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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Vinnie C
Scranton, Pennsylvania
Fast service and everything went well. Denise helped me throughout the way and always was impressively on top of it. I paid my 125 deductible and 35 for a filter and a big repair which took a few hours was done to my air conditioner up in the attic.

Philadelphia, Pennsylvania
This company is a joke. They run a scam by denying claims without good reasoning. They should be sued and put out of business. I don’t even know where to begin with my awful experience with this company. After 2 months of follow-up (yes I called almost every other day, and was either on hold or got the same response from different people or was directly to a voicemail) and not having a working AC, I was told my equipment was not covered and that they cant do anything about it. There was nothing mentioned in the agreement that my equipment was not covered. Basically they are very good at coming up with reasons to deny any claim. The staff at the company, especially Stacey, Amanda and... Read More

Houston, Texas
Poor service; some contractors not correct. They do not tell the truth about damage to charge more money for repairs. I have not had good experience with them.

New Orleans, Louisiana
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.

Omer A
Cary, North Carolina
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

Roland S
Frederick, Maryland
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

Ingrid K
Houston, Texas
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.

Ingrid K
Houston, Texas
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

Trung D
Hastings, Minnesota
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

Houston, Texas
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

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!