
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
HSA Home Warranty Reviews
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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!

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.
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.

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.

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.

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.

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.
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."

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!!!
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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!
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.

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.
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.
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.

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.
Reviewed Jan. 8, 2025
This was the worst company to deal with!!! Called to say needed a plumber for 2 clogged toilets and not flushing, they sent my request into a plumber called NussBaumer Plumbing and they never called back in 24 hours, I then emailed them and still no response, with 2 not working toilets at the age of 74 this is shameful from this company, I then call HSA and they were no help at all, asked if would reimburse me for the other plumber I will be calling and they said would not pay for it. WELL THEY HAVE MY $100 dollars but I get no help, they better give me my $100 back. Ha ha this will be funny to get back.
Reviewed Jan. 7, 2025
After 9 years of paying this company this company our furnace needed replaced and they refused. They have been giving us the run around for months and now it’s literally freezing outside. They kept sending a non reputable company. Even had a man come and make advances at me while telling me nothing was wrong. When we finally had our own companies come in and do full checks there were many issues and they red-tagged it. Our course we reached back out. They finally sent someone with more knowledge who went back and forth with them stating it needed complete replacement and they refused. They wanted us to fix the motor blower then they would recheck.
No company will touch it because with cracks in it and other issues it would release carbon monoxide in the air. This company was fine with my family dying to save money. Please do not trust them or be naive like us. You are better saving all the money you give them monthly and you can pay for your own repairs. I will not be letting this go and if you would like to please reach out to me.
Reviewed Dec. 31, 2024
We have had HSA Home Warranty for over 16 years now and we have not had any issues until this year. They do not want to cover our stand-alone hot tub because the contract we have under additional options is "spa", not hot tub. But nowhere in the contract does it say "spa". On the phone with them for over 2 hours just going back and forth with them saying the hot tub is not covered. Finally talked to the escalation dept and they determined that the hot tub is covered (under the option "spa") and they'll put in a service request. Why? because I wanted to cancel my contract and go with another company. Still going to cancel because I don't want to go through this every time I call for service. I wouldn't even give this company one star.... possibly a minus star.
Reviewed Dec. 24, 2024
Called when we first closed on the house to rekey and they could not find a contractor. Had to do it at my own expense. Called a week later for a water heater that did not work and I am still waiting for a plumber. It has been a week. I call everyday and they will not transfer you to a supervisor nor will they authorize anybody else to fix it. So, I wait in limbo with cold water in order to get the water heater repaired.
When I asked how long they keep trying for a repair person, she could not answer. Her response was they are still trying. I could pick up the phone and get a plumber out today, yet they are still trying after a week??!! I am beginning to think this company has no real contractors that are willing to fix anything, and they just put you off until you finally give up. Customer service is poor, follow up is poor, repair service is non-existent. There is no transparency with the status of your claim. Do NOT purchase a warranty from them. You will be disappointed.
Reviewed Dec. 20, 2024
Kitchen sink was clogged, they sent (NUSSBAUMER PLUMBING) to snake it but couldn't get it done and didn't know why. They recommended going to the basement and cut pipes to snake it from there. They said, they will call back with estimate but never did. As a good owner should do, I called a local plumbing company and they came and snaked it and knew the issue (grease trapped) had the right tools to take care of it. In short, the local plumbing company got the job done. Of course I paid for this out of pocket and it is disappointing that HSA Home Warranty was worthless when I needed them because they sent incompetent plumbing company.
HSA Home Warranty Company Information
- Company Name:
- HSA Home Warranty
- Website:
- www.onlinehsa.com
