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Home Service Club Home Warranty Review


ConsumersAdvocate.org Rating: 3.9 / 5 (Very good)
184 Customer Comments & Reviews - see all comments
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Home Service Club is a New York City-based home warranty provider operating in 49 states, via their vast network of contractors.

Their coverage is exceptional, with many items that would normally be additional already included in their two plans: Standard and Comprehensive.
 
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How is Home Service Club rated?

Breakdown

4.3/5
Transparency
3.3/5
Claims Processing
4.3/5
Coverage Options
4.0/5
Additional Benefits
3.7/5
Customer Experience

Overall Rating: 3.9 / 5 (Very good)

Home Service Club has relatively high premiums and service fees. But their home warranties offer more comprehensive coverage than many competitive plans.

The company's ratio of positive to negative online reviews indicates that their customers are satisfied, overall, with the service provided.

Home Service Club’s policies suggest a customer-centric philosophy. which allows for easy coverage and service with no home inspection required. Policies are restricted by both itemized and term-level caps, which is standard in the industry. But the number of claims you can file during a single contract period.

The company does not offer month-by-month coverage and requires customers to sign up for an annual contract, That may deter people who don't want to commit to a long-term contract before they've had to use their warranty coverage and are satisfied with the service they receive.

Coverage

Key Facts

Plan Types
Combo Plan
Benefit Limit Type
Per Item
Per Term
Term Benefit Limit
$9,000
Typical Appliance Benefit Limit
$2,000
Typical Systems Benefit Limit
$2,000

Coverage Options - 4.3 / 5

Home Service Club's coverage level makes them an industry leader, with over 33 explicitly mentioned covered items.

This comes at a price, however. Coverage starts at $400 for HSC's Standard plan. You'll also be subject to per-item caps that range from $300 and $2,000; as well as an annual cap between $6,000 and $9,000.

In addition to the implementation of pay caps, HSC does not cover repairs or replacements due to user error or improper maintenance.

What does Home Service Club cover?

Covered Built-In Systems

  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Central Vacuums
  • Smoke Detectors
  • Doorbells
  • Ceiling Fans
  • Ductwork
  • Sump Pump
  • Telephone Wiring

Covered Appliances

  • Refrigerators
  • Dishwashers
  • Clothes Dryers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Built-in Microwaves
  • Freestanding Ice Makers
  • Built-In Trash Compactors
  • Garage Door Openers
  • Built-in Food Centers
  • Garbage Disposal
  • Stand Alone Freezer
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Exclusions

For a full list of Home Service Club exclusions, check out this page.

Specialty Items

  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

Annual Premium
Starting at $400
Minimum Contract Length
12 month(s)
Home Inspection Required for Contract?
No

Contract & Price - 4 / 5

Home Service Club’s base-level 12 month home warranties start with a minimum annual premium of $400.

Coverage is not dependent on a home inspection, and this price point is slightly on the higher side of the industry standard.
With that in mind, they do offer a 30 day pro-rated cancellation policy, minus a $45 dollar administration fee.

Sample Contract

Home Service Club provides a sample contract for potential customers on its website: Home Service Club Sample Contract

Cancellation Policy

The customer may cancel the HSC service agreement for any reason within the first thirty 30 days following the date of purchase and shall be entitled to a refund of the paid contract fees less any service costs incurred by HSC and an administrative fee of up to $45.

After 30 days, the customer shall be entitled to a pro rata refund of the paid contract fees for the unexpired term, less any service costs and an administrative fee of up to $45.

This contract may be canceled by HSC for nonpayment of contract fee, fraud or misrepresentation by the customer, by agreement between client and company, or if the customer threatens to harm or does harm the safety or well-being of HSC, their property, employees or contractors.

HSC may cancel the contract without reason at any time in the first 30 days following its effective date.

If HSC cancels the contract within the first 30 days, the customer will not be charged an administrative fee and shall be entitled to a refund of the paid contract fees less any service costs incurred.

If HSC cancels the contract after 30 days, the customer shall be entitled to a pro rata refund of the paid contract fees for the unexpired term, less any service costs and an administrative fee of up to $45.

Claims & Service

Claims

Service Fee
$65, $95, and $125
Maintenance Records Required for Service?
No
24/7 Claims Department?
Waiting Period
30 days

Contractors & Service

Contractor Selection
In-Network Only
Contractor Network Size
Over 10,000
Service Recall Period
30 days

Claims Processing - 3.3 / 5

Home Service Club’s service fees can range between $65 and $125. Although both their waiting and service recall periods are set at 30 days, no service records are required for maintenance.

Once those 30 days are up, their 24/7 claims department is always ready to connect customers with their in-network contractors.

As long as the resultant costs do not exceed the annual cap of the plan you choose, there is no limit on the number of claims you can submit per year

Home Service Club Reputation

Company Details

Year Founded
2008
NHSCA Membership
Number of Employees
51-200
TrustPilot Rating
3.5 out of 5
BBB Rating
B
Date Collected
2022-07-20

Reputation - 3.8 / 5

Home Service Club earns a B rating from the Better Business Bureau. Users on Trustpilot award the company 3.5 out of 5 stars, which is a pretty high rating for a home warranty company. That rating is based on nearly 500 reviews. Home Service Club is not a member of the NHSCA.

Contact & Additional Information

Homepage URL
https://www.hscwarranty.com/
Company Phone
(800) 601-1009
Headquarters Address
305 Broadway, 9th Floor, New York, NY, 10007
Year Founded
2008

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184 Customer Comments & Reviews

Loading Reviews ...
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Nick Q
10/31/2019
Worst company to deal with! Been paying $67/month for 'comprehensive coverage' for 2 years. Had a 'compressor' issue with our refrigerator. Opened up a case with 'Home Service Club' and it took almost a week for a tech to schedule a date/time with us. The tech came and looked at the unit and, after diagnosis, he estimated the work to replace the 'compressor' to be around $1000 and some change. I called the 'Home Service Club' and the contractor 3 times and left voicemails. No callback. All the while, our food was going bad and the 'freezer' was unusable. Finally, I called 'Home Service Club' again and after listening to the hold music for another 15 minutes, I got someone. They told me... Read More

D
David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for taking the time to provide us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Please be assured that we value the feedback and will utilize this input to improve our training and processes. We pride ourselves in having satisfied customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. We apologize if you are not happy with our product or with what our product offers. Our records reflect that you were in contact with a supervisor. We hope she was able to clear up any miscommunications, misunderstandings and/or frustrations. Should you need further assistance please feel free to reach out to her directly.
M
Maria G
10/4/2019
An agent was sent to my house for repair. He was on time and very courteous. He found the problem, fix it and left everything neat and orderly. He was a very efficient and nice man. Hope I get him the next time I have a problem in my AC or other home appliance. My first experience with Home Service Club was a very pleasant one.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Your response is greatly appreciated. Thank you for taking the time to share your feedback. we look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time. Sincerely, Josh Briggs clientservices@hscwarranty.com
P
Peter S
10/4/2019
The personnel I interacted with were very courteous. Phone calls were made so smooth with no arguments at all. I always felt they were concerned with solving my problem. The gentlemen who came to my home was definitely nice and very knowledgeable. I was impressed.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Your response is greatly appreciated. Thank you for taking the time to share your feedback. we look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time. Sincerely, Josh Briggs clientservices@hscwarranty.com
K
Keith D
10/4/2019
The customer service rep was very pleasant and kind. She took care of my issue and got it dispatched out very quickly. The technician was on time and solved my problem efficiently. My garbage disposal is working like a brand new one, no longer hear a destructive noise every time I'm using it. Thank you HSC very much. Without this service I would not have been able to get this resolved.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Your response is greatly appreciated. Thank you for taking the time to share your feedback. we look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time. Sincerely, Josh Briggs clientservices@hscwarranty.com
H
HXL
9/30/2019
I purchased a new house with a home warranty serviced by “The Home Service Club” (HSC) on 9/20/19. My AC unit was working in “proper operating condition” after the closing. I filed a claim online for my AC unit on 9/24/19 and I didn’t get an email confirmation like the form said I would. There was no record of the claim request (lucky I screen captured the Service Request form with the SR number on it 662636) in my online account to track. The tech was on-site on 9/25 and I was charged charged $95 for a service call but I wasn’t provided a receipt or a copy of the service call report. I didn’t receive any updates from HSC until 9/30. I had to contact them 4 times between 9/25-9/30 for... Read More

D
David K  
Official Response

CR of Home Service Club Home Warranty
Your response is greatly appreciated. Thank you for taking the time to share your feedback. we look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time. Sincerely, Josh Briggs clientservices@hscwarranty.com
A
Amanda
8/20/2019
Update: Per my rep from this company ONE MONTH LATER from the date the claim was originally filed: "I have been working on helping you with your unauthorized repair, because I want you help you with the frustrations it caused you. However, once reviews are posted the legal department and fraud prevention department, stop access to offering courtesies. Whenever we are going against the contract, we have to go to the legal and underwriting department to show the loss and explain the situation. During this process, if there is a negative review online it is extremely difficult to get approved if not impossible. This is due to the fact that it set a bad precedence to do any courtesies on a... Read More

O
Onfroi M
8/10/2019
They are readily available to answer all my claims and fixed my issues super-fast. I cant even imagine how expensive it would be, if I have not used their service.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Your response is greatly appreciated. Thank you for taking the time to share your feedback. we look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time. Sincerely, Josh Briggs clientservices@hscwarranty.com
A
A. M
8/8/2019
The claims process wasn't very hard. I've been taken care of relatively fast on all of the claims I've submitted. The claims representative and the technician who came to the house were all nice and polite, and done their job. I have no regrets yet. It was all very good.

D
David K  
Official Response

CR of Home Service Club Home Warranty
We are pleased to have served you. Thank you for your feedback. We hope to continue to provide you with exceptional service. Please do not hesitate to reach out to us for any of your home warranty needs. Sincerely, Hugh Morgan clientservices@hscwarranty.com
B
Barn O
8/3/2019
HSC has saved my home from a robbery thanks to the cctv upgrade they have rewarded me! Loyal customer since 2013!

C
Chris W
8/3/2019
Home Service Club puts a smile on my face even though something blows up in my house. Reps are so calm and understanding, keeping th situation under control. More power!

D
David K  
Official Response

CR of Home Service Club Home Warranty
Your response is greatly appreciated. Thank you for taking the time to share your feedback. we look forward to continuing to provide you with outstanding service. You are welcome to contact us at any time. Sincerely, Josh Briggs clientservices@hscwarranty.com
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