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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 ...
D
Danielle
3/22/2019
I was trying to get laundry caught up, only to find the dryer wasn't drying. The Home Service Club had a tech to the house within an hour of my calling them. He had the part on hand and I was back to dry laundry.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Danielle, We're happy to have served. Thank you. We aspire to continue to supply outstanding support to you. Please reach us out for all of your home warranty requirements. Sincerely, Nancy Hamilton clientservices@hscwarranty.com
V
vinnie
3/13/2019
We bought the optional outside electrical line coverage, and are we glad we did. A tree limb came down and pulled the wires away from the meter on the side of the house. Homeowner's wouldn't cover it, for whatever reason, but The Home Service Club did. Never thought we'd ever need this, but glad we have it.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Vinnie, We're happy to have served. Thank you. We aspire to continue to supply outstanding support to you. Please reach us out for all of your home warranty requirements. Sincerely, Nancy Hamilton clientservices@hscwarranty.com
M
Mike
3/9/2019
I knew immediately who to call when the dishwasher stopped working. The staff with The Home Service Club are really great, and get things done fast. Getting a home warranty with them was one of the best decisions I've made in a long time.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Mike, We're happy to have served. Thank you. We aspire to continue to supply outstanding support to you. Please reach us out for all of your home warranty requirements. Sincerely, Nancy Hamilton clientservices@hscwarranty.com
J
Jane
3/8/2019
The Home Service Club definitely helped my husband keep his cool when our air conditioning went out. Fast response, diagnosed and fixed the problem, and back to cool. I'm recommending them to everyone I know.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Jane, We're happy to have served. Thank you. We aspire to continue to supply outstanding support to you. Please reach us out for all of your home warranty requirements. Sincerely, Nancy Hamilton clientservices@hscwarranty.com
B
Bethel L
3/2/2019
Running a home and a home business is a lot harder than you might think. When the dryer breaks, the door bell buzzes instead of rings, and the garage door opener all break at once it can be more than a little frustrating. The customer service agent at HSC seems to get that because they were able to help us out and get my home and business back on track.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Bethel, We're happy to have served. Thank you. We aspire to continue to supply outstanding support to you. Please reach us out for all of your home warranty requirements. Sincerely, Nancy Hamilton clientservices@hscwarranty.com
S
sandlessg
2/1/2019
Wondering about what you need after you've bought your house? I'm sure you have your home owners insurance. That's needed to even get the loan. Are you covered if something in your house breaks? I am, thanks to HSC. The plans are great and I've always been pleased with their customer service.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Sandless, We're happy to have served. Thank you. We aspire to continue to supply outstanding support to you. Please reach us out for all of your home warranty requirements. Sincerely, Nancy Hamilton clientservices@hscwarranty.com
S
Steven M
12/17/2018
We had frozen pipes. We called Home Service Club. The temperature was still below freezing. It took them a very long time to thaw the pipes. These guys really took their time and did it right. They put new insulation around the pipes before they were done. I think we will have a warmer winter thanks to having our home warranty.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Steven, We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com
Michele B
12/14/2018
We woke up one morning to an ice cold house. It is good to have a hassle-free service at times like these. Thanks HSC.

David K  
Official Response

CR of Home Service Club Home Warranty
Dear Michele, We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com
S
Sam
8/25/2018
One of the biggest mistakes I have committed in my life is when I decided to switch from my previous home warranty company 2-10 (because the premium went up some) to The Home Service Club! Basically, all the you want to do is to get their monthly premium and deny all services. If you can get them to respond to your calls or emails (which doesn't happen often), you're met with awful customer service and the lack of tendency to solve your problem. I was promised great customer service, experienced technicians in my area when I signed up... and I have received non of that. first technician they sent me told me that he never even heard of the company and was contacted randomly and that he is... Read More

R
Rudy H
7/10/2018
My refrigerator had been frosting over inside and freezer burning my food. I called the Home Service Club to see what they can do about it. The man that I spoke to was very courteous and told me to expect a call from an appliance repair company that day. The appliance repair company called and we made an appointment for them to come out to check out the freezer. I received a call before the technician arrived and when he came he handed me his card. It took about an hour to complete but since his visit, there has been no more freezer burn on my food and the frost is not building up anymore. In fact it's completely gone.

D
David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com
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