Range across tiers
HSA Home Warranty
3.6/5 · BBB B
“Home buyers and sellers who want transaction-period coverage from an established parent group.”
Photo · Brett Jordan / Unsplash
First American Home Warranty
3.8/5 · BBB B
“Owners of newer homes who prioritize appliance coverage and want a low, selectable service fee.”
Photo · Avi Werde / Unsplash
vs
§ 01Round by round
The Warranta verdict
This one splits cleanly on whether a home sale is in play. HSA is built for the transaction, with seller coverage during the listing period and a Frontdoor-group parent (the same parent as American Home Shield). First American is the stronger choice for ongoing direct coverage on a newer home, with a $75 selectable fee and up-to-$3,500/yr appliance caps versus HSA's $3,000, accepting that add-on pricing creeps the effective rate up.
Round by round · 11 criteriaSourced ratings
| Criterion | HSA Home Warranty | First American Home Warranty | Tradeoff |
|---|---|---|---|
| Overall | 3.6 | 3.8Wins | — |
| Pricing | 3.7 | 4.2Wins | — |
| Coverage | 3.6 | 3.7Wins | — |
| Claims process | 3.4 | 3.4 | — |
| Customer service | 3.5 | 3.5 | — |
| Contractor network | 3.7 | 3.8Wins | — |
| Pricing | Tie | Tie | HSA's $38 to $50/mo and $75 to $100 fee are close to First American's $37 to $82/mo and $75 to $125 fee; First American's lower fee floor is offset by HSA's tighter premium band. |
| Annual caps | — | WinsWins | First American caps appliances at up to $3,500/yr; HSA caps items at up to $3,000/yr with HVAC sub-limits. |
| Coverage breadth | Tie | Tie | First American covers some improper-installation failures; HSA's Buyer 7 Star bundles upgrades that are paid add-ons elsewhere, so each leads in a different lane. |
| Real-estate channel | WinsWins | — | HSA is built for the transaction with seller coverage during listing and a Frontdoor-group parent (same as AHS); First American is more direct-consumer oriented. |
| Customer sentiment | — | WinsWins | First American's overall 3.8 edges HSA's 3.6, with First American slightly ahead on coverage and contractor-network sub-scores. |
HSA Home Warranty
BBB B · 1984
3.6
Overall
First American Home Warranty
BBB B · 1984
3.8
Overall
§ 02Who wins for you
If
“Annual caps matters most”
First American caps appliances at up to $3,500/yr; HSA caps items at up to $3,000/yr with HVAC sub-limits.
EdgeFirst American Home Warranty
If
“Real-estate channel matters most”
HSA is built for the transaction with seller coverage during listing and a Frontdoor-group parent (same as AHS); First American is more direct-consumer oriented.
EdgeHSA Home Warranty
If
“Customer sentiment matters most”
First American's overall 3.8 edges HSA's 3.6, with First American slightly ahead on coverage and contractor-network sub-scores.
EdgeFirst American Home Warranty
If
“Pricing matters most”
HSA's $38 to $50/mo and $75 to $100 fee are close to First American's $37 to $82/mo and $75 to $125 fee; First American's lower fee floor is offset by HSA's tighter premium band.
Evenly matchedToo close to call
Across 5 rounds, First American Home Warranty takes more than it loses, but the right pick still turns on which of these criteria you weight. See the verdict above.
§ 03The figures, side by side
HSA Home Warranty
- Monthly premium
- $38–$50/mo depending on plan and add-ons
- Service fee options
- $75$100
- Service fee range
- $75–$100 service-call fee
- Annual coverage limit
- Up to $3,000/yr per covered item; HVAC sub-limits apply
- Waiting period
- Real-estate plans effective at closing; 30-day wait on direct plans
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
- Available in
- 8 states (TX, FL, NC, CO, GA, WI…)
At a glance
Per visit, paid to tech
Across plan tiers
Resets each contract year
Before claims are eligible
Home age / pre-existing
Excludes territories
First American Home Warranty
- Monthly premium
- $37–$82/mo depending on plan tier
- Service fee options
- $75$100$125
- Service fee range
- $75–$125 selectable service-call fee
- Annual coverage limit
- Up to $3,500/yr per covered appliance; system caps vary
- Waiting period
- 30-day waiting period for direct-purchase plans
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
- Available in
- 8 states (TX, FL, NC, CO, CA, GA…)
At a glance
Range across tiers
Per visit, paid to tech
Across plan tiers
Resets each contract year
Before claims are eligible
Home age / pre-existing
Excludes territories
HSA Home Warranty
3.6/5 · BBB B
“Home buyers and sellers who want transaction-period coverage from an established parent group.”
See a quote
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy
First American Home Warranty
3.8/5 · BBB B
“Owners of newer homes who prioritize appliance coverage and want a low, selectable service fee.”
See a quote
FTC ↘Warranta earns a commission when you buy a plan through links on this page. This does not affect our editorial analysis or the price you pay. Disclosure policy
Round winners and the use-case cards above reconcile against Warranta’s rating methodology. Scores are on a 5-point scale.
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