HSA Home Warranty Review for 2020

HSA Home Warranty, also called Home Security of America, offers home warranties to both homebuyers and sellers. The Business has been in operation since 1984. 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 Home Warranty

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Even at the base level, HSA’s home warranty plans offer comprehensive coverage for elements like central air conditioning systems, central heating systems, kitchen appliances, clothes washers and dryers, plumbing systems, and electrical systems.

With a variety of add-on and upgrade options, you can tailor these plans to offer additional coverage as needed. Investing in a home warranty can help to minimize the expenses of selling a house or the unexpected costs you might face when in your new home.

HSA Home Warranty Plans

Coverage is currently only available in 26 states, so before you dig into the details of each warranty plan, start by making sure that your state is eligible for coverage. Trade call fees start at $75 and can be as high as $125, though most states have fees of $100, which is an average price. If you live in Montana, you’ll have the option of choosing a higher trade call fee and a lower premium, or you can choose the opposite.

HSA offers 12-month home warranty plans. If you’re buying a home, your warranty will begin on the date of your closing. Plans range from $445 to $675 per year and are dependent on the state where you live.

Basic Seller/Buyer Plan

The Basic Seller/Buyer Plan is available to both sellers and buyers when a home is purchased or sold. While considered to be HSA’s base-level plan, it offers comprehensive coverage of major appliances and home systems:

  • Water heater and instant hot water dispenser
  • Water, gas, drain and waste lines
  • Routing of drain line stoppages
  • Toilet tank and bowl, wax ring seals
  • Plumbing parts, sump pump, whirlpool bathtub
  • Electrical system, garage door openers
  • Attic fans, exhaust fans and ceiling fans
  • Oven, stove top/range and built-in microwave oven
  • Dishwasher, trash compactor and garbage disposal
  • Failures due to sediment
  • Failures due to lack of maintenance
  • Clothes washer and dryer

While central heat, central air/heat pump and ductwork coverage aren’t included in this plan, you can opt to include it for an additional minimal fee.

Basic Buyer Only Plan

The Basic Buyer Only Plan is designed specifically for homebuyers, and sellers aren’t eligible to purchase this home warranty. In addition to all of the items included in the Basic Buyer/Seller Plan, the Basic Buyer Only Plan features some extra coverage:

  • Central heat, central air/heat pump and ductwork
  • Re-keying of up to six keyholes and four identical keys
  • Refrigerator, including ice maker/beverage dispenser
  • Doorbell and central vacuum
  • Burglar alarm and fire alarm
  • Roof leaks

This plan is very close in price to the Basic Seller/Buyer Plan, so if you’re buying a home, it makes sense to choose this plan and to enjoy the extra coverage that it offers.

Optional Coverage

If you’re looking for more protection than the plans offer as-is, HSA also offers multiple add-ons:

  • Clothes washer and dryer
  • Standalone freezer
  • Freestanding ice maker
  • Wine chiller
  • Hot tub
  • Water well pump
  • Septic system
  • Swimming pool
  • Water softener
  • Roof leaks
  • Electronic air cleaner

These upgrades allow you to ensure that your plan covers all of the most important elements of your home, but keep in mind that these options aren’t available in all states.

HSA offers a 7-Star Upgrade that enhances the basic plan. This upgrade offers increased coverage, including:

  • $250 toward code violations
  • Improper installation and repair protection
  • Permits up to $250 per occurrence
  • Removal and disposal of any equipment that’s replaced

Special Features

HSA does not require any home inspections when you enroll in your home warranty plan. HSA does specify that “covered items must be properly installed, properly maintained, and in good working condition at the time of application in order to qualify for coverage.” Standard HSA warranties do not cover pre-existing conditions, but the 7-Star Upgrade does extend coverage to improper installation and repair situations.

If you have coverage as a buyer and sell your house while it’s still under warranty, you can transfer your remaining coverage to the buyer without any additional fees. The buyer can also decide to renew the policy at the end of its term, or you can renew early to give the buyer extra coverage.

HSA makes filing a service request easy. You can call 800-367-1448 or use the online Request Service page. An HSA representative will contact a technician within 48 hours of receiving your request, and a technician will call you to schedule an appointment. You’ll then be responsible for the trade call fee for the appointment.

How to Get a Quote from HSA Home Warranty

You can view available warranty plans in your state by using HSA’s online coverage cost estimator. For a customized quote, you can call 800-367-1448.

Is HSA Home Warranty Right for You?

HSA offers comprehensive coverage at affordable rates, and with the available upgrades and add-ons, you can design your coverage to offer even more protection. The major downside to this company is the fact that coverage isn’t offered in 24 states, so you may or may not qualify for a warranty, depending on where you live. The fact that it can take HSA up to 48 hours to contact a technician after receiving a service call request is another downside.

If you’re looking for comprehensive coverage, HSA delivers, with multiple upgrade and add-on options. Navigating your coverage options can be a challenge since coverage and rates vary from state to state. If you live in one of the states covered by HSA, then this may be a home warranty company worth considering, but do read some reviews when deciding if this company is for you.

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