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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 ...
H
Harry R
12/19/2016
I filed an emergency claim with Home Service Club Warranty for a leaking hot water heater on June 3, 2016. Eight (8) phone calls and three (3) online request over four (4) days no one contacted me about repairing/replacing the hot water heater that was flooding the basement. The water heater was leaking into the basement during this ridiculousness. To date I still have not received any communication from Home Service Club Warranty or a plumbing company to make the emergency repairs. I ended up replacing the hot water, repairing all the water damage and mold myself. If you are considering using this company - you have been Warned!

G
Grantham M
11/16/2016
Our twelve year furnace gave out way before its time and the part that went was under a twenty year warranty from the original manufacturer. The maintenance inspector who came to our house originally turned it off and deemed it a safety hazard and told us we cant turn it on at all because it releases carbon monoxide into our house. We've been with HSC for a few years now and always had pretty good experinces with them, but this was a very important situation with us not being able to use our furnace. The did what they always do and sent out a technician who has already been out to my house about a year and a half ago for my air conditioner. He quickly confirmed the cracked tube and agreed... 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
E
Elias S
11/2/2016
replaced a brand new dishwasher for us. We did have to pay a little over the coverage approved but overall got a brand new maytag dishwasher and its beautiful. Would have been nice to not have to pay anything over but it is what it is it wasn't much and we are happy with it.

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
B
Brandon M
10/27/2016
We just moved into our new home and had a few issues. The inspection company noted a bad air conditioner, bad electrical wiring, a faucet leak, and some outside and window issues. And then seller claimed to have repaired all and provided paperwork. Most of this was still there once we moved in. After speaking with the warranty company and learning that those issues are not their responsibilities we thought we were stuck. Denise helped us with everything! The air conditioner and the elecrtical and leaking faucet are all working fine now and their techs did a great job. We got it done for dirt cheap and Denise even got us covered for some of it!

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
Jeremy
10/19/2016
Beware! This warranty company will go out of it's way to not cover the cost for any work done for your home. I recently filed for service on my AC which has taken forever to get anything done. After they have a local company come out to your home (which was two different companies for me) for diagnosis of the problem you have to continue to wait for an answer for work to begin. THE ANSWER WILL BE IT IS A PREEXISTING ISSUE AND WILL NOT BE COVERED!!! This is the answer that was given to me and countless others. If you do not believe me go on BBB, Consumer affairs, yelp, and many other review websites. You will also see the pattern, this is their MO. There are so many reviews stating this.... Read More

M
Michael R
10/18/2016
These guys are terrible. Avoid them. My issue came up with a well pump they refused to cover due to "pre-existing conditions". They couldn't actually tell me what those conditions were, nor would they let me talk to the person who said the condition was pre-existing. I spoke with the tech they sent out to inspect the pump and he stated they had never talked about any pre-existing condition, nor was there any way to tell when the pump started failing. Given they did not know the model or manufacturer of the pump there is no way they could also state that it was not functioning to "manufacturer's specifications". Following my initial call I asked to speak to a supervisor. One did call... Read More

R
Regina g
10/6/2016
Nightmare situation helped greatly by Denise. Water backing up on bathtubs, toilets, leaking on the floor in numerous places and the plumber together with my help having trouble figuring it out. Ran a line from more than one access location and took hours before deciding to put a camera in there and see what was going on. Burst pipe in the back yard was found. Long story short I saved money on the huge job because of the really good tech that HSc sent out, and Denise covered 500 dollars of it fo rme on top of it. Cleaning the house after this whole mess with the tech helping but would have been much worse without him and without Denise.

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
V
Vinnie C
10/5/2016
Fast service and everything went well. Denise helped me throughout the way and always was impressively on top of it. I paid my 125 deductible and 35 for a filter and a big repair which took a few hours was done to my air conditioner up in the attic.

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
A
ashish
10/4/2016
This company is a joke. They run a scam by denying claims without good reasoning. They should be sued and put out of business. I don’t even know where to begin with my awful experience with this company. After 2 months of follow-up (yes I called almost every other day, and was either on hold or got the same response from different people or was directly to a voicemail) and not having a working AC, I was told my equipment was not covered and that they cant do anything about it. There was nothing mentioned in the agreement that my equipment was not covered. Basically they are very good at coming up with reasons to deny any claim. The staff at the company, especially Stacey, Amanda and... Read More

R
RAMON O
9/28/2016
Poor service; some contractors not correct. They do not tell the truth about damage to charge more money for repairs. I have not had good experience with them.

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