Home Service Club Review

Rating: 9.1 / 10 (Excellent)
34 Customer Reviews - see all reviews
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How is Home Service Club rated?
Plan Value
Customer Experience
Contractor Network
Customer Base

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.



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Latest Reviews

Based on customer reviews
34 Reviews
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Jarvis M
Fort Wayne, Indiana
They installed new water heater for us after it burst and started leaking. I am somewhat versed in the field and was able to tell them the specs and answers they needed to order a matching correct water heater and save on unnecessary service calls. The tank holding water had a visible burst in it which cannot be fixed. They delivered a new water heater and the same plumber from one of our previous claims came to install it. The new water heater works perfect.

Do not get pay this company one penny!!!!!!!! When they had to pay out they dropped me on the fist claim wow. They Suck!

Ulrick H
Burlington, Vermont
So this is for our first experience with a claim. First claim ever with any home warranty. We are new to the idea of home warranties and have been paying our monthly bills and now our bathroom had a leak and a big puddle. We requested a plumber on the phone and a girl took all of our information and very confidently said she'll call us back soon. We missed a call and got a message from her telling us a plumber was set to our request. Another girl called this time from the plumbing company and we scheudled an appointment for later in the day when they had availability. The plumber came and had to take apart our toilet and change the flange and ring and put all back together. He tested the... Read More

shaw m
Indianapolis, Indiana
A man came out from a heating and cooling ocmpany we have used before and replaced the blower motor and capacitor and all we paid was our deductible instead of the $700 it costs, and in half an hour all was over. The system works fine and the man said it was in great condition and claim was over before I knew it.

Jack G
Henderson, Nevada
For those of you that left a bad review on this site, I can only disagree in the strongest terms. I had been a subscriber to American Home Shield for 7 years at my last home. Most of the time when I called them, they wanted to deny the claim and weaseled out of everything they could. When I moved to my new house in 2013, I dumped AHS and researched all of the current home warranty services online, comparing prices, service, costs and user reviews. I settled on Home Service Club. And here's the thing I am kicking myself for. They were SUBSTANTIALLY lower in annual cost than AHS. I could have saved enough for a REALLY nice vacation and saved a lot of aggravation if I had switched to... Read More

Grand Rapids, Michigan
Huge thank you to Denise for staying later and making sure my claim was taken care of and my water heater was being delivered. Amazing help and follow through and our family is very thankful. Hot water is flowing and everybody is happy.

Harry R
The Colony, Texas
I filed an emergency claim with Home Service Club Warranty for a leaking hot water heater on June 3, 2016. Eight (8) phone calls and three (3) online request over four (4) days no one contacted me about repairing/replacing the hot water heater that was flooding the basement. The water heater was leaking into the basement during this ridiculousness. To date I still have not received any communication from Home Service Club Warranty or a plumbing company to make the emergency repairs. I ended up replacing the hot water, repairing all the water damage and mold myself. If you are considering using this company - you have been Warned!

Grantham M
Tallahassee, Florida
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... Read More

Elias S
Indianapolis, Indiana
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 M
Somerville, Massachusetts
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!

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