Expert HSA Home Warranty Review 2019

Read expert review of HSA Home Warranty. Find the Top 10 Home Warranty services for your needs with detailed reviews and comparison

Overview

Whether you're looking to sell or protect your new home or are simply a homeowner looking to save yourself money on costly home repairs, Home Security America (HSA) provides flexible and reliable protection for home systems and appliances. HSA offers a basic plan, upgraded coverage, and optional add-ons. Since 1984, HSA Home Warranty (the HSA stands for Home Security of America) has been offering consumers this protective form of insurance – not at the lowest cost necessarily, but with a focus on quality and service. Learn more about what HSA Home Warranty specifically has to offer in our comprehensive HSA Home Warranty review.

 

Packages

There’s no base package to detail from HSA Home Warranty. Their coverage options can vary considerably from state to state. You are able to review the packages and plans that are available on a per-state basis by using the tools on their website.

For example, we can say that Pennsylvania residents can choose from a Basic plan with either a $75 or $100 trade call fee, that covers toilets, plumbing, water, gas, drain lines, water heater and associated system elements, electrical, attic and vent fans, garage door openers, garbage disposal systems, fridge and freezers, oven, microwave, lighting, and more.

There’s also a “7 Star Upgrade” option which adds several additional categories of coverage. Heating and cooling system coverage is also available from HSA Home Warranty, as an add-on option for an additional fee. There are 8 other options for add-on coverage as well. Just remember, these options vary by state, and may not be available in all states.  

 

Terms of Service

As mentioned above, the exact terms of the plans available vary on a state-by-state basis at HSA Home Warranty. However, in most of the states we reviewed where service is available, HSA Home Warranty plans come with either a $75 or $100 trade call fee. This is fairly standard within the home warranty industry.

What this means is that when consumers have an issue with a covered appliance or system, they simply contact HSA Home Warranty. They will then have one of their approved service providers contact the customer, and arrange an appointment. The service provider will diagnose and repair the problem, or replace the appliance. In most cases, the only cost to the consumer (aside from the monthly or annual premium for the warranty) is the trade call fee.

 

Customer Support

Unlike many services, where you might only consider customer support or help as a minor factor in your buying decision, with a home warranty service, you will always need to be in contact with customer support. This can be extremely beneficial to you, it enables you to contact them when you have a problem with a covered item in your home, and they handle arranging a qualified service provider/contractor to get in touch with you and set up an appointment ASAP.  

HSA has an all-US-based team of customer service agents. There’s a simple toll-free phone number that consumers need to call for service (1-800-367-1448). They also have an easy-to-use digital portal that customers can use to request a repair service.

 

Plans and Pricing

The pricing and plan details offered by HSA Home Warranty also vary considerably by state.  As stated earlier, the trade call fee is usually $75 or $100 across the multiple states and plans we reviewed.  

In terms of the plan costs, the Basic plan is typically $400-$500 on average, with the 7 Star Upgrade available for around $150. The upgrade covers all the Basic plan options (at least in the Pennsylvania example we reviewed), as well as heating/cooling, toilets, faucets and fixtures, smoke alarms, garage door openers, various additional components for kitchen items, coverage for additional fees for code violations, home system modifications, and similar as part of the buyer’s home purchase, as well as removal service for any replaced equipment.  

Add-on coverage items are available at rates of $50 to $200 depending on which system/appliance add-ons are under consideration. Of course, pricing is subject to change. The latest information on pricing and coverage for HSA Home Warranty can always be found on their website or obtained by calling a representative.  

 

The Bottom Line

The final word on our HSA Home Warranty review is that they’re definitely a company you should consider when choosing a home warranty company.  While service is not available in every state the way it is with some companies, the services they do offer in the states they operate in is quite extensive. Prices are reasonable, especially given their focus on positive customer experiences, an all-US-based staff, and a reliable network of service affiliates.

We recommend that you check out the details for yourself on the HSA Home Warranty website, specific to your state, before you make a decision on a provider. By reviewing the different packages and costs based on your requirements, you could save significant amounts on future repairs.

Buyer 7 Star Upgrade, $75 or $100 trade call feeBasic Plan, $100 trade call feeBasic Plan, $75 trade call fee
Water Heater
Air Conditioning
Refrigerator
Oven
Stove/Cooktop
Garbage Disposal
Garage Door Opener
Dishwasher
Electrical System
Emergency Alert Network
Plumbing
Gas
Ductwork
Range
Heating System
Ceiling Fans
Built-In Microwave
Deductible Fee $75.00 $100.00 $75.00

Joe Schwartz | Home Warranty Editor

Our chief content editor, Joe manages a diverse team of content writers. He holds a degree in online communications and his writing has been featured in a wide range of online publications.

Service Phone Number
1-800-367-1448
Pros
  • Flexible coverage
  • Coaching for real estate agents
  • 30+ years in business
Cons
  • Some states not covered
  • Negative customer reviews
Bottom Line
HSA Home Warranty provides protection for home systems and appliances with flexible plans for both buyers and sellers.
Top 5
1
9.9
2
9.1
3
8.9
4
8.9
5
8.5

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