HSA Home Warranty Review | Should You Protect Your Home with HSA?

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HSA was established in 1984 and since that time has been a force in the home warranty industry.

From first-class service to excellent home warranty choices, HSA is a company customers associate with quality.

Since its inception, HSA has strived to make itself synonymous with the best service in the home warranty industry including hiring reliable technicians and knowledgeable customer representatives.

Located in Madison, Wisconsin, HSA believes its people make all the difference when it comes to customer satisfaction. This is evident if you call into HSA’s customer service team.

The chances are good you’ll speak to a knowledgeable and courteous agent who will go out of their way to get your problem addressed.

Below, we’ll review all of HSA’s key features and weigh the pros and cons of protecting your home with HSA.

HSA Home Warranty Review: Top Features

HSA Home WarrantyHSA offers a wide range of features for all its customers, putting it on our list of the best home warranty companies

Here are a few of the benefits you can expect with your HSA home warranty.

Home Protection

There are always potential disasters lurking when it comes to home ownership. No one wants to be unprepared or unprotected when the worst happens.

Thankfully, HSA home warranties have a one-year contract which helps offset the cost of unexpected repairs. This coverage also helps with appliance replacements and wear and tear on your mechanical systems.

Convenient Service

If the worse does happen, you can reach out to HSA to get help with locating a professional to help you.

Instead of scouring the internet and hoping you find a reputable company, call HSA and ask for their support. Their fantastic customer service team will connect you with a qualified service company.

Annual Renewal

You can renew your HSA home warranty every year, which means you always have the protection you need.

Be prepared for unexpected incidents by ensuring that your HSA warranty automatically renews. That way, you don’t have to worry about coverage lapsing or not being available when you need it most.

Warranty Plans

HSA provides its home warranty to customers who are either buying and selling a home or those who are already existing homeowners in need of coverage.

No matter what type of customer you are, HSA gives you access to its array of plans. However, those who are in the process of buying or selling a home will only have temporary coverage.


This plan will run you $58 each month or $699 on an annual basis if you prefer to pay once a year.

Keep in mind that the price could change depending on what state you live in.

You can also reduce the cost if you’re willing to pay a higher deductible if you need that option.

You’ll receive great coverage from HSA if you select the basic plan. Some of the items covered in this plan are plumbing, heating, duct work, faucets, fans, lighting, ovens, microwaves, refrigerators, bathtubs, alarms, and ovens.

HSA also covers any failures that occur in your septic system as a result of corrosion or rust.

Upgrade Plan

With the Upgrade Plan, you’ll pay $71 a month, or $850 every year for the Upgrade Plan.

Not only does the Upgrade Plan cover everything the Basic Plan covers, but it also includes protection for the individual parts of your appliances.

Additionally, the Upgrade Plan will cover the cost of disposing of your old appliances and equipment. Again, bear in mind the amount you pay for this plan may vary based on where you reside.

The Good

It’s tough to know which home warranty plans are worth giving a try, which is why we want to point out some of the positives of the HSA home warranty. Let’s take a moment to review some of the benefits of purchasing an HSA home warranty.

Excellent Reputation in the Home Warranty Industry

HSA has an excellent reputation in its market for providing fantastic home warranties. The company offers excellent services and coverage, some of which you won’t find with other home warranty options.

Choosing HSA for your home warranty needs means you’re getting a well-known company in the industry.

Excellent Customer Support

If you rank customer service above everything else, then HSA is the company for you.

HSA takes great pride in offering knowledgeable, reliable, and courteous customer support representatives.

Whether you’re calling in to check on a claim or just need to find out what type of coverage you have, HSA goes above and beyond with its superb customer support.

Real Estate Coverage

If you’re a homeowner, this coverage won’t apply to you. However, real estate coverage does impact those who are considering purchasing a home of their own.

These types of plans give real estate agents the ability to provide coverage for their buyers. That way, while their clients are shopping for their new home, they’ll have the peace of mind they need

With 35 years in the home warranty market, HSA knows enough about the industry to create comprehensive plans for real estate agents, homeowners, or contractors. They understand how unique your needs may be and can help you find a way to protect your home.

No Inspection Required

Some home warranty companies require homeowners to submit to an inspection if they want coverage. HSA does not ask for this.

If you want to enroll for a home warranty with HSA, just fill out the form and pay the monthly premium.

However, HSA does require the items they cover are properly installed, maintained, and in good working order. If they are not, they will not qualify for coverage. Additionally, HSA does not cover pre-existing conditions under their home warranty plans.

The Bad

No home warranty company is perfect, and HSA is no exception. While the company offers plenty of benefits and features, it does have a couple of drawbacks as well.

  • Location: HSA is not available in every state. That means there is limited availability for their plans, and not all plans will work for everyone. It’s not clear whether HSA plans on expanding to other states; however, a smaller service area means that the company can focus on specific locations. HSA can specialize in particular markets, which makes them the experts in the areas in which they do provide coverage.
  • Reviews: HSA comes with its mix of positive and negative reviews, a common occurrence with home warranty companies. Taking those reviews with a grain of salt is key. 

While HSA hasn’t been in business for as long as some of the more prolific home warranty businesses out there, three and a half decades of service is nothing to scoff at.

However, HSA does have an excellent reputation which makes it one of the best in the business. For the time they have been in business, they’ve been at the top of their industry and continue to be a successful and growing firm.

Alternatives to HSA

As you shop for a home warranty provider, take a look at some of the top alternatives to HSA.

The Bottom Line

HSA gives its customers comprehensive home warranty coverage with fantastic features and benefits.

They’ve been around for 35 years, which makes them a veritable veteran in the home warranty industry. While they don’t provide their services to a large area, they are the experts in locations that they serve.

Their monthly premiums are reasonable, especially considering the amount of coverage their customers receive.

HSA provides coverage in areas where other companies don’t, so if you live in an area they service, they’re a great home warranty option.

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