HSA Home Warranty Reviews

You never know when one of your appliances or home systems is going to break down or wear out. When that happens, you could be saddled with an expensive repair or replacement bill. Rather than leaving yourself open to unexpected costs for repairs and replacements, consider protecting yourself with a home warranty plan from HSA Home Warranty.

Not only does HSA Home Warranty offer plans for homeowners, but they are also available to home sellers and real estate professionals. A home warranty plan can add value for a home buyer, and any one of HSA Home Warranty’s plan options would be an excellent choice.

What Does HSA Home Warranty Have to Offer?

• Customizable plan options. HSA Home Warranty offers a basic plan for buyers and sellers with over a dozen options for add-ons and upgrades. This allows customers to create a custom plan that suits their needs perfectly.
• No home inspection required. While some companies require a home inspection, HSA Home Warranty does not. Keep in mind, however, that all appliances and systems must be in working order and adequately maintained to be eligible for coverage.
• A Large network of qualified contractors. When something in your home breaks down or wears out, you want to know that you have access to a contractor who can fix it. An HSA Home Warranty plan comes with access to a vast network of qualified, professional contractors.
• A dedicated team of customer service reps. Not only does HSA Home Warranty make an effort to meet their customers’ needs through multiple plan options, but they also take customer service very seriously. This company has dedicated customer service reps ready and waiting to take your call 24 hours a day, 7 days a week, 365 days a year at 1-800-367-14487.
• Request service online. When you purchase a plan from HSA Home Warranty, you have the option to request service by phone or online. To request services online, all you need is your account phone number, contract number, or street address.

Costs and Plan Options

HSA Home Warranty offers their customers a single plan that is slightly different for home buyers than home sellers. The Basic Plan also includes optional coverage add-ons for buyers and sellers. HSA also offers the Buyer 7 Star Upgrade package for home buyers. Optional coverage for other appliances and systems that are not covered by the Basic Plan is provided on a per-appliance or per-system basis unless you purchase the Buyer 7 Star Upgrade package. Below you will find a comprehensive list of what is covered under each plan.

Basic Plan (Seller)

• Central Heat, Central Air, Thermostat (optional, $60)
• Ductwork and attached humidifier
• Failures due to lack of maintenance
• Failures due to rust and corrosion
• Water Heater, Instant Hot Water Dispenser
• Water Heater Sediment
• Plumbing Parts, Primary Sump Pump
• Routing of Drain Line Stoppages
• Water, Gas, Drain and Waste Lines
• Polybutylene Leaks
• Toilet Tank, Bowl, Wax Ring Seals
• Whirlpool Bathtub
• Electrical System
• Garage Door Opener
• Ceiling Fans, Interior Attic and Exhaust Fans
• Oven, Stovetop, Range, Built-In Microwave
• Trash Compactor, Dishwasher, Garbage Disposal

Basic Plan Cost: The total cost for the Basic Plan for home sellers is $420 with a $75 per claim deductible or $390 with a $100 per claim deductible. Payment can be made by fax, mail, or phone.

Basic Plan (Buyer)

• Central Heat, Central Air, Thermostat (optional, $60)
• Ductwork and attached humidifier
• Failures due to lack of maintenance
• Failures due to rust and corrosion
• Water Heater, Instant Hot Water Dispenser
• Water Heater Sediment
• Plumbing Parts, Primary Sump Pump
• Routing of Drain Line Stoppages
• Water, Gas, Drain and Waste Lines
• Polybutylene Leaks
• Toilet Tank, Bowl, Wax Ring Seals
• Whirlpool Bathtub
• Electrical System
• Garage Door Opener
• Ceiling Fans, Interior Attic and Exhaust Fans
• Oven, Stovetop, Range, Built-In Microwave
• Trash Compactor, Dishwasher, Garbage Disposal
• Lighting Fixture and Central Vacuum
• Burglar Alarms, Fire Alarms, Doorbell
• Refrigerator and Clothes Washer/Dryer

Basic Plan Cost: The total cost for the Basic Plan for home buyers is $420 with a $75 per claim deductible or $390 with a $100 per claim deductible. Payment can be made by fax, mail, or phone.

Optional Coverage Add-Ons for Buyers:

• Water Softener ($40)
• Water Well Pump ($45)
• Septic System ($45)
• Electronic Air Cleaner ($40)
• Home Freezer ($30)
• Roof Leaks ($45)
• Hot Tub ($150)
• Swimming Pool ($150)
• Pool/Hot Tub Combination ($175)

Buyer 7 Star Upgrade Package Add-On (Costs $149)

• Crane charges for rooftop AC/heating replacement
• Central heat and air, including parts
• Central air; refrigerant recovery and window/wall AC
• Toilets replaced with like quality
• Faucets and shower heads
• Smoke alarms
• Garage door opener
• Refrigerator: refrigerant recovery, ice maker
• Track compactor lock/key assembly, bucket
• Dishwasher racks, baskets & rollers
• Built-in microwave lining, door, clock, shelves
• Oven/range interior lining and parts
• $250 toward code violations
• $500 toward modifications on central heat/AC
• Permits up to $250 per occurrence
• Removal/disposal of equipment
• Mismatched heating and/or AC system
• Improper installation/repair

In addition to the cost of your HSA Home Warranty plan, you will also be responsible for paying a $75 or $100 trade service call fee per claim. You will be required to pay this fee regardless of whether the claim is granted in part or whole.

Contracts and Restrictions

To view a copy of HSA Home Warranty ‘s contact agreement, click HERE.

For properties not involved in a real estate transaction, coverage begins 15 days after payment is received by HAS. The contract remains in effect for 12 months after the effective date.

HAS will provide home protection coverage as long as the parts are located within the interior of the primary foundation of the home, are correctly installed, become inoperative due to normal wear and tear, and are in “proper working order” on the effective date of the contract.

You will be responsible for a trade call fee or deductible of $75 or $100 for each trade call. The amount of this fee is determined by the product available in your area, and it applies to all approved costs, including service call charges. If multiple visits are required, you will not be charged an additional deductible.

The warranty is non-cancelable by either party except for non-payment, fraud or material misrepresentation, or expiration. The warranty is renewable by mutual consent at prevailing rates for an additional 12-month period. Should the contract be canceled, an allowable administration fee may be charged upon cancellation.

Customer Satisfaction

HSA Home Warranty does their best to meet the home warranty needs of homeowners, home buyers, home sellers, and real estate agents. Customers can speak to a Customer Service Agent by phone 24 hours a day, 7 days a week and you can submit yours by fax or by phone. You will be required to pay a service fee or deductible per service call.

The Better Business Bureau accredited HSA Home Warranty in 2002, giving is a B rating on a scale of A+ to F.  On the BBB website you can find reviews (both positive and negative) for this company.

When you compare HSA Home Warranty to some of its competitors, you will find some advantages as well as some drawbacks. The main advantage HSA Home Warranty offers their customers is an option to choose from multiple plans optional add-ons. It is also worth noting that you will not have to pay additional service fees for issues that require multiple visits. As far as disadvantages go, however, the amount of your service fee may be higher than some company’s charge depending on where you live.

If you have further questions about HSA Home Warranty, their plans, or their service agreement, call toll-free at 1-800-367-14487 to speak to a Customer Service representative.

The Bottom Line

Overall, HSA Home Warranty is an excellent choice if you are looking for a way to protect yourself against unexpected costs for repairs or replacements to your appliances or home systems. With multiple plan options, you can choose the one that best suits your needs, and you can pay for additional coverage if you want. Whether you are a homeowner, home buyer, home seller, or real estate agent, a warranty plan from HSA Home Warranty would be a wise investment.