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HSA Home Warranty vs. HomeSafe

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 HomeSafe are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.

We recommend HSA Home Warranty to customers looking for the best pricing upfront. Both the basic and premium plans from HSA cost less than similar plans offered by HomeSafe. This makes HSA an especially good choice for homeowners who want comprehensive coverage without the higher price tags of premium providers.

HomeServe is best for homeowners who value flexibility. The company offers lower service fees than most competitors. Customers also have the freedom to choose any licensed technician to perform repairs, a perk not offered by HSA Home Warranty.

HSA Home Warranty vs. HomeSafe 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 HomeSafe 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.

HomeSafe pricing

HomeSafe’s service fee is always $65, so the monthly costs of its plans are also static.

*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. HomeSafe coverage

HSA Home Warranty and HomeSafe 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.

HomeSafe offers three plans with options for appliance coverage, system coverage or a combination of both.

HSA Home Warranty vs. HomeSafe add-ons

HSA Home Warranty and HomeSafe 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:

HomeSafe add-ons

HomeSafe provides seven optional add-ons to customize your coverage. We were unable to get a quote for the monthly pricing of these add-ons, but here's what optional coverage HomeSafe offers:

  • Inground pool or spa
  • Well pump
  • Water softener
  • Septic system
  • Guest unit
  • Guest house
  • Wine room/wine chiller

HSA Home Warranty vs. HomeSafe 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 HomeSafe 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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