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Home Service Club Home Warranty Review


ConsumersAdvocate.org Rating: 3.9 / 5 (Very good)
184 Customer Comments & Reviews - see all comments
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Home Service Club is a New York City-based home warranty provider operating in 49 states, via their vast network of contractors.

Their coverage is exceptional, with many items that would normally be additional already included in their two plans: Standard and Comprehensive.
 
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How is Home Service Club rated?

Breakdown

4.3/5
Transparency
3.3/5
Claims Processing
4.3/5
Coverage Options
4.0/5
Additional Benefits
3.7/5
Customer Experience

Overall Rating: 3.9 / 5 (Very good)

Home Service Club has relatively high premiums and service fees. But their home warranties offer more comprehensive coverage than many competitive plans.

The company's ratio of positive to negative online reviews indicates that their customers are satisfied, overall, with the service provided.

Home Service Club’s policies suggest a customer-centric philosophy. which allows for easy coverage and service with no home inspection required. Policies are restricted by both itemized and term-level caps, which is standard in the industry. But the number of claims you can file during a single contract period.

The company does not offer month-by-month coverage and requires customers to sign up for an annual contract, That may deter people who don't want to commit to a long-term contract before they've had to use their warranty coverage and are satisfied with the service they receive.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
$9,000
Typical Appliance Benefit Limit
$2,000
Typical Systems Benefit Limit
$2,000

Coverage Options - 4.3 / 5

Home Service Club's coverage level makes them an industry leader, with over 33 explicitly mentioned covered items.

This comes at a price, however. Coverage starts at $400 for HSC's Standard plan. You'll also be subject to per-item caps that range from $300 and $2,000; as well as an annual cap between $6,000 and $9,000.

In addition to the implementation of pay caps, HSC does not cover repairs or replacements due to user error or improper maintenance.

What does Home Service Club cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pump
  • Telephone Wiring

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Garage Door Openers
  • Built-in Food Centers
  • Garbage Disposal
  • Stand Alone Freezer
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Exclusions

For a full list of Home Service Club exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $400
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No

Contract & Price - 4 / 5

Home Service Club’s base-level 12 month home warranties start with a minimum annual premium of $400.

Coverage is not dependent on a home inspection, and this price point is slightly on the higher side of the industry standard.
With that in mind, they do offer a 30 day pro-rated cancellation policy, minus a $45 dollar administration fee.

Sample Contract

Home Service Club provides a sample contract for potential customers on its website: Home Service Club Sample Contract

Cancellation Policy

The customer may cancel the HSC service agreement for any reason within the first thirty 30 days following the date of purchase and shall be entitled to a refund of the paid contract fees less any service costs incurred by HSC and an administrative fee of up to $45.

After 30 days, the customer shall be entitled to a pro rata refund of the paid contract fees for the unexpired term, less any service costs and an administrative fee of up to $45.

This contract may be canceled by HSC for nonpayment of contract fee, fraud or misrepresentation by the customer, by agreement between client and company, or if the customer threatens to harm or does harm the safety or well-being of HSC, their property, employees or contractors.

HSC may cancel the contract without reason at any time in the first 30 days following its effective date.

If HSC cancels the contract within the first 30 days, the customer will not be charged an administrative fee and shall be entitled to a refund of the paid contract fees less any service costs incurred.

If HSC cancels the contract after 30 days, the customer shall be entitled to a pro rata refund of the paid contract fees for the unexpired term, less any service costs and an administrative fee of up to $45.

Claims & Service

Claims

Service Fee
$65, $95, and $125
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
Over 10,000
Service Recall Period
30 days

Claims Processing - 3.3 / 5

Home Service Club’s service fees can range between $65 and $125. Although both their waiting and service recall periods are set at 30 days, no service records are required for maintenance.

Once those 30 days are up, their 24/7 claims department is always ready to connect customers with their in-network contractors.

As long as the resultant costs do not exceed the annual cap of the plan you choose, there is no limit on the number of claims you can submit per year

Home Service Club Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
51-200
TrustPilot Rating
3.5 out of 5
BBB Rating
B
Date Collected
2022-07-20

Reputation - 3.8 / 5

Home Service Club earns a B rating from the Better Business Bureau. Users on Trustpilot award the company 3.5 out of 5 stars, which is a pretty high rating for a home warranty company. That rating is based on nearly 500 reviews. Home Service Club is not a member of the NHSCA.

Contact & Additional Information

Homepage URL
https://www.hscwarranty.com/
Company Phone
(800) 601-1009
Headquarters Address
305 Broadway, 9th Floor, New York, NY, 10007
Year Founded
2008

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184 Customer Comments & Reviews

Loading Reviews ...
junelfoster
6/3/2023
I was forced to give these people one star in order to leave this review. There isn't any transparency, at all. I signed with the home service club in January of this year. I had a leak under my kitchen sink. I thought that I had signed up with the home service club, so why when I called the number that I was given to hsc, I was shocked when instead of saying home service club, I was greeted with, "hello choice warranty". When I inquired about the name change I was told that the home service club was part of choice warranty. I never wanted choice warranty, I had heard too many complaints against that company. That not transparency. An order was put in for the repair. So I'm waiting,... Read More

karelwagner1
1/24/2023
I am totally frustrated with this service. I filed a claim for my water heater. It has been out since 1/19/2023. It took over 48 hours to find a technician, however the technician they've assigned has not called to confirm the appointment, and as of now they are late for the appointment. They have a phone number that is not answered and no answering service. I tried looking up the name of the company, and I can't find a listing for them. HCS can't even get the technician on the phone. We have been without hot water for 6 days and no one can seem to locate this technician. Customer service says if they start looking for another technician, we will have to start the process over which will... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
Thank you for your feedback. We apologize about the delay in response. Our records indicate you have been in contact with a representative. Thank you for being a valued customer of The Home Service Club.
D
david
11/3/2022
SCAM! SCAM! SCAM! Run AWAY from this Company as soon as you read this. I was dumb enough to fall for this company's sale rep offering services. I had another Home Warranty company that I thought was getting a little more expensive. I thought all of them were about the same. I got really, really duped! When I required service, I pulled out the contract and suddenly discovered in the FINE PRINT of the contract all the "NOT COVERED" parts of each APPLIANCES and SYSTEMS which will more or less find fault in any service you are calling for to fix, repair, or replace. It appears that every item that the company had to pay for in a service call in the past was added to the UNCOVERED list by... Read More

Mary M
11/3/2022
Where to start!! I owned my condo for 2 years and suddenly there was water on my kitchen floor. I soon figured out I couldn't turn the water on as it was leaking under my sink so I washed my dishes in the bathroom. I submitted a claim for a plumber and no-one could come out for 2 weeks!! I live in San Diego, it's not like some isolated area. When he comes out he figured out what was wrong quickly and went to Home Depot for parts. In the mean time my claim was denied!! I also had an air conditioning guy come out and they didn't cover that either. Keep in mind you'll still have to pay their fee on top of the cost to get everything fixed. When the plumber was finished he accidently... Read More

sebastian6175
10/7/2022
It's not bad . Most people just break there own shit and expect the warranty company to get them a new one. Entitlement!!!!!!!!! is all I have to say

cagri.peker
9/20/2022
Terribly slow almost non responsive service, very high service fee per visit (95 USD on the contract despite 60 USD was in the original quote received).

K
Kurt B
9/1/2022
The Home service club is the worst warranty company and based on their totally inept customer service it is shocking that they are even in business. I placed a claim with them, it took several days but a local pluimbing service came out to examine the claim. I paid him $80 for his work. I am not placing any judgement on the person that did the examination. He said that he sent in a request for the approval for the claim and I would be hearing from warranty claim department regarding the approval. I never did hear from them, after a few days I did receive an email stating simply that they reviewed the claim and based upon the information that was sent in by the service person. They... Read More

donnadeamici
3/5/2022
Your company is selling fraud and deceit. We filed a proper claim in February and your company denied the claim based on fabricated explanations not given by the excellent technician sent out to diagnose the problem - your Company, first by the sales department representative, Teresa and then by the approval department/customer service - Tom and Ki, plain out lied in order to deny an appropriate claim. Your representative stated that he spoke to the repairman - he did not! He stated that we had an electric malfunction- we did not! Your representative stated that the problem was preexisting - it was not! After much arguing you offered half. Based on my conversations with the tech when... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for providing us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. Please provide me with your contract number so that we may have someone reach out to be of assistance.
krnfaulkner
8/27/2021
This company is horrible. Will not honor claim and will not issue refund. Experience has been a nightmare. These great reviews are garbage. Please check other sights for the truth. My legitimate claim filed 6/4/21 under contract covering 5/11/20 - 7/11/21 is left uncompleted because I had renewed for longer term (paying $1364.89 for coverage that was supposed to start 7/11/21) and cancelled because original repair was not completed. Now told they couldn't honor claim because contract was cancelled. No - the NEW contract was cancelled the claim was filed under the original. It has been well over the 30 business days stated for refund. This company seems to have very shady business... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for providing us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. A manager will be reaching out to you shortly to address your concerns.
hilarysharon
6/29/2021
STAY AWAY FROM Home Service Club Warranty!!! My experience has been a nightmare. Read any of the reviews (the honest ones, anyway), and you will see precisely how they operate. Their business model is to take the customer’s money, give them nothing but headaches in return. Agents are full of promises never delivered on. • “You can call me back at my personal line anytime.” It’s pretty amusing that the extensions each agent provided were all the same number. If do you call, the mailbox is always full. • “We will call you back today.” (Don’t count on it) • “We have scheduled a technician to come to your home.” They actually sent notices to me via email, with the time, date, and... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for providing us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. Please provide me with your contract number so that we may have someone reach out to be of assistance.
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