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.
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
CONTRACT LENGTH
12 months
HOME INSPECTION
Required
RESPONSE TIME
Within 24 hours
PAYOUT CAPS
varies by specific item, shown below
SERVICE FEES
$65 - $125
OTHER FEES
Yes
NHSCA MEMBER
Yes
BBB RATING
C
PROMOTION
13 months for the price of 12
COVERAGE
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
Exclusions
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
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.
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.
FAQ
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