Home Service Club Home Warranty Review

Rating: 9 / 10 (Excellent)
69 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.

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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2 More


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

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69 Customer Comments & Reviews

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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.

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!