HSA Home Warranty

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HSA Home Warranty Review

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.

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24 Reviews for “HSA Home Warranty”

  1. Thomas

    HSA Home Warranty has poor customer service, doesn’t cover enough, and uses lower-end contractors and materials on home repair jobs, even under their premium plan. The company’s guiding principle appears to be to avoid paying. We’ve wasted hours on the phone with them for even the simplest, most obvious request. Their call center agents are not fast, efficient, knowledgeable or helpful. One person will tell you something, then another person will contradict it later, and there is no traceability or accountability when this happens; it wastes a lot of time and is very frustrating. You can never escalate to a supervisor or manager. Several times they told us a supervisor or manager would call us back, and that NEVER happened. They don’t cover many common, routine repairs that you might presume they would cover, so read the contract carefully and understand up-front that if a gray area arises they will not pay. They get in with real estate companies like Howard Hanna, who use HSA as a way to streamline the home buying process for the benefit of THEMSELVES (i.e., they can tell you not to worry about this or that potential problem with the house because of the warranty). This is a gimmick, and I think in the long run it reflects negatively on Howard Hanna’s reputation as well.

    Posted on January 7, 2021
  2. Casey Orton

    If I could leave a lower score I would, Customer service is ridiculous, I have been hung up on multiple times whenever I ask for a supervisor, None of the contractors work anything but Monday-Friday 9-4 so if you work like the rest of the planet their suggestion is to leave your door unlocked all day and they “Promise” nothing bad will happen, When I asked what happens if stuff comes up missing from my house they said “We are not responsible for that because you left your door unlocked”. Was also told that they couldn’t get someone out to fix my furnace for 4 days and it was -15 degrees outside, Had to call a regular heating company and they showed up in 45 min and had me up and running in an hour. PLEASE save your money and do business with another company!!!!

    Posted on January 24, 2019
  3. JG

    The sellers paid for a one year warranty. As soon as we moved in we realized we did not have hot water, always warm but not hot like it should be. I tested the elements and T-stats myself they were good. Contacted HSA – the company they sent…worthless, didn’t even know their way around a hot water tank and did nothing to fix my problem. I was out the $75 and still no hot water. HSA would not allow me to call my contractor choice. I had to pay out of pocket to find out the cold water inlet was defective and had to pay myself for tank replacement. Same for refrigerator and electrical problems….contractors didn’t have parts on truck to fix the problem. Seems as if HSA contracts the lowest bid to them.

    Posted on December 26, 2018
  4. Janet

    They are horrible, have been trying to get a refund on a septic pump since May 2018. After spending hours on hold no one will put me through to a supervisor or give me a number. They just hang up so I can call and wait on line again for several more hours. Horrible company!

    Posted on November 16, 2018
  5. Ginneen Hinds

    Service request for refrigerator was submitted 11/3/2018. Service technician was at my house 11/6/2018. It is now 11/14/2018. I still do not have a refrigerator; I keep calling and am on hold for 30 minutes or more each time I have called. I am over 130 minutes of hold time. I have asked to speak to a supervisor and no one will call me back. All I know is the person is in Nashville, Tennessee. My contract states 48 hours. This is total garbage. I also had an issue with a stoppage that took 4 companies to fix and 4 months.

    Posted on November 14, 2018
  6. jd

    horrid. Customer service didn’t even know what a chimney was. Then when said it’s on the roof and she wanted to know what that was. No the CSR barely spoke English. called back and on hold for 30 minutes when the recording stated approx. 5-10 min. I regret buying this home warranty.

    Posted on May 15, 2018
  7. Kevin Contrera

    This company’s business model is to wear you down with such burdensome customer relations that you are too exhausted to complete the claim and end up just paying for the repair yourself. Without any exaggeration or hyperbole, here is my one year of experiences with the company

    1) A typical service request:
    – Initiate service request: Wait for the contractor to come to your home (Duration: 1-3 weeks depending on the number of no shows)
    – When a contractor finally comes you will need to wait to see if contractor sent the report to HSA—Hint: they don’t (Duration: 1 week)
    – Call HSA so they can leave a message for the contractor to send his report (Duration: 48 hours, which is the time HSA says they are required to wait)
    – Call HSA again so they can again try to reach the contractor for an “HSA policy” second time (Duration: 48 hours)
    – After still no response from the contractor, call HSA again so they can then initiate the “claim investigation department” (Duration: 48 hours)
    – When there is no resolution after a “thorough investigation,” they send out another contractor and the process starts ALL OVER AGAIN. I wish this was a joke.

    2) They take no responsibility for the people they contract with and will outright tell you that they don’t follow up with contractors unless you contact HSA first to request it. Meaning, that each step in the process above will require you to make several calls, each with a hold time of 10-45 min during your work hours

    3) If you ever make it through the steps above, you will encounter they will find more road blocks. Example: Even though my refrigerator is covered in the warranty, they refused to fix a water leak from the fridge stating they don’t cover parts related to the water dispenser. When I explained that the water dispenser is working fine, they said the contractor wrote the water it needed replaced, even though the contractor explicitly told me he was going to just “write something down because he didn’t know what was wrong so they would replace the fridge.” Ultimately, I ended up having to spend a total of five hours on the phone, use a vacation day for the contractor visit, pay the $75 deductible, AND buy a whole new fridge because the water damage it was causing to the kitchen.

    My wife and I our first time home owners and this company was selected by my realtor for “peace of mind” if anything breaks. Please don’t make the same mistake we did. I wouldn’t wish this company on my worst enemy.

    Posted on April 20, 2017
  8. BIg bird

    The home seller provided me with a one year plan with HSA. I needed them for 2 claims in the past year. One was a major plumbing problem and they refused coverage. The second claim was for a pool malfunction and the contractor they provided said he could not submit the repair costs to HSA but still charged the $75 deductible. I am sure all the home warranty companies have their moments of dishonesty but this one appears to be one of the worst.

    Posted on November 20, 2016
  9. Angie

    I have had HSA Home Warranty for 5 years. No real issues and have used them twice for my water heater. However, my monthly cost suddenly almost doubled without warning or notice on my new contract. When I called them they had no idea why it went from $405 to $729. This will be my last year with HSA if tney cannot get my price lowered. Very unethical business practice.

    Posted on July 18, 2016
  10. Stephanie

    Waste of MONEY! I bought this warranty because I moved to a home with a very old hvac set up. What do you know, had an issue with my ac barely working and they determined it was because of rodent damage. Well that is not covered. I also learned that basically there is a list a mile long of things not covered. What is the point of the warranty if they have so many reasons not covered?? wish I could get my money back, but they say I am under a contract so no refunds. NEVER AGAIN.

    Posted on July 6, 2015
  11. Brent Shields

    Stay away from this company. They don’t even answer the phone. All they do is deposit the contract payment in their account. Terrible service.

    Posted on June 16, 2015
  12. nita

    they very good but you have to wait so long for talk to some one about more then 1 hour my phone battery died so i have to wait again so they good but talk to person u have to very very long

    Posted on June 1, 2015
  13. Vikaas Gupta

    Impossible to get through to HSA without a 30 minute wait time. They will also not provide any case/reference # for open issues for customers to reach an HSA agent faster. Most times their “authorized” service vendors do not show-up. HSA will do everything to prevent paying out a claim. Do not waste money by buying their policy … instead use it to pay the servicemen directly if required. An aggravating waste of time.

    Posted on May 27, 2015
  14. BJ


    I paid $1,000 for a 1-year warranty. It was very easy to reach someone to buy the policy. In fact, when I didn’t purchase it right away they called me! They sent me a letter! Because they wanted the sale. After I gave them $1,000 it became nearly impossible to reach anyone to make a claim. You have to hold close to an hour to get a live person some of the time, and even then they will often transfer you to someone else and you start holding all over again. I have now paid more than $1500 out of my pocket for a repair that has still not been completed because THEIR “repair person” claims it is one thing, but the 4 other professionals (all unrelated and from different local companies) said it is something else upon which they all agree. Four neutral opinions agree, the HSA repair person does not. 4 against 1 against HSA but HSA won’t budge, they won’t answer the phone, and you have no other way to reach them than the main number. PLEASE DON’T WASTE YOUR MONEY ON THIS SCAM.

    Posted on May 14, 2015
  15. Linda Wallace

    Had a serious plumbing leak and they sent me to aa contractor who had a F rating by BBB and had been revoked by BBB. They said if I used another contrator even if it was number 2 on THEIR list They would only pay for what the F rated contractor would get. I had damage to my hard wood floors and they said they wouldn’t cover that at all because it was secondary damage. Needless to say I will not be renewing my contract with them

    Posted on December 11, 2014
  16. Beware

    HSA Warranty Protection has been nothing but pure headaches for me since I moved into my home in July 2014. Excuses, no follow-up with vendors, representatives are clueless and oftentimes do not make notes of phone calls. I have been waiting since the day before Thanksgiving to have a bathroom sink repaired….and on a recall no less. Unbelievable! 12 days and still counting after excuse after excuse. I will really be relieved when the contract is over. Pros: I have a contract. Cons: the contract is virtually worthless because the service is awful.

    Posted on December 8, 2014
  17. Peter D

    Hasd heat issues. We called the company that installed our system. HSA would not approve them. Had little and now no heat in Pittsburgh for over a month ! Now after sending 2 techs that fixed nothing David D (supervisor) is holding to the position that we used our $1500 allowance per issue anything else denied. This was spent on people THEY sent that fixed Nothing !WE STILL HAVE NO HEAT OR HOT WATER FOR OVER A MONTH !!!

    Posted on November 24, 2014
  18. Richard

    They have horrible service and DO NOT pay their claims

    Posted on October 7, 2014
  19. Maggie

    Do NOT use HSA. Their customer service is horrible. Every time I had to wait for 30 min or more to talk with a representative. When they promised to call you back on a day, they usually didn’t. When they did call, they called from a number my phone didn’t recognize and you’d better pick up the phone in the first second- the phone rang just for one second then hang up and they didn’t leave a message and they considered this as “I’ve called you.”

    They did everything to not pay out legit claims. After numerous calls and week long wait without AC in the summer, I was offered less than 10% of the cost of replacing my failing AC, which HSA agreed is not reparable.

    Posted on August 4, 2014
  20. S Caba

    Horrendous company. Lousy customer service, I had a complete breakdown of my HVAC where it had to be replaced (after repeated patch jobs by hsa’s tech’s). That was on May 9th. Here in the South, the temperature had already begun climbing into the 90’s & I couldn’t get a straight answer from them. My original contractor LEFT THE COUNTRY on a family emergency, & NO ONE informed me that I was without anyone to complete the job, which by the way was suppose to be an emergency repair. Had I not stayed on top of things, I’d have never known that my claim had been sitting idle! Their own reps had no idea what was going on & they continued to insist that the “parts had been ordered”. They finally assigned another contractor to the claim & then they want the claimant to bombard the contractor with calls when they know that they haven’t paid for the parts (which he hasn’t received to complete the job) so that you won’t bother them. Needless to say, my family & I were without benefit of a/c for well over a month because of their inept handling of the claim. They don’t fail to tell you about the “deductible” though. Then they had the gall to have a sales rep phone me to try to get me to renew my contract before it expires next month!! Seriously?? No one EVER knows what is going on with your claim & there is always someone else at fault for delays, when they haven’t paid the warehouse for the parts needed to complete the job. Mine was paid 5 days before the job was finally done. So the lies they’d been telling about it being shipped to the contractor all along came to light. I waited from May 9th until June 12th. How’s THAT for a “good value & great customer service”??? NOT!!!!

    Posted on June 20, 2014
  21. cpoe

    Good value and nice service. They are there when you need them!

    Posted on May 29, 2014
  22. Not local

    No notes available on my claim when having service provider out for the 3rd time. Did not approve the replacement that the technician recommended- without fridge and freezer for over a week- lost all groceries within, and they suggested finding another appliance company (which I needed to find on my own and pay without guarantee of reimbursement from HSA) if I wanted someone to come back on a Saturday when the fixes failed. What was the point if they are not able to do what you’ve paid them to do? There excuse for not having another company to send out- “we are based out of Wisconsin”

    Posted on April 12, 2014
  23. Stuck in the South

    Don’t bother with HSA. They recently denied my claim for equipment that was installed when the house I purchased was originally built. Their ridiculous justification not only goes directly against the entire reason for having a home warranty but squarely contradicts the policy they, themselves, have written.

    I recommend looking for a more reputable company.

    Posted on February 14, 2014
  24. G-Man

    I have very expensive mechanical systems that are costly to repair and replace. In that case I am able to save on the costs of repairing my electrical appliances and other home appliances. The HAS Home Warranty is a life saver.

    Posted on September 1, 2013