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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

Loading Reviews ...
bobbi.kloss
12/22/2021
Deceptive practice - so HSA has been repairing a wall heater for a 1000 sq. ft room since i purchased my home r 5 years and now that the contractor says no more repairs will help it needs to be replaced, HSA is trying to say that this is not covered item. Hard to make me understand this since they have covered it for 5 years and it is listed as a coverable item on the contract. This has been going on since 12/9 and it is now 12/22 and 28 degrees. They just want to call another contractor out to tell them the same thing and i have had to force them to escalate it internally. Now need to wait another 24-48 hours for this escalation to occur. If i pay for replacement myself they will not... Read More


M
Mike L
12/13/2021
I recommend you steer clear of HSA's deceptive practices, and failure to follow through at every conceivable turn. I've had two issues come up during my 4 year relationship with them, and have been ignored and stalled for weeks both times, only to find out there is some excuse not to cover the claim after all that waiting... My family was left without power in December's freezing weather for 3 weeks, calling both them and the contractor daily, only to told I'd have to pay for EVERYTHING out of pocket due to "extenuating circumstances". PLEASE steer clear of this sham of a home coverage company, and save yourself the stress, heartache, and frustration of paying $72 a month, to never be... Read More


favorwjireh
11/29/2021
Our heater exchange went out on our gas furnace. The part is no longer made, the factory will have to make one. This process is 2 to 4 months. I live in Ohio with nights going into the 20's. HSA refuses to replace our furnace regardless of the contractors recommendation. Every time I call them they lie, the lies have stacked up to an overload pile of crap.


andrewintheworld
11/10/2021
You get promised call-backs, and nobody calls. Site visits, and nobody shows. Service appointments, and nobody comes. This isn't even a knock on the budget vendors they chose... trying to work with HSA itself is a disaster. It takes multiple calls to get even simple issues addressed. In short, working with this company is a non-stop headache. Save yourself the pain and look elsewhere.


koski639
11/5/2021
This might be the worst Warrant company on the planet. Spent 30 days with no hot water heater and no one handling the problem so I ended up doing it myself. Now AC went out, contractor came mentioned I need a new AC compressor. I see my case was closed but it's not fixed. I guess we pay our $100 service call and no one takes care of the issues. Looks like I am on my own again.


D
Doug
11/3/2021
When we bought our home back in 2015 the previous owners included a HSA Home Warranty for a year. Every year since then we're renewed the warranty and have had to use it several times for the microwave range and dishwasher. Each time the problem was resolved in a matter of weeks. This brings us to July 10, 2021. We returned home from vacation to discover our Air Conditioner wasn't working. I called HSA and requested an appointment for AC repair. An AC tech was out to the house three days later and determined that the blower motor needed replaced. A few weeks go by and I call HSA for an update. I'm told the motor is scheduled to arrive to the tech on August 25th. A week after the... Read More


M
MIchelle
10/12/2021
I have made 5 separate calls within a month of filing my first claim for service to have someone look at a roof leak. The number of their contacting companies phone number is no longer in service. Each time I call HSA, I'm on hold for over 30 minutes while they work to get resolved and have a contractor contact me. They've already deducted the fee but still no contractor and my roof still leaking.


E
ecstieg
10/7/2021
Totally useless. Tried to schedule service because our water heater is currently leaking water all over our finished lower level. Customer service representative is unable to understand that it is an emergency. Only 4 local vendors and none available for over 24 hours.


S
scot w
10/6/2021
SCAM!!!!! We have made 5 claims under this warranty and all 5 were denied. The glass on our oven door broke (age). We were told that since the oven still worked (i.e. got hot) it was not covered. The pipe that connects our plumbing to the septic system broke and caused a back up. I cleaned up the mess and just wanted them to fix the broken pipe. I figured no problem since we had purchased additional coverage for the septic system, including piping. Their response was that the break occured 'outside' the walls of the home so it wasn't covered. I've never heard of a septic system inside the house. Our refigerator has a drawer for drinks. It stopped working but the rest of the... Read More


keithbuzzelli
9/16/2021
When will this company be investigated?!?! The horror stories you read below are true. It's an absolute nightmare dealing with this company.



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