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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 ...
N
Nathan
1/31/2020
My installed microwave started sparking over three weeks ago and have recieved the run around ever since. Initially, I couldn't file a claim without the homeowner's inspection. Then every technician they had spoke with stated it needed replaced and that is not covered. I sent them a picture of their website stating repair or replace. Then they offered us $75 even though it is an expensive microwave. Eventually a supposed technician contacted us and immediately knew the problem but needed approval to order parts. Then HSC contacted my wife and stated they had just verified it was covered by the manufacturer warranty which we then contacted the manufacturer and verified it had... Read More

D
David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for taking the time to provide us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Please be assured that we value the feedback and will utilize this input to improve our training and processes. We pride ourselves in having satisfied customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. We apologize if you are not happy with the product purchased for you and if the purchaser misinformed you of what our product offers. For this specific product that was purchased for you, a home inspection report is needed, as we offer perks to new homeowners. Our records reflect that you were in contact with a supervisor. We hope she was able to clear up any miscommunications, misunderstandings and/or frustrations. Should you need further assistance please feel free to reach out to her directly.
J
Jared S
1/15/2020
The procedure was smooth from beginning to end after the problem was presented to the technician. He just went outside to get some needed parts and when he came back, he repaired it in just an hour.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Your response is greatly appreciated. Thank you for taking the time to share your feedback. we look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time.
jstosz
12/30/2019
Please believe reviews indicating that home warranty plans are essentially scams. I have had multiple of these home warranty plans over the years because I've owned rental properties. I've read some of the reviews below and they do not reflect reality. For example, the procedure used by HSC is that the repairman cannot fix anything until after being authorized. You submit a claim and a repairman comes to assess the problem after which HSC must authorize the repair prior to the repairman actually fixing anything. This procedure includes an indefinite delay, which can be days, between the repairman assessing the problem and HSC authorizing the work. You will save money by not having a home... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for taking the time to provide us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Please be assured that we value the feedback and will utilize this input to improve our training and processes. We pride ourselves in having satisfied customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. We apologize if you are not happy with our product and with what our product offers. Our records reflect that you were in contact with a supervisor. We hope she was able to clear up any miscommunications, misunderstandings and/or frustrations. Should you need further assistance please feel free to reach out to her directly.
jessicalfisk
12/16/2019
SCAM-THEY PAY FOR FAKE REVIEWS. We have diligently paid this company for 3 years and the first claim we make, we cannot reach anyone for a week and had to call and sit on hold for upwards of 20-30 minutes each call to finally reach someone. Most of the time, they do not answer and you receive an automated voicemail saying to please call back and that no one is available at this time. When you finally reach someone, they are rude, unapologetic, and just blame the previous rep for the mistakes on your work order. We never had our claim resolved & gave up after a week. We ended up paying a local company to fix our problem and I have been trying to cancel this warranty ever since. I'm going on... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for taking the time to provide us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Please be assured that we value the feedback and will utilize this input to improve our training and processes. We pride ourselves in having satisfied customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. Our records reflect that the number that, many agents, on numerous occasions, called, was not allowing them to leave voice mails. We are sorry for any frustrations and to see any customers go. We wish we could have gotten a hold of you to get all of your issues resolved. We regret any inconvenience this matter may have caused. However, HSC did not dispute the chargeback and have we have waived your account balance. Should you need further assistance please feel free to reach out to her directly.
microsaeid
12/10/2019
It's one of the worst companies I have ever seen in the US. They charged me $650 for one year, but when my AC got a problem, it's about 3 months I was calling them, but nobody took care of it. And When I call them too talk to a supervisor, again the same agent answered me. The same person that for three months did nothing for me. Update 12/10/19: After I put this review, the supervisor called me and then send an email to me. Although the serviceman reported that just compressor has a problem that is about $500, but in their email, they told me "Your quote stands at $4,600 for FULL SYSTEM replacement."!!! This is why I said, "the worst company I have ever seen in the US". Don't trust... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
Good Afternoon, 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. Please be assured that we value customer feedback and will utilize this input to improve our training and processes. Can you please provide me with your contract number and the best call back phone number, so that we may have someone reach out to you directly. We look forward to speaking with you. Have a great day.
C
Carolyn
12/3/2019
I have had to call multiple times to get services. They condition you to answering whenever they want. I tried to call them for an evening (7:00 pm PST) service, only to get a guy who can’t, or won’t do anything for you. Tried calling the following day, and the next day and a week later and now it’s been moths and still no service. Don’t waste your money or time. This company is a fraud.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Good Afternoon, 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. Please be assured that we value customer feedback and will utilize this input to improve our training and processes. Can you please provide me with your contract number and the best call back phone number, so that we may have someone reach out to you directly. We look forward to speaking with you. Have a great day.
J
jay
11/26/2019
very poor service at least for me, tried for almost 2 months to get a covered repair no contractors will work with them they all said HSC and other home warranty companies don't pay them as they expect the contractor to fix the problem for the cost of your small deductible only. I had to fix it myself what a waste of money to pay this sham of a company for nothing.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Good Afternoon, 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. Please be assured that we value customer feedback and will utilize this input to improve our training and processes. Can you please provide me with your contract number and the best call back phone number, so that we may have someone reach out to you directly. We look forward to speaking with you. Have a great day.
Z
zeyg
11/21/2019
I had heating system issue on my new purchase house . After a long wait they assigned technician .The technician didn't had a glance of the system and told us to replace it.He said the issue is rest rust and it needs to be replaced.HSC only offered to cover 20% of the cost.Then we brought another technician and fixed the issue in less than 20 mins.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Good Afternoon, 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. Please be assured that we value customer feedback and will utilize this input to improve our training and processes. Can you please provide me with your contract number and the best call back phone number, so that we may have someone reach out to you directly. We look forward to speaking with you. Have a great day.
chslatrecia
11/11/2019
I see there are only replies to the positive comments, but I hope someone from the company will contact me. In August 2019 my air conditioner stopped working. I put in a work request online, but didnt get an email confirmation so I called. The rep said the information was received and being processed. The next day I had to call to see who was assigned. I called the company and they stated there was an issue with the service request on Home Service Club's side. I called back to HSC who said they were updating the order. I called back and forth between the companies for 5 days in the heat of the summer before having the work done out of pocket. When I followed up HSC said the company... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for taking the time to provide us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Please be assured that we value the feedback and will utilize this input to improve our training and processes. We pride ourselves in having satisfied customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. We apologize if you are not happy with our product and with what our product offers. Our records reflect that you were in contact with a supervisor. We hope she was able to clear up any miscommunications, misunderstandings and/or frustrations. Should you need further assistance please feel free to reach out to her directly.
jessicaleighwilliams8
11/4/2019
If it was possible to give zero stars I would. My AC broke during the hottest weekend of the year- I tried calling in but HSC is closed on the weekends. I chose to go outside of network in order to have the issue addressed immediately, as it was almost 100 degrees INSIDE. I felt that it was reasonable to get emergency work done and request assistance after. 2 months, 3 points of contact and 7 emails later I am told that there is no consideration for emergency services done outside of the policy. I was also given the argument that even though they are closed on the weekend, the website is always accessible - however their technicians are all closed on the weekend as well. None of... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
Good Afternoon, 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. Please be assured that we value customer feedback and will utilize this input to improve our training and processes. Can you please provide me with your contract number and the best call back phone number, so that we may have someone reach out to you directly. We look forward to speaking with you. Have a great day.
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🔥 LIMITED TIME OFFER: $400 OFF! 

$150 OFF + 2 Months Free + Free Roof Coverage

  • Appliance-only, systems-only, or combination plans available
  • Covers single-family, multi-unit, and rental properties
  • Multi-year discount available
  • No home inspection required
  • File claims online or by phone
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