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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 ...
J
JasonC
9/23/2016
When I called they picked up the phone rite away I did not have to wait to speak to someone I was able to get service the next morning. This is exactly as advertised a good service.

O
Omer A
9/15/2016
In June 2016 I signed a warranty contract with Home Service Club (HSC) to cover my aging systems an appliances since my house is built in 1997. My main concern was my AC system specially in the heat waves of the south when it works the hardest. A couple of days ago our 2nd floor A/C unit stopped cooling so I gave them a call and a day later they sent someone to take a look. The technician said the unit is working but is low in the refrigerant (Freon) and there might be a leak somewhere. So he called them back and I overheard him discussing replacement costs with them. I then received a call from HSC and they told me since my contract with them is rather new they think this problem is... Read More

R
Roland S
9/12/2016
Repair man came out that this compnay sent and did a repair on out air conditioner. worked great for a few days and then gave out agian. We called the repair man and he came out agian and this time said it was a much more significant failure and a differnet one from last one and we needed to let warranty company know. At first it was a bit frustrating because we felt he should have diagnosed and repaired it the first time. After talking to the warranty company a few times and doing some research it seems that there was no way he can diagnose it cause it was working and the part failed electrically. Other than that litle back and forth a few day span everything was completed and went well.... Read More

I
Ingrid K
8/18/2016
Thank you HSC especially Daniel Baker for all your Help .I was very impressed with ALL the Help that I got from Him getting a New AC and quickly installed.

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com
I
Ingrid K
8/17/2016
Thank you Home Srvi e Club for promt Service.My Coil went out so they helped me to replace the whole System . Thank you HSC

T
Trung D
7/26/2016
I purchased a home warranty from this company on 06/17/2016. I initially decided on HSC due to their no hassle online service request and the information received from their customer representative. I bought the comprehensive plan and added roof coverage as my package. I told HSC that my house was an older house and all the appliances were on the older side and would probably need repair soon, and asked if that would pose any problems as far as service request or coverage. I was assured by the HSC that as long as it was past the 10 day waiting period and was not a "pre-existing" condition repairs will be honored and/or service request. My AC unit went out 7/09/2016 and I filed a... Read More

O
Oleg
7/21/2016
I researched home warranty companies for several weeks. The Home Service Club got into my final choice, based on being "Best in Service" by Home Warranty Repairs the past two years - 2015 and 2016. For Real? Recently I had an extremely frustrating experience with them. I was very unsatisfied with service and unreasonably long waiting time. So after all, I am going to cancel my policy immediately. All my AC units were inspected by Home Service Club subcontractor service team, after I have called them and informed that, I will need a repair, because my regular AC maintenance company has detected some coolant leakage in one of the units, and have strongly suggested some parts... Read More

R
Rita B
7/15/2016
Its rare that I write such things but I feel really good about the way I was treated and the service i received. last week we entered our second year with this home warranty, and we placed our third claim. We had a issue with the water heater it was leaking from the bottom of the water heater. They sent out a plumber who came with a new water heater in his pickup truck. They had not been out to see the water heater but the person on the phone asked if I would not mind going to the water heater to look at it and go over some simple questions, I was happy to do so. The plumber showed up and replaced the water heater there was no headaches no issues at all.

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com
M
MB
6/28/2016
I called earlier today around 1pm. The customer service lady told me I did not have a claim with them. I was taken aback by this information, so I checked my bank account. Yep! They sure took their money out of my account just like I thought. I called back, only to wait for over one hour--someone abruptly disconnected me from waiting on hold. I called back again and after 3 minutes was able to speak to someone. I placed my claim for a busted air conditioning in my home. I was told that I could call "after a week" in order to file a claim (this is what makes them different from their competitors). However, the young lady then told me that I had to wait 24 hours in order to file a... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com
J
James
5/25/2016
Just got of the phone with Anna, Submitted claim for microwave (which had actually been failing for several weeks) and oven, tech came 2 days ago and said neither could be repaired (units to old, parts not available) and would need to be replaced. Did not hear from HSC so after 2 days of tech visit I called and they said they were still working on determining how to handle a case that involves units to old to get parts for (hard to believe a home warranty company has not dealt with this scenario many time before). Appears they do not want to replace units although that is the only option. Anna refused to give me a time line of when I could expect to hear back, three days from Memorial Day... Read More

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