Based in New York, The Home Service Club (HSC) has helped thousands of homeowners save money on home appliance and system repairs and replacement. When your critical appliances and systems — such as your air conditioner or refrigerator — break down, HSC representatives will send a repair person to your home.

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 about what makes HSC one of the best home warranty providers with our home warranty review.

Our Review of The Home Service Club

Total Score: 88 / 100 points

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.

Our home warranty experts take an in-depth look at HSC service contracts, ratings, and warranty plans to provide you with the most detailed and accurate information possible. Find out if the Home Service Club is right for you by reading the review below.

Pros & Cons


  • Offers comprehensive home warranty packages
  • 90-day workmansip guarentee
  • Low $65 to $95 service call fees


  • Only offers two home warranty plans
  • Not Accredited by the BBB

Plans and Coverage of The Home Service Club

Score: 94% 


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.


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.

Affordability of The Home Service Club

Score: 89%


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.


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.

Home Warranty Resources

Customer Experience of The Home Service Club

Score: 86%


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.


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.

Company Reputation of The Home Service Club

Score: 69% 


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.


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.

Claims Process of The Home Service Club

Score: 100%


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.


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.

Availability of The Home Service Club

Score: 100%


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.


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.

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 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.

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
Heating unit
Kitchen Appliances
Built-in microwaves
Garbage disposal
Garbage-trash compactor
Ice maker (in refrigerator)
Instant hot/cold water dispenser
Laundry Appliances
Plumbing Systems and Accessories
Faucets and valves
Interior plumbing lines
Plumbing stoppage
Water heater
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.

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.

the home service club home warranty reviews

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
Plumbing systems$750
Water softener$650
Alarm wiring$500
Ceiling fan$500
Central vacuum$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
Freestanding ice makers$400
Garbage disposal$350
Hot water dispenser$300

The Home Service Club Customer Reviews

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. 

Positive Reviews of The Home Service Club

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

Was never someone who enjoyed small talk, but HSC service reps are the absolute best. It’s very easy to file a claim or ask questions via chat. I asked them to repair my sump pump. I have no idea how to fix those things so they got to work and just charged me the usual service fee. It includes the service fee and everything. —Joseph H., 10/12/2020

It was getting really tiresome for me to keep manually having to heat up my oven. I called HSC to help me out with this since I had coverage, which I never initially used. They were really efficient in sending a repair guy over after having walked me through what plan I had. They replaced an old part of the machine, and then it started working fine again. Thank you for the service, HSC. —Kenneth G., 10/09/2020

Negative Reviews of The Home Service Club

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. 

I have requested the service of a plumber for a month now online and on the phone and still have not had it repaired due to the lies this company and their customer representatives tell. I’ve waited on 3 different dates for the technician and nobody shows up. Then when I call I get the same old story. They reschedule and apologize and I wait again. Call again and still nothing. So ridiculous to treat people this way. Do not use this company. —Lynne, 4/19/2022

The Home Service Club vs. Other Home Warranty Companies

The Home Service Club has one of the best response times in the industry, but it also has a lower service fee than many other home warranty companies. Even though HSC has competitive monthly rates, some home warranty companies have lower monthly costs, such as Choice Home Warranty and AFC Home Club.

ProviderSuperlativeMonthly Cost*Service FeeBBB RatingYears in Business
The Home Service ClubBest Response Time$50.41–$62.91+$65–$95C14
Liberty Home GuardBest for Customization$49.99–$69.99+$65–$125A+5
Select Home WarrantyBest Value$60.42–$63.75+$60–$75B-10
American Home ShieldBest Coverage Caps$49.99–$99.99+$75–$125B51
Choice Home WarrantyBest Claim Acceptance Rate$46.83–$54.75 $85D+13
AFC Home ClubBest Additional Benefits$30.00–$50.00+ $75–$125B13

* All 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.

† BBB scores are accurate as of January 2023.

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.

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:

methodology for how we reviewed the home service club
  • 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.

Reviews of Other Home Warranties

2-10 Home Buyers WarrantyAllied Home WarrantyAmazon Home Warranty
America’s Preferred Home WarrantyAmerican Home ShieldAmerican Residential Warranty
AWG Home Warranty DivisionChoice Home WarrantyCostco Home Warranty
Fidelity National Home WarrantyFirst American Home WarrantyFixd Home Warranty
Freedom Home WarrantyHMS Home WarrantyHome Service Club
Homeguard Home WarrantyHSA Home WarrantyHWA Home Warranty
Landmark Home WarrantyOneguard Home WarrantyPivotal Home Solutions
Pride Home WarrantyA.B. May Home WarrantyGlobal Home USA Home Warranty
Secure Home WarrantySelect Home WarrantySuper Home Warranty
Bosch Dishwasher WarrantyLennox AC WarrantySamsung Washer Warranty
Squaretrade Appliance WarrantyWhirlpool WarrantyHomeServe
Cinch Home ServicesLiberty Home Guard 

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

Editorial Contributors
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.

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