The Home Service Club Reviews

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.

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