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.

Updated for Apr 28, 2019

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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
Plans and Coverage:
The Fine Print:
Editor Rating:
Reader Rating:
Covered Appliances and Systems
Facts and Figures
15 days
Effective in
$195 - $475
$75 - $100
Pros And Cons
Market veteran
Large and established firm
24/7 service calls
Lower chance of claim denial
Reservice for failed repairs

Tricky terms and conditions
Considerable negative feedback
Online chat not supported
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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
  • Market veteran
  • Large and established firm
  • Emergency service available
  • Free cancellation within 30 days
  • 24/7 service calls
  • Reservice for failed repairs
  # 3 Total Home Protection
Editorial Rating 91.2
  • Emergency service available
  • Free cancellation within 30 days
  • 24/7 service calls
  • Multiple optional coverage items
  • Clients praised communication
  • Reservice for failed repairs

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.

Premium cost level:
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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.


How to contact
Main page >> Contact
Online chat
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
0 1,650
Annual revenue
0 $1,276,000,000
Number of homeowners
No data
0 2,200,000
Number of BBB complaints closed within last 3 years
0 14,850
0 383,900
Number of independent contractors
0 44,000


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.

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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
ItemsLimit Silver Combo Plan Silver Combo Plan Silver Combo Plan Optional Coverage
Premium Amount - $585.00 $475.00 $475.00 $445.00 $30.00 - $150.00
Service Call Fee - $75.00 $75.00 $75.00 $100.00 -
Term, Month - 36 12 12 12 12
Coverage$500.00 - $1,000.00

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.

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The Fine Print

Comparison to Industry
Coverage effective after
Below industry average
Cancellation with refund within
Cancellation fee
Automatic policy renewal
As 94.6% of industry
Time to cancel automatic renewal
Fee for contract transfer
Max time to submit claim
Repair timeframe
At industry maximum
Repair timeframe (weekends and holidays)
Free second opinion
Emergency service available
Hours for service calls
As 85.2% of industry
Reservice if repairs fail
Standard for industry
Free reservice period (parts)
Above industry average
Free reservice period (labor)
At industry minimum

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.

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Customer Reviews and Feedback

Quotes from actual customer reviews:

Absolutely fantastic and timely customer service will always recommend using and will continue using myself

Google Reviews, October 1, 2018

We reported to HSA that our air conditioner wasn't working the first week of June. They didn't send anyone out until June 8. Then, they say they didn't order a new unit until June 12. It is now June 22nd and we have yet to get a call from HSA letting us know whether the unit will arrive to the HVAC company.

Ripoff Report, New York, New York June 22, 2015

Summary of ratings from popular review sites:

Home Security of America Industry Average


Relative Score

Adjusted Score

Complaints Board
Ripoff Report
Pissed Consumer
Google Reviews
Complaints List

Summary Rating

Types of repairs performed according to customer feedback:

Air conditioner Heating system Plumbing Water heater Oven Dishwasher Toilet Septic Pump Pool Roof leaks Microwave Refrigerator Sump pump Garage door Disposal Spa

Main takeaway points from customer feedback:

Home Security of America
Industry Average
Good work
Professional contractor
Good communication
Money offer
Fast work
Act of good faith
Communication problems
Repair delay
Claim denial
Tricky terms
Unexpected costs
Unprofessional contractor
Payment delay

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.

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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.

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Plans and Coverage:
The Fine Print:
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