The Home Service Club Review
Visit site

The Home Service Club Reviews

Bob Phillips


Bob Phillips

Affordable Add-on With The Home Service Club
Affordable Add-on With The Home Service Club
About The Home Service Club

The Home Service Club (HSC) is headquartered in New York City and has been in business since 2009. HSC serves customers in all 50 states. The company’s coverages protect homeowners from paying out-of-pocket for major repairs to broken appliances or systems.

HSCs main selling point is that it offers two plan choices to its customers, and a home inspection is not required before a plan can be purchased.









The Home Service Club Home Warranty Review

HSC Home Warranty offers two different types of warranty coverage as well as multiple different add-on options. No home inspection is required, and HSC is one of the most unique home warranty providers in that coverage starts after 10 days, whereas most companies need 30 days to pass before coverage begins.

Home Service Club has over 10,000 experienced professionals on hand to take care of your home system and appliance needs. Plus, its customer service team ranked highly after our interactions with them. While HSC is undoubtedly not the cheapest home warranty company, it prides itself on offering a high-quality product. This, coupled with the quick coverage, means that Home Service Club should be considered if you are looking for a home warranty.

The Home Service Club Home Warranty Highlights


12 months




Within 24 hours


varies by specific item, shown below


$65 - $125








13 months for the price of 12


Standard coverage featuring 18 systems and appliances and comprehensive coverage featuring 33 systems and appliances.

Pros & Cons

  • No restrictions on age, make, or models
  • Coverage starts 10 days after buying the home warranty coverage
  • Customer service is available 24/7
  • Good reputation for claim approval
  • More expensive monthly fees and service charges than some competitors
  • Only two plans to choose from
  • Not accredited by BBB

Plan Types

Standard Coverage and Comprehensive Coverage

Optional Add-Ons

Sprinkler system, freestanding freezer, built-in refrigerator, well pump, water softener, jetted bathtub, roof, pool and spa, spa and spa heater, sewage ejector pump, utility and home service line coverage, outside water line, outside electric line, outside sewer line, sprinkler system, outside gas line, and grinder pump.


There are fewer exclusions noted than most home warranty providers. Impact damage, lightning damage, insurable events, and other external factors are excluded.

Plans & Pricing

Home Service Club Home Warranty only offers two different home warranty coverage plans; the Standard Plan and the Comprehensive Plan. Both plans are combination plans providing coverage for systems and appliances.

Standard Plan

The Standard Plan provides coverage of 18 household systems and appliances. The cost may vary slightly depending on the state you are in, but coverage is around $50 a month. Items included within the Standard Plan are as follows:

  • Refrigerators
  • Oven ranges
  • Stovetops
  • Dishwashers
  • Clothes washer
  • Clothes dryer
  • Trash compactor
  • Build in food center
  • Built-in microwave oven
  • Freestanding ice maker
  • Air conditioning
  • Heating systems
  • Electrical systems
  • Water heater
  • Plumbing systems
  • Garbage disposal
  • Garage door opener
  • Ceiling fan
  • Central vacuum system

Comprehensive Plan

The Comprehensive Plan provides the same coverage as the Standard Plan with the following extra items included:

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

The Comprehensive Plan also varies slightly by state, but you can expect to pay anywhere from $60-$65 a month.

For both plans, the above pricing is based on a service charge of $125 being chosen. It is possible to select a reduced service charge amount. However, your monthly payment will increase accordingly.

Optional Extras

Alongside the two home warranty coverage plans offered, HSC Home Warranty offers a wide range of optional extras to include with your home warranty. The following items are available as optional extras:

  • Sprinkler system – $115
  • Freestanding freezer – $60
  • Built-in refrigerator – $60
  • Well pump – $130
  • Water softener – $160
  • Jetted bathtub – £200
  • Roof – $200
  • Pool and spa equipment – $200
  • Spa and spa heater – $200
  • Sewage ejector pump – $100
  • Utility and home service line coverage – $250
  • Sprinkler system – $115

Contracts are for twelve-month periods, and no home inspection is required to take out a home warranty with Home Service Club.

Service Fees

A service fee is charged every time you make a claim and an expert is sent out to your property. Average service fees in the industry are around $75, and HSC Home Warranty charges between $65 and $125 per service fee. Compared to other home warranty providers, this is quite expensive, but the trade-off is swift home insurance and the highest quality services.

Payout Caps

Payout caps vary between appliances and systems, with a different cap amount for different appliances. You should check the payout caps carefully before entering into a home warranty. If you have a top-of-the-range appliance, the cap might restrict how much money you can receive for a new appliance if yours breaks. HSC Home Warranty has the following payout caps in place:

  • Electrical systems – $500
  • Plumbing systems – $500
  • Refrigerator – $750
  • Clothes washer and clothes dryer – $800 each
  • Oven – $750
  • Heating system – $2,000
  • Air conditioning system – $2,000
  • Ductwork – $600
  • Garbage disposal – $350

How to Get Started The Home Service Club

One of HSC Home Warranty’s unique selling points is how quick it is to get coverage, so we wanted to put this to the test. To start the process, we headed to Home Service Club’s homepage.
Screen 1

select “Get your free quote” to start

We decided to choose the Comprehensive Plan as we wanted the extra items to be covered. This then brought up the payment screen, where we could choose to pay monthly or annually. The process was incredibly easy and fast, and we recommend that anyone looking for a home warranty check out what Home Service Club has to offer.

State Availability

Available in all states

Customer Support

The Home Service Club provides a toll-free customer service number on its website. When we called customer service, we were connected with a claims representative after being on hold for under one minute.

HSC customers can also submit claims through their customer dashboard, which is accessible on the company’s website.

Phone Support
(800) 601-1009
Mon - Fri
8:30 AM - 7:30 PM EST
Sat - Sun
9:00 AM - 5:00 PM

In Conclusion

The Home Service Club is a relatively young home service company that provides contractors to service its customer’s older appliances and systems. They are easy to contact, and their website is very thorough concerning their service plans. However, many complaints have been lodged online against HSC, and they are not BBB accredited.


Is there a waiting period before my coverage begins?
HSC has a 30-day waiting period before claims can be submitted.
What if my covered system or appliance cannot be repaired?
If a covered appliance or system can’t be repaired, HSC will offer a replacement or suggest other solutions where possible.
Can I change my home warranty plan after I buy it?
You can change it within 30 days of the date of purchase or within 30 days of each consequent renewal.

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.


Bob Phillips

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.