Home Security of America Review (2020)

By Natalie Yerger

Home Security of America (HSA) is one of the oldest home warranty companies in the industry and helps homeowners remove the stress of finding a local technician to repair or replace broken systems and appliances in their home.

To better understand the pros and cons of Home Security of America, we’ve created this 2020 HSA review that includes an overview of the home warranty company, information about plans and pricing, and a summary of Home Security of America reviews. Keep reading to learn if Home Security of America is the best home warranty for you.

  • Claim service available 24 hours a day, 7 days a week
  • BBB accredited business
  • Marketing materials available to real estate agents
Pros  Cons
Been in business for 41 years

Doesn’t require a home inspection to get coverage

If you purchase the home warranty when buying a home, coverage begins the day of closing

Doesn’t cover basic appliances like a washer and dryer under basic coverage

Doesn’t have nationwide coverage

Home Security of America plans, coverage, and cost

Home Security of America offers two plans—the Basic Coverage Plan and the Buyer 7 Star Upgrade—at an average cost of $40–$53 a month. HSA also offers optional coverage for items such as your swimming pool, washer, and dryer for an additional cost.

The actual price you pay for your home warranty plan will depend on where you live, the length of your contract, and the protection plan you choose.

Basic Coverage Plan: $40.00 per month ($480.00 per year). This option is available for both home buyers and sellers and covers most major home systems and appliances.

  • Central heat/air conditioning
  • Ductwork and attached humidifier
  • Water heater
  • Instant hot water dispenser
  • Plumbing parts
  • Primary sump pump
  • Faucets
  • Water, gas, drain, and waste lines
  • Polybutylene leaks
  • Toilets (toilet tank, bowl, and wax ring seals)
  • Whirlpool bathtub
  • Electrical system
  • Garage door opener
  • Ceiling fans, interior attic fans, and exhaust fans
  • Refrigerator
  • Oven
  • Stovetop/range
  • Dishwasher
  • Garbage disposal
  • Built-in microwave
  • Trash compactor
  • Failures due to lack of maintenance
  • Failures due to rust and corrosion
  • Failures due to water heater sediment
  • Septic system
  • Light fixtures
  • Central vacuum
  • Burglar alarms, fire alarms, and doorbell systems

Note: Under the Basic Coverage Plan for Sellers, the septic system, lighting fixtures, central vacuum, burglar alarms, fire alarms, and doorbell system aren’t covered. Customers may add on central heat, air conditioning, ductwork, and an attached humidifier onto their plan for an additional $50 a month.

Buyer 7 Star Upgrade: $37.50 per month ($450.00 per year). Available for buyers only, this upgrade covers everything in the Basic Coverage Plan, plus items like smoke alarms and permits up to $250.

  • Central heat/air conditioning (with additional coverage for registers, grills, filters, heat lamps, refrigerant recovery, and non-ducted/wall air conditioners)
  • Ductwork and attached humidifier
  • Water heater
  • Instant hot water dispenser
  • Plumbing parts
  • Primary sump pump
  • Faucets
  • Water, gas, drain, and waste lines
  • Polybutylene leaks
  • Toilets replaced with like quality (toilet tank, bowl, and wax ring seals)
  • Whirlpool bathtub
  • Electrical system
  • Garage door opener (with coverage for hinges, springs, keypad, and remote transmitter)
  • Ceiling fans, interior attic fans, and exhaust fans
  • Refrigerator (with coverage for refrigerant recovery and ice makers)
  • Oven/Stovetop/Range (with coverage for interior lining, clocks, rotisseries, racks, handles, knobs, and dials)
  • Dishwasher (with coverage for racks, baskets, and rollers)
  • Garbage disposal
  • Built-in microwave (with coverage for interior lining, door glass, clock, and shelves)
  • Trash compactor (with coverage for lock/key assembly and bucket)
  • Smoke alarms
  • Failures due to lack of maintenance
  • Failures due to rust and corrosion
  • Failures due to water heater sediment
  • Septic system
  • Light fixtures
  • Central vacuum
  • Burglar alarms, fire alarms, and doorbell systems
  • Crane charges for rooftop air conditioning or heating replacement
  • $250 toward code violations
  • $500 toward modifications on central heat, air, or water heater
  • Permits up to $250 per occurrence
  • Disposed of replaced equipment
  • Mismatched heating and/or air conditioning system
  • Improper installation/repair

Optional coverage: In addition to the HSA plans above, buyers can add on optional coverage to their plan for the following items.

  • Water softener: $40
  • Water well pump: $75
  • Electronic air cleaner: $35
  • Clothes washer and dryer: $70
  • Home freezer: $30
  • Roof leaks: $45
  • Hot tub: $150
  • Swimming pool: $150
  • Pool/hot tub combination: $175

With regard to payment and fees, you can expect to pay a $75 service fee with each trade call. If multiple visits are required for the same repair, you won’t be charged an additional $75 for each visit.

In some cases, Home Security of America customers may be responsible to pay contractors directly and seek reimbursement from HSA afterward. HSA promises to reimburse its customers within 30 days of receipt of a paid invoice from the service contractor. You can send receipts and other proofs of payment by fax or mail, but not by email.

Price of Home Security of America vs. competitors

This graph represents the monthly premium customers would pay under HSA's most basic plan against what they would pay for competitor plans. Note: these prices do not include the service fee amount.

Details for top Home Security of America systems and appliances

Our team at House Method wanted to understand what customers value most when it came to home warranty coverage, so we surveyed 1,000 homeowners and asked them which home systems and appliances held the most importance.

The findings revealed that the top systems and appliances people care about are the electrical, plumbing, air conditioning, refrigerator, washer/dryer, and oven/stove/range.

Here’s what that coverage looks like under a Home Security of America home warranty plan.

Air conditioning

Customers can get air conditioning coverage under the Basic Coverage Plan for Buyers (sellers may add on coverage for this system at an additional cost). If a buyer upgrades their plan, they’ll receive coverage for registers, grills, filters, heat lamps, refrigerant recovery, non-ducted air conditioners, and wall A/C units. Note: most home warranty companies don’t offer coverage for wall air conditioners, so this is an advantage to HSA.

Electrical

Here are the electrical items covered under a Home Security of America home warranty: interior wiring, main service panels, receptacles, fuses, outlets, and switches. With the Buyer Upgrade, lighting fixtures are also covered—another item that isn’t typically covered by home warranty companies.

Plumbing

HSA has extensive plumbing coverage, offering protection for all interior leaks and breaks of water supply lines, gas lines, drain lines, and waste lines. Plumbing stoppages are also covered.

Refrigerator

Both buyers and sellers will receive coverage for their refrigerator under the Basic Coverage plan. With the Buyer Upgrade, customers will receive additional coverage for refrigerant recovery and ice makers.

Washer/dryer

Unfortunately, the washer and dryer aren’t covered under the Basic Coverage Plan or Buyer Upgrade. We see this as a disadvantage to HSA plans, considering 90% of the other home warranty companies we reviewed provide coverage for these appliances in their most basic plans.

Oven/stove/range

These appliances are covered under HSA’s most basic plan. With the Buyer Upgrade, customers will receive additional coverage for interior lining, clocks, rotisseries, racks, handles, knobs, and dials.

Coverage length

For properties not involved in a real estate transaction, coverage from Home Security of America begins 15 days after your enrollment and ends six to 12 months after the start date. The waiting period of 15 days is lower than the industry standard, which tends to be roughly 30 days. 

If home warranty coverage is transferred to you as a homebuyer, coverage is effective the date of closing and continues for 12 months. If you purchase home warranty coverage for a home you’re selling, coverage is effective the date of application and continues for up to six months. For new construction, coverage begins on the first anniversary of the close of sale and continues for one or four years from that date. 

The company offers 6-, 12-, and 36- month contracts, the longer of which may decrease the monthly premium you pay. Check the fine print of your contract to determine if premiums are subject to increase year after year if you choose to renew annually.

Coverage limits and restrictions

Estimated appliance coverage from Home Security of America is $300 and estimated systems coverage is $1,500. While the sample contract states that aggregate coverage is limited to $25,000 with a $5,000 limit per mechanical system, many sub-limits for specific items are listed throughout the contract.

For example, interior plumbing systems are covered up to $500 aggregate per contract period, and roof leaks are covered for up to $750 aggregate.

Home Security of America states that its coverage protects listed systems and appliances within the “interior” of the main foundation of the home or in an attached or detached garage, those that are properly installed, those that become inoperative due to normal wear and tear, and those that are in proper working order on the effective date of your contract.

Keep in mind that the Home Security of America Basic Plan does not cover improper installation or improper repairs, but the Buyer 7 Star Upgrade plan does.

It’s important to familiarize yourself with the Home Security of America warranty plans and terms of service. A sample contract is available online for you to read. Take note of coverage limits for certain systems and read the fine print about what Home Security of America will and won’t cover. For example, in the Basic Plan, the refrigerator is covered but the ice maker and beverage dispenser are not.

Additionally, HSA’s offerings for home buyers and home sellers differ. The optional coverage add-ons, like roof leaks, swimming pools, hot tubs, septic systems, and more are only available for home buyers purchasing their warranties.

See if your state is covered by Home Security of America

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Home Security of America is only available in Delaware, Georgia, Iowa, Kansas, Kentucky,  Maryland, Michigan, Minnesota, Missouri, New Jersey, New York, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia, Wisconsin, and Washington D.C. If you don’t live in one of these states, check out our State Home Warranty Guides and compare the top home warranty companies in your state.

Our take

Home Security of America has been around for more than 40 years and has some of the best home warranty coverage for home buyers. Its Basic Coverage Plan provides protection for important home systems and appliances and allows buyers to tack on additional coverage for optional items.

Though the company has comprehensive coverage for buyers, it doesn’t provide the same for sellers, completely removing septic system coverage and protection for lighting fixtures, burglar alarms, fire alarms, and doorbell systems. It also charges an additional $50 fee for central heat, air conditioning, and ductwork—items that buyers get the luxury of having for free.

Yet another disadvantage of HSA is that it has pretty low coverage limits ($300 for appliances), which is way lower than the industry average of $500 coverage caps.

One thing we love about Home Security of America is how buyers can receive immediate coverage the day of closing—this is one of the best “waiting periods” in the home warranty industry. Compare this to the standard 30-day waiting period that most customers have to endure.

If you’re a home buyer in need of coverage for major home systems, Home Security of America may be a great option. However, if you don’t fall under that categorization, we recommend looking at other home warranty companies for complete home protection.

Home Security of America ratings

Plan options

3.8 / 5

Breadth of coverage

3.4 / 5

State availability

1.8 / 5

Cost

4.5 / 5

Trustworthiness

3.5 / 5

Customer service

3.3 / 5

Unique benefits

0 / 5

What others are saying

As a consumer, you probably don’t have the time to sit around and sift through the hundreds of customer reviews left by Home Security of America customers—that’s where we come in. At House Method, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.

Below, we’ve included HSA ratings compared to the industry average.

Summary of Customer Feedback

Reviewer Home Security of America Ratings Industry Average Ratings
Average # of Reviews Average Score Average # of Reviews Average Score
Yelp 228
1.5 375
1.2
BBB 5188
2.8 956
2.0

Home Security of America reviews

Reviewers of Home Security of America highlight the company’s quick responses, positive customer service representatives, and the lengths the company will go to to locate hard-to-find repair parts. The Better Business Bureau (BBB) gives them a B rating and an average of 2.8 stars.

Here are a few Home Security of America BBB reviews from current customers:

Jeffrey M. on June 5, 2017, said:

Reputable home warranty company that provides excellent customer service. We have carried coverage with HSA for over five years. I highly recommend spending the extra money for the “Seven Star ” package.

Larry J. on June 18, 2017, said:

Bought a home where the seller bought their warranty as part of the contract…the refrigerator needed work and both HSA and their repair company were very responsive. Parts ordered and fixed within a few days. Very satisfied with both.

Will B. on April 6, 2017, said:

My experiences with HSA have been mostly positive, however sometimes they have been quite a hassle. Being new homeowners, the warranty has saved us a lot of money, but sometimes what they will cover vs won’t cover hits a grey area and then we have been out more money. The only real complaint I’ve had recently was when our water heater went out 2 days after we brought our newborn home. It was a Saturday night/Sunday morning ordeal and even after we explained the importance of having hot water available with less than a week old baby they gave us the “contractors aren’t required to work on weekends but if one is in the area they may come out.” We went a week and a half without a water heater. They used to have a clause that if there was a newborn in the house they would expedite service on major systems. We as new parents were not very happy.

Frequently asked questions about Home Security of America

How is a Home Security of America warranty different from homeowners insurance?

A home warranty is a service contract that covers appliances and home systems when they break down due to normal wear and tear. Homeowners insurance doesn’t cover appliances and systems, making a home warranty a nice complement to standard insurance.

What’s covered under an HSA home warranty?

The coverage will vary depending on the plan you choose, where you live, and whether you opt in to additional add-ons. You’ll have the option to select the plan that gives you the most peace of mind.

How do I file a service request?

Home Security of America customers can file a claim 24 hours a day, seven days a week, by calling the HSA telephone line. A call initiates services without the requirement of a claim form or service application. 

To submit a claim, customers can:

  • Call 1-800-367-1448
  • Sign into their online customer portal

What does the claims process look like?

Making a claim is relatively easy with Home Security of America, as they provide both telephone and online options to alert the company of the need for a repair or replacement. A Home Security of America-approved service contractor will perform the repair or replacement within 48 hours under normal circumstances. A contractor of your choice can be used, given the contractor is approved by HSA ahead of time. 

HSA notes that it isn’t responsible for matching dimensions, color, or brand of parts and materials that are replaced or repaired. The company also reserves the right to use non-original manufacturer component parts.

Do I need a home inspection before I enroll with Home Security of America?

Home Security of America does not require a home inspection prior to enrollment. However, the contract states that items covered must be properly installed, maintained, and in good working condition at the time of application to qualify for coverage from Home Security of America. Any pre-existing conditions aren’t covered by HSA.

What happens if I sell my house while my Home Security of America plan is in effect?

Coverage is transferable from HSA, meaning that any remaining coverage will transfer to the new homeowner at the date of closing at no additional cost in states where that is permitted by law.

For example, if you have six months of coverage remaining at the time of closing, the homebuyer will be covered for six months. Coverage can be transferred to a new buyer by notifying HSA of the closing date and the buyer’s name. A copy of the settlement statement may be required for proof of sale.

Our top-rated alternatives to Home Security of America

If you’re not sure Home Security of America is for you, here are three top home warranty alternatives:

  • 2 plans with affordable pricing
  • BBB accredited with an A rating
  • User-friendly customer portal

  • 2 plans with clear statements of coverage
  • B- BBB rating
  • Excellent provider overall

  • 2 plans with many add-ons
  • Fast coverage and claims process
  • More expensive premiums

Final thoughts

Our team at House Method gives Home Security of America 3.15 out of 5 stars. It’s a great home warranty for home buyers, but it still lacks important coverage for items like a clothes washer and dryer. 

Home Security of America is a good choice for you if…

  • you’re buying a new home.
  • you want coverage for major home systems.
  • you want coverage immediately and don’t want to wait 30 days for coverage to kick in.

Home Security of America may not be a good choice for you if… 

  • you’re selling a home or are a seasoned homeowner.
  • you live in one of the states not covered by the home warranty company.
  • you want high coverage caps for your systems and appliances.

Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.

Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.

For more details, check out our affiliate disclosure and rating methodology.

Company information

  • Company name: Home Security of America
  • Company type: Private
  • CEO: Robert Lehmann
  • Founding date: 6/14/1978
  • Years in business: 41 years
  • Telephone: 1-800-367-1448
  • Address: 150 Peabody Place
  • State/province: Memphis, TN
  • Postal code: 38103-3700
  • State availability: 19 states
  • Service fee: $75
  • BBB rating: B

Every person and every home needs the plan that’s right for them. Check out some of our other expert reviews to get all the information you need to find the right home warranty for you. Remember, each of these companies gives a free quote.

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