HSA Home Warranty

HSA Home Warranty

 1.2/5 (252 reviews)

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Overall Rating1.2 out of 5
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About HSA Home Warranty

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.

    Pros & Cons


    • Easy quote process
    • Helpful online resources
    • Affordable options


    • Limited availability

    Bottom Line

    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.

    Top HSA Home Warranty Reviews

    Rated with 5 stars

    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...

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    Rated with 5 stars

    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 ...

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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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    • Rated with 5 stars
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    • Rated with 1 star

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    Page 1 Reviews 0 - 10
    Rated with 1 star
    Verified Reviewer
    Original review: May 21, 2023

    HORRIBLE CUSTOMER SERVICE!!!! I WOULD GIVE THEM NEGATIVE 8 on a scale of 1-10!!!! I have been waiting on an A/C compressor for 13 days. The initial impression was good, but once they realized they had to replace my A/C Compressor, they drug their feet in getting the parts ordered and "messed up on the Purchase Order" of the compressor. Originally, they sent the contractor out right away, which was great w/ a quick to diagnosis of the issue and ordering of the parts. However, HSA did not order the parts correctly!!!! I was told 3-5 days the first time I called....Then 5-7 working days....I called again and there is no record of the order....I got told "Oh..there is a problem...The parts were not ordered correctly....It will be another 3-5 days!.

    Contacted the Supervisor, and she confirmed another 3-5 days. Requested some kind of concession, e.g., the original $75 Service call fee to be refunded, for their mistake, but she did not concede. She just kept repeating it will be another 3-5 days due to their mistake. On another note, it is difficult to understand the people they hire to answer the phones. RECOMMEND NOT USING THIS COMPANY!!!! STAY AWAY!!!!

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 2, 2022

    There is absolutely no point in buying a HSA policy. You are making a donation to the company when you buy one. I am dealing with them on a covered repair - ac compressor replacement - and they are offering to pay for less than 1/3 the repair cost. Literally pointless if they won't pay out when the time comes. You should save the money and pay for any repairs yourself, because they are going to take your money and keep it, not paying out.

    5 people found this review helpful

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      Rated with 1 star
      Verified Reviewer
      Original review: June 10, 2022

      Called for service/replace. We had to call back several times to finalize an appointment. When the tech finally came, he refused to fix the unit and was going to suggest replacement. They forgot to file a report with HSA. Had to resubmit ticket. They, maybe out of spite, they reported that we damaged the unit. We didn't, of course. The coil fins were damaged before we moved in. The service tech should have, at least, refilled the coolant to get us working until a replacement could be made. The tech should have also known that the home warranty wouldn't have covered that damage. They lied to us and HSA wouldn't compromise. Waste of money. You are better off taking the money and setting it aside to use for the repairs later.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: April 29, 2022

      This HSA warranty is absolutely pointless. I had mice living in my refrigerator and had to replace it and the warranty did not apply nor aid in my endeavors. My water heater and boiler is 25+ years old not hot and has leaked to a point that the entire sheetrock needs to be replaced in addition to the heating units. Yet this HSA warranty will not fund the minimal $500 of its value as I conduct all this work. I have now paid an additional $100 to get a tech out only to find out I am not covered for anything through this HSA warranty. HSA is a scam.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Feb. 8, 2022

      Customer service outsourced to agents with no authority. Only provides 1 awful contractor for EVERYTHING! 2 90yr old men that did horrible work! Refuse to provide another contractor! I was never allowed to speak with a supervisor! I refused to use the same contractor again and so I was just ignored!! Do not choose this warranty!! Will also be reporting to BBB!

      7 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Dec. 21, 2021

      When we bought our house over 3 years ago and the Realtor sold us this home warranty. We have renewed it every year for around $1300 a year. Our Dishwasher stopped working in August and we turned in a claim. They sent a repair man out and the repair man said it was the motherboard, he ordered the parts and came back to fix it the following week. The dishwasher worked for 2 weeks and did the same thing where it was making noise then just stopped working again. HSA sent the same repair man out and he said he doesn't know what is wrong with it and marked it unrepairable.

      HSA then told us that we must have had a power surge and denied the claim. We told them that there was no way we had a power surge 2 times and only the dishwasher was affected and they said that it couldn't be anything else. We argued with them but they would not approve the claim for a new one. We canceled the contract with them and bought a new dishwasher. The installer tested the electric and said the problem was not a power surge. So basically we paid $1300 every year for 3 years and that warranty never covered anything. So over 3 years we paid HSA $3900 and they couldn't even replace a $1000 dishwasher. Shame on you HSA Home Warranty for taking advantage of your customers!!! Shame on YOU!

      7 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Dec. 20, 2021

      My washing machine broke two and a half months ago and since I pay extra for washer/dryer maintenance, I wasn't worried. However, HSA really couldn't be handling this any more poorly. They initially sent out one contractor who assessed the problem and requested parts. It seems HSA didn't want to pay for what was needed, so they canceled the first contractor and hired a second, requiring me to take a second day off of work to meet them during business hours. This company simply asked me what the first company said and didn't even look at my machine. They also requested that parts were ordered.

      Fast forward 6 weeks and no one - no the contractor, not HSA, not eBay where the parts were ordered from - knows where these parts are. I call HSA, get put on hold for over an hour only to be told they have no information and will look into it and to call them back in 24-48 hours. I do so, only to be told the exact same thing. This has gone on for another month now, calling every other day and wasting over an hour every time. I have requested that they simply reorder the part, cash me out for the cost of the part, hire an additional contractor, ANYTHING. They are simply refusing to be helpful. For $550/year, I absolutely expect that the problem be resolved in a more reasonable timeframe. I wish I had never bought the warranty - it would have been faster to order the parts and learn to install them myself. Probably cheaper too.

      4 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Dec. 17, 2021

      My heating system stopped working in one zone. Called them on Sunday night. It was -5F in my city. They could not get someone out for 3 days. And wouldn’t let me call someone on my own for 3 days. Which led to frozen pipes. They finally let me call a non contracted company out and talked to the company about the repairs that needed to be done. I paid for everything upfront. Now they are denying any coverage on the repairs, stating I didn’t have the company call them, which is not true! HSA won’t call me back or talk to me about this. I have proof it was approved and an obvious witness, the company person themselves. Stay far away from this company. Bad news.

      5 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Nov. 8, 2021

      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.. Worst warranty company ever! If I don't get an attorney or just buy a new one myself...I'm sure I'll never get a new refrigerator from them.

      6 people found this review helpful
      Rated with 1 star
      Verified Reviewer
      Original review: Nov. 2, 2021

      Terrible company with horrendous customer service. I submit a work request for my boiler (which is covered), they couldn’t find a contractor, they cancel the work request, - without ever telling me. This happened multiple times. I have now spent two full days on the phone with agents who don’t speak English nor do they have the expertise to help. I’ve been without heat for 48 hours and my house is in the low 40s. All the while they are taking their sweet time deciding what they want and don’t want to cover. They told me to find my own contractor since they couldn’t find one and when I finally got someone out here, they said they wouldn’t cover it. Even though it was a boiler-related problem. Oh, and they left me with a $100 charge that an agent said I would NOT receive. No work done, they didn’t pay a penny AND I got charged a fee. DO NOT USE HSA Warranty.

      7 people found this review helpful

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