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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 ...
R
Ryan K
2/14/2018
Our dryer was producing clothes that were still damp after an hour on the highest temperature. Clearly, we had a problem. One call to The Home Service Club and the problem was solved. They sent us a dryer repair technician who came to our house and replaced the heating element. The Dryer repair tech said that the machine was in good enough shape that I could get at least five more years.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Ryan, 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
F
fei h
2/13/2018
A few days ago, I decided to charge my chromebook but as soon as I plugged the chromebook in, all the lights went out. I didn't know what to do, but my boyfriend had the warranty. His parents purchased it when they bought the unit for him. He told me to call, he always gives me the tedious jobs. I thought it would be annoying but it wasn’t. The rep that I talked to for making a claim, got me in touch with the electrician, who was able to come the next morning to fix the issue.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Fei, 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
R
Rick
2/12/2018
My toilet was clogged . I tried plunging but nothing happened so I called THe Home Service Club. The plumber that they sent had a big machine and the snake kept jamming up. He had to go back to his office to get a different snake. There was something wrong with the motor of the snake that he came with. Once he returned with a working snake, he completed the work in less than 10 minutes. The remainder of the time was spent on him cleaning up the mess that the snake produced.

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
jim z
2/7/2018
The washer was giving us problems so my wife filed online with The Home Service Club. The repair tech that came said that he would have to order parts for the repair. My wife explained how much she hates going to the laundromat. The repairman ordered the part from a local supplier so that it would be delivered the same day. Later in the day, he came back to install the new part. All we paid was our $65 deductible and that is all!

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
M
Mark R
1/23/2018
I had a big problem getting someone out to fix my water heater. They did finally elevate it to a high supervisor who offered several options. So i consider the issue resolved.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Dear Mark, 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
S
Sarah A
1/16/2018
They sent us Benji (I hope I spelled that right), the plumber when our hot water heater stopped working. It took him a little over one hour hour from start to finish. He made sure to put floor and furniture cover before starting work and thoroughly cleaned up afterwards. We have a finished basement and so I was very glad not to have a mess to clean when he was done. Also glad that the hot water is hot again.

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
Jon
12/20/2017
***Update 12/20/17*** It continues to astound me that a company as unethical as the Home Service Club is still legally allowed to operate in the United States, especially in a state like New York with strict consumer protection laws. I have spent the last two weeks attempting to get them to honor a contract that they issued and they simply refuse. If you feel that you have been treated unfairly by the Home Service Club, please consider making formal complaints to the following agencies (most have online forms available to do this). -Better Business Bureau -New York Sate Attorney General -the Attorney General in your state -New York State Department of Financial Services... Read More

P
Phil
10/4/2017
I had HSC for over 4 years and moved in May of 2017, a couple days after I had moved I called them to update my information. After giving them my new address I was told everything was up to date. In September of 2017 my A/C unit went out and I call to file my first claim with them, but instead was told that since I had moved my warranty would need to be re written and the claim would not be covered because it was now pre existing. I was mad but understood that the person I had spoke with in May must have been misinformed so I said that's fine just refund me back to May of 2017 since nothing would have been covered. Then today, 10/4/17 I received a phone call from them saying they wouldn't... Read More

Sharon M
9/19/2017
I have experienced nothing but poor customer service from HSC. The list of issues that I have experienced runs the full gamut, including (1) requesting service and not receiving a call back until one week after the service request was made, (2) waiting no less than 10 minutes for a customer service representative to answer when calling the 800 number, (3) being dissatisfied with the vendor response upon being assigned, and (4) a lack of follow-through when offerings have been made for resolution of a problem. I will address each issue more specifically below: 1. I once requested service via the website using their submit a claim link. Despite the service request having been submitted, I... Read More

P
Penny
7/7/2017
7/27 I'm updating the review to average because HSC got the problem resolved, the repair was paid for, and we received promises of better service in the future. I won't go higher because it was not painless, and I have no proof it will be in the future--yet. HSC called a local company that was supposed to respond to our electrical problem and we never heard from them. Customer service didn't escalate to a supervisor until after I complained loudly and publicly. The problem was with the electrical panel, in 100+ degree heat, and could have been dangerous. Never had a problem with this issue before. Yet, we could not get service. We paid for the repair to make sure our house didn't burn... Read More

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