.00 administration fee if you cancel early. I asked because of all of the time spent and the challenges I had working with HSA if this fee could be waived. The rep said she did not have the authority to do that. I asked to talk to a manager or supervisor and was told she could request via e-mail that one reach out to me within 24-48 hours.

        On 8-16-20 I have yet to hear from anyone. There is absolutely no way I can recommend this company. It's obvious they do not have enough employees manning the phones, the scripted response only makes the situation worse, the time it takes to resolve an issue is far from timely. Save yourself a lot of time and frustration and do not contract with HSA. Please note HSA is a subsidiary of American Home Shield. Do not be fooled by this.

        7 people found this review helpful
        Rated with 1 star
        Verified Reviewer
        Original review: Aug. 12, 2020

        The customer service is horrible and they will waste hours of your time. They do not vet the contractors they provide. Waited on hold almost 20 minutes where the call was then transferred to another department where I waited another 20 minutes until the call was dropped. Have to now recall and wait another 20 minutes to start the process over. They hire the cheapest contractors to fix the work. I am trying to get a roof fixed, they sent a contractor who stated he fixed it. The next day it started leaking worse as he just rerouted the leak to another area.

        I followed up with another service and he then stated he does not work on metal roofs and couldn't fix it. He stated to call HSA, HSA then sent my request back to him to fix. So I now have to spend another hour on the phone. Their operators do not know how to resolve request and there are not online tools to fix it. I also paid HSA a service charge to send a contractor who wasn't qualified and didn't fix it, and now have to pay another service charge for have it attempted again.

        6 people found this review helpful

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