Home Service Club Home Warranty Review

Rating: 9 / 10 (Excellent)
69 Customer 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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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

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!

Latest Home Service Club Reviews

Based on69 Reviews fromHome Service Club customers
Fred G
Newark, New Jersey

Very happy with the Home Service Club repair service ,called about a dishwasher leak and provided a model number, When the tech arrived, he replaced the water valve that was overfilling my machine. Problem solved in one visit!

Jayne M
Los Angeles, California

My experience with the Home Service Club was simple and easy. It was stress-free from start to finish. Our dishwasher wasn't working I'm so call that the home service Club you received a call that day and arrange for a visit the very next morning. The repair company showed up and completed the repair in one visit.

wren s
Little Rock, Arkansas

On 1/16 we filed a claim for our heating system which stopped coming on. On 1/18 the repair tech was out and working on it. It took him a while to figure out the issues and our space is tight so getting ot the system and working on it was difficult. Some board was found to be faulty which he called in and got approval to replace. The heating unit worked for a few days and stopped again and we called it in again. The same repair technician was dispatched and we all sighed when he got here remembering how difficult it was to work on this with the space here. We even contiplated increasing the opening and breaking walls which he said we'd need to do if it was to be replaced. It turned out to... Read More

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!

Little Rock, Arkansas

These guys were reliable from first contact, to sending out the plumber and then completion of the job. I called with a leak. They sent a plumber who was very friendly and didn't mind my 8-pound guard dog barking at him incessantly while he worked. The repair took about a half hour from start to finish. Also pleased with the cleanup after the work was complete.

ethel b
Detroit, Michigan

Our cooktop range stopped working. The HSC called the techs in for us. Our tech was very knowledgeable and competent. In addition to fixing the range, he also tightened the loose handle that kept on falling off. I really appreciated the extra touch. Hard to find young people that take pride in thier work these days.

Ellen Z
Scranton, Pennsylvania

As a very busy working mom of four, I need to freeze my dinners in advance. I usually spend Sunday cooking and freezing food for the week, I can’t go long without my freezer. This past week, it just stopped working with a load of cooked meals inside. Hours of hard work just melting away! I called HSC with my baby screaming in the background. THey were patient with me as I could barely hear them over the kids. The repair man that came for the freezer found that the problem was with the thermostat. He managed to fix it in one visit.

Jake W
Omaha, Nebraska

Home Service Club came to the rescue with my broken water heater. We hadn’t been getting hot water for 2 days so I called to make a claim. They sent someone to perform a thorough check on why the hot water was not working. The tech explained to me what the problem was and after that he fixed it.. He taught me a lot about how to maintain the plumbing at home in conversation while he was working.

Mark R
Austin, Texas

I had a big problem getting someone out to fix my water heater. They did finally elevate it to a high supervisor who offered several options. So i consider the issue resolved.

Sarah A
Minneapolis, Minnesota

They sent us Benji (I hope I spelled that right), the plumber when our hot water heater stopped working. It took him a little over one hour hour from start to finish. He made sure to put floor and furniture cover before starting work and thoroughly cleaned up afterwards. We have a finished basement and so I was very glad not to have a mess to clean when he was done. Also glad that the hot water is hot again.

Miriam R
Paterson, New Jersey

I woke up to a dishwasher that would not turn on. It has one of those boards with flat buttons and when I pressed start nothing happened or lit up. I pressed other buttons and nothing happened no lights. Dead machine. After checking the outlet and that the dishwasher was plugged in, I called The Home Service Club. It turned out that the machine was faulty. The Home Service Club sent me a brand new Dishwasher. I actually like it better than the one I had.

Milford, Ohio

***Update 12/20/17*** It continues to astound me that a company as unethical as the Home Service Club is still legally allowed to operate in the United States, especially in a state like New York with strict consumer protection laws. I have spent the last two weeks attempting to get them to honor a contract that they issued and they simply refuse. If you feel that you have been treated unfairly by the Home Service Club, please consider making formal complaints to the following agencies (most have online forms available to do this). -Better Business Bureau -New York Sate Attorney General -the Attorney General in your state -New York State Department of Financial Services... Read More

Janet R
Shreveport, Louisiana

When the dishwasher went bad we went on to file a claim and based on previous experiences with an old warrnaty compnay we had we did not expect this service. We expected a long time of waiting, a strange technician, a lot of back and forth, and all that good stuff. So we were naturally surprised when we got a call shortly after placing the claim asking us for a model and serial and brand info on the dishwasher and the representative saying that they are trying to skip the diagnosis process and just accept it as covered and replace it. Our dishwasher was old and honestly we wanted to replace it for some time now and had this conversation but just never got around to it. So this was a... Read More

melissa f
Columbia, South Carolina

I've had my microwave not work for some time now and kept forgetting to claim it with the home service club. They had replaced my dishwasher a few months back with a new stainless steel one that I selected after a technician deemed it unrepairable. I finally remembered to claim it and was expecting the same technician to be dispatched but Danielle called me afterwards offering to replace it without having the technician even go out. It was an old microwave as old as the dishwasher, original to the home, and it made sense not to waste the time and money on the technician despite him being a very good tech. She offered me a list of models and I selected a stainless steel one again to match... Read More

Baltimore, Maryland

Long and complex air conditioning claim just finally finished and we are very happy with the result and the attention we received. To make the long claim story short, we ended up replacing the outside unit with the new refrigerant system compliant with code and were able to convert the existing inside unit to the new refrigerant to woirk together. Saved us from having to take off the door and replace entire indoor unit which is in good condition and was installed few years ago but was still using the old refrigerant to match the old outside system. We did not know that was possible but apparently a metering valve can be added to some inside units and we had one that could. Warranty... Read More

Omaha, Nebraska

I had HSC for over 4 years and moved in May of 2017, a couple days after I had moved I called them to update my information. After giving them my new address I was told everything was up to date. In September of 2017 my A/C unit went out and I call to file my first claim with them, but instead was told that since I had moved my warranty would need to be re written and the claim would not be covered because it was now pre existing. I was mad but understood that the person I had spoke with in May must have been misinformed so I said that's fine just refund me back to May of 2017 since nothing would have been covered. Then today, 10/4/17 I received a phone call from them saying they wouldn't... Read More