HSA Home Warranty Review (2018)

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HSA Home Warranty

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HSA Home Warranty has mixed reviews when it comes to their home warranty service versus competitors. What some folks love about HSA is their repair staff and reimbursements, but others have had horror stories. Those that have had less exemplary experiences describe really long hold times, sometimes slow repair times, and issues with coverage. If you are considering HSA, make sure to read the contract in its entirety so you can be prepared when you have to make a claim.

Home Warranty Scores

Overall Score: 8.4/10

Customer Satisfaction: 8.2/10

Prompt Service: 7.9/10

Repair / Replace Quality: 8.7/10

Price Range: $590-$620

Deductible: $75-$100

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Company Details

HSA Home Warranty is a subsidiary of American Home Shield, and was acquired in 2004. Its main selling point for years has been its midwestern based employees that have put a friendly spin on the brand. While American Home Shield has kept products separate and this business an independent unit, many have experienced better service with the American Home Shield brand over the years so migrating to that service may be a good call for you.

HSA Home Warranty
HeadquartersCross Plains, WI
States ServedKS, ND, MN, IO, MO, IL, WI, MI, IN, TN, GA, SC, NC, VA, OH, PA, NJ, DE, MD, AK and DC
BBB RatingB
Employees~201-500

Product Details

HSA Home Warranty is only available in select states since its acquisition. For those that are in a covered state, there are some differences in coverage, specific to your area. Make sure to review your contract before signing to make sure that it is what you expect. Below, find the options as they are for many covered states:

PlanCoverage Items
Basic Plan (Seller)
  • water heater and instant water dispenser
  • water / gas / drain / waste lines
  • routing of drain and waste lines
  • toilet tank / bowl
  • plumbing parts
  • sump pump
  • whirlpool bathtub
  • electrical system
  • garage door openers
  • attic fans
  • exhaust fans
  • ceiling fans
  • oven/stove/range
  • built-in microwave
  • dishwasher
  • trash compactor
  • garbage disposal
  • failures due to sediment
  • failures due to maintenance
  • washer/dryer

(Central heat and ductwork avail. for extra fee)
Basic Plan (Buyer)All in seller plan and:
  • refrigerator (including ice/beverage dispenser)
  • door bell and central vacuum
  • burglar alarm & fire alarm
  • roof leaks
Buyer 7 Star Upgrade
  • crane charges for roof top A/C or heating
  • 17 additional coverages for common exclusions
Optional Coverage
  • electric air cleaner
  • water well pump/septic system
  • water softener
  • home freezer
  • free standing ice maker/winer chiller
  • hot tub
  • swimming pool
  • pool/hot tub combination

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Exclusions:

  • Please review your contract: HSA is not clear about exclusions except on contracts.
  • Per unit/state exclusions -- please read contract.

Ease of Making Claims

People describe the claim request process as being efficient and painless for most customers. Some that describe having the same issues with the same appliance or system oftentimes find it harder to get repeat fixes and get in contact with the right supervisor to help make sense of the complex situation.

Positives

  • Online claim portal is easy and available for most issues

Negatives

  • Some had long hold times on the phone.
  • There was difficulty getting reconcilation on repeated issues or issues where there were a lot of components.
  • Escalating issues can be difficult.

Repairs & Replacements

Most customers are able to quickly get the right services from the providers for common and small issues that arise. But some others had issues with things like: repeatable breakages, service people that did not show up, and service providers that didn't fix the issues the first time.

Realtor Tools & Plans

Realtors have access to the same plans as home owners do. Realtors are able to select and sign up for their warranties online, which is a nice benefit, but there have been some complaints about the online interface. Some have had issues with the website and whether all of the features are updated. Because of HSA's status as a subsidiary of another home warranty company, there are many reasons to potentially move over your services to AHS.

HSA Home Warranty vs. Other Top Home Warranties

HSA vs. American Home Shield

All of the benefits of the HSA in the past have been combined into American Home Shield's usability, better customer reviews, and simplicity when it comes to selecting a custom plan that should work for you. This is one of the reasons why we recommend rolling over your HSA warranty into AHS because the service is much better and plans more competitive.

HSA vs. First American Home Warranty

HSA's coverage space has dwindled over the years compared to First American. First American has a lot of benefits including an updated online portal that is user friendly. That said, there are some similar complaints when it comes to getting service for either HSA and First American. First American, however, beats on average price.

HSA vs. Choice Home Warranty

Choice Home Warranty has a more user friendly and up-to-date online experience for customers, which also is streamlined through customers' experiences dealing with the company. Prices are also much less pricey than HSA.

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Browse Reviews From These Home Warranty Companies

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9.8/10

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6.8/10

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Old Republic Home Warranty
6.8/10

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Cross Country Home Services
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Assurant Solutions
6.6/10

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General Home Warranty
6.6/10

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365 Home Warranty
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Residential Warranty Services
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Septic Maxx
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Disclaimer

Finding the right home service plan in an ocean of online reviews can be a tedious task. This site's purpose is to provide a detailed account of available home service plans in the US. The scores here are based on aggregated reviews from other sources across the Internet and although we have tried only to find trustworthy reviews, the scores may be affected if outside sites do a poor job mitigating fake reviews.

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Home Warranty Score: 8.4 / 10 from 50 Ratings