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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 Do We Rate Home Service Club?

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

Our 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

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J
Jerry D
7/5/2018
Home Service Club has been a boon to me as a landlord. Last week, for example, I had a tenant complaint about a stove. For me it was simple, I call the Home Service Club and then gave them the tenants number. They took it from there. My tenant is happy that our stove is working again and I'm happy that I have a stress on my shoulders.

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
J
Jodi Q
6/21/2018
On 5/14/18 I contacted this company to place a home service request as my dryer had stopped working. After a week of no contact from HSC, I made numerous follow-up calls regarding this matter. I was continuously informed that they were unable to locate a vendor in my area. I was given the alternative to pay for the services on my own, to which I would be reimbursed for 50% of my cost (a concept that made me wonder what it is that I'm paying for as my contract calls for a $125 service fee and 100% coverage thereafter). From 5/14/18-6/6/18, I had received one return call fromHSC on 5/23/18, and that was to provide me the name and number of the contractor who would work on my machine... Read More

K
Kathy R
6/19/2018
My cleaning lady loaded up a dishwasher as she usually does on Wednesdays when she comes. I know it's not her fault but the dishwasher would not drain after she ran the load. I checked to see if there was food in the drain and of course there wasn't. She always make sure the clear off the dishes before loading them in the dishwasher. She has been with our family for years. She called me at work to let me know. I enter the claim online. I receive a call 2 hours later from an appliance repair company to come and fix the dishwasher. I arranged a time for when our cleaning lady was home so that I would not have to take off from work or something so menial. Since our cleaning lady does... Read More

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
Daniel G
6/12/2018
On 11/8/2017 we contacted HSC for a broken washing machine, they got back with a recommended washer from Lowes. We were told they would send a credit card that was loaded with the correct amount to replace the machine but it would take an unacceptable amount of time until we would receive it. After getting approval for us to pay cash for the new machine we did. I followed all procedures (kept the emails saying the same) and was advised it would take 45 to 50 days for a check to be issued. With all the holidays coming soon i gave them some slack on the time. I kept a diligent lookout for the check to arrive but it never came. I called and they said it had been mailed but could not tell me... Read More

F
Fred G
5/9/2018
Very happy with the Home Service Club repair service ,called about a dishwasher leak and provided a model number, When the tech arrived, he replaced the water valve that was overfilling my machine. Problem solved in one visit!

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
J
Jayne M
4/23/2018
My experience with the Home Service Club was simple and easy. It was stress-free from start to finish. Our dishwasher wasn't working I'm so call that the home service Club you received a call that day and arrange for a visit the very next morning. The repair company showed up and completed the repair in one visit.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Jayne, 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
D
douglas p
3/14/2018
Good experience . Their HSC rep was very courteous. He answered all my questions over the phone and he made sure that the plumber was in contact with me to set an appointment for the leak.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Douglas, 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
W
wael
2/27/2018
This company is BEYOND TERRIBLE. They have not reimbursed several claims AFTER they were approved. Their wait times are horrible. They never return emails or calls. I would NEVER buy a contract from them again.

M
matt
2/21/2018
We lost power in 3 rooms and so I called HSC to fix it. They send an electrician, he was efficient, and seemed to know what he was doing. Everything was back to normal quickly.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Matt, 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
Z
zia
2/19/2018
My washing machine broke out of the blue and I needed it fixed ASAP because of the inordinate amount of dirty clothing that my children produce. On a daily basis there is literally a pile of laundry at my house waiting to be cleaned. I was wowed by how fast these guys responded to my request for my machine to be repaired. The dispatch lady was easy to talk to and she understood how I needed my washing machine repaired ASAP. I was able to schedule an appointment for a repair person to come out the very next day. The washing machine is back to normal. Now I’m just trying to find the robot housekeeper from the Jetsons that can fill and empty the machine for me.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Zia, 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
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