Home Security of America, also known as HSA Home Warranty company, is well-known home warranty company that offers coverage in many states. We have prepared a comprehensive report on this company using information from multiple sources, including Home Security of America reviews on consumer report sites.

Rating: Good
3.62 Stars
Parameter Score Explanation
Coverage 85 Unlike many other home warranty companies, Home Security of America differentiates coverage for home sellers and homebuyers. Home sellers may only purchase basic coverage, and home buyers may cover as much as they wish.
Policy 90 Policy terms and conditions clearly describe coverage, pricing, and cancellation conditions.
Plan variety 75 Limited selection, compared to other companies. Basic plan is available for both home sellers and home buyers. For home buyers there is also Buyer 7 Star Upgrade that offers better coverage, plus a list of optional add-ons.
Cost 70 The pricing depends on whether you are a home seller of a home buyer. Home buyers have better pricing options and flexibility.
Reviews 85 We have collected over 500 Home Security of America reviews on multiple consumer reports sites. Overall, the customers are satisfied with the services. The company's BBB rating is B.
Credibility 90 More than 30 years on the home warranty market and a good reputation give Home Security of America.

We recommend the following companies instead:

Choice Home Warranty Review
98.5
Rating
šŸ†Ā More Than 10 Years on the Market

šŸ†Ā Most Comprehensive Plans

šŸ†Ā Customer Satisfaction Award

šŸ†Ā Cheapest and Best Basic Plan ($34)
Read Full Choice Home Warranty Review Here

Clients from:  

 Illinois, Arizona, Colorado, Florida, Georgia, Indiana, Maryland, Ohio, Texas, District of Columbia + 35 More States
Select Home Warranty Review
94.4
Rating
šŸ†Ā Almost-Nationwide Service

šŸ†Ā 1,500/2,000 Client Reviews Online Are Positive

šŸ†Ā Clearest Terms and Conditions

šŸ†Best Gold Plan ("Platinum Care")
Read Full Select Home Warranty Review Here

Clients from:  

 Illinois, Arizona, Arkansas, Colorado, Florida, Georgia, Indiana, Maryland, Ohio, Texas, Utah, Virginia, District of Columbia + 38 More States
Total Home Protection Review
91.2
Rating
šŸ†Ā Customer Service Available 24/7

šŸ†Ā BBB rating A-

šŸ†Ā Comprehensive Coverage Plans

 
Read Full Total Home Protection Review Here

Clients from:  

 Illinois, Arizona, Arkansas, California, Colorado, Florida, Georgia, Maryland, Ohio, Texas, Utah, Virginia, District of Columbia + 23 More States
Rating: Good
3.62 Stars

Company Credibility Review

Home Security of America home warranty company has been on the market since 1984 successfully protecting home systems and appliances in many households all over the United States, except Alaska, California, Oklahoma, Louisiana, New York, and West Virginia. The company is registered in Wisconsin, with the main office currently located at 1861 Ludden Dr, Cross Plains, WI 53528-9443, USA. Mr. Robert Lehmann is the companyā€™s CEO.

Over the years, Home Security of America has been building a strong reputation among the homeowners. The company is registered with the Chamber of Business and Federal Trade Commission. Home Security of America BBB rating is B, and the composite score is 2.83 out of 5 stars based on 199 customer reviews.
Ownership -
Est. 1984
CEO Robert Lehmann
Registered in Cross Plains, WI 53528-9443, USA
Available for states All Except AL,CA,OK,LA,NY,WV
Mailing Address 1861 Ludden Dr
How to approach Contact Now
BBB Accreditation B
Chamber of Business Home Security of America is listed by the chamber of business and the FTC
Rating: Great!
5 Stars

Home Security of America Company Reviews by Clients

We have collected about 500 Home Security of America reviews published on various consumer report sites, including Yelp, Consumer Affairs and Better Business Bureau. Overall the customers reported negative experience with the companyā€™s customer services with their phone calls being put on hold for a long time and slow reaction to the claims. Happy customers, on the other hand, admitted politeness of the Home Security of America customer service representatives and professionalism of contractors that came to repair the issues.
Website Numbers of reviews Avg Score (out of 5)
My 3 Cents 13 1
Yelp 116 2
Complaints Board 21 n/a
Ripoff Report 12 n/a
Consumer Affairs 111 1.3
Complaints List 20 1.4
BBB 199 2.83
Rating: Satisfactory
2.3 Stars

Coverage

Home Security of America provides home warranty coverage that benefits both home sellers and home buyers. Many home sellers prefer to have their home covered while it is one the market and increase their propertyā€™s value, as most home buyers would prefer to buy a home covered under home warranty, that would help them keep peace of mind and save money on house systems and appliance repairs and replacements.

Heating System

HSA Home Warranty covers up to 2 heating system units, including forced air furnace, radiant electric with wiring, radiant hot water or steam boilers, solar heating units, heat exchangers, thermostats and ductwork. Water heater/ heating combination units and oil systems are covered up to $1,500 aggregate, including radiant heating lines, circulating pumps and piping.

Air Conditioning

For A/C, the company covers electric units, refrigerated or evaporative units, packaged systems, heat pumps, thermostats, ductwork from cooling unit to point of attachment at registers or grills, and more. For the full list of covered and noncovered items please see the table below. Please note that glycol systems, water source and geothermal heat pump systems are covered up to $1,500 total.

Electrical System

All interior wiring, main service panels, receptacles, fuses, outlets and switches are covered by Home Security of America policy. In addition, up to 2 garage door openers, ceiling fans, central vacuum motor, doorbells, burglar and fire alarms, and lighting fixtures are also covered. It should be noted that the claim about failure in the central electrical system caused by noncovered electrical wiring or components will not be honored.

Plumbing System

The company covers all interior leaks and breaks of water supply lines, gas lines, and drain and waste lines. Plumbing stoppage will be cleared with rotary machinery through an accessible cleanout. Additionally, toilet and water tank, pressure regulators, valves, sinks, and tubs are covered as well. Coverage for primary sump pump, hot water dispenser, whirlpool bathtub pump and motor assembly is also available.

Home Appliances

HSA Home Warranty coverage for home appliances includes all these appliances in the primary kitchen only: oven/ range, dishwasher, garbage disposal, built-in microwave oven and trash compactor. HSA will pay up to $2,500 aggregate for the life of the contract toward repair/replacement of Professional series or ultra-premium appliances, including, but not limited to, Sub-Zero, Viking or Jenn-Air.

Home buyers can also upgrade their basic plan to Buyer 7 Star Upgrade plan that will cover more parts and components of their home systems and appliances. Optional coverage is available for septic system, roof leaks, water well pump, clothes washer and dryer, kitchen refrigerator, and other items.


Definitions

ā€œComponent Partsā€ - the constituent elements of mechanical items as covered by this contract.

ā€œOperational Failureā€ - the mechanical breakdown of ā€œComponent Parts.ā€

ā€œProper Working Orderā€ - functioning as intended and expected for its age, and within the safety standards as established by the system manufacturer.

ā€œLossā€ ā€“ the reasonable market cost or the actual cost HSA can contract for the required services, whichever is less, for the repair or replacement of ā€œComponent Parts.ā€

ā€œInteriorā€ - the space within the external surface area which constitutes the perimeter of the residenceā€™s exterior walls; under the roofing materials; above or encased in the basement floor or homeā€™s slab, or above the ground surface in a crawl space.

Covered by HSA

  • Tank, heat elements, thermostat, valves, flue piping, electrical or gas connections
  • Failures due to sediment build-up;
  • Includes tankless water heaters;
  • Water heater/heating combination units and oil systems are covered up to $1,500 aggregate.

Not covered by HSA

  • Solar/solar-assisted water heating units
  • Circulating pumps
  • Expansion tanks
  • Energy conservation flues and vents

Covered by HSA

  • Leaks and breaks of water supply lines, gas lines, drain and waste lines;
  • Leaks in polybutylene piping;
  • Drain line routing with rotary machinery (excludes camera diagnosis and hydro-jetting to clear the line) through an accessible cleanout, p-trap, drain or overflow access points;
  • Pressure regulators, wax ring seals, toilet fixture and water tank (replaced with builderā€™s standard as necessary);
  • Parts within the toilet tank, in-line shut-off valves, risers leading into: sinks, tubs and toilet;
  • Primary sump pump for pumping water only;
  • Single-point instant hot water dispenser including casing, element, wiring and valve;
  • Whirlpool bathtub pump and motor assembly

Not covered by HSA

  • Ejector/lift pumps; hose bibbs, faucets, shower heads and their respective assemblies including valves for shower/tub diverter, trip levers, tub stopper assembly and sink pop-up assembly;
  • Caulking, grouting, or tiles; lines or parts lying within an unheated area; drain line stoppages caused by roots
  • Basket strainers, shower base pans, shower enclosures or doors, sinks, tubs, drain tile/French drains, sprinkler systems; water well/cistern or septic systems and components; water softener, water filter/purifier, bidets, failures due to salt, mineral beds or deposits
  • HSA is not responsible for installing a clean-out or pulling/re-setting a toilet to access a drain line stoppage; routing through roof vents is not covered

Covered by HSA

  • Wiring, main service panels, sub-panels, receptacles or outlets, switches, fuse boxes, electric wiring to all major electrical equipment; outside outlets attached to the primary residential structure and garage;
  • Garage door opener (2 systems maximum) includes track assembly and carriage unit if part of the opener unit; permanently installed ā€œInteriorā€ attic and exhaust fans used for the intake and output of air excluding belts, shutters and filters;
  • Ceiling fans; central vacuum motor and relay switches;
  • Door bell systems which are not part of an intercom system
  • Lighting fixtures, burglar alarm and fire alarm

Not covered by HSA

  • Failure in the central electrical system caused by noncovered electrical wiring or components;
  • Telephone wiring; garage door: cables, rollers, hinges, springs, keypads, remote transmitter units or door replacement;
  • Direct current (D.C.) wiring or components and/or low voltage systems including wiring and relays
  • Central vacuum hoses or accessories;
  • Chandeliers, smoke alarms, intercom systems;
  • Exhaust equipment mounted on the roof (i.e. turbine ventilator)
  • Clogged lines or conditions of inadequate capacity

Covered by HSA

  • All ā€œComponent Partsā€, except for those excluded below, including timers that affect the primary function of the appliance
  • All appliances must be located in the primary kitchen unless additional units have been approved by HSA and premium has been received by HSA
  • Includes oven/ range, dishwasher, garbage disposal, built-in microwave oven and trash compactor.

Not covered by HSA

  • Clocks, knobs, handles, dials, springs, hinges, tubs, liners, baskets, shelves, drains, glass breakage, probes, rotisseries, racks, rollers, light bulbs, lock/key assemblies, buckets, televisions, computer screens or computers that are part of an appliance but do not affect the primary function of the appliance
  • Stand-alone freezers, walk-in freezers, clothes washer, clothes dryer, refrigerator, ice maker/crusher/beverage dispensers and their respective equipment.

Limits

HSA will pay up to $2,500 aggregate for the life of the contract toward repair/replacement of Professional series or ultra-premium appliances, including, but not limited to, Sub-Zero, Viking or Jenn-Air (individual trademarks are owned by the brand name company).

$2500

Covered by HSA

  • Forced air furnace;
  • Radiant electric including wiring, heat lines installed in electrical baseboards, or ceiling cables
  • Radiant hot water/steam boilers, water heater/ heating combination units and oil systems are covered up to $1,500 aggregate including radiant heating lines, circulating pumps and piping;
  • Solar heating units including solar collectors, reflectors and fiberglass or galvanized holding tanks that are used for storage of water for a solar heating system
  • Heat exchangers, wall furnaces if they are the main source of heat to the residence; ductwork-attached humidifier
  • Thermostats, ductwork from heating unit to point of attachment at registers or grills

Not covered by HSA

  • Collector box, coal and wood burning equipment, chimneys, fireplaces, flue liners, systems with compressors larger than five tons; oil storage tanks, free standing or portable space heaters, heat or energy recovery units
  • Air cleaners/filters, condensate line clearing, crane charges, heat lamps, filters, registers, grills, insulation, improperly sized ductwork

Covered by HSA

  • Electric units, refrigerated or evaporative units, packaged systems, heat pumps
  • Geothermal system and water source heat pump system ā€œComponent Partsā€ located within the ā€œInteriorā€ of the residence
  • Glycol systems, water source and geothermal heat pump systems
  • Thermostats, ductwork from cooling unit to point of attachment at registers or grills

Not covered by HSA

  • Gas units, systems with compressors larger than five tons
  • Outside/underground piping, well pump and ā€œComponent Partsā€ for geothermal and/or water source heat pumps
  • Heat or energy recovery units
  • Non-ducted air conditioners, condensate line clearing, crane charges, filters, registers, grills, insulation, improperly sized ductwork

Limits

Glycol systems, water source and geothermal heat pump systems are covered up to $1,500 aggregate

$1500

Notes

For covered air conditioning and heat pump failures, when repair is not possible and like SEER (Seasonal Energy Efficiency Ratio) or HSPF (Heating Seasonal Performance Factor) equipment is not readily available, HSA will replace with 13 SEER or 7.7 HSPF equipment. HSA will also install a TX valve or will replace the evaporator coil/air handler and line set if necessary to be compatible with the replaced equipment. Modifications, including but not limited to, a replacement pad for the condensing unit, relocation of existing equipment to accommodate larger sized equipment, ductwork fabrication or plenum work that is necessary to install the new coil in the existing space, will be the responsibility of the homeowner

If the 7 Star Upgrade is purchased, HSA will pay modification charges as outlined in Section E. 7 Star Upgrade.

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • Includes shingles (cedar or asphalt), built up roofing, slate and tile.
  • DEFINITION: the exterior surface that constitutes the top of the residence, excluding any skylights.

Not covered by HSA

  • Condominium or townhouse roofs
  • Leaking of an existing roof that has not been properly installed or attached;
  • Damage done by ice, mud, snow or wind and any acts of God
  • Secondary damage from any type of leak or re-roofing of the residence
  • Chimneys, gutters or downspouts, skylight or skylight flashing repairs for leaks or any other damage

Limits

We will pay up to $750 aggregate to repair roof leaks only

$750

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • ā€œOperational Failuresā€ occurring more than thirty (30) days after the inception date of buyer/buyer direct coverage are covered up to $1,500 aggregate including access, diagnosis, repair and/or replacement;
  • Must be primary water source to residence

Not covered by HSA

  • Digging new or deeper wells
  • Co-op/shared wells, irrigation/sprinkler wells, windmills, curing water quality, failures from lack of water, drop pipe, tank, electrical supply line, exterior piping or any part of the well that is not the pump
  • Cistern and components

Limits

Coverage are covered up to $1,500 aggregate including access, diagnosis, repair and/or replacement

$1500

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • ā€œOperational Failuresā€ occurring more than thirty (30) days after the inception date of buyer/buyer direct coverage
  • Includes ejector/lift pump
  • Failures to the septic system electrical wiring, lines, tank, and dry (refuse) well are limited to $300 per occurrence including access, diagnosis, repair and/or replacement.

Not covered by HSA

  • Drain fields, leach beds, aerator/aerator systems and electrical supply lines
  • Cess pools, cess pool cave-ins
  • Upgrading system such as to city or municipal sewage system; septic tank pumping

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • All ā€œComponent Partsā€, except for those excluded below, including electrical wiring

Not covered by HSA

  • Rental or leased equipment
  • Repair or replacement of water softener necessitated by mineral beds or deposits
  • Cleaning.

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • Transformer, power pack, switches, wires and elements

Not covered by HSA

  • Free standing units, mesh filters, back flush mechanisms and self-cleaning units.

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • All ā€œComponent Partsā€, except for those excluded below, including control timers, except: HSA will pay up to $2,500 aggregate for the life of the contract toward repair/ replacement of Professional series or ultra-premium appliances, including, but not limited to, Sub-Zero, Viking or Jenn-Air (individual trademarks are owned by the brand name company).

Not covered by HSA

  • Any failures to the door other than appliance controls located within the door
  • Clocks, knobs, handles, dials, springs, hinges, tubs, liners, baskets, shelves, drains, glass breakage, racks, rollers, light bulbs, buckets.

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • All ā€œComponent Partsā€, except for those excluded below, including ice maker/crusher/beverage dispenser and their respective equipment.

Not covered by HSA

  • Drain, condensate line clearing
  • Any failures to the door other than appliance controls located within the door
  • Clocks, knobs, dials, springs, hinges, liners, glass breakage, baskets, racks, rollers, handles, shelves, light bulbs
  • Televisions, computer screens or computers that are part of an appliance but do not affect the primary function of the appliance

Limits

HSA will pay up to $2,500 aggregate for the life of the contract toward repair/replacement of Professional series or ultra-premium appliances, including, but not limited to, Sub-Zero, Viking or Jenn-Air (individual trademarks are owned by the brand name company).

$2500

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • All ā€œComponent Partsā€, except for those excluded below, including compressor, fan motor, thermostat and wiring.

Not covered by HSA

  • Walk-in freezers, drain, condensate line clearing, clocks, knobs, dials, springs, hinges, liners, any failures to the door other than appliance controls located within the door; glass breakage, baskets, racks, rollers, handles, shelves and light bulbs.

Limits

HSA will pay up to $2,500 aggregate for the life of the contract toward repair/replacement of Professional series or ultra-premium appliances, including, but not limited to, Sub-Zero, Viking or Jenn-Air (individual trademarks are owned by the brand name company)

$2500

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • All ā€œComponent Partsā€, except for those excluded below, including compressor, fan motor, thermostat and wiring.
  • Wine chillers with a capacity up to 35 bottles

Not covered by HSA

  • Walk-in freezers, drain, condensate line clearing, clocks, knobs, dials, springs, hinges, liners, any failures to the door other than appliance controls located within the door
  • Glass breakage, baskets, racks, rollers, handles, shelves and light bulbs

Limits

HSA will pay up to $2,500 aggregate for the life of the contract toward repair/ replacement of Professional series or ultra-premium appliances, including, but not limited to, Sub-Zero, Viking or Jenn-Air (individual trademarks are owned by the brand name company).

$2500

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • Must have jets, impellers, valves, be able to fill with water to qualify for coverage
  • Includes filter, heater, pump, motor, gaskets, relays, jets, impellers, valves if stand-alone hot tub

Not covered by HSA

  • Cleaning or sanitation equipment, skimmer equipment or secondary or booster type pumps used for cleaning pools
  • Timers, lights, main body, liners, structural defects, covers, filter grids, concrete-encased or underground plumbing, electrical or fuel lines
  • Geothermal, solar or solar-assisted water heaters and their respective plumbing and equipment
  • Wood encased or otherwise inaccessible parts
  • Any unit with an independent boiler system
  • Salt regenerator

Limits

Limited to $1,000 per occurrence of ā€œOperational Failureā€ when hot tub shares mechanicals with swimming pool

$1000

Notes

If pool/hot tub combination option is selected the two systems must share mechanical equipment.

Optional coverage may be purchased up to 30 days after the effective date of buyer/buyer direct coverage; however, coverage shall commence upon receipt of payment by HSA and will expire one year after the effective date of the contract.


Covered by HSA

  • Heaters which do not have a compressor as a component
  • Filter, pump, motor, gaskets, relays, impellers, back flush valve and above ground plumbing lines leading to and from the swimming pool
  • Must be for a single family, commercially built and properly installed

Not covered by HSA

  • Cleaning or sanitation equipment, skimmer equipment or secondary or booster type pumps used for cleaning pools
  • Timers, lights, main body, liners, structural defects, covers, filter grids, concrete-encased or underground plumbing, electrical or fuel lines
  • Geothermal, solar or solar-assisted water heaters and their respective plumbing and equipment
  • Wood encased or otherwise inaccessible parts
  • Any unit with an independent boiler system
  • Salt regenerator

Covered by HSA

  • Cover up to $300 aggregate for fees associated with the use of cranes or other lifting equipment required to remove or install rooftop heating or air conditioning units.

Covered by HSA

  • Registers, grills, filters and heat lamps

Notes

HSA will only pay for any required replacement of disposable media filters if discovered during a service call initiated due to a mechanical failure relating to a covered central heat or central air unit.

HSA does not provide coverage for service initiated specifically for normal maintenance or filter replacement as part of normal maintenance

Covered by HSA

  • Refrigerant recovery and non-ducted air conditioners

Covered by HSA

  • Water heater (expansion tanks)
  • Faucet and shower head assemblies and their respective ā€œComponent Partsā€ including valve for shower/tub diverter, trip levers, tub stopper assembly and sink pop-up assembly
  • Faucets and shower heads will be replaced with chrome builderā€™s standard as necessary

Limits

Toilets replaced with like quality up to $600 per occurrence of ā€œOperational Failureā€

$600

Accessing plumbing located in concrete, coverage will be limited to $1000 aggregate

$1000

Covered by HSA

  • Smoke alarms
  • Garage door opener (hinges, springs, keypads and remote transmitters)

Covered by HSA

  • Refrigerator (option must be purchased to qualify for coverage) refrigerant recovery
  • Trash compactor lock and key assemblies, bucket
  • Dishwasher racks, tubs, liners, baskets and rollers
  • Built-in microwave interior lining, door glass, clock and shelves
  • Oven/range interior lining, clocks, rotisseries, racks, handles, knobs and dials
  • Clothes washer and dryer (option must be purchased to qualify for coverage) tubs, liners, baskets
  • When the correction of code violation(s) is required to affect a covered repair or replacement of a heating, plumbing, water heater or electrical ā€œComponent Partā€, HSA will pay up to $250 aggregate to correct the code violation(s).
  • If there is only a code violation and no related covered repair or replacement, HSA will not pay simply to remove the violation

Covered by HSA

  • If HSA has authorized the replacement of a water heater, central heat or central air system and water heater flue, drain pan, sheet metal fabrication, plenum work or installation of a new pad for a condensing unit are necessary to complete the covered replacement, HSA will pay $500 aggregate toward modification charges

HSA will pay the cost for obtaining permits for HSA-approved repairs and replacements up to $250 per occurrence


Covered by HSA

  • Removal and disposal of replaced equipment
    when HSA replaces a covered system HSA will also pay the cost to dispose of the defective equipment
  • Mismatched heating and cooling systems
    HSA will cover a defect or mechanical failure of a system that was not properly matched in size or efficiency, if the defect or mechanical failure would have otherwise been covered.
  • If the mismatched system is a code violation, coverage will be limited to $250 aggregate

Covered by HSA

  • HSA will cover a defect or mechanical failure of a system that was not properly installed, modified and/or repaired, if the defect or mechanical failure would have otherwise been covered
  • If the improper installation, modification or repair is a code violation, coverage will be limited to $250 aggregate

Rating: Great!
4.6 Stars

Plans and Costs

Home Security of America home warranty plans include several options. Option 1 is Basic plan. It is available for both home buyers and sellers. Buyers only option is cheaper. No sellers only option is available. Basic plan covers all major home systems except septic system that can be added as an optional coverage for an extra price. Major kitchen appliances are also covered. Please note that refrigerator, washer and dryer are not included in the basic plan but can be added to it as home freezer, water softener, ice maker, hot tub, swimming pool, and other items.

Option 2 is buyers only. It is called Buyer 7 Star Upgrade. This plan expands coverage of all home systems and appliances covered in the Basic plan and also includes up to $250 coverage for the fixing of code violations, $500 towards central heat, air or water heater, and many additional items. All items from Optional Coverage section, such as roof leaks, swimming pool and hot tub, septic system, clothes washer and dryer, and more, are available for buyers only.
Plans Cost Best For
Plan 1: Basic plan
Includes: Central heat, central air and heat pump; Ductwork, thermostat and ductwork-attached humidifier; Water heater and instant hot water dispenser; Water, gas, drain and waste lines; Routing of drain line stoppages; Toilet tank and bowl (builderā€™s standard); wax ring seals; Plumbing parts, sump pump, whirlpool bathtub; Electrical system, garage door openers; Attic fans, exhaust fans and ceiling fans; Lighting fixtures, door bell, central vacuum, burglar alarm & fire alarm; Oven, stove top/range & built-in microwave oven; Dishwasher, trash compactor and garbage disposal; Failures due to rust and corrosion; Failures due to water heater sediment; Failures due to lack of maintenance
  • $530....Seller/Buyer Coverage
  • $480....Buyer Only Coverage
  • 100$ per service call
This plan will work the best for those home sellers and buyers who would like to keep their mind in peace by purchasing home warranty for the most essential home systems and appliances.
Plan 2: BUYER 7 STAR UPGRADE
Crane charges for rooftop air conditioning or heating replacement; Central heat and air: registers, grills, filters & heat lamps; Central air: refrigerant recovery and non-ducted window or wall air conditioner; Faucets and shower heads (replaced with chrome builderā€™s standard); Water heater expansion tanks; toilets replaced with like quality; Smoke alarms; Garage door opener: hinges, springs, keypad and remote transmitter; Trash compactor lock/key assembly & bucket; Dishwasher racks, baskets & rollers; Built-in microwave interior lining, door glass, clock and shelves; Oven/range interior lining, clocks, rotisseries, racks, handles, knobs and dials; $250 toward code violations; $500 toward modifications on central heat, air or water heater; Permits up to $250 per occurrence; Disposal of replaced equipment; Mismatched heating and/or air conditioning system; Improper installation/repair
  • $135....BUYER 7 STAR UPGRADE
Thsi plan will work best for experienced home buyers who know how important it is to cover as much of the house as possibe and save money on the long run.
BUYER OPTIONS
For those homeowners who feel like they don't have enough coverage with the plans described above, extra options are always available.
Roof leaks (not available in Connecticut)
  • $75
Water well pump/septic system
  • $50
Water softener
  • $40
Electronic air cleaner
  • $40
Clothes washer and dryer
  • $80
Refrigerator (including ice maker/beverage dispenser)
  • $45
Home freezer
  • $30
Freestanding ice maker/wine chiller
  • $45
Hot tub
  • $150
Swimming pool
  • $150
Pool/hot tub combination (must share common mechanicals)
  • $175
Rating: Good
4 Stars

Policy and User-Friendliness

The company's website is very conveniently organized, which makes it very user-friendly. All information on the company’s plans, pricing, dollar limits, policy terms and conditions, and detailed descriptions of covered and non covered items is available in one place, which is easy to find. From the homepage, click on Homeowners tab. On the left hand side of the page you will see a menu. Coverage and Costs link will have information you need organized by state.

Home Security of America home warranty terms and conditions clearly described all plan costs, service fees and deductibles, what items are excluded from coverage, and what the cancellation policy is. Please note that the contract will be renewed automatically if you not cancel it on time.
Info How to find
Plans Home Page---> Homeowners --> Coverage and Cost
Prices Home Page---> Homeowners --> Coverage and Cost
Service Fees Home Page---> Homeowners --> Coverage and Cost
Policy Home Page---> Homeowners --> Coverage and Cost --> View Brochure
What is covered Home Page---> Homeowners --> Coverage and Cost --> View Brochure
What is not covered Home Page---> Homeowners --> Coverage and Cost --> View Brochure
Dollar limits Home Page---> Homeowners --> Coverage and Cost --> View Brochure
Term Tricky?
Services fee No
Exluded items No
Cancellation No
Renewal Automatic if not cancelled
Pre inspection Not clear
Waiting time 48 hours to get a call, not to get service
Rating: Great!
5 Stars

Summary

Home Security of America is a well-known company on the home warranty market. It has been around for more than 30 years providing coverage for the customersā€™ home systems and appliances and saving them substantial amounts of money on repairs and replacements. The company provides services in most states, except Alaska, California, Louisiana, New York, Oklahoma, and West Virginia.
The company provides coverage on different levels, from basic plan that covers only essential home systems, such as heating, plumbing and electricity and some kitchen appliances, such as oven, dishwasher and garbage disposal, to 7 Star Upgrade and optional add-ons available home buyers only. Overall, the customers are satisfied with HSA home warranty, rating it 2.83 out of 5 stars on Better Business Bureau website. Home Security of America BBB customer review rating is B.