Home Service Club Home Warranty Review

Rating: 9 / 10 (Excellent)
73 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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73 Customer Comments & Reviews

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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

Rita B
Atlanta, Georgia
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.

College Park, Maryland
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

Kerrville, Texas
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

Jake G
Hayward, California
I've been with them for about a year and a half now and just had my first claim. my hot tub had some malfunction and i called them about it. I was treated well and the girl assured me that verything will be taken care of. A specialist was scheudled lightning fast and camy by the next day and right on time. I dont know, and dont care, what he did, but a little over an hour and a few trips to his truck later he said "all done here" and smiled. The tub has been good ever since. Can't complain about anything, good service.

Jessica W
Feasterville, Pennsylvania
Had a fine experience with this company recently when we had an emergency plumbing issue. pipes tend to freeze here in PA and after going through that ordeal and thinking all is done, our faucet and shower cartridges start leaking. Thankfully this was a much easier and cheaper process, the Home Service Club sent out their plumber as we did not want to use the one we hired before, he replaced both and all works fine now. I wish they offered auto warranties I would sign everything up here.

Erica B
Brooklyn, New York
I am so happy with this company. This is the fourth home warranty club I have been with and they are by far the B E S T. I will never leave this company. I will be honest I didn't do enough research in the beginning and that's how I ended up with companies that sucked and were RIP OFFS. I researched and came across the home service club and even after talking to their sales department, I was scared but all my research showed me them to be number one. I told my husband this is the last company I will try and we never looked back. NOT ALL HOME WARRANTY COMPANIES ARE RIP OFF'S believe me I thought so too. This company actually covers what they say they will and all of the people that come... 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!