Аdvertiser Disclosure

Home Security of America Review

Home Security of America, also known as HSA Home Warranty, is a well-known home warranty company that offers coverage in Georgia, Illinois, Indiana, Kentucky, Tennessee, Virginia, and other states. Among many HSA home warranty reviews that mention mostly commercially appealing information, our review stands out because we have prepared a comprehensive report on this company using information from multiple sources including HSA reviews on consumer reporting sites, and every detail, including the fine print in the HSA home warranty brochure. Please read our review carefully before you sign a contract with this company in order to avoid any unpleasant surprises later.

Official website:
Home Security of America Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Pros And Cons
  • Vast social media presence
  • Clients praised prompt response
  • Short repair timeframe
  • Reservice for failed repairs
  • Market veteran

  • Tricky terms and conditions
  • Considerable negative feedback
  • Low contractor ability reported
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Covered Appliances and Systems
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view more
Air conditioner
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Covered as optional (up to $1,500.00)
Heating system
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Covered as optional (up to $1,500.00)
Ductwork
Not covered
Humidifier
Not covered
Air cleaner
Covered as optional
Vacuum
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Refrigerator
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Covered as optional
Refrigerator ice maker
Not covered
Free-standing ice maker
Not covered
Wine refrigerator
Not covered
Stand-alone freezer
Not covered
Microwave
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Oven
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Dishwasher
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Water dispenser
Not covered
Trash compactor
Not covered
Disposal
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Cooktop exhaust fan
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Ceiling fan
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Attic fans
Not covered
Bath exhaust fan
Not covered
Whole house fan
Not covered
Washer
Covered as optional
Dryer
Covered as optional
Plumbing
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Plumbing stoppages
Not covered
Water heater
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Water purification
Not covered
Water softener
Covered as optional
Well pump
Covered as optional (up to $600.00)
Toilet
Not covered
Septic
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Sump pump
Not covered
Septic tank pumping
Not covered
Outside sewer line
Not covered
Outside water line
Not covered
Electrical
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Generator
Not covered
Garage door
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Doorbell
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Alarm
Covered by Basic Plan, Basic Plan, year 2, Basic Plan, year 2 through 4
Outside electrical line
Not covered
Outside gas line
Not covered
Pool
Covered as optional (up to $1,000.00)
Spa
Covered as optional (up to $1,000.00)
Pests
Not covered
Sprinkler
Not covered
Roof leaks
Covered as optional (up to $500.00)
our overall rating 72.30%
Updated for Jun 16, 2019
Facts and Figures
  • Effective in15 days
  • Hours 24/7
  • Cancellation?
  • Premium $195 - $475
  • Deductible$75 - $100
  • Limits?
Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions:
  • Editor Rating:
  • Reader Rating:
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Our Top-Rated Alternatives to Home Security of America

  # 1 Select Home Warranty
Editorial Rating 98.5
  • 24/7 service calls
  • Great annual promotions
  • Plans under $30/month
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 2 Choice Home Warranty
Editorial Rating 96.8
  • 24/7 service calls
  • Market veteran
  • Large and established firm
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 3 Total Home Protection
Editorial Rating 91.2
  • Multiple optional coverage items
  • 24/7 service calls
  • Clear terms and conditions
  • Free cancellation within 30 days
  • Emergency service available
  • Clients praised communication
Editorial Notes

Home Security of America has been providing home warranty services for over thirty years. It offers coverage for the most essential home systems and appliances at an affordable cost. Unlike many home warranty companies that start coverage a month after the contract has been signed, HSA home warranty becomes effective in 15 days. The customers have an option to select higher deductibles and lower premiums, and vice versa.

Our HSA home warranty review notes that many clients find it helpful that the company’s customer service is available 24/7, and the repair time frame is two business days. However, there was a number of complaints about contractor quality of work, and tricky terms and conditions. HSA is accredited by Better Business Bureau, which contributes to its reputation. HSA home warranty BBB rating is B.

We encourage you to read this Home Security of America review and advertiser disclosure carefully. This information will help you make an informed decision about buying a home warranty coverage for your home systems and appliances. 

Summary rating:
Premium cost level:
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Trustworthiness

What is HSA home warranty? Home Security of America is a sister company of the American Home Shield Corporation, leader of the home warranty market. Established in 1984 in Wisconsin, the company now accepts customers in 23 states, including Kansas, Illinois, Georgia, Virginia, and Ohio. HSA is a sister company of American Home Shield and Landmark Home Warranty.

Legal
Ownership
Home Security of America, Inc; American Home Shield Corporation; ServiceMaster Global Holdings, Inc; Frontdoor, Inc.
Established
1984
CEO
Robert Lehmann
Registered in
Cross Plains, WI
Address
Home Security of America, Inc. P.O. Box 849 Carroll, IA 51401
Available states
Full list of states
Alaska, Delaware, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Missouri, New Jersey, North Carolina, North Dakota, Ohio, South Carolina, Tennessee, Virginia, West Virginia, Wisconsin, District of Columbia
Type of company (private, public)
Private
Mediation and arbitration bodies
-
Accessibility
How to contact
Main page >> Contact
Online chat
No
Social media

For a free quote or to file a claim, you may contact the HSA warranty online via the contact form or by phone, whichever works best for you. HSA home warranty phone number is listed on their website and may vary by state. The company has accounts on Twitter, Google+, and Facebook, so the HSA authorities or customer service representatives can be reached by Messenger as well.

Benchmarks
Home Security of America
Other companies
Company size
1,500
0
1,650
Annual revenue
$1,160,000,000
0
$1,276,000,000
Number of homeowners
No data
0
2,200,000
Number of BBB complaints closed within last 3 years
10,661
0
12,770
Traffic
24,200
0
383,900
Number of independent contractors
15,000
0
44,000
Reputation
BBB accreditation
B (Accredited)

Home Security of America has successfully resolved more than 10,000 complaints with the BBB within the last three years, and has earned accreditation and a B rating.

Trustworthiness Rating
4.3 / 5.0
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Coverage

HSA provides home warranty coverage that benefits both home sellers and home buyers. Many sellers prefer to have their house covered while it is on the market to increase their property’s value, as most buyers prefer to buy a house already covered under a home warranty. This gives the buyers of HSA warranty a peace of mind and saves them money on house systems, appliance repairs, and replacements.

HSA home warranty plans include several options. Option 1 is the Basic plan and is available for both home buyers and sellers. (The buyers-only option, Option 2, is cheaper while no sellers-only option is available.) The Basic plan covers all major home systems except the septic system which can be added as optional coverage for an extra price. Some major kitchen appliances are also covered. Please note that a refrigerator and washer and dryer are not included in the Basic plan but can be added to it as well as a home freezer, water softener, ice maker, hot tub, swimming pool, and other items.

Option 2 is buyers-only and is called Buyer 7 Star Upgrade. This plan expands coverage of all home systems and appliances covered under the Basic plan and also includes up to $250 of coverage for the fixing of code violations, and $500 toward central heat, air, or water heater, and many additional items.

Additionally, HSA customers may include optional items in their coverage, such as air cleaner, water softener, washer and dryer, swimming pool, and roof leak. All these items are priced separately. All items from the Optional Coverage section, such as roof leaks, swimming pool and hot tub, septic system, washer and dryer, and more, are available for buyers only.

Summary of plans and coverage:
Coverage Term
Service Call Fee
Items
Limit
Silver Combo Plan
Optional Coverage
Premium Amount
$585.00
$30.00 - $150.00
 
Coverage
$500.00 - $1,000.00
64%
19%
Coverage details
Air conditioner
-
$50.00
Details
Covered by HSOA
  • Electric units
  • Refrigerated or evaporative units
  • Packaged systems
  • Heat pumps
  • Geothermal system and water source heat pump system “Component Parts” located
  • within the “Interior” of the residence
  • Glycol systems, water source and geothermal heat pump systems
  • Thermostat, ductwork from cooling unit to point of attachment at registers or grills
Not Covered by HSOA
  • Gas units, systems with compressors larger than five tons
  • Outside/underground piping, well pump and “Component Parts” 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
Alarm
-
Details
Covered by HSOA
  • Burglar alarms
  • Fire alarms
Not Covered by HSOA
  • Smoke alarms
Ceiling fan
-
Details
Covered by HSOA
  • Ceiling fans
Not Covered by HSOA
  • Exhaust equipment mounted on the roof (i.e. turbine ventilator)
Cooktop exhaust fan
-
Details
Covered by HSOA
  • Permanently installed “Interior” attic and exhaust fans used for the intake and output of air excluding belts, shutters and filters
  • Ceiling fans
Not Covered by HSOA
  • Exhaust equipment mounted on the roof (i.e. turbine ventilator)
Dishwasher
-
Details
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Disposal
-
Details
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Doorbell
-
Details
Covered by HSOA
  • Door bell systems which are not part of an intercom system
Not Covered by HSOA
  • Intercom systems
Electrical
-
Details
Covered by HSOA
  • 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
  • Buyer only:
  • Lighting fixtures
Not Covered by HSOA
  • Any failure in the central electrical system caused by non-covered electrical wiring or components
  • Direct current (D.C.) wiring or components and/or low voltage systems including wiring and relays
  • Telephone wiring
  • Chandeliers
Garage door
-
Details
Covered by HSOA
  • Garage door opener (2 systems maximum) includes track assembly and carriage unit if part of the opener unitd
Not Covered by HSOA
  • Garage door: cables, rollers, hinges, springs, keypads, remote transmitter units or door replacement
Heating system
-
$50.00
Details
Covered by HSOA
  • 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
  • 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 humidifiers, thermostats, ductwork from heating unit to point of attachment at registers or grills
Not Covered by HSOA
  • 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
Microwave
-
Details
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Oven
-
Details
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Plumbing
-
Details
Covered by HSOA
  • Leaks and breaks of water supply lines, gas lines, drain and waste lines, 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
  • Faucet and shower head assemblies and their respective “Component Parts” 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 builder’s standard as necessary
  • Pressure regulators
  • Wax ring seals
  • Toilet fixture and water tank (replaced with builder’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 HSOA
  • Ejector/lift pumps
  • Basket strainers
  • Shower base pans
  • Shower enclosures or doors
  • Sinks
  • Tubs
  • Drain tile/French drains
  • Sprinkler systems
  • Water well/cistern
  • Water softener
  • Water filter/purifier
  • Bidets
  • Failures due to salt, mineral beds or deposits
  • Caulking, grouting, or tiles
  • Lines or parts lying within an unheated area
  • Drain line stoppages caused by roots
  • Installing a clean-out or pulling/re-setting a toilet to access a drain line stoppage
  • Routing through roof vents
Refrigerator
-
$30.00
Details
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Septic
-
Details
Covered by HSOA
  • Ejector/lift pump
  • Failures to the septic system electrical wiring, lines, tank, and dry (refuse) well
Not Covered by HSOA
  • 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.
Vacuum
-
Details
Covered by HSOA
  • Motor and relay switches
Not Covered by HSOA
  • Central vacuum hoses or accessories
  • Lines or conditions of inadequate capacity
Water heater
-
Details
Covered by HSOA
  • Tank
  • Heat elements
  • Thermostat
  • Valves
  • Flue piping
  • Failures due to sediment build-up
  • Electrical or gas connections
  • Includes tankless water heaters
Not Covered by HSOA
  • Solar/solar-assisted water heating units
  • Circulating pumps
  • Expansion tanks
  • Energy conservation flues and vents
Spa
$1,000.00
$150.00
Details
Covered by HSOA
  • Filter
  • Heater
  • Pump
  • Motor
  • Gaskets
  • Relays
  • Jets
  • Impellers
  • Valves
Not Covered by HSOA
  • 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
Pool
$1,000.00
$150.00
Details
Covered by HSOA
  • Heaters which do not have a compressor as a component
  • Filter
  • Pump
  • Motor
  • Gaskets
  • Relays
  • Impellers
  • Back flush valve
  • Above ground plumbing lines leading to and from the swimming pool
Not Covered by HSOA
  • 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
Well pump
$600.00
$75.00
Details
Covered by HSOA
  • “Operational Failures” occurring more than thirty (30) days after the inception date of buyer/buyer direct coverage including access, diagnosis, repair and/or replacement
Not Covered by HSOA
  • 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 all “component parts”
Washer
-
$70.00
Details
Covered by HSOA
  • All “Component Parts” including control timers
Not Covered by HSOA
  • 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
  • Rrollers
  • Light bulbs
  • Buckets
Dryer
-
$70.00
Details
Covered by HSOA
  • All “Component Parts” including control timers
Not Covered by HSOA
  • 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
  • Rrollers
  • Light bulbs
  • Buckets
Roof leaks
$500.00
$45.00
Details
Covered by HSOA
  • Shingles (cedar or asphalt)
  • Built up roofing
  • Slate
  • Tile
Not Covered by HSOA
  • 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
  • Downspouts
  • Skylight or skylight flashing repairs for leaks or any other damage
Water softener
-
$40.00
Details
Covered by HSOA
  • All “Component Parts” including electrical wiring
Not Covered by HSOA
  • Rental or leased equipment
  • Repair or replacement of water softener necessitated by mineral beds or
  • deposits
  • Cleaning
Air cleaner
-
$35.00
Details
Covered by HSOA
  • Transformer
  • Power pack
  • Switches, wires and elements
Not Covered by HSOA
  • Free standing units
  • Mesh filters
  • Back flush mechanisms
  • Self-cleaning units
Premium Amount
Silver Combo Plan
64%
$585.00
COVERAGE DETAILS
Air conditioner
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$50.00
Expand
Covered by HSOA
  • Electric units
  • Refrigerated or evaporative units
  • Packaged systems
  • Heat pumps
  • Geothermal system and water source heat pump system “Component Parts” located
  • within the “Interior” of the residence
  • Glycol systems, water source and geothermal heat pump systems
  • Thermostat, ductwork from cooling unit to point of attachment at registers or grills
Not Covered by HSOA
  • Gas units, systems with compressors larger than five tons
  • Outside/underground piping, well pump and “Component Parts” 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
Alarm
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Burglar alarms
  • Fire alarms
Not Covered by HSOA
  • Smoke alarms
Ceiling fan
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Ceiling fans
Not Covered by HSOA
  • Exhaust equipment mounted on the roof (i.e. turbine ventilator)
Cooktop exhaust fan
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Permanently installed “Interior” attic and exhaust fans used for the intake and output of air excluding belts, shutters and filters
  • Ceiling fans
Not Covered by HSOA
  • Exhaust equipment mounted on the roof (i.e. turbine ventilator)
Dishwasher
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Disposal
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Doorbell
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Door bell systems which are not part of an intercom system
Not Covered by HSOA
  • Intercom systems
Electrical
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • 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
  • Buyer only:
  • Lighting fixtures
Not Covered by HSOA
  • Any failure in the central electrical system caused by non-covered electrical wiring or components
  • Direct current (D.C.) wiring or components and/or low voltage systems including wiring and relays
  • Telephone wiring
  • Chandeliers
Garage door
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Garage door opener (2 systems maximum) includes track assembly and carriage unit if part of the opener unitd
Not Covered by HSOA
  • Garage door: cables, rollers, hinges, springs, keypads, remote transmitter units or door replacement
Heating system
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$50.00
Expand
Covered by HSOA
  • 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
  • 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 humidifiers, thermostats, ductwork from heating unit to point of attachment at registers or grills
Not Covered by HSOA
  • 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
Microwave
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Oven
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Plumbing
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Leaks and breaks of water supply lines, gas lines, drain and waste lines, 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
  • Faucet and shower head assemblies and their respective “Component Parts” 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 builder’s standard as necessary
  • Pressure regulators
  • Wax ring seals
  • Toilet fixture and water tank (replaced with builder’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 HSOA
  • Ejector/lift pumps
  • Basket strainers
  • Shower base pans
  • Shower enclosures or doors
  • Sinks
  • Tubs
  • Drain tile/French drains
  • Sprinkler systems
  • Water well/cistern
  • Water softener
  • Water filter/purifier
  • Bidets
  • Failures due to salt, mineral beds or deposits
  • Caulking, grouting, or tiles
  • Lines or parts lying within an unheated area
  • Drain line stoppages caused by roots
  • Installing a clean-out or pulling/re-setting a toilet to access a drain line stoppage
  • Routing through roof vents
Refrigerator
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$30.00
Expand
Covered by HSOA
  • All “Component Parts” including timers that affect the primary function of the appliance
Not Covered by HSOA
  • Drain
  • Сondensate line clearing
  • 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
  • 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
Septic
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Ejector/lift pump
  • Failures to the septic system electrical wiring, lines, tank, and dry (refuse) well
Not Covered by HSOA
  • 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.
Vacuum
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Motor and relay switches
Not Covered by HSOA
  • Central vacuum hoses or accessories
  • Lines or conditions of inadequate capacity
Water heater
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
Expand
Covered by HSOA
  • Tank
  • Heat elements
  • Thermostat
  • Valves
  • Flue piping
  • Failures due to sediment build-up
  • Electrical or gas connections
  • Includes tankless water heaters
Not Covered by HSOA
  • Solar/solar-assisted water heating units
  • Circulating pumps
  • Expansion tanks
  • Energy conservation flues and vents
Spa
Expand
Limit
$1,000.00
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$150.00
Expand
Covered by HSOA
  • Filter
  • Heater
  • Pump
  • Motor
  • Gaskets
  • Relays
  • Jets
  • Impellers
  • Valves
Not Covered by HSOA
  • 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
Pool
Expand
Limit
$1,000.00
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$150.00
Expand
Covered by HSOA
  • Heaters which do not have a compressor as a component
  • Filter
  • Pump
  • Motor
  • Gaskets
  • Relays
  • Impellers
  • Back flush valve
  • Above ground plumbing lines leading to and from the swimming pool
Not Covered by HSOA
  • 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
Well pump
Expand
Limit
$600.00
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$75.00
Expand
Covered by HSOA
  • “Operational Failures” occurring more than thirty (30) days after the inception date of buyer/buyer direct coverage including access, diagnosis, repair and/or replacement
Not Covered by HSOA
  • 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 all “component parts”
Washer
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$70.00
Expand
Covered by HSOA
  • All “Component Parts” including control timers
Not Covered by HSOA
  • 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
  • Rrollers
  • Light bulbs
  • Buckets
Dryer
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$70.00
Expand
Covered by HSOA
  • All “Component Parts” including control timers
Not Covered by HSOA
  • 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
  • Rrollers
  • Light bulbs
  • Buckets
Roof leaks
Expand
Limit
$500.00
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$45.00
Expand
Covered by HSOA
  • Shingles (cedar or asphalt)
  • Built up roofing
  • Slate
  • Tile
Not Covered by HSOA
  • 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
  • Downspouts
  • Skylight or skylight flashing repairs for leaks or any other damage
Water softener
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$40.00
Expand
Covered by HSOA
  • All “Component Parts” including electrical wiring
Not Covered by HSOA
  • Rental or leased equipment
  • Repair or replacement of water softener necessitated by mineral beds or
  • deposits
  • Cleaning
Air cleaner
Expand
Limit
Silver Combo Plan
Silver Combo Plan
Silver Combo Plan
Optional Coverage
$35.00
Expand
Covered by HSOA
  • Transformer
  • Power pack
  • Switches, wires and elements
Not Covered by HSOA
  • Free standing units
  • Mesh filters
  • Back flush mechanisms
  • Self-cleaning units

Heating System

HSA Home Warranty covers up to two 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, HSA warranty 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 under the HSA warranty. In addition, up to two garage door openers, ceiling fans, central vacuum motor, doorbells, burglar and fire alarms, and lighting fixtures are also covered. It should be noted that a claim for failure of the central electrical system caused by noncovered electrical wiring or components will not be honored.

Plumbing System

Home Security of America covers all interior leaks and breaks of water supply lines, gas lines, drain, and waste lines. Plumbing stoppages will be cleared with rotary machinery through an accessible cleanout. Additionally, toilet and water tank, pressure regulators, valves, sinks, and tubs are covered by HSA as well. Coverage for the 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 of these appliances in the primary kitchen only: oven/range, dishwasher, garbage disposal, built-in microwave, and trash compactor. HSA warranty 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 a Buyer 7 Star Upgrade plan that will cover more parts and components of their home systems and appliances. Optional HSA home warranty coverage is available for the septic system, roof leaks, water well pump, washer and dryer, refrigerator, and other items.

Coverage Rating
3.7 / 5.0
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The Fine Print
Item
Value
Comparison to Industry
Coverage effective after
15 days
Below industry average
Expand
1
24.40
15
31
Cancellation with refund within
Unknown days
n/a
Expand
Unknown data
Cancellation fee
$Unknown
n/a
Expand
Unknown data
Automatic policy renewal
Yes
As 94.6% of industry
Expand
Time to cancel automatic renewal
Unknown days
n/a
Expand
Unknown data
Fee for contract transfer
$Unknown
n/a
Expand
Unknown data
Max time to submit claim
Unknown days
n/a
Expand
Unknown data
Repair timeframe
2 business days
At industry maximum
Expand
1
1.87
2
2
Repair timeframe (weekends and holidays)
Unknown days
n/a
Expand
Unknown data
Free second opinion
Unknown
n/a
Expand
Unknown data
Emergency service available
Unknown
n/a
Expand
Unknown data
Hours for service calls
24/7
As 85.2% of industry
Expand
Reservice if repairs fail
Yes
Standard for industry
Expand
Free reservice period (parts)
90 days
Above industry average
Expand
30
89.11
90
365
Free reservice period (labor)
30 days
At industry minimum
Expand
30
60.23
30
365

HSA home warranty brochure does not disclose information about cancellation time and fees or timeframes for claim submissions and repairs. However, we were able to learn that the company’s coverage becomes effective fifteen days after you have signed the contract, which is less than the industry average. In other words, you will be able to get HSA home warranty coverage faster than with many other home warranty companies.

Home Security of America is accessible 24/7, and the repair time frame is two business days, which is an industry maximum. In case something goes wrong and reservice is needed, it will be free for 30 days for labor, and 90 days for the replacement parts.

The Fine Print Rating
4.2 / 5.0
Not available through RHW
Click Here to View Alternatives
Feedback
Summary of ratings from popular review sites:
Home Security of America
Industry Average
Website
Numbers of Reviews
Relative Score
Adjusted Score
Yelp
Numbers of Reviews
156
156
Relative Score
2.0
1.7
Adjusted Score
2.8
Complaints Board
Numbers of Reviews
24
225
Relative Score
1.0
1.0
Adjusted Score
2.4
Ripoff Report
Numbers of Reviews
12
26
Relative Score
1.0
1.0
Adjusted Score
2.4
Pissed Consumer
Numbers of Reviews
11
146
Relative Score
1.3
1.4
Adjusted Score
2.3
BBB
Numbers of Reviews
4042
344
Relative Score
2.4
2.8
Adjusted Score
2.1
Google Reviews
Numbers of Reviews
784
484
Relative Score
2.3
3.2
Adjusted Score
1.8
YSCAM
Numbers of Reviews
1
11
Relative Score
1.0
1.0
Adjusted Score
2.4
Complaints List
Numbers of Reviews
21
12
Relative Score
1.4
1.1
Adjusted Score
2.9
Main takeaway points from customer feedback:
Home Security of America
Industry Average

We have collected almost 1,000 HSA home warranty reviews from eight consumer reporting sites, including Yelp and Google Reviews. Overall, 23% of the customers reported a negative experience with the company’s customer service with phone calls being put on hold for long periods and a slow reaction to the claims.  Another 14% reported repair delays, and 9% complained about claim denials. Happy customers, on the other hand, noted the politeness of the HSA home warranty customer service and professionalism of the contractors that came to repair the issues. Nine percent of the customers reported goof and fast work on their heating systems, air conditioner, plumbing, and various home appliances.

Feedback Rating
3.2 / 5.0
Not available through RHW
Click Here to View Alternatives
The Final Words

Home Security of America (HSA) is a well-known company in the home warranty market. It has been around for more than thirty years providing coverage for their customers’ home systems and appliances, saving them substantial amounts of money on repairs and replacements. The company offers services in 23 states.

The HSA warranty provides coverage on different levels, from the Basic plan that covers only essential home systems, such as heating, plumbing, and electricity and some kitchen appliances, such as an oven, dishwasher, and garbage disposal, to a 7 Star Upgrade and optional add-ons available to home buyers only. 

HSA home warranty reviews that we collected from multiple consumer reporting sites were ambiguous. On the one hand, the customers were happy about the fast and good work of contractors, but on the other hand, they had communication problems with HSA customers support and their repairs were delayed.

To get a free quote from HSA home warranty, you can either give them a call or contact them online via the contact form. Alternatively, you may check our reviews of the best home warranty companies and then make your selection.

Ratings
  • Trustworthiness:
  • Plans and Coverage:
  • Feedback:
  • The Fine Print:
  • Promotions: