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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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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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

Dmitriy K  
Official Response

Senior Vice President of Home Service Club Home Warranty
Thank you for your feedback! Happy Holidays!

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

Sharon M
Richmond, Virginia
I have experienced nothing but poor customer service from HSC. The list of issues that I have experienced runs the full gamut, including (1) requesting service and not receiving a call back until one week after the service request was made, (2) waiting no less than 10 minutes for a customer service representative to answer when calling the 800 number, (3) being dissatisfied with the vendor response upon being assigned, and (4) a lack of follow-through when offerings have been made for resolution of a problem. I will address each issue more specifically below: 1. I once requested service via the website using their submit a claim link. Despite the service request having been submitted, I... Read More

Avery D
Columbus, Ohio
At my age I can no longer do much tinkering around the house. Even when sometimes just getting around becomes difficult. I bought a warranty because my kids pressured me into it. But I don't regret it not one drop. They keep a home as large as mine running. I would recommend to any senior citizens to buy a warranty plan like this. You may be stubborn, saying you don't need one as I did, but once you get one it'll be a load off your shoulders.

James H
Wichita, Kansas
We finished a claim and told Steph we will be happy to share our good experience with it. We had an central air conditioning issue and it was a big job. Long story short we ended up replacing half of the system and converting the other half so it is new and up to all todays codes and saved us a bunch of money on it. We had to do some research on it but Steph was wonderful and helped a lot. She exlpained the issues and obtacles, she was the one who suggested this route, and really and thoroughly followed through with us and our claim. I would love to hire her for my company we could use good people. The new air conditioner is working great and we are all very satisfied. 

Austin, Texas
7/27 I'm updating the review to average because HSC got the problem resolved, the repair was paid for, and we received promises of better service in the future. I won't go higher because it was not painless, and I have no proof it will be in the future--yet. HSC called a local company that was supposed to respond to our electrical problem and we never heard from them. Customer service didn't escalate to a supervisor until after I complained loudly and publicly. The problem was with the electrical panel, in 100+ degree heat, and could have been dangerous. Never had a problem with this issue before. Yet, we could not get service. We paid for the repair to make sure our house didn't burn... Read More

Jenny C
Baton Rouge, Louisiana
I have gone through several home warranty companies before i found this one and let me tell you they are HONEST! this company is more than fair and has always been completely honest in every way. To date I have had 3 claims and each has been handled quickly with good contractors and no issues. It took a long time to find such a good company and I'm happy I did I'm a single mother of four and am completely helpless when things break down so its great to have a home warranty you can really depend on.

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!