Based in New York, The Home Service Club (HSC) has helped thousands of homeowners save money on home appliances, system repairs, and replacements.

When critical appliances and systems break, such as the air conditioner or refrigerator, you can be left with a hefty and unexpected bill.

However, HSC representatives send a repair person to your home for a small fee. After that, the company handles the rest, providing you the peace of mind you need to save money with pricey home repairs.

Not only does The Home Service Club have a fast 12-hour response time and 24/7 warranty service, but the warranty plans are among the most comprehensive of all home warranty providers and include household items that are traditionally only available as add-ons.

Learn more in this Home Service Club Review and see what makes them one of the best home warranty providers.

4.4

Rating

Based on our 23-point rating system.
Visit Site
Exclusive Offer:
$75 Off & 1 Month Free!
Monthly Cost:
$50–$63
Service Fee:
$60–$90
Response Time:
12-48 hrs.
States Covered:
All 50 states

Our Preferred Home Warranty Companies

We recommend several home warranty companies to our readers. In addition to The Home Service Club, we also suggest the following top providers:

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

The Home Service Club Review

Our home warranty experts took an in-depth look at HSC service contracts, ratings, and warranty plans to provide you with the most detailed and accurate information possible. HSC is definitely worth a try! But don’t just take it from us.

The Home Service Club has many satisfied customers who rave about its knowledgeable representatives and efficient service. In some cases, HSC customers have problems with service technicians canceling, but this is likely dependent on the location. 

The many positive reviews on the Home Service Club’s BBB page highlight the friendly and helpful service, knowledgeable technicians, and efficient service.

Recent negative HSC reviews mention service cancellations and difficulties in obtaining warranty service due to strict exclusions. However, these negative reviews often refer to items that traditionally have more exclusions, such as pipes and water damage. 


Our Take On The Home Service Club

Due to its quick response time, comprehensive warranties, and easy claims handling The Home Service Club received 88 out of 100 points, which equates to 4.4 out of 5 stars.

Company Pros and Cons

Navigate the tabs below for a high-level look at some of The Home Service Club’s pros and cons. Keep these items in mind as you read the rest of the review.

90-day repair guarantee: If your items experience issues within three months after a repair, HSC will fix them again for free.
Customizable service call fees: $65 to $95 service call fees that allow customers to choose an affordable option
Long time in the industry: HSC has been providing home warranty services to nationwide customers since 2009.
Extensive contractor network: HSC has built a strong network of trained and prescreened professionals ready to assist clients around the clock.
High ratings on Trustpilot: 72% of HSC’s ratings on Trustpilot are 5 stars.
Readily available customer service: Customers can access their portal and submit claims 24/7, allowing them to contact help when they need it.
Free trade service fee changes within the first 30 days: You can update your preferred trade call fee within your first month of service for no extra charge.
Not BBB Accredited: HSC isn’t accredited by the Better Business Bureau, a strong indicator of trustworthiness 
Lower plan selection: HSC only offers two home warranty plan options, as opposed to competitors that offer three or four plans.
Lower coverage caps: Some items have $500 coverage caps, which is relatively low compared to industry standards.

What We Liked and Didn’t Like

Next, we’ll dive into some of the other benefits and drawbacks of The Home Service Club Select Home Warranty. We discuss coverage limits, pricing, and customer reviews to help you determine if this provider is right for you.

What We Liked

Homeowners who want comprehensive warranty protection at a competitive price get a good deal with the HSC Standard Coverage plan. This plan covers similar home appliances and systems normally covered only by premium warranty plans.

The Comprehensive Coverage plan is just that — it offers excellent coverage. This plan includes services normally only offered as additional coverage, such as your sump pump and pest control.

What We Didn’t Like

The Home Service Club only has two plans available at this time. It does offer a service line plan, but many homeowners purchase this in addition to another home warranty plan. If you want system- or appliance-only coverage, HSC may not be your warranty provider.

What We Liked

The Standard Coverage plan is one of the most comprehensive basic plans available. Compared to other warranty providers that offer a systems-only or appliance only-plan, the HSC’s basic plan includes both and has similar costs to the less inclusive plans.

In addition, HSC’s add-ons are competitively priced, so you can easily add home appliances to your plan at a minimal cost. The Home Service Club also offers low service call charges, ranging from $65 to $95 per claim.

What We Didn’t Like

Many home warranty providers offer monthly payments, but the HSC typically offers annual payments. Not every homeowner wants to pay the entire year’s warranty contract out of pocket. It is possible to change the annual fee to monthly, but this may increase your overall cost.

What We Liked

The Home Service Club has a 90-day workmanship guarantee, so if the home appliance or system breaks down after it’s been serviced, the service technician will come back and fix it.

What We Didn’t Like

Although you can submit an online claim 24/7, the customer service phone line is only available from 9:00 a.m. to 7:00 p.m. In some cases, customers have had trouble with service technician cancellations and getting reimbursed for home repairs.

What We Liked

The Home Service Club has nearly 15 years of experience in the home warranty industry, and that experience helps HSC provide superior service to its customers. This company has a reputation for responsive customer service. When a customer files a complaint online, HSC employees respond quickly and resolve the issue.

What We Didn’t Like

The Home Service Club has received a C rating from the Better Business Bureau (BBB) and is not accredited. In addition, the BBB has identified a pattern of customer complaints. Most of these complaints relate to a lack of responsiveness by HSC representatives in filing a complaint and processing service claims.

What We Liked

The Home Service Club has an excellent claims processing procedure that makes it easy to get a competent service provider to your door. With a 12-hour response time, this home warranty provider will process your service requests much faster than other home warranty services.

What We Didn’t Like

In some cases, HSC customers have reported that service technicians have canceled their appointments to come to their homes. In this case, customers have made lengthy phone calls to HSC representatives to reschedule.

What We Liked

The Home Service Club is one of the few home warranty companies that serve all 50 states. From Alaska to California, homeowners can get home warranty coverage from HSC.

What We Didn’t Like

Even though you can get home warranty coverage no matter where you live, service can vary by location. This is because each area has its own technicians.

Availability of The Home Service Club By State

The map below shows where The Home Service Club is available across the U.S. As you’ll see, this provider offers coverage in all 50 states.


Compare Top Home Warranty Companies

The Home Service Club is just one of many home warranty companies on the market. View the table below to see how other top options compare to one another and which one might be your best fit.

Company

Our Rating

Monthly Cost

Service Fee

Coverage Cap

States Covered

$49.99–$69.99+

$65–$125

$2,000

All 50 states

$49.99–$99.99

$100–$125

$6,000

48 States ex. AK & HI

$44.99–$58.99

$70

$15,000

47 States ex. CA, TX, WA

$46.83–$54.75+

$85

$3,000

48 states, ex. WA & CA

$60.42–$63.75+

$60–$75

$3,000

47 states, ex. NV, WA, & WI

$30.00–$60.00

$75–$125

$3,000

49 states, ex. HI

$39.99–$54.99

$100–$125

$2,000

47 states, ex. CA, AK, & HI

$17.00–$60.00

$65–$100

$2,500

42 states, ex. AK, HI, MT, NH, ND, OK, SD, & WY

$36.00–$46.50

$75–$125

$3,500

34 states, ex. AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, & WI


Video Overview of The Home Service Club

The following video details some of the major benefits of a home warranty plan with The Home Service Club, including its affordable fees, fast service times, and contractor network. Learn how this company aims to stand out:


The Home Service Club Plans and Coverage Options

A warranty from The Home Service Club costs between $50 to $63 per month. The national average for a home warranty is about $50 per month, so the Home Service Club’s Standard Coverage plan is right in that range.

However, the Comprehensive Coverage plan is an excellent deal because it covers more items than are normally included in a home warranty plan. Many items covered under the comprehensive coverage plan, such as your sump pump and central vacuum, are normally only offered as add-ons.

You can not choose the service call fee (similar to a deductible that you pay directly to a repairman) for each claim, but you can expect it to range from $65 to $95 per claim. Compared to other home warranty providers, this service call fee is low.

PlanCost
Standard Coverage$605+/year or $50.41+/month
Comprehensive Coverage$755+/year or $62.91+/month

Free quote data accurate for a 3,000-square-foot home in Burnsville, Minnesota, as of January 2023. Cost data may vary depending on your location.

Standard Coverage (starting at 50.41/month): This plan is ideal for homeowners who want basic warranty coverage for their most important home appliances and systems. Covered items include air conditioning, ceiling fans, central vacuum, dishwasher, dryer, electrical system, food center, garage door opener, garbage disposal, trash compactor, heating system, refrigerator ice maker, microwave, oven/stove/cooktop, plumbing system, refrigerator, washer, and water heater.

Comprehensive Coverage (starting at $62.91/month): As one of the most comprehensive plans on the market, HSC’s Comprehensive plan is best for homeowners who want everything in their home covered under warranty. Covered items include everything in the Standard Coverage plan, plus alarm wiring, doorbell, ductwork, gas leak, hot water pump, pest control, plumbing stoppages, smoke detector, sump pump, telephone wiring, hot water dispenser, water leak, and whirlpool.

Home System or ApplianceStandard CoverageComprehensive Coverage
Electrical Systems
Built-in exhaust, vent, and attic fan
Ceiling fan
Doorbell and chimes
Garage door opener
Interior electrical lines
Main breaker and fuse panel box
Heating and Cooling
Air conditioner
Ductwork
Heating unit
Kitchen Appliances
Built-in microwaves
Dishwashers
Garbage disposal
Garbage-trash compactor
Ice maker (in refrigerator)
Instant hot/cold water dispenser
Ranges/cooktops
Refrigerators
Ovens
Laundry Appliances
Dryers
Washers
Plumbing Systems and Accessories
Faucets and valves
Interior plumbing lines
Plumbing stoppage
Toilets
Water heater
Extras
Central vacuum
Food center
Gas leak
Hot water pump
Pest control
Smoke detector
Sump pump
Telephone wiring
Water leak

What Optional Add-ons Does The Home Service Club Offer?

The Home Service Club offers several add-ons that you can add to your warranty plan. Although Home Service Club has comprehensive coverage compared to other home warranty providers, many homeowners choose to add certain items to their home warranty plans.

The HSC provides coverage for your roof and other common add-ons, such as your pool and spa, but you can also get utility line coverage that covers your outdoor water line, gas line pump system, sewer line, sprinkler system, and more.

Add-onCost Per Year
Service line$249.95
Refrigerator dual compressor$225.95
Jetted bathtubs$199.95
Pool spa equipment$199.95
Spa and spa heater$199.95
Roof coverage$199.95
Second freestanding freezer$159.95
Additional water heater$149.95
Well pump$129.95
Plumbing sprinkler$114.95
Sewage ejector pump$99.95
Additional dishwasher$59.95
Additional microwave$59.95
Additional oven range cooktop$59.95
Additional refrigerator $59.95
Freestanding ice makers$59.95

Free quote data accurate for a 3,000-square-foot home in Burnsville, Minnesota, as of January 2023. Cost data may vary depending on your location.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

Does The Home Service Club Have Any Exclusions?

The Home Service Club will pay for repairing your household appliances and systems when they fail due to normal wear and tear. If your home appliances and systems fail and the cause is one of the following, you will not be eligible for warranty service:

  • Damage covered under manufacturer warranty or home insurance
  • Lack of routine maintenance and care
  • Misuse
  • Pre-existing conditions 
  • Professional-grade equipment
  • Rust or corrosion

The above exclusions apply to each item covered under warranty, but others apply to your major appliances and systems. It’s advisable to read your service contract’s fine print to learn which components are covered.

Each Home Service Club home warranty comes with a 30-day waiting period, but you may need a home inspection before home warranty coverage becomes effective.

Today’s Homeowner Tips
The Home Service Club helps you save money when REALLY expensive items break in your home like your refriderator air condition. If they are available in their area, then they can have someone at yuor door within 12 hours.

Does The Home Service Club Have Any Coverage Limits?

HSC home warranties have coverage limits, and each home system and appliance under warranty has individual exclusions and coverage caps ranging from $300 to $2,000. You can expect the annual maximum to be between $6,000 and $9,000. Under both the Standard plan and the Comprehensive plan, the coverage limits per coverage term are:

ItemCoverage Limit
Air conditioning system$2,000
Heating systems$2,000
Clothes dryer$800
Clothes washer$800
Oven/range/cooktop$750
Plumbing systems$750
Refrigerator$750
Water softener$650
Dishwasher$600
Ductwork$600
Alarm wiring$500
Ceiling fan$500
Central vacuum$500
Doorbells$500
Electrical systems$500
Exhaust and attic fans$500
Food center$500
Gas leaks$500
Hot water pump$500
Microwave oven$500
Pest control$500
Plumbing stoppages$500
Smoke detectors$500
Telephone wiring$500
Trash compactor$500
Water heater$500
Water leaks$500
Whirlpool$500
Freestanding ice makers$400
Garbage disposal$350
Hot water dispenser$300

How To File a Claim With The Home Service Club

To file a claim with the Home Service Club, you should call its customer service line or go online to submit a claim. It’s important to submit your claim as soon as you notice a problem with your home system and appliance. 

  1. Call or go online to submit your service claim.
  2. An HSC representative will approve your claim within 12 to 48 hours.
  3. Pay the service call fee to have a service technician come to your home.
  4. A service technician will come to your home and diagnose the damage.
  5. A service technician will fix your home system and appliance.
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

FAQ: The Home Service Club

Is the Home Service Club a good service?

The Home Service Club is a good home warranty service that provides protection for your home systems and appliances. HSC has really quick response times, low service call fees, and competitive monthly rates.


Does the Home Service Club have a recall period?

If you file a claim and have a service technician come to your home to repair your household systems and appliances, you have a 90-day recall period for parts and a 30-day recall period for labor. If the system or appliance fails again during this time, the service technician will come to your home again.


What home warranty plans does the Home Service Club offer?

The Home Service Club has two home warranty plans that cover both your home systems and appliances. The Standard Coverage plan covers your most essential systems and appliances, but the Comprehensive Coverage plan includes more items, such as pest control and water leaks coverage.



Methodology: How We Rank Home Warranty Companies

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quotes process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Annie Gallay

Annie Gallay

Annie is an expert in the field of home warranty coverage, and part of an external review team that is independent from Today’s Homeowner. She rates and reviews products and services to help our readers save time, find value and make better decisions.

Learn More

photo of Roxanne Downer

Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

Learn More

Browse by State