Home Service Club Home Warranty Review

#3 in Home Warranties

The Home Service Club Review

Based in New York City, The Home Service Club is one of the leading home warranty providers in the country today. Operating in 49 states the company maintains a vast network of trusted and vetted contractors. The Home Service Club has a great reputation for customer service in an industry that often comes under fire for bad customer service. Although no home warranty company is free of bad reviews, the Home Service Club generally has the fewest. The company puts an emphasis on customer service and follows up with clients to make sure they are satisfied with their experience. The Home Service Club also holds their customer service team to very high standards, addressing and attending to negative reviews wherever possible, making sure whatever happened to upset the customer is ultimately resolved.

The Home Service Club has the largest list of appliances and systems covered out of all the home warranty providers we've reviewed. In fact, the company's standard plans cover many items that would be additional items in another home warranty company's plan. For this, the Home Service Club ranks highly in the categories of Plan Value and Customer Experience. 

Unique to the Home Service Club is their double guarantee promise of satisfaction. This means that if their “service contractor” is unable to complete the repair, the company will take charge of completing it.

Plan Value 

Premium and Deductible

The Home Service Club offers two levels of coverage, Standard and Comprehensive. The company does not feature appliance or systems only plans. The Standard plan covers an extensive list of systems and appliances. The Comprehensive plan adds 14 more items to the list. One of which is pest control which is a coverage unique to the company. We found the average annual premium for the Home Service Club to be around $400, but you will have to get an accurate quote for one of the plans directly from the company. 

The trade service fee (what you pay the technician who comes to fix whatever is broken at your house) is flexible. The Home Service Club allows you to choose between $65, $95 and $125. The call fee price you choose will influence your yearly premium.

Items Covered

The Home Service Club offers the most extensive list of covered items in the home warranty industry.

Standard Coverage




Air conditioning

Clothes Dryers

Ceiling fans

Clothes Washers

Central vacuums


Electrical systems

Food Centers Built-in

Garage door opener

Freestanding Ice Makers

Garbage disposals

Microwave Oven (Built-In)

Heating systems

Ovens Ranges Cooktops

Plumbing systems (faucets)


Plumbing systems (toilets)

Trash Compactors

Water heater



Comprehensive Coverage

Includes all Standard coverage plus:

Alarm Wiring
Gas Leaks
Instant Hot and Cold Water Dispenser
Pest Control
Plumbing Stoppage Coverage
Recirculating Hot Water Pump
Smoke Detectors
Sump Pump
Telephone Wiring
Water Leaks
Whirlpool Motor & Pump Assemblies
Whole House Exhaust & Attic Fans

Optional Coverage Add-Ons 

(Additional cost per item)

Additional Clothes Dryers
Additional Clothes Washers
Additional Dishwashers
Additional Water Heater
Freestanding Additional Refrigerator
Freestanding Freezers
Freestanding Ice Makers
Jetted Bathtubs
Pool and/or Spa Equipment
Refrigerators Built-In Units With Dual Compressors
Roof Coverage
Sewage Ejector Pump
Spa and Spa Heater
Water Softener
Well Pump


All items in the Home Service Club contract are subject to individual caps. They are all spelled out and clear item by item in the contract. The company also has an annual aggregate cap depending on the plan. For the Standard plan the annual max is $6,000. For the Comprehensive plan it is $9,000.

Customer Experience

The Home Service Club ranks highest among the home warranty providers we've reviewed for customer experience. They have the highest percentage of positive reviews across the largest customer review websites. Also, they are consistently ranked in the top three home warranty companies and cited for their excellent customer service by independent 3rd party entities. The Home Service Club was graded B+ by the Better Business Bureau.  

*Universal Home Warranty Caveat- The entire home warranty industry has a disproportional amount of negative reviews. No company we've looked at escapes this. In terms of customer reviews we are grading home warranty companies on a curve in relation to each other. For a more detailed look into the public perception of the home warranty industry click here


You can read or download the Home Service Club's sample contract here.

The Home Service Club contract is clear and easy to understand. Each item covered has the specific caps spelled out in black and white. However you must read to the end to see that the company sets a limit of $2,500 per claim and yearly aggregate maximums depending on the plan. Your coverage kicks in as soon as you purchase the plan, there is no 30 day waiting period as there is with most other home warranty providers. Also, there is no initial period where the coverage is less.

The Home Service Club's cancellation policy is straightforward and free of ambiguity. If you cancel within the first 30 days you will receive a full refund less any claims they paid out and a $45 processing fee. After 30 days you'll get a pro rata refund for remaining term less anything they had to pay and the $45 processing fee.


All home warranty contracts have restrictions, i.e. reasons and stipulations why the company will not cover a specific system or appliance. We're looking at how easy-to-understand and reasonable these restrictions are.

The Home Service Club restrictions are detailed and clear, but excessive compared to a lot of the other companies we rank, particularly when it comes to AC/Heating/plumbing. For any given item there are multiple reasons why that item shall not be covered. However, there is no mention in the company's contract of requiring customers to furnish maintenance records upon request.

Contractor Network

The Home Service Club maintains a large base of qualified independent contractors across the country. The company employs a careful screening process for vetting contractors making sure they meet their requirements for customer service. The Home Service Club monitors and grades their contractors through a Customer Satisfaction Survey Program. 

The Home Service Club – Final Thoughts

The Home Service Club gets high points in the diversity of items they cover and their excellent customer service. Homeowners searching for coverage for highly specialized home items could find this in the company's Comprehensive plan or optional items. Its double guarantee is also a plus ensuring that all your home appliance and system concerns are addressed correctly.



Latest Reviews

Based on customer reviews
20 Reviews
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Home Service Club Home Warranty
Grantham Mass
Tallahassee, Florida
Home Service Club Home Warranty review
Our twelve year furnace gave out way before its time and the part that went was under a twenty year warranty from the original manufacturer. The maintenance inspector who came to our house originally turned it off and deemed it a safety hazard and told us we cant turn it on at all because it releases carbon monoxide into our house. We've been with HSC for a few years now and always had pretty good experinces with them, but this was a very important situation with us not being able to use our furnace. The did what they always do and sent out a technician who has already been out to my house about a year and a half ago for my air conditioner. He quickly confirmed the cracked tube and agreed with the inspector and reported to HSC. A day later I receive a call from the agent who took my claim and she informs me that a specialist will be contacting me about my furnace replacement. I was a bit confused since i thought they would just replace the part that would come free from the manufacturer and just cover the labor but patiently waited for the call. Another lady called me an hour later and to my surprise confirmed that the furnace would be replaced. I was explained that the labor amount and work would cost as much as just swapping it out and replacing the part would still leave me with an old furnace and a much lower energy efficiency. Everything made sense and I was happy I was getting a new furnace though soemthing still seemed strange. But a new furnace was shipped to my house and the same technician came a couple of days later and replaced the old one with the new one, praised the procedures of HSC, took my deductible and left. I have a new furance in my attic, straight out of the box and i registered it for a full manufcturer's warranty again. I will see what the change in my energy bills it brings but it works great.

Elias Sekimoto
Buffalo, New York
Home Service Club Home Warranty review
replaced a brand new dishwasher for us. We did have to pay a little over the coverage approved but overall got a brand new maytag dishwasher and its beautiful. Would have been nice to not have to pay anything over but it is what it is it wasn't much and we are happy with it.

Brandon Mcnaughton
Buffalo, New York
Home Service Club Home Warranty review
We just moved into our new home and had a few issues. The inspection company noted a bad air conditioner, bad electrical wiring, a faucet leak, and some outside and window issues. And then seller claimed to have repaired all and provided paperwork. Most of this was still there once we moved in. After speaking with the warranty company and learning that those issues are not their responsibilities we thought we were stuck. Denise helped us with everything! The air conditioner and the elecrtical and leaking faucet are all working fine now and their techs did a great job. We got it done for dirt cheap and Denise even got us covered for some of it!

Faydra Himawan
Buffalo, New York
Home Service Club Home Warranty review
Got a new dishwasher shipped to my home after I chose from a list they gave me. Same color same brand as what i had but newer and better and they called after the delivery came to make sure i was happy and asked if i would review them.

Sande Frey
Baltimore, Maryland
Home Service Club Home Warranty review
Air conditioner serviced for the tird time this summer. Surprisingly it was a different problem each time. First time a man came out he replaced a capacitor and had to do some rewiring and it was covered. Second time he came out and had to add some refrigerant and perform a search to locate where it had leaked out from. It was covered but I did have to pay for some refrigerant. Third time he came out and had to replace a valve and do some welding or somthing which took some time. It was covered. Seems to be working fine now good service.