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HSA Home Warranty Review


ConsumersAdvocate.org Rating: 1.1 / 5 (Poor)
192 Customer Comments & Reviews - see all comments
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HSA is a home warranty company based out of Memphis, Tennessee, that provides warranty products, home buying and selling, and other real estate solutions, for both homeowners and realtors. They rely on a wealth of experience, born out of their 40+ years in the industry. They are a BBB-accredited business since 1990, with a B rating.

How is HSA rated?

Breakdown

0.0/5
Transparency
2.5/5
Claims Processing
2.0/5
Coverage Options
0.0/5
Additional Benefits
1.0/5
Customer Experience

Overall Rating: 1.1 / 5 (Poor)

HSA Home Warranty policies cover the warranty industry's standard list of appliances and home systems. Policies are available on an annual basis. Once you pay your premium, your policy is in full effect, with no waiting period or home inspection required. Unfortunately, the company doesn't provide a lot of specifics on the most important aspects of a home warranty policy on its website. They do not describe the variety of plans they offer, the cost of those plans, the benefit limits of their policies, or the deductibles associated with making a claim. HSA may have innovative policies, low deductibles and plan prices, great service partners, or a host of other benefits. You have to request a quote to find out. Speaking of requesting a quote, we also have some concerns about their privacy policy. Once you submit your information to HSA —which you must do to get a quote—the company reserves the right to share your data with marketing affiliates, real estate companies, and other entities with which you might prefer not to share your information.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
$25,000
Typical Appliance Benefit Limit
$300
Typical Systems Benefit Limit
$1,500

Coverage Options - 2 / 5

Thanks to exclusively offering combo or hybrid policies, HSA’s home warranties cover the standard gamut of systems and appliances. Despite their relatively weak specialty item offerings, their term benefit cap of $25,000 is remarkably high. Their appliance cap is $300, and $1,500 for systems.

What does HSA cover?

Covered Built-In Systems

  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Doorbells
  • Ceiling Fans
  • Sump Pump

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-In Trash Compactors
  • Stand Alone Freezer

Specialty Items

  • Pool/Spa

Contract & Price

Contract Details

Annual Premium
Starting at $589
Minimum Contract Length
12 month(s)
Online Quote/Application

Contract & Price - 3 / 5

HSA's starting price of $589 for a 12-month contract, makes them the most expensive base-level option on the market. While an exact quote can be generated via an online calculator, we strongly recommend that potential policyholders thoroughly read all the fine print. Once a policy has been activated it is irreversible, since HSA does not offer any sort of cancellation or money-back policies.

Sample Contract

HSA provides a sample contract for potential customers on its website: HSA Sample Contract

Cancellation Policy

The warranty is non-cancelable by either party except for the following: A. The contract fees are not paid. B. Fraud or misrepresentation of facts material to the issuance of this contract. C. If the contract provides coverage for the seller during the listing period and the listing is withdrawn or expires. Should the contract be cancelable under the laws of the state where the contract holder resides, an allowable administrative fee will be charged upon cancellation. HSA may, at its option, decline to issue any renewal or cancel any contract, if the contract fees are not paid within 10 days of the due date.

Claims & Service

Claims

Service Fee
$75, $100
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
0 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
The nation’s largest network of professional contractors.
Service Recall Period
30 days

Claims Processing - 2.5 / 5

With their claim of “the nation’s largest network of professional contractors”, HSA aims to provide quick, efficient service. Their service fees range between $75-$100, with no waiting period. Their 30-day recall period, as well as not requiring maintenance records, reflect the company’s wish to make their services easily accessible. Under certain circumstances, HSA’s 24/7 claims department may approve the use of a contractor that operates outside of their network.

HSA Reputation

Company Details

Year Founded
1978
Number of Employees
204
BBB Positive Reviews
0
BBB Neutral Reviews
0
BBB Negative Reviews
5
Date Collected
2020-05-27

Reputation - 3 / 5

HSA is not a member of the NHSCA the company isn't rated by the BBB. Their parent company, American Home Shield, however earned a B rating. HSA receives 1 out of 5 stars on TrustPilot, but that is based on a single review and may not be representative of their service.

Contact & Additional Information

Homepage URL
Company Phone
(800) 367-1448
Headquarters Address
1051 N Kirk Rd, Batavia, IL, 60510
Mailing Address
1051 N Kirk Rd, Batavia, IL, 60510
Year Founded
1978

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192 Customer Comments & Reviews

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K
Kat
7/29/2022
I contacted HSA for a ceiling fan that stopped working. The light works but the fan does not. I was told by the electrician that came to look at it that the motor for the fan was burned out and if I wanted to purchase the replacement fan, I had to call HSA and tell them that. So I called HSA and told the rep I wanted to purchase the replacement fan and have the electrician that looked at the fan install the new one (he called it a cash out). I was also told by the HSA rep that I would receive payment from the electrician directly, for a "builders grade" fan and not the full amount that I paid for the new one. When I asked how much that would be the rep said he could not tell me that; that... Read More


hollyannej
7/27/2022
This company is a complete joke. They'll pay for repairs of small things, but as soon as an appliance breaks, they'll have 100 different reasons why they tacked on $700 worth of extra fees, more than the cost of the actual appliance. Our hot water heater went out and they claim the hoses and expansion tank are going to cost $700, which is more than the tank. And if we don't pay that, our payout amount is only $475, which is almost $200 less than the $600 tank they were going to give us. You can't talk to anyone on the phone who will actually listen to you. They keep telling me my policy includes clauses that aren't there and that 'modifications aren't covered' when that isn't... Read More


P
pcunningham1
7/21/2022
Over nearly 7 years with HSA Home Warranty... The good: HSA contractors replaced water heat controller, sump pump & oven convection fan without incident The bad: HSA-contracted plumber "fixed" loose upstairs toilet by putting shims under it, which resulted in leak and water damage to the kitchen ceiling below. Paid out of pocket to fix the damage. Another HSA contractor "fixed" the just-out-of-mfr's-warranty clothes dryer by replacing a defective pulley with a replacement that is *much* noisier than when the dryer was new, and refused to make it right, saying HSA wouldn't pay to fix the noise if the dryer "works". On two separate occasions our central AC stopped working during the... Read More


C
chris
7/17/2022
They are a scam as far as I am concerned. They try to come up with any excuse they can to not cover a repair, or to cover only a small portion of the repair cost. They also have some of the worst customer service. Avoid at all costs.


C
Carla A
6/28/2022
We put in a service request on 6/16 for our AC not cooling.. we are still waiting. My first contractor assigned cancelled. After 3 attempts to reach then I called HSA to find they declined the work and no one else had been assigned. Someone was finally assigned yesterday 6/27 and they cannot come until sometime next week but I'm waiting for a call back because you cannot get a live person on the phone. I also have tried to reach a manager or someone other than a call person in Malaysia that barely speaks English without success. Anyone have a different number??? I am running my AC and window units blowing up my electric bill


L
levi
5/27/2022
This company is awful to work with. Probably the worst customer service I've experienced. I found myself wanting to pay full price for repairs instead of try and go through them.


aariapad
4/21/2022
Terrible at everything. Plumbers couldn't fix a simple leak in the toilet tank. Two months, still waiting for a part that I can get from home depot. Don't waste your money. Useless.


S
Steve K
2/11/2022
Run dont walk from this company. They sell you on the sense of security when you buy your new home. They will not agree to replace the very item that they warranty. They consider a 80 gallon water heater as a commercial water heater and will not warranty it. You wont find that in your contract. RUN RUN RUN RUN and dont look back.


A
Amber P
2/1/2022
We were sold an increased package than what came with our home. We first called on our air conditioner that was working but was leaking and creating a small flood between our furnace and the drain. They came out and ended up breaking the unit. It was then going to cost us over 2000 to fix. We worked with the company and only had to pay an additional 300 which I still dont believe I should have paid due to it working before they came out to service the leak. Which even after replacing STILL LEAKED. As of October we called for our refrigerator. It is leaking into the crisper drawers and freezing to the point you cannot open the drawers. The first technician they assigned came out a total of... Read More


dalet64.dt
1/12/2022
It's the middle of winter in Iowa and my water heater hasn't been working for a week and a half. The plumber came over 2 days after I made my claim, said they'd overnight a part. They didn't order the part until the next day. My wife stayed home from work 2 days in a row waiting for the part. The plumber installed it that day but it didn't fix the issue. He came over 4 more times over the weekend trying to creatively "fix" the issue. He took out the ignition button and left the wire dangling. I brought this all to HSA's attention and they still wouldn't replace the water heater. They expected me to let that guy back into my home to try some more. Needless to say I had to replace the water... Read More



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