Home Service Club Home Warranty Review

Rating: 9 / 10 (Excellent)
66 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.

How is Home Service Club rated?


Contract & Price
Claims & Service

Overall Rating: 9 / 10 (Excellent)

Despite Home Service Club’s relatively high premiums and service fees, their home warranties otherwise meet the industry average. Their ratio of positive to negative 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, even when compounded with both itemized and term-level caps.


Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
Typical Appliance Benefit Limit
Typical Systems Benefit Limit

Coverage - 9.3 / 10

Home Service Club's coverage level makes them an industry leader., with over 32 explicitly mentioned items. This comes at a price, however, as they've set a per-unit cap that ranges between $300 and $2,500; 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 Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Instant Hot/Cold Water Dispensers
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pumps
  • Telephone Wiring

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwave
  • Free-standing Ice Makers
  • Trash Compactors
  • Garage Door Openers
  • Built-in Food Processors
  • Garbage Disposal
  • Stand Alone Freezer
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2 More


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?

Contract & Price - 9 / 10

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


Service Fee
$65, $95, and $125
Maintenance Records Required for Service?
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Service Recall Period
30 days

Claims & Service - 8.4 / 10

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, there is no limit of the number of claims that can be processed.

Home Service Club Reputation

Company Details

Year Founded
NHSCA Membership
Number of Employees
TrustPilot Rating
8.1 out of 10
BBB Rating
BBB Rating
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 9.1 / 10

Though not a member of the NHSCA, Home Service Club boasts a TrustPilot score of eight out of ten, as well as a C+ Better Business Bureau rating. The latter is based off of 51 positive reviews, 2 neutral reviews, and 19 negative reviews.

Contact & Additional Information

Homepage URL
Company Phone
(800) 601-1009
Headquarters Address
305 Broadway, 9th Floor, New York, NY, 10007
Year Founded

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66 Customer Comments & Reviews

Loading Reviews ...
douglas p
El Paso, Texas
Good experience . Their HSC rep was very courteous. He answered all my questions over the phone and he made sure that the plumber was in contact with me to set an appointment for the leak.

chris j
Alexandria, Virginia
I noticed that our garbage disposal was giving off a foul smell.I realized that it had to do with some of the remnants in the disposal and so I tried to clean it out. the smell never went away but then several days later I could not turn the disposal on. Although I flip the switch the disposal never turned on. I went online and found how to set up a claim with HSC. the process was fairly easy and straightforward.

ALex s
Birmingham, Alabama
From start to finish, it was a good experience. Firstly, the claims specialist was more than helpful in getting a technician out to my house quickly even with my busy work schedule. I had a problem with my washer not spinning. I tried somethings to get it to work, but to no avail. Once the technician came he was able to diagnose and fix the problem accurately. Washer spinning smoothly again.

Cleveland, Ohio
This company is BEYOND TERRIBLE. They have not reimbursed several claims AFTER they were approved. Their wait times are horrible. They never return emails or calls. I would NEVER buy a contract from them again.

Houston, Texas
We lost power in 3 rooms and so I called HSC to fix it. They send an electrician, he was efficient, and seemed to know what he was doing. Everything was back to normal quickly.

Somerville, Massachusetts
My washing machine broke out of the blue and I needed it fixed ASAP because of the inordinate amount of dirty clothing that my children produce. On a daily basis there is literally a pile of laundry at my house waiting to be cleaned. I was wowed by how fast these guys responded to my request for my machine to be repaired. The dispatch lady was easy to talk to and she understood how I needed my washing machine repaired ASAP. I was able to schedule an appointment for a repair person to come out the very next day. The washing machine is back to normal. Now I’m just trying to find the robot housekeeper from the Jetsons that can fill and empty the machine for me.

Ryan K
Salt Lake City, Utah
Our dryer was producing clothes that were still damp after an hour on the highest temperature. Clearly, we had a problem. One call to The Home Service Club and the problem was solved. They sent us a dryer repair technician who came to our house and replaced the heating element. The Dryer repair tech said that the machine was in good enough shape that I could get at least five more years.

fei h
St Louis, Missouri
A few days ago, I decided to charge my chromebook but as soon as I plugged the chromebook in, all the lights went out. I didn't know what to do, but my boyfriend had the warranty. His parents purchased it when they bought the unit for him. He told me to call, he always gives me the tedious jobs. I thought it would be annoying but it wasn’t. The rep that I talked to for making a claim, got me in touch with the electrician, who was able to come the next morning to fix the issue.

Montgomery, Alabama
My toilet was clogged . I tried plunging but nothing happened so I called THe Home Service Club. The plumber that they sent had a big machine and the snake kept jamming up. He had to go back to his office to get a different snake. There was something wrong with the motor of the snake that he came with. Once he returned with a working snake, he completed the work in less than 10 minutes. The remainder of the time was spent on him cleaning up the mess that the snake produced.

jim z
Louisville, Kentucky
The washer was giving us problems so my wife filed online with The Home Service Club. The repair tech that came said that he would have to order parts for the repair. My wife explained how much she hates going to the laundromat. The repairman ordered the part from a local supplier so that it would be delivered the same day. Later in the day, he came back to install the new part. All we paid was our $65 deductible and that is all!

Top Rated
Our Partner
9.0 / 10
  • Strong online ratings and reviews
  • 24/7 service team schedules repairs fast
  • No home inspection needed
  • Extensive list of system and appliance coverage
  • 2 plans to fit your budget
  • Award winning service!