Quick Facts
Score Breakdown
Final Score: 79.5/100 (7.8 normalized)
Overview
HSA Home Warranty is best known in real-estate circles, where it's a frequent inclusion in seller-funded home warranties during the listing period. HSA is owned by First American Financial, a Fortune 500 company that gives it a long financial track record.
HSA's plans are customizable — buyers and sellers can mix and match coverage modules — and the company specializes in seller coverage during the time a home is on the market.
Plans & Coverage
- Buyer 7-Star Plan: Comprehensive plan typically purchased at closing for the new homeowner.
- Seller Coverage: Protects key systems and appliances while the home is listed for sale, often free or low-cost when paired with a buyer plan.
Pricing
HSA plans typically run from $42 to $70 per month with customer-selected service fees from $75 to $125. Pricing varies considerably by state.
Claims Process
Claims are 24/7 with phone, web, and mobile-app intake. Average resolution time was 4.5 days in our data.
Customer Service
HSA leans heavily on its real-estate-channel relationships. The customer service experience is decent for buyer-side claims but more polished on the realtor side.
Pros & Cons
Pros
- 40+ years in business
- Backed by a Fortune 500 parent
- Free or low-cost seller coverage during listings
- Customizable plan modules
- 24/7 claims
Cons
- Coverage limited to ~30 states
- Slower average claim resolution than top picks
- Most pricing requires a real-estate agent quote
What Customers Are Saying
HSA averaged 3.6/5 in our review. The real-estate-channel customers were largely satisfied; direct retail customers reported more variable experiences.
Bottom Line
HSA is a solid choice if you're selling your home and want listing-period coverage to reassure buyers, or if your real-estate agent already partners with them. For straight retail purchase, our higher-ranked picks usually deliver better value.