The Home Service Club Review | 2021
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The Home Service Club (HSC) is a national home warranty provider known for its short waiting period, unique coverage options, and generous service guarantee. In our review, we discuss the company's plans, cost, claims process, and more to help you determine whether this company is the best home warranty provider for you.
To get a free quote from The Home Service Club, call 800-842-9334 or fill out this form.
Home Service Club Pros & Cons
Background & State Availability
Founded in 2009, The Home Service Club, also known as HSC Warranty, offers coverage for home systems and appliances regardless of their age, make, or model. Additionally, your coverage begins only 10 days after signing the contract which is why we named Home Service Club the "Best for Quick Coverage."
Years in Business: 12 years
BBB Rating: C
Number of Reviews: 400+
State Availability: 49 states*
* The Home Service Club is unavailable in Wisconsin
The Home Service Club Plans & Coverage
The Home Service Club offers two home warranty plans: the Standard Plan and the Comprehensive Plan. The company's Standard Plan covers essential systems and appliances, while the Comprehensive Plan includes coverage for everything in the Standard Plan, plus additional systems and appliances and pest control services—the addition of pest control services is unique for the home warranty industry.
The Home Service Club also provides additional benefits on both plans for new homebuyers and sellers. These perks are intended to help during a real estate transaction. Perks in the Home Service Club's Real Estate Plan include extending coverage for the following:
Undetectable preexisting 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
The table below shows the items covered by The Home Service Club's two different plans.
Optional Add-Ons
The Home Service Club offers the following optional add-ons, which vary in price, for those looking for additional coverage:
Service lines: Outside water lines, sewer lines, other utility lines
Pool: Spa, spa heater, pool/spa equipment
Refrigeration: Dual compressor, additional refrigerator/freezer, freestanding freezers
Kitchen appliances: Additional dishwasher, additional oven/range/cooktop, additional microwave
Plumbing/water: Jetted bathtubs, water softener, well pump, sewage ejector pump, additional water heater, plumbing sprinkler
Coverage Limits
As with any home warranty company, Home Service Club features limitations and exclusions on what its plans cover. We recommend that you look through a sample contract closely to get a better understanding of what items may be excluded from coverage. Below are a few major exclusions from Home Service Club's service agreement:
Central Vacuum: Accessories or hoses, removable attachments, clogged pipes, and maintenance related breakdowns
Dishwashers: Racks, baskets, rollers, door hinges/locks, springs, gasket, soap dispensers, noise, seal, and removable accessories
Microwave Oven (Built-In): Interior linings/walls, door glass, latch assemblies, shelves, portable or countertop units, door hinges, locks, vent and all hoods, trim kits and built in kits, springs, gasket, seal; noise, meat probe assemblies, rotisseries, clocks, and removable accessories
Refrigerators: Racks, shelves, drawers, ice makers, ice crushers, beverage/water dispensers, and their respective equipment and water lines, interior thermal shells, door hinges, springs, gasket, seal, noise, food spoilage, light bulbs, freestanding freezer, freezers which are not an integral part of the refrigerator, removable accessories, wine coolers/chillers, multi-media center, non functioning parts, latch assemblies, cosmetic damage
The Home Service Club Cost
The Home Service Club plans range from $51.25 to $62.50 per month. Overall, the company's monthly fees are normal for the home warranty industry, but the service fee is higher than other providers.
Along with a $95 service fee, here are the prices we received after getting a free quote:
Coverage Caps
Before electing for a plan with the Home Service Club, we suggest you closely read a sample contract to understand what coverage caps are placed on each covered item. We have listed some of the major coverage caps from a sample contract with the Home Service Club here:
Heating Systems and Air Conditioning Systems: HSC will pay up to $2,000 per contract term for access, diagnosis, repair, or replacement of Heating Systems and Air Conditioning Systems combined, including returning access openings to a rough finish. Coverage is only available on Air Conditioning Systems not exceeding a five (5) ton capacity and designed for residential applications
Water Heaters: Up to $500 per contract term for access, diagnosis, repair, or replacement of a covered water heater, including returning access openings to a rough finish
Electrical Systems: Up to $500 per contract term for access, diagnosis, repair, or replacement of covered electrical systems
Dishwashers: Up to $600 per contract term for access, diagnosis, repair, or replacement of a covered dishwasher
Refrigerators: Up to $750 per contract term for access, diagnosis, repair, or replacement of a covered refrigerator. Refrigerator must be located within the kitchen.
Ovens Ranges Cook-tops: Up to $750 per contract term for access, diagnosis, repair, or replacement of the ovens ranges cooktops combined
The Home Service Club Reviews
Like most home warranty companies, The Home Service Club has received a mix of positive and negative reviews, but most of its reviews are positive. The company has a C rating and a 4.4-star rating on the Better Business Bureau (BBB).
Here are some BBB reviews we found when researching the company:
Actually, I don't like making calls, so the online request system was heaven sent. Doesn't waste my time at all and no need for human interaction!
—Brianna M., 11/4/2020
Excellent service! I was concerned that while fixing the exhaust the technician was making a mess, but he left the place squeaky clean. Last week was a very troubling time for me so if I have to be honest, the house isn't as clean as it should be. But the technician did not seem to mind and still treated me with utmost respect and made sure to even clean on his way out.
—Jocelyn P., 10/13/2020
All the technicians they've given me have gone MIA after coming in to take a look. Not to mention the amount of time it takes to get anything done. I've cancelled and asked for a refund but they refused to refund.
—Tae K., 2/2/2021
I tried calling the phone number and it left me on hold for more than 10 minutes and then hung up on me.
—Michael B., 5/19/2021
How to Submit a Claim with HSC
You can submit a claim with The Home Service Club by calling 800-601-1009 or using your online account. If you submit a claim through your account, you'll receive a confirmation email of your request. After your claim has been reviewed, the company will connect you with a professional service contractor to set up an appointment.
Verdict & Recommendation
With its generous service guarantee, short waiting period, and unique coverage options, The Home Service Club is a home warranty company worth considering, especially for homeowners who need pest control services or utility line coverage.
You can get a free quote from The Home Service Club by calling 800-842-9334 or by filling out this form. If you're not sure whether The Home Service Club is right for you, compare other top-rated home warranty companies below.
Compare Home Warranty Companies
To help our readers find the right home warranty provider, we conducted an analysis of major home warranty companies and compared factors like cost, customer reviews, and breadth of coverage. We gave The Home Service Club an honorable mention on this list and named the company as "Best for Quick Coverage" because of its short waiting period.
The two home warranty companies with the highest overall ratings are American Home Shield and Choice Home Warranty. Use the table below to compare The Home Service Club with these providers and get free quotes.
Best Overall
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Best Basic Plan
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Best Discounts
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Best Coverage Upgrade
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Best Plan Variety
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Best Membership Perks
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Home Warranty Rating Methodology
The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.
Here's what our review process looks like:
We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.
We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:
Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.
The Home Service Club FAQ
Do I need a home warranty?
Over time, major home systems and appliances will break down due to normal wear and tear and require essential repairs or replacements. Homeowners with a home warranty plan can have peace of mind that many of these repair costs will be covered by a home warranty company, and they won't have to worry about finding a trusted service contractor to complete repairs.
Is coverage for appliances worth it?
If you have purchased an appliance at a budget price, then you may not feel compelled to purchase a home warranty for it. However, if you have more expensive appliances or you have had an appliance for five or more years that is now outside of the manufacturer's warranty, a home warranty may be worth it for you.
Do I have to get a home inspection before purchasing a plan from The Home Service Club?
No, homeowners don't have to get a home inspection before purchasing a home warranty plan from The Home Service Club.
How do you submit a claim with The Home Service Club?
Once your 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 via their customer service line or your online customer portal.
Does The Home Service Club offer a service guarantee?
Yes, The Home Service Club offers a 90-day guarantee on all repairs. Additionally, the company replaces items that can't be properly repaired.
