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The Home Service Club Review (2024)
The Home Service Club offers quick coverage and does not require a home inspection to get your home covered. However, it gets quite a few complaints about denying claims and poor customer service on customer review sites.
The Home Service Club (HSC) is a relative newcomer to the home warranty industry and has been in business since 2009. The company’s nearly nationwide service area covers all 50 states.
We have thoroughly reviewed the best home warranty providers in the industry, comparing plans, costs, customer reviews, and other factors. You may want to consider The Home Service Club if you need quick coverage, as a home inspection is not required before coverage begins.
In this Home Service Club review, we go in-depth on the provider’s plans, prices, customer reviews, and more.
Our Take on The Home Service Club
It covers items regardless of age, make, or model and doesn’t require a home inspection for coverage. However, it’s not accredited by the BBB.
What Are the Pros and Cons of The Home Service Club?
What Plans and Coverage Options Does The Home Service Club Offer?
The Home Service Club offers two home warranty plans: Standard and Comprehensive. The Standard plan includes coverage of essential systems and appliances, like air conditioning and electrical, while Comprehensive coverage includes everything in the Standard plan plus additional systems and appliances.
All of the covered items are outlined in the table below:
| Systems/Appliances | Standard Coverage | Comprehensive Coverage |
|---|---|---|
| Air conditioners | ✓ | ✓ |
| Heating system (including heat pumps) | ✓ | ✓ |
| Plumbing system | ✓ | ✓ |
| Water leaks | ✓ | ✓ |
| Water heater | ✓ | ✓ |
| Electrical system | ✓ | ✓ |
| Ceiling fans | ✓ | ✓ |
| Central vacuum(s) | ✓ | ✓ |
| Garbage disposal | ✓ | ✓ |
| Garage door opener | ✓ | ✓ |
| Microwave oven (built-in) | ✓ | ✓ |
| Dishwashers | ✓ | ✓ |
| Refrigerators | ✓ | ✓ |
| Ovens, ranges, and cook-tops | ✓ | ✓ |
| Trash compactors | ✓ | ✓ |
| Food centers (built-in) | ✓ | ✓ |
| Clothes washer/clothes dryer | ✓ | ✓ |
| Freestanding ice makers | ✓ | ✓ |
| Ductwork | – | ✓ |
| Gas leaks | – | ✓ |
| Sump pump | – | ✓ |
| Whole house exhaust and attic fans | – | ✓ |
| Instant hot/cold water dispenser | – | ✓ |
| Pest control | – | ✓ |
| Telephone wiring | – | ✓ |
| Alarm warning | – | ✓ |
| Smoke detectors | – | ✓ |
| Doorbells | – | ✓ |
| Whirlpool motor and pump assemblies | – | ✓ |
| Plumbing stoppage coverage | – | ✓ |
Optional Add-Ons
In addition to the Standard and Comprehensive plans, The Home Service Club offers coverage for the following optional add-on items:
- Well pump
- Sewage ejector pump
- Water softener
- Service line
- Freestanding freezer
- Freestanding additional refrigerator
- Refrigerator built-in units with dual compressors
- Additional freezer, oven/range/cooktop, microwave, dishwasher
- Additional water heater
- Pool or spa equipment
- Spa and spa heater
- Plumbing sprinkler
- Roof coverage
- Jetted bathtub
Before opting into an HSC warranty, we recommend reading a sample contract to understand what exactly is and isn’t covered. This will also give you a better idea of what coverage caps look like and if there are any limits or exclusions on important systems and appliances.
How Much Does The Home Service Club Cost?
Below are the monthly prices of HSC plans, based on a quote for a single-family home in Charlotte, North Carolina:
| Plan Name | Monthly Price | Service Call Fee Range |
|---|---|---|
| Standard Coverage | $50 | $65 – $125 |
| Comprehensive Coverage | $63 | $65 – $125 |
- Standard Coverage: $50 per month
- Comprehensive Coverage: $63 per month
Home Service Club plan costs fall on the higher end of average monthly home warranty premiums. With the base price plans in mind, know that the cost of your monthly fee will also vary based on any additional coverage options you decide to purchase and include in your plan.
Like almost every other home warranty provider in the market, The Home Service Club charges a service fee every time one of its professional technicians visits your home to address the broken item. HSC charges a pre-selected service call fee that ranges from $65 to $125 which you determine at the time of plan purchase.
Though the prices we’ve listed are accurate, we recommend getting a quote from The Home Service Club, since pricing may vary based on where you live, the size of your home, and the plan you choose.
Get a free quote today by filling out the online form or by calling 800-842-9334.
What Is The Home Service Club’s State Availability?
The Home Service Club is available in all 50 states.
What Do Customers Say About The Home Service Club?
The Home Service Club is not accredited by the BBB and has a C rating on the site. Trustpilot rates The Home Service Club as “Poor,” with a 2.5 out of 5-star rating from current customers.
Here is a Home Service Club review from Trustpilot:
“I have been trying to get a leaking toilet fixed for 2 1/2 months with this company. Started October 14. The first plumber just took my money, had the work approved, and never showed back up. So I’ve had to start with a second company. Who now a month later has still not even been out to diagnose the issue. If I have the claim reassigned again, it’s probably gonna take another month. Do not use this company.” —Jennifer B., 1 star, December 19, 2022
Here is feedback a This Old House reader shared about their experience:
“After spending a good week reviewing multiple home warranty plans with several companies and being lied to, I mentioned to the HSC Warranty sales rep that I was quite concerned with the dishonesty and wasting of my time with these other companies who are quick to make false promises to get a sale. The HSC Warranty sales rep assured me this would not be the case, but it actually was the case. I realized after reading the plan, he blatantly lied to me. I made several attempts to complain to his supervisor and the president of the company. Crickets.” —S. Lynch on 6/20/2022
Alternatives to The Home Service Club Compared
While we can’t recommend The Home Service Club, we do recommend these home warranty companies:
| Company | BBB Rating | Monthly Cost | Service Fee | Visit Site |
|---|---|---|---|---|
| NR | $49–$59 | $65–$125 | VISIT SITE | |
| B | $29–$89 | $100–$125 | VISIT SITE | |
| B- | $44–$47 | $60–$75 | VISIT SITE | |
| B | $42–$82 | $75–$125 | VISIT SITE | |
| B | $35–$94 | $75–$125 | VISIT SITE | |
| A+ | $44–$58 | $70 | VISIT SITE | |
| B+ | $30–$56 | $100–$150 | VISIT SITE | |
| A | $27–$70 | $65–$100 | VISIT SITE |
| Star Rating | BBB Rating | Monthly Cost | Service Fee | Response Time | Link | ||
|---|---|---|---|---|---|---|---|
| Liberty Home Guard | | NR | $49–$59 | $65–$125 | Up to 48 hours | VISIT SITE | |
| American Home Shield | | B | $29–$89 | $100–$125 | Up to 48 hours | VISIT SITE | |
| Select Home Warranty |  | B- | $44–$47 | $60–$75 | 48-84 hours | VISIT SITE | |
| First American Home Warranty |  | B | $42–$82 | $75–$125 | 4-48 hours | VISIT SITE | |
| AFC Home Warranty |  | B | $35–$94 | $75–$125 | 24-48 hours | VISIT SITE | |
| Elite Home Warranty |  | A+ | $44–$58 | $70 | Up to 48 hours | VISIT SITE | |
| Cinch Home Services |  | B+ | $30–$56 | $100–$150 | 2-24 hours | VISIT SITE | |
| 2-10 Home Buyers Warranty |  | A | $27–$70 | $65–$100 | Up to 48 hours | VISIT SITE |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Star Rating | |
| BBB Rating | NR |
| Monthly Cost | $49–$59 |
| Service Fee | $65–$125 |
| Response Time | Up to 48 hours |
| American Home Shield | |
|---|---|
| Logo |
 |
| Star Rating | |
| BBB Rating | B |
| Monthly Cost | $29–$89 |
| Service Fee | $100–$125 |
| Response Time | Up to 48 hours |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| BBB Rating | B- |
| Monthly Cost | $44–$47 |
| Service Fee | $60–$75 |
| Response Time | 48-84 hours |
| First American Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| BBB Rating | B |
| Monthly Cost | $42–$82 |
| Service Fee | $75–$125 |
| Response Time | 4-48 hours |
| AFC Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| BBB Rating | B |
| Monthly Cost | $35–$94 |
| Service Fee | $75–$125 |
| Response Time | 24-48 hours |
| Elite Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| BBB Rating | A+ |
| Monthly Cost | $44–$58 |
| Service Fee | $70 |
| Response Time | Up to 48 hours |
| Cinch Home Services | |
|---|---|
| Logo |
|
| Star Rating | |
| BBB Rating | B+ |
| Monthly Cost | $30–$56 |
| Service Fee | $100–$150 |
| Response Time | 2-24 hours |
| 2-10 Home Buyers Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| BBB Rating | A |
| Monthly Cost | $27–$70 |
| Service Fee | $65–$100 |
| Response Time | Up to 48 hours |
Our Final Home Service Club Review
Following our review of The Home Service Club, we gave the company a rating of 77 out 100. Its comprehensive coverage makes it an option worth considering for people who want basic coverage of home systems and appliances.
Additionally, The Home Service Club has a 10-day waiting period, which means it takes less than two weeks for the contract to go into effect after it’s been signed. This is significantly shorter than the 30-day waiting periods most home warranty providers offer.
However, The Home Service Club has a service call fee as high as $125, compared to other companies that have service call fees as low as $75 and $60. Consider The Home Service Club if you don’t want to wait 30 days for your coverage to kick in.
To learn more about other home warranty companies we recommend, read our in-depth company reviews:
- Liberty Home Guard Review
- American Home Shield Review
- Select Home Warranty Review
- First American Home Warranty Review
Frequently Asked Questions
What is an HSC home warranty?
A Home Service Club home warranty is a renewable contract that protects homeowners from unexpected repairs and replacements on major systems and appliances. A quality home warranty provides peace of mind for home repairs and helps homeowners avoid huge fees when something breaks down in their home. You can read our in-depth article to learn about how home warranties work.
How do you cancel a home warranty service contract?
Canceling a contract with a home warranty provider is as simple as contacting its support staff. Just keep in mind that different companies have different terms and conditions when it comes to canceling so read all of the fine print in your contract to avoid unnecessary cancellation fees.
What’s the difference between an HSC homeowners plan and a RE-Pro plan?
HSC homeowners plans are available to homeowners, while RE-Pro plans are available through real estate transactions.
Is a home inspection required before coverage begins with The Home Service Club?
A home inspection is not required before you purchase a home warranty and coverage begins.
What’s the claim process with The Home Service Club?
Once your home warranty coverage begins (10 days after you’ve signed your contract), The Home Service Club support staff will be at your disposal 24 hours a day, seven days a week.
You can submit a claim via phone at 800-601-1009 or by logging into your account using your desktop or mobile device. Once you’ve submitted your claim, you’ll receive a confirmation email that the request has been received. After this, the company will assign a local professional who will contact you to schedule a convenient time for service.
Company Information
- Company name: The Home Service Club
- CEO: Sam Zakarin
- Address: 305 Broadway, 9th Floor
- City/State: New York, NY
- Zip code: 10007
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
