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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 ...
F
Ferly M
8/3/2019
What do you love about HSC? Me, I love how they fulfill their promises. Each time. Techs, always on time. Repair quotes, always exact! and customer service, A++++

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. Sincerely, Josh Briggs clientservices@hscwarranty.com
R
Rennie K
8/3/2019
My washer and dryer failed on me while all of us were in for the holidays. I thought I was going through all these laundry bare handed. Good thing my hubby called in HSC and had someone over on a HOLIDAY and fixed both my units. He even came prepared with some parts that needed replacement. These guys are so pro and didn't waste our time. We offered them to stay for dinner but politely refused. I just wanna say that the techs you have sent are so good and very friendly. Thanks for finding the right guys for us Home Service Club!

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. Sincerely, Josh Briggs clientservices@hscwarranty.com
J
Jasmin E
8/1/2019
It's clear by reviewing the information that this company chooses NOT to respond to those who are not satisfied with negative feedback and more importantly choose not to resolve problems timely. Look closely before you purchase. Prices are one thing and customer service is another. I've been without a response for nearly 2 months with a fridge problem. They don't vet technicians properly as they gave a name of someone who didn't even do that type of repair and the second one came and never took a tool out but claimed the fridge was not repairable. I was offered $650 to replace a $2500 fridge. Having made a public attempt for help through this portal and others freedom of speech has been... Read More

adrian.barrs
7/22/2019
Took 10 days to get someone out to add 5% freon to my AC and charge me $125 deductible! Lord help ya if your AC, heat or well pump go out completely and you REALLY need them!!!

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.
B
Brooke P
7/20/2019
I like Home Service Club. They really came through for me when I had a surge go through my home. That was $630 for an AC repair that I didn't have to pay for. Saved me a lot of money! they send professionals to your home each time.

D
David K  
Official Response

CR of Home Service Club Home Warranty
We are pleased to have served you. Thank you for your feedback. We hope to continue to provide you with exceptional service. Please do not hesitate to reach out to us for any of your home warranty needs. Sincerely, Hugh Morgan clientservices@hscwarranty.com
K
kara
6/24/2019
As of now my rating is 1 star. I called in an AC repair on 6/19 and told HSC that we had no AC in any of our sleeping areas. Living in Houston in the summer, not having AC is a problem, especially with young children. It took 2 days and multiple phone calls for a technician to be scheduled. Then they ignored the diagnosis on Friday, again not returning multiple messages and not answering multiple phone calls about next steps. As of today, we are finally told they agree with tech that the unit needs to be replaced but they are trying to find a way not to cover it, and now will not call us back again (since 10:30 this morning) when they stated they would have a quote and coverage position... Read More

S
Sue
5/1/2019
When the garbage disposal wasn't working properly, I called The Home Service Club. When the technician was done checking it out, he told me that replacing it would be the better option. That's exactly what was done. The new one was put in and I love it!

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Sue, We're happy to have served. Thank you. We aspire to continue to supply outstanding support to you. Please reach us out for all of your home warranty requirements. Sincerely, Nancy Hamilton clientservices@hscwarranty.com
D
DawnieS
4/17/2019
I was doing laundry after coming home from vacation, when I realized the washer wasn't spinning. Thank goodness for The Home Service Club. The part needed was on hand with the tech that came out to the house. In no time I was back to getting the laundry done.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Dawnie, We're happy to have served. Thank you. We aspire to continue to supply outstanding support to you. Please reach us out for all of your home warranty requirements. Sincerely, Nancy Hamilton clientservices@hscwarranty.com
D
David V
4/12/2019
Awful service.... quick to take your money , very very slow claims process. We have been waiting 5 days post diagnosis for a decision on the repair of our aircon, its a simple repair, the engineers have the parts , they are chasing , we are chasing , no one answers calls or emails .... If you want to pay for no service get these guys ....the lack of response and courtesy speaks for itself. Monday - Diagnosis ....it's now Friday and we cant get hold of anyone despite numerous emails and calls to them from both me and the engineers. This is my first claim with HSC and I am very very unhappy.

B
BigD
4/9/2019
Worst Company to spend money on Had Service on a dishwasher was bad so they offered a new one i had to pick from a list of them that was from what they offered not exactly what i had lesser value then what had and also had to pay for the install myself which i thought was covered under the plan so had to pay the monthly cost the cost of the service cost and the install all cost me $450 to install a dishwasher all in all this took 3 weeks next was our furnace in the middle of December where we have snow and cold as low as 15F waiting for a week on the service to get out to us finally got to us and just took pictures and left this company said our furnace was neglectful and wasn't said we... Read More

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