The Home Service Club Review (2022)

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Learn more about The Home Service Club and its coverage, costs and plans in this comprehensive review. Is it the right home warranty for you? (Adobe Stock, © Kristina)

If you’re considering a home warranty for your house, you might have heard about The Home Service Club. The Home Service Club offers several different home warranty plans and can be a good fit for your homeowner needs. Like most home warranty providers, this company offers plans that cover repairs or replacements of your major home appliances and systems.

In This Article:

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.


The Home Service Club Overview

The Home Service Club began offering home warranties in 2008. The company is based in New York City and, according to its website, places a high level of focus on customer service and satisfaction. The company has won a number of awards and national recognition for home warranty service, though as of 2022, it is not yet accredited by the Better Business Bureau.

Homeowners in all 50 states plus Washington, D.C. can purchase a Home Service Club warranty to protect their homes. While there might be some small differences between policies from state to state, most are identical. Coverage begins after a 10-day waiting period, though there are some items that are not covered until 30 days after purchasing the home warranty. This quick coverage is uncommon for home warranties and is a point in the Home Service Club’s favor.


Pros & Cons of The Home Service Club

✔️ Standard plan covers a good number of appliances and systems
✔️ Wide variety of add-ons available
✔️ Fast coverage with a short 10-day waiting period
Service fee of $125 (at cheapest premium) is above average
Monthly price can increase dramatically with add-ons and lower service fee selection


The Home Service Club Plans & Coverage

The Home Service Club offers two different plans: Standard and Comprehensive.The Standard plan includes coverage of essential systems and appliances, while Comprehensive coverage includes everything in the Standard plan plus additional systems and appliances. In addition to the two homeowner plans, this provider offers real estate home warranty plans designed specifically for those buying or selling a home.

The Home Service Club does offer a number of additional coverage add-ons, each priced separately: Roof, jetted bathtubs, well pumps, sewage ejector pump, pool/spa, water softener, freestanding freezer, sprinkler system, spa heater, additional refrigerator, built-in refrigerators with dual compressors, outside water/gas line, grinder pump system, outside power/sewer line

 StandardComprehensive
Refrigerators✔️✔️
Ovens/ranges/cooktops✔️✔️
Dishwasher✔️✔️
Washer/dryer✔️✔️
Freestanding ice makers✔️✔️
Built-in microwave✔️✔️
Trash compactor✔️✔️
Built-in food centers✔️✔️
HVAC✔️✔️
Electrical✔️✔️
Water heater✔️✔️
Plumbing✔️✔️
Garbage disposal✔️✔️
Garage door opener✔️✔️
Ceiling fans✔️✔️
Central vacuum system✔️✔️
Plumbing stoppage ✔️
Ductwork ✔️
Gas leaks ✔️
Pest control ✔️
Whirlpool tubs ✔️
Alarm warning ✔️
Telephone wiring  ✔️
Smoke detectors ✔️
Attic fans ✔️
Sump pumps ✔️
Doorbells ✔️
Hot water pumps ✔️
Hot/cold water dispenser ✔️

The Home Service Club Cost

The Home Service Club warranty pricing will depend on where you live, the size of your home, and what extra coverage you want. Choosing to pay a yearly premium in lump sum includes one month free.

The Home Service Club offers several levels of service fees. You can select a service fee of $65, $95, or $125. However, the lower service fees require you to pay a higher monthly premium. If you anticipate using your home warranty often, you might want to pay a slightly higher premium to get a lower service fee. However, if you have a fairly new house, you might not need to use your warranty.

Our team requested a sample quote directly from the company for an address in Georgia, ZIP code 30097, and we received the following:

 Yearly premiumMonthly premium
Standard$551$45.95
Comprehensive$731$60.00

Get A Quote From The Home Service Club

You can get a quote from The Home Service Club by going to their website or calling their toll-free number, 800-750-9443. You’ll need to provide the company with some basic information, including your name and address of your property.


Filing A Claim With The Home Service Club

To make a claim, you can either call 800-601-1009 or go to the Home Service Club website and request service through your account. Once you’ve submitted a claim, Home Service Club will assign it to a local service provider. The provider will then contact you to arrange an appointment time.


Our Verdict On The Home Service Club

Overall, The Home Service Club does offer a comprehensive home warranty that includes a number of benefits. You can get a quote from The Home Service Club by calling 800-750-9443 or by using their online form.


Our Recommended Provider: American Home Shield

While we found that The Home Service Club has good options, the high cost of the service fee leads us to recommend American Home Shield over Home Service Club. American Home Shield ranks highest in our research of home warranty providers for a number of reasons. From the company’s plan variety to its coverage across 49 states, we felt it was a great choice for most consumers.

Here are a few highlights about the provider:

  • Three plan options (ShieldSilver, ShieldGold, and ShieldPlatinum), which is more than many competitors
  • Allows customers to choose their own service fee
  • Positive customer service reviews
  • A trusted brand that’s been in business since 1971


Frequently Asked Questions About The Home Service Club

Who owns The Home Service Club?

Sam Zakarin is the CEO of The Home Service Club, which has been in business since 2008 according to the BBB. However, the company has a pattern of complaints and an alert from the Bureau for denied claims for covered items and an inability to contact or get assistance from the company’s customer service representatives.

Is The Home Service Club worth it?

The Home Service Club offers several benefits and fairly comprehensive home warranty coverage, even for older appliances. However, its high service fees and customer complaint pattern with the BBB led us to recommend American Home Shield as an alternative for customers interested in a home warranty service.

How does The Home Service Club work?

After enrolling in a plan, you will contact the company by phone or through its website if one of your covered appliances or systems needs a repair or replacement. The company will assign the repair to a local service provider, who will arrange a time to come to your home, diagnose the issue and either make repairs or recommend a replacement to the warranty company.


Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.