Home Service Club Home Warranty Review

Rating: 9 / 10 (Excellent)
62 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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62 Customer Comments & Reviews

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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. 

Manor, 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.

Karen P
Brandon, Mississippi
Do not use this company. Customer service is bad and everything is going to be pre existing. I do not know how this company got in the top 10. Maybe they were meant to be in the bottom 10. It took them a week to get someone out to check on my air and yes they fixed one part, they said it was a courtesy to us. But it still did not fix my air. So, now I am out $125 for service call, still a broke air conditioner. They do not cover Freon. And now everything is pre existing unless it's brand new, but I'm sure they will find away around that. Don't use them!!

Ansell M
Fort Wayne, Indiana
We have nothing but great things to say about this company. Ray helped our prevous claim and Samantha did a fabulous job this time and really helped us in a time of frustration. We thought our regular mechanic who fills us up with cheap freon would be good but he turned out to be a nightmare and we are not calling him for maintenance any more. Samantha's mechanic was thoroughly more knowledgeable and did an amazing job. The result was exactly as he said it would be and the home service company covered everything.

Petrina S
Columbia, South Carolina
Thanks for the easy claims and new appliances. Wife loves the dishwasher and cooktop. Your agents are a pleasure to work with and we are very happy and will be here for good.

Brian K
Mesa, Arizona
I purchased a home warranty from HSC and paid extra for pool protection. When my pool pump went out, HSC sent a tech out to look at it. Lo and behold, the part of the pump that broke wasn't covered per the lengthy exclusion clause (in fine print) of the HSC contract due to the fact that the part that broke was "underground". A couple months later, within a few weeks of each other, both of my air conditioning units failed. HSC sent another one of their techs out to investigate the problems. Shockingly, HSC said they wouldn't cover EITHER unit due to a small amount of rust on them (the units are outside and are old). HSC's contract excludes coverage whenever rust is present (I called... Read More

Ned B
Falmouth, Maine
Since I started with them about 3 and a half years back, I never stopped to write a review on the service though the truth is people should know the truth. This is the by far the most honest home warranty they are nice dealing with them but what sticks out to me is the honesty. Every time something goes wrong I think to myself are these guys going to be like all the other home warranty companies, and each time I get if not what I paid for then even more I believe this company deserves recognition for great and fast service but most importantly honesty.

Jarvis M
Fort Wayne, Indiana
They installed new water heater for us after it burst and started leaking. I am somewhat versed in the field and was able to tell them the specs and answers they needed to order a matching correct water heater and save on unnecessary service calls. The tank holding water had a visible burst in it which cannot be fixed. They delivered a new water heater and the same plumber from one of our previous claims came to install it. The new water heater works perfect.

Charleston, South Carolina
I want to update my previous review of the home service club. There was a mistake in my address and that was the hold up. Once they discovered this there was no issues what so ever. Home Service Club jumped all over my problem with no questions asked. they went above and beyond to make sure i was satisfied. if you have had problems in the past please! give them another shot. I know that there is a new customer care staff in place that is awesome. B.Smith South Carolina.

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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!