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This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.

The Home Service Club

Bradley Schnitzer Bradley Schnitzer Last update:
Payout Caps
Up to $9,000%
Service Fees
$65-$125
Contract Term
Annualy

Overview

The Home Service Club — also known as HSC Warranty — is a home warranty company founded in 2008 and headquartered in New York City.

The company offers two combo plans, real estate packages, and several types of add-on coverage. It serves all 50 states and Washington, DC, requires no home inspection, and is known for fast service.

Check out our Home Service Club review below to get all the details.

 

Types of Home Warranty Services & Terms

Plan Types  Combo
Coverage Territory 
All, including Washington, DC
Contractors  In-Network, over 10,000 technicians
Home Inspection Required?  No
Contract Lengths Available  Monthly
Benefit Limit Type  Per item
NHSCA Member No
BBB Rating C (not accredited)
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The Home Service Club Pros and Cons

Pros

  • 24/7 service available online
  • No home inspection required
  • No age, make, or model restrictions on eligible items
  • Generous guarantees: 90 days for parts and 30 days for labor

Cons

  • High service fee ($125)
  • No BBB accreditation

 

Plans and Pricing

The Home Service Club offers two plans:

  • Standard
  • Comprehensive

Neither one covers just systems or appliances. Instead, they’re both combination plans, each with different levels of coverage.

HSC Warranty also offers plans specific to real estate transactions.

Plan costs vary by geographic location and house size. That said, prices tend to range between $43-$63/month.

 

Service Fees

The Home Service Club charges service fees of $65-$125.

It appears you can choose what service fee you’d like to pay for claims when you first get a warranty — the higher your service fee, the less your plan costs each month, kind of like an insurance policy.

 

Payout Caps

Per-unit payout caps can range from $300 to $2,500, depending on the item.

That said, the annual maximums are $6,000-$9,000.

 

Coverage

Standard covers the following appliances:

  • Refrigerators
  • Ovens ranges
  • Cooktops
  • Dishwashers
  • Clothes Washers
  • Clothes Dryers
  • Freestanding ice makers
  • Built-in microwave ovens
  • Trash compactor
  • Built-in food centers

 

And the following systems:

  • Air conditioner
  • Heating systems
  • Electrical systems
  • Water Heaters
  • Plumbing systems
  • Garbage disposals
  • Garage door openers
  • Ceiling fans
  • Central vacuum

 

Comprehensive covers everything in Standard, plus:

  • Plumbing stoppages
  • Ductwork
  • Gas Leaks
  • Pest control
  • Whirlpool coverage
  • Alarm wiring
  • Telephone wiring
  • Smoke detectors
  • Exhaust/attic fan
  • Sump pumps
  • Doorbells
  • Hot water pump
  • Hot/cold water dispensers

 

The Home Service Club also offers Standard and Comprehensive plans specifically designed for home buyers.

These cover all of the relevant systems and appliances for each main plan when it comes to the following:

  • Undetectable pre-existing conditions
  • Failure due to improper installations
  • Lack of routine care and maintenance
  • Refrigerant reclaim, recapture, and disposal
  • Code violation fees
  • Rust and/or corrosion
  • Misuse
  • Permit fees

 

You can also purchase add-on coverage for the following:

  • Sprinkler system line coverage
  • Freestanding freezer
  • Refrigerator built-in units with dual compressors
  • Well pump
  • Water softener
  • Jetted bathtub
  • Roof coverage
  • Pool and spa equipment
  • Spa and spa heater
  • Sewage ejector pump
  • Utility and home service line coverage

 

You can also purchase utility line coverage for the following:

  • Outside water line
  • Outside electric line
  • Outside sewer line
  • Sprinkler system
  • Outside gas line
  • Grinder pump

 

Exclusions

The Home Service Club lists a few items not covered on its FAQs page:

  • Impact damage
  • Lightning
  • Insurable events
  • Other external factors

HSC Warranty also has a sample contract online where you can view their full list of exclusions.

Visit Site

 

Claims & Repairs

You can file a claim with The Home Service Club by phone 9 am – 7 pm EST or online 24/7. If you submit your claim during operating hours, The Home Service Club can often get a technician to you within 12 hours after verifying your coverage.

 

Customer Service

Customer service is available during operating hours — 9 am – 7 pm — over the phone. They’re also on Facebook and Twitter if you prefer to reach out on social media.

Many have reported their customer service is good, although they have a C with the BBB (they’re not accredited) with some customer service complaints.

 

Final Thoughts

The Home Service Club’s coverage tends to cost more than other providers, but they offer a lot of coverage, have an easy claims process, generally offer fast service, and have a great guarantee. Plus, there are no age/make/model limits, service is available 24/7, and they’re available in all states.

Overall, the Home Service Club can be an excellent option for those willing to budget a little more for home warranty coverage.

 

Address

305 Broadway, 9th Floor

New York, NY 10007-1158

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Disclosure
This website is an informative comparison site that aims to offer its users find helpful information regarding the products and offers that will be suitable for their needs. We are able to maintain a free, high-quality service by receiving advertising fees from the brands and service providers we review on this website (though we may also review brands we are not engaged with). These advertising fees, combined with our criteria and methodology, such as the conversion rates, our team of reviewer's finding and subjective experience and product popularity, impact the placement and position of the brands within the comparison table. In the event rating or scoring are assigned by us, they are based on the position in the comparison table, or according to other formula in the event specifically detailed by us. See our How we Rate page and Terms of Use for information. The reviews, rating and scoring are provided “as-is” without guaranties or warranties regarding the information contained in our website, which shall not be considered as endorsement. We make the best efforts to keep the information up-to-date, however, an offer’s terms might change at any time. We do not compare or include all service providers, brands and offers available in the market.
Bradley Schnitzer Bradley Schnitzer
Bradley Schnitzer is a copywriter and content writer that helps businesses gain loyal customers through informative content pieces and persuasive copy. He is passionate about personal finance and helping budding freelancers further their careers. He spends his free time reading, hitting the gym, pursuing several intellectual interests, and drinking coffee.
This review is based on the writer's personal opinion.