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HSA Home Warranty vs. American Home Protect

Compare coverage, cost and reviews

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Written by Matt Zane
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Edited by Jon Bortin

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Personalized home warranties from multiple providers

HSA Home Warranty and American Home Protect are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.

HSA Home Warranty works better for homeowners who want to customize their coverage. The company offers multiple plan options and more add-on choices, letting you build protection that matches your specific needs.

We recommend American Home Protect for its simple, comprehensive coverage. While AHP's single plan has slightly higher premiums than HSA Home Warranty's starter option, it includes protection for most common household systems and appliances, like washers and dryers.

HSA Home Warranty vs. American Home Protect plans and pricing

Home warranty companies generally offer varying levels of coverage, but how companies separate their plans can be very different. Many companies split up coverage for appliances and systems.

Home warranty plans can be divided into three categories:

  • Appliance plans cover common home appliances, including washers, ovens and refrigerators. Most appliance plans do not cover home electronics, including televisions, but some companies offer electronics coverage for an additional cost.
  • System plans typically include coverage for your home’s plumbing, electrical and HVAC systems.
  • Combo plans cover both systems and appliances, though not all combo plans provide the same level of coverage.
Take a look at what you want your plan to cover. If your appliances are new and covered under a manufacturer’s warranty, you can save money by choosing a plan that only covers your home’s systems.

Pricing for home warranty plans typically depends on your choice of service fee, which is your out-of-pocket cost when filing a claim. Choosing a lower service fee increases the plan's cost. If you don't expect to make many claims, a higher service fee might save you money overall.

Here's a breakdown of the cost of HSA Home Warranty and American Home Protect plans based on the service fee you choose:

HSA Home Warranty pricing

HSA Home Warranty’s two plans have just one service fee option: $100. Additionally, there is no option to pay monthly for an HSA Home Warranty plan — you must pay for a year of coverage upfront.

American Home Protect pricing

American Home Protect offers service fees of $35 or $65. We could not determine the service fee associated with the monthly rate listed below. However, you can get a discount paying for American Home Protect’s coverage annually instead of monthly: $500.00 per year.

*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.

HSA Home Warranty vs. American Home Protect coverage

HSA Home Warranty and American Home Protect both offer a range of plans designed to protect your home's systems and appliances, but there are some notable differences in their coverage options.

HSA Home Warranty offers two combo plans that each offer varying levels of coverage for systems and appliances in your home.

American Home Protect only offers one combo plan that covers your home’s systems and appliances.

HSA Home Warranty vs. American Home Protect add-ons

HSA Home Warranty and American Home Protect also offer additional coverage options. These add-ons allow you to customize your home warranty coverage, ensuring that your plan includes protection for items that may not be included in the standard packages.

HSA Home Warranty add-ons

HSA Home Warranty allows you to include up to 10 add-ons in your coverage. The monthly cost of popular add-ons is listed below:

American Home Protect add-ons

American Home Protect offers seven add-ons for items not covered in its base plans. Here’s how much it costs monthly to cover some of the most common items:

HSA Home Warranty vs. American Home Protect reviews and ratings

We looked at thousands of reviews from real home warranty customers. Here’s what home warranty shoppers care about most:

  • Technicians: Reviewers often mention the quality of a company’s in-network technicians. This typically relates to how quickly and adequately technicians identify and resolve issues with a home’s systems and appliances.
  • Customer service: Being able to reach a representative easily and resolve account issues efficiently are the hallmarks of good customer service. Customer service reviews also frequently mention how knowledgeable and polite the company’s representatives are.
  • Claims handling: Reviews about claims handling usually revolve around two things: speed and convenience. When customers complain about a poor claims process, it often relates to a slow response time for home repairs or a complicated system for submitting claims.
  • Coverage: Reviewers who discuss coverage typically mention how well a home warranty company honors its contract (in the reviewer’s opinion). A denied claim or an unsatisfactory coverage limit frustrates customers and leads to poor reviews.

Below we break down what percentage of HSA Home Warranty and American Home Protect customer reviews over the last year mentioning one these four important factors reflected a happy or satisfied customer. The closer a company is to a 100% satisfaction rate, the better it is in that area.

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