Across plan tiers
HSA Home Warranty
3.6/5
“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
“Owners of newer homes who prioritize appliance coverage and some improper-installation protection.”
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, 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 sample contracts set a $100 trade call fee in most states and $125 in five states; First American publishes no service fee Warranta could verify, and neither publishes a monthly price. Confirm the service fee in the contract before you buy. |
| Annual caps | Tie | Tie | Warranta could not verify either provider's per-item caps against a live published source, so treat this round as a tie and read each sample contract's limits section. |
| 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
3.6
Overall
First American Home Warranty
Founded 1984
3.8
Overall
Sources
- HSA Home Warranty BBB profile (BBB profile, accessed 2026-05)
- First American Home Warranty BBB profile (BBB profile, accessed 2026-05)
- First American Home Warranty plan and pricing pages (Provider official, accessed 2026-05)
- HSA Home Warranty site, listing its sister Frontdoor brands including American Home Shield (Provider official, accessed 2026-09-23)
- HSA Home Warranty coverage and cost page, with state brochures and sample contracts ($100 or $125 trade call fee by state) (Provider official, accessed 2026-09-23)
§ 02Who wins for you
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 sample contracts set a $100 trade call fee in most states and $125 in five states; First American publishes no service fee Warranta could verify, and neither publishes a monthly price. Confirm the service fee in the contract before you buy.
Evenly matchedToo close to call
If
“Annual caps matters most”
Warranta could not verify either provider's per-item caps against a live published source, so treat this round as a tie and read each sample contract's limits section.
Evenly matchedToo close to call
§ 03The figures, side by side
HSA Home Warranty
- Service fee range
- $100 trade call fee in most states; $125 in CT, MA, NJ, NY and RI
- Waiting period
- Begins the day of closing when bought with a home; for other plans, check the contract
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
At a glance
Before claims are eligible
Home age / pre-existing
First American Home Warranty
- Waiting period
- 30 days for many new customers, per its FAQ; the contract sets the details
- Eligibility notes
- No home-age limit; pre-existing conditions excluded
At a glance
Before claims are eligible
Home age / pre-existing
HSA Home Warranty
3.6/5
“Home buyers and sellers who want transaction-period coverage from an established parent group.”
First American Home Warranty
3.8/5
“Owners of newer homes who prioritize appliance coverage and some improper-installation protection.”
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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