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  3. Home Service Club vs. TotalProtect

Compare Home Service Club vs. TotalProtect Home Warranties

What’s the difference between Home Service Club Home Warranty and TotalProtect Home Warranty? See how our editors compare the two companies below.
Last Updated: April 25, 2024
Home Service Club
3.9 / 5 - Very good
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TotalProtect Home Warranty
2.6 / 5 - Average
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Key Facts

 
$75 Off + 1 Month Free
  • Combination appliance/system plans
  • 24/7 service team schedules around your needs
  • National network of local qualified service contractors
  • No home inspection needed
  • More items covered than competitive plans
  • 2 plans to fit your budget
  • Award-winning service
  • 30-day money back guarantee
  • 6-month guarantee on covered repairs
  • 24/7 support team
  • 3 home warranty plans to choose from
  • 40,000 pre-screened service technicians
  • Save $100 when you sign up by phone, choose a Combo Plan, and pay your annual premium at time of purchase (not valid in all states; call to see if you qualify)
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OVERALL RATINGS

 Home Service ClubTotalProtect
Transparency4.3/50.0/5
Claims Processing3.3/54.0/5
Coverage Options4.3/54.8/5
Additional Benefits4.0/50.0/5
Customer Experience3.7/54.3/5

Coverage

Key Facts

 Home Service ClubTotalProtect
Plan Types
Combo Plan
Systems
Appliances
Combo Plan
Benefit Limit Type
Per Item
Per Term
Per Item
Term Benefit Limit
$9,000
Typical Appliance Benefit Limit
$2,000
Typical Systems Benefit Limit
$2,000
$1,000

Specialty Items and Additional Coverage

Coverage Details

Covered Built-In Systems

Home Service Club
vs
TotalProtect
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pump
  • Telephone Wiring
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Sump Pump

Covered Appliances

Home Service Club
vs
TotalProtect
  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Garage Door Openers
  • Built-in Food Centers
  • Garbage Disposal
  • Stand Alone Freezer
Display Less
2 More
  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Built-In Trash Compactors
  • Garage Door Openers
  • Garbage Disposal

Specialty Items

Home Service Club
vs
TotalProtect
  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks
  • Pool/Spa

Contract & Price

Contract Details

 Home Service ClubTotalProtect
Annual Premium
Starting at $400
Starting at $230
Minimum Contract Length
12 month(s)
12 month(s)
Home Inspection Required for Contract?
No
No

Sample Contract

Home Service Club provides a sample contract for potential customers on its website: https://www.hscwarranty.com//Documents/SampleContract/Version5/2017%20The%20Home%20Service%20Club%20TERMS%20AND%20CONDITIONS%20SAMPLE%20CONTRACT.pdf

Sample Contract

TotalProtect provides a sample contract for potential customers on its website: https://www.totalprotect.com/documents/30310/31524/3X3_DTC_HOMEWRNTY_MPP08_07-14.pdf/dac2bb39-ff83-46fa-89c3-0f2c119c812d

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.
1. You may void this Agreement within 30 days of the coverage effective date for a full refund of the contract fees paid if no claim has been made. The right to void this Agreement as provided in this paragraph is not transferable. A ten percent penalty per month will be added to any refund required under this paragraph, including any accrued penalties, that is not paid or credited within 30 days after termination of this Agreement pursuant to this paragraph. 2. You may cancel this Agreement within 30 days of the coverage effective date if a claim has been made, or at any time thereafter, at which time you may be entitled to a refund of unearned contract fees paid based on the short rate schedule less a processing fee of twenty-five dollars ($25) and less the cost of any services performed pursuant to the Agreement, where permitted by law. If the refund calculation results in you owing us payment for services provided, we may bill you for the lesser of the net amount due to us or the unpaid annual term contract fee. We will bill or charge you any balance owed to us through the same mechanism as any previous installment billings, or we will direct bill you if such a mechanism is not available. 3. We may terminate this Agreement immediately, after any applicable notice provisions, for non-payment, fraud or material misrepresentation. If we terminate for fraud or material misrepresentation, this Agreement is void and we shall refund all paid contract fees if no claims have been made. If a claim has been made, we will follow normal cancellation procedures as outlined in this section.

Claims & Service

Claims

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

Contractors & Service

 Home Service ClubTotalProtect
Contractor Selection
In-Network Only
In-Network Only
Contractor Network Size
Over 10,000
40,000
Service Recall Period
30 days
180 days

Reputation Compared

Company Details

 Home Service ClubTotalProtect
Year Founded
2008
1979
NHSCA Membership
Number of Employees
51-200
TrustPilot Rating
3.5 out of 5
BBB Rating
B
B
Date Collected
2022-07-20

Contact & Additional Information

 Home Service ClubTotalProtect
Homepage URL
https://www.hscwarranty.com/
https://www.totalprotect.com/
Company Phone
(800) 601-1009
(866) 607-9674
Headquarters Address
305 Broadway, 9th Floor, New York, NY, 10007
1625 NW 136th Ave, Sunrise, FL, 33323
Year Founded
2008
1979

Final Verdict

Home Service Club Home Warranty has a higher overall rating than TotalProtect Home Warranty. Home Service Club scores better than TotalProtect across: Transparency, and Additional Benefits. However, TotalProtect scores better on Reputation, Contractor Network, Contract & Price, Claims Processing, Coverage Options, and Customer Experience.

Customer Comments & Reviews

sebastian6175
10/7/2022
Home Service Club Home Warranty review
It's not bad . Most people just break there own shit and expect the warranty company to get them a new one. Entitlement!!!!!!!!! is all I have to say

A
Aman
2/8/2021
Home Service Club Home Warranty review
Since my review the company has reached out and worked with me to resolve the issues.

Tom C
4/17/2017
TotalProtect Home Warranty review
they covered my Ac system paying for a new unit. It was not easy as I would have liked but they covered a 5k expense . The co pay for repairs was 85 so you were not fast to call on something you could fix yourself. When they were called they did respond and had great tech who did a good job. I would even say the tech were outstanding not trying to sell up service. etc...My only complaint was cost of coverage and the cost of co pay. after experience another service I got a idea of value.

William M
7/16/2016
TotalProtect Home Warranty review
We had a refrigerator problem in our home in North Carolina, we live in New York but luckily our daughter lives around the corner. We went online to put in our claim and within minutes received a call back with a claim number and setup to GE repair through Sears. They came and fixed it on the days we needed and the time we wanted so she could be there and get to work on time. The whole process was so professional and devoid of problems that could have been an issue was handled smoothly. TotalProtect even called back to see if everything was repaired and if we needed any further assistance. We highly recommend this program to protect all your appliances worry free.

Rae M
3/23/2016
TotalProtect Home Warranty review
I've had pretty good experience with the company. I find that a lot of the companies in their database are very small and often not the best. One strong exception is a plumbing company I've used through Total Protect. They're excellent but I have to fight to get work assigned to them since the want to "rotate " among some losers in their database. I had a terrible experience regarding clothes dryer and finally gave up and bought a new dryer at my total expense. That is NOT the way this is supposed to work. I may change to AHS if things continue badly.

J
Jessica W
3/3/2016
Home Service Club Home Warranty review
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.

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com
K
Ksenia
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.

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com
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