Buying or owning a home comes with unexpected repair costs—HSA Home Warranty claims to help ease that burden.
This review breaks down HSA’s coverage, pricing, pros and cons, and how it stacks up against other home warranty companies in 2025.
By the end, you’ll know whether HSA Home Warranty is worth considering and how it compares to top alternatives.
What Is HSA Home Warranty?
HSA Home Warranty is a service contract provider that helps homeowners cover the cost of repairing or replacing major systems and appliances when they break down from normal use. It has worked with homeowners, buyers, sellers, and real estate professionals for decades as a way to reduce the financial stress of unexpected home repairs.
In 2014, American Home Shield acquired the business and now operates as HSA’s parent company. American Home Shield also offers home warranties, but its plans and policies differ from HSA’s.
HSA plans work in a straightforward way. You pay an annual or monthly fee for coverage. When a covered item fails, you submit a claim. HSA then assigns a contractor from its network to diagnose and repair or replace the problem, and you pay a fixed service call fee for each trade visit.
HSA Home Warranty Plans and Coverage
HSA offers several home warranty options that aim to protect the systems and appliances most homeowners rely on every day. Plans are structured so you can choose between essential coverage or more comprehensive protection, with the option to add specialty items for an extra cost.
Available Plans in 2025
HSA Home Warranty has two main coverage tiers for 2025.
- Basic Coverage Plan: Focuses on essential home systems and appliances. This plan is typically chosen by homeowners or sellers who want an affordable way to safeguard against common repair costs without paying for extras.
- Comprehensive Coverage Plan: Includes everything in the basic plan along with additional items and higher payout limits. This plan is better suited for families with older systems or buyers who want broader peace of mind when purchasing a home.
Optional add-ons can be purchased to extend coverage further. These extras may include swimming pool and spa equipment, septic systems, well pumps, roof leak protection, and even home electronics. Not every add-on is offered in every state, so availability can vary depending on your location.
Covered Systems and Appliances
HSA’s core plans cover the systems and appliances that typically cause the highest out-of-pocket repair bills. Coverage generally applies to:
- Heating and air conditioning systems: Furnaces, heat pumps, and central air units
- Plumbing systems: Water lines, stoppages, and common components
- Electrical systems: Wiring, switches, and panels
- Water heaters: Gas or electric units
- Kitchen appliances: Ovens, ranges, cooktops, dishwashers, and built-in microwaves
- Laundry appliances: Clothes washers and dryers in certain plans
Exclusions are important to note. Cosmetic issues, improper installation, and pre-existing conditions are not covered. Manufacturer warranties take precedence, meaning HSA will not duplicate coverage already in effect. In addition, payout caps apply to some appliances, limiting how much the company will contribute to a repair or replacement.
HSA Home Warranty Costs
The price of an HSA Home Warranty depends on the plan you choose, the service fee option, and whether you add any extras. On average, plans range from the mid-$400s to around $700 per year, which puts HSA close to the national average for home warranty providers.
Annual or monthly payments cover the cost of the plan itself, but you’ll also pay a service fee each time you request a repair. Most homeowners pay about $100 per trade service call, though in some cases the fee can be slightly higher or lower. Optional add-ons for items such as pools, spas, or well pumps increase the overall price, usually by an extra $50 to $150 annually depending on what you choose.
Cost Comparison Table
| Plan Type | Annual Premium Range | Service Fee | Best For |
|---|---|---|---|
| Basic Coverage | $425 – $550 | $75 – $100 | Budget homeowners who want essential systems covered |
| Comprehensive Coverage | $550 – $650 | $100 | Families with older appliances and systems |
| Comprehensive + Add-Ons | $650 – $700+ | $100 – $125 | Homeowners who want specialty items included in coverage |
Pros & Cons of HSA Home Warranty
Every home warranty company has strengths and weaknesses. Here are the main advantages and drawbacks of choosing HSA.
Pros
- Nationwide reach: HSA is available in most states, making it an option for homeowners across the country.
- Realtor partnerships: Many real estate professionals recommend HSA during home sales, which can make transactions smoother.
- Customizable add-ons: Optional coverage lets you protect pools, spas, and other items not included in the base plan.
Cons
- Higher service fees: The trade call fee is often $100, which is higher than some competitors that start at $75.
- Coverage caps: Certain appliances have payout limits that may not fully cover a high-cost replacement.
- Mixed customer reviews: While some homeowners report fast claims processing, others mention delays or denials.
Customer Reviews and Reputation
HSA Home Warranty receives mixed feedback from customers. Ratings vary depending on the review platform, but overall satisfaction tends to be in the middle range compared to other providers.
- Better Business Bureau: HSA has been accredited for years and holds an average customer rating that reflects a mix of positive and negative experiences.
- Trustpilot: Reviews are often split, with some praising the ease of filing a claim and others noting problems with contractor quality.
- Positive highlights: Customers often mention smooth transactions when HSA is included as part of a home purchase, as well as responsive service when working with real estate agents.
- Common complaints: The most frequent concerns involve slow repair times, denied claims due to contract limitations, and inconsistent contractor performance.
HSA Home Warranty vs. Competitors
When evaluating HSA Home Warranty, it helps to compare it with other leading providers. Price and coverage are fairly similar across the industry, but each company has its own strengths.
How HSA Compares in 2025
HSA’s annual premiums usually range from $425 to $700, which is consistent with industry averages. The standard $100 service fee is higher than some competitors that offer $60 or $75 options, though it is similar to American Home Shield’s $100–$125 fees.
One area where HSA is more limited is coverage caps. Many items are capped at $2,000 to $3,000, while some competitors offer higher caps or even unlimited appliance replacement.
Comparison Table:
| Company | Annual Cost | Service Fee | Appliance Cap | Availability |
|---|---|---|---|---|
| HSA Home Warranty | $425 – $700 | $100 | $2,000 – $3,000 | 48 states |
| American Home Shield | $500 – $750 | $75 – $125 | Unlimited (varies by item) | 49 states |
| Choice Home Warranty | $450 – $650 | $85 | $3,000 | 48 states |
| Select Home Warranty | $400 – $600 | $60 – $75 | $2,000 | 46 states |
Who Should Consider HSA Home Warranty?
HSA may not be the best fit for everyone, but it works well in certain situations:
- Homebuyers at closing: Sellers or real estate agents often include HSA coverage to make the sale more appealing.
- Owners of older systems: Homeowners with aging appliances or HVAC systems may benefit from the extra protection.
- Not ideal for newer homes: If your appliances are under manufacturer warranties or you prefer to handle repairs yourself, HSA may not provide as much value.
How to File a Claim with HSA
Submitting a claim with HSA is straightforward, but knowing the steps helps avoid delays.
- Request service: Log in to your HSA account or call customer service to start a claim.
- Pay the service fee: A trade call fee is collected upfront for each contractor visit.
- Get assigned a contractor: HSA dispatches a local technician from its network.
- Repair or replacement: The contractor diagnoses the issue, repairs it if possible, or recommends replacement within your coverage terms.
Most claims are processed within a few business days, though wait times can be longer during peak seasons. To minimize the risk of denials, always review your contract and be clear about the issue when submitting your claim.
Final Verdict: Is HSA Home Warranty Worth It in 2025?
HSA Home Warranty is a solid choice for homebuyers working with real estate agents or homeowners who want an extra layer of protection for older systems. Its add-on options and nationwide availability are appealing, but the higher service fees and capped appliance coverage may be drawbacks for some.
If you want comprehensive protection with fewer limits, American Home Shield or another competitor may be a better fit. If you’re looking for seller-paid coverage during a home purchase, HSA is worth considering.