Compare American Home Shield vs. Home Service Club Home Warranties

What’s the difference between American Home Shield Home Warranty and Home Service Club Home Warranty? See how our editors compare the two companies below.
Last Updated: June 22, 2018
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American Home Shield
9.7 / 10 - Excellent
#1 in Home Warranties
Home Service Club
9.0 / 10 - Excellent
no_rank
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Key Facts

  • Far and away the trusted industry leader
  • They have paid out over $1.8 billion in claims in the past 5 years
  • Nationwide network of more than 13,000 contractors
  • More than 1.7 million customers
  • Best reputation in home warranty industry
  • 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!

OVERALL RATINGS

 American Home ShieldHome Service Club
Coverage10/109/10
Reputation10/109/10
Contract & Price10/109/10
Claims & Service9/108/10

Coverage

Key Facts

 American Home ShieldHome Service Club
Plan Types
Systems
Appliances
Combo Plan
Build Your Own
Combo Plan
Benefit Limit Type
Per Item
Per Item
Per Term
Typical Appliance Benefit Limit
$3,000
$2,500
Typical Systems Benefit Limit
$1,500
$2,500

Coverage Details

Covered Systems

American Home Shield
vs
Home Service Club
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heaters
  • Instant Hot/Cold Water Dispensers
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pumps
  • 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

American Home Shield
vs
Home Service Club
  • 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
  • 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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Exclusions

For a full list of American Home Shield exclusions, check out https://www.ahs.com/pricing-and-plans/contract-policies

Specialty Items

American Home Shield
vs
Home Service Club
  • Guest Unit
  • Pool/Spa
  • Well Pump
  • Septic
  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

 American Home ShieldHome Service Club
Annual Premium
Starting at $299
Starting at $400
Minimum Contract Length
12 month(s)
12 month(s)
Home Inspection Required for Contract?
No
No
Online Quote/Application

Sample Contract

American Home Shield provides a sample contract for potential customers on its website: https://www.ahs.com/pricing-and-plans/contract-policies

Sample Contract

Cancellation Policy

Customer can cancel anytime with refund possible.
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

Claims

 American Home ShieldHome Service Club
Service Fee
$75, $100 and $125
$65, $95, and $125
Maintenance Records Required for Service?
No
No
24/7 Claims Department?
Waiting Period
30 days
30 days

Contractors & Service

 American Home ShieldHome Service Club
Contractor Selection
In-Network Only
In-Network Only
Contractor Network Size
13,000+ contractors
Number of Technicians
45,000 technicians
Service Recall Period
60 days
30 days

Reputation Compared

Company Details

 American Home ShieldHome Service Club
Year Founded
1971
2008
NHSCA Membership
Number of Customers
1.6 million
Number of Employees
1,700
51-200
TrustPilot Rating
3.7 out of 10
8.1 out of 10
BBB Rating
B
C+
BBB Rating
20
51
BBB Neutral Reviews
12
2
BBB Negative Reviews
642
19
Date Collected
2017-07-15
2017-07-26

Contact & Additional Information

 American Home ShieldHome Service Club
Homepage URL
Company Phone
(888) 429-8247
(800) 601-1009
Headquarters Address
150 Peabody Place, Memphis, TN, 38103
305 Broadway, 9th Floor, New York, NY, 10007
Mailing Address
P.O. Box 849, Carroll, IA, 51401
Year Founded
1971
2008

Final Verdict

American Home Shield Home Warranty has a higher overall rating than Home Service Club Home Warranty. American Home Shield scores better than Home Service Club across: Coverage, Reputation, Contract & Price, Claims & Service, Contractor Network, and Customer Base.


Customer Comments & Reviews

K
Kathy R
Newark, New Jersey
6/19/2018
Home Service Club Home Warranty review
My cleaning lady loaded up a dishwasher as she usually does on Wednesdays when she comes. I know it's not her fault but the dishwasher would not drain after she ran the load. I checked to see if there was food in the drain and of course there wasn't. She always make sure the clear off the dishes before loading them in the dishwasher. She has been with our family for years. She called me at work to let me know. I enter the claim online. I receive a call 2 hours later from an appliance repair company to come and fix the dishwasher. I arranged a time for when our cleaning lady was home so that I would not have to take off from work or something so menial. Since our cleaning lady does not speak English I was in touch with the repair technician on the day of the scheduled repair. After looking at the dishwasher he called me back to let me know that the problem was the drain pump motor. He told me that he repaired it and that he ran the low just to make sure and that everything was working as it should.


J
JACQUELINE P
Dallas, Texas
6/18/2018
American Home Shield Home Warranty review
I have nothing but trouble from one of their vendors concerning my air condition. AHS has done nothing to fix the problem, I asked for a different company to come out but they sent the same sorry company again US Air Texas This installers damaged my house and US AIR TEXAS is acting like no damage has been done. ASH needs to get better vendors for their customers.


S
Silvia S
Newark, New Jersey
5/30/2018
Home Service Club Home Warranty review
My husband and I are retired on a fixed income. The Home Service Club has been very helpful since we know up front what our costs are going to be and we don't have to worry about something breaking suddenly. I recently had a leak in the bathroom. I called the Home Service club and they sent a plumber who came out and repaired it for us.


M
Marcia
Pittsburgh, Pennsylvania
5/7/2018
American Home Shield Home Warranty review
I just bought this insurance because it was listed on www.consumersadvocate.org as the best. Now I am reading the current reviews? American Home Shield Home Warranty, do you read your reviews?


T
Tihia G
Brooklyn, New York
3/3/2016
Home Service Club Home Warranty review
I am a proud member of the home service club for some time now and i am so happy. I have always received the best customer service and with my busy sech they always handle it all for me in a timely manor. Only thing for me to do is to be home to let techs in and the rest is done for me. With my old house that I grew up in and all the problems that happen due to age I am so happy that the home service club covers me and they always renew me. My last home warranty got rid of me the moment I expired and I only had two problems in a year (one they didnt cover because it was deemed pre existing). This company didnt do that to me and I was very greatful. After these couple of years with them and them almost replacing all of my appliances I can say I will stay with them forever. Even when not covered cause my sons basketball knocked my garage door opener off and broke it to pieces they got me a company that gave me the discount that they would give the home service club OOOO and the garage door company moved me up and gave me a sooner appointment time because I was a member of the home service club and we all know we need a garage door working. Thanks to everyone at the home service club.


E
Ersie R
Harriman, Tennessee
2/29/2016
American Home Shield Home Warranty review
Our hot water heater leaked and the contractor responded quickly and repaired the problem. He also recommended the Dry Wall Service that we would need to dry the walls surrounding the water heater. We were pleased with the time it took to restore everything to normal. The contractors were very polite, efficient and punctual. They did a marvelous job of cleaning up when they were finished.


K
Ksenia
Elmhurst, New York
2/25/2016
Home Service Club Home Warranty review
We have been with The Home Service Club for a little over two years now and have had a couple of minuscule claims. All went well as they should have and we never had any complaints and never left any reviews. We, just recently, finished our first what I would call major claim. Heating stopped working and the house got cold quickly. It was one of those things which make you instantly nervous. But that was short lived. We were given a technician who came to the house right way and was exceptionally polite and confident in his abilities. A total of less than a couple of hours and a few trips back and forth to his truck, he replaced a few parts and everything was running again. He showed my husband what the problems were and left his business card for future maintenance work which we will be happy to hire him for. It has been a few days now and not a worry so far. We were notified by The Home Service Club to learn that the major repair was authorized and we were only responsible for our deductible just like on the previous smaller claims. We are both pleased with this as we were with the previous ones and it deserves taking a few minutes to write this feedback. You can call us satisfied customers.


N
Nahun H
Sewell, New Jersey
2/18/2016
American Home Shield Home Warranty review
It was 20degres,was very cold my heather fan went out,I call Home shield,in 20min.i receive a call from a vendor in less of 2 Hrs.a Tech show up,he adjust the Fan to work until he pick up the new part,he return the next day first thing in the morning,and install the New a Fan,the Tech was very resourful,he was well,presented,left the area very clean on both times he work on my Unit.imwas very please,with the customer service,they understud my problem and act very fast,looking for a Contractor that was available .