Frequently Asked Questions

What is a home warranty?

An HSA Home Warranty is a one-year service contract that covers components of your home systems and appliances when they break down — items that most homeowners insurance plans do not cover. Consider a home warranty the perfect complement to homeowners insurance, not a substitute for it.

I have homeowners insurance. How is an HSASM Home Warranty different?

Unlike homeowner's insurance, an HSA Home Warranty is a service contract that covers essential applications and home system components when they break down due to normal wear and tear - items that most homeowners insurance plans do not cover.  Consider it the perfect complement to this standard insurance, not a substitute for it.  Discover the confidence of an HSA Home Warranty today.

What’s covered?

Coverage varies depending on where you live. Items available for coverage typically include: central air conditioning systems, central heating systems, kitchen appliances, clothes washer and dryer, plumbing system, electrical system and roof leaks. Many of these items are included in the standard plan of the warranty. 

See the plan contract at for coverage details, including service fees, limitations and exclusions. Charges for non-covered items may apply.

How is this different from a manufacturer warranty?

In new homes, the manufacturer warranty covers the failed part but not the necessary labor for proper repair or installation after the first year of ownership. If your appliances have a manufacturer warranty on them, HSA may help provide the peace of mind manufacturer warranties don’t by covering both parts and labor. Plus, the cost of individual manufacturer warranties can be very high; with HSA, you have one plan, one low premium and one number to call for service. 

Do I need a home inspection before I enroll?

No. HSA Home Warranty does not require a home inspection in order to enroll for a home warranty. However, covered items must be properly installed, properly maintained and in good working condition at the time of application in order to qualify for coverage. Pre-existing conditions are not covered under the HSA Home Warranty plan.

When does coverage begin?

If you purchase the home warranty at the time you are buying a home, coverage begins the day of the closing.

How long does the HSA Home Warranty coverage last?

The HSA Home Warranty contract is in effect for 12 months.

What happens if I sell my house while the warranty is in effect?

Any remaining coverage will transfer to the new buyer as of the date of closing at no additional cost (where permitted by law). The buyer will be covered for the remaining months left on the contract. For example: If you have 10 months of coverage remaining at the time of closing, your buyer would be covered for 10 months. The buyer will also have the option to renew at the end of the original contract term. You can also decide to renew early in order to provide the additional coverage to your buyer. If you would like to provide a full 12 months of coverage to the buyer, you can add the remaining difference at closing. It’s up to you!

How do I transfer coverage to the new buyer?

Simply call HSA at 1-800-367-1448 and notify us of the closing date and the buyer’s name. For security purposes, we ask that you send us a copy of the settlement statement to prove transfer of ownership. You can fax it to 1-800-329-2478.

What do I do if I have a mechanical failure?

Contact us by calling 1-800-367-1448 or go online to before you contact a repair company. Knowledgeable, customer service representatives are ready to help you.

Will HSA provide a service contractor for my repair?

Yes. HSA provides qualified service contractors who will contact you to schedule an appointment that works for you.

Is there a service fee?

Yes, there is a trade service fee which is payable at the time of service. The amount of the fee is determined by the product available in your location. Trade call means each visit by an authorized repair contractor. The trade service fee applies to all approved costs, including service call charges. If multiple visits are required for the same repair, you will not be charged an additional trade service fee.

Is everything covered under the warranty?

There are some items and services that are not available for coverage. Non-mechanical items such as windows, walls and doors are not covered. HSA is not responsible for normal maintenance services such as replacing the filter in your furnace or periodically flushing the sediment build-up through your water heater. Failure to do these basic things will cause damage to your systems. If a system has not been maintained, HSA is not responsible for the repair. Improper installation and pre-existing conditions are also excluded. Some of these exclusions may be covered in the upgrade package.  Please refer to your contract for coverage details.  Also reference the Limitations of Liability section of the sample contract for complete details or call our customer service center at 1-800-367-1448. We are here to answer your questions!

If HSA approves a claim, will they cover all expenses?

In most instances, you will be responsible only for the trade call fee. However, there are some installation charges that are not covered, such as modifications to fit the new system in the existing space. These are additional charges that you may incur. Please read your contract for complete terms and conditions or call us at 1-800-367-1448.