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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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2 More

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 ...
S
Sharon N
11/27/2020
The cooling only covered half the house. Its weird when the temperature is not feeling right. Thanks HSC! It was evened out well by their crew. Buying this for the house of my father to help them out! A neater home has one requirement. That is signing up to be with HSC!

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
G
George F
11/27/2020
My food comes out half cold. HSC restored my food's integrity. I feel like a screw is always unjammed from me when HSC responds. They relieve me of so much trouble!

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
S
Sarah F
11/27/2020
We've had multiple repairs in the past but not like this. I feel like they restore it to its brand new state! Was annoyed with the leaking in house house. Was pleasantly surprised with the service that I got from HSC. Didn’t think there would be so much use for a warranty in a house!! I am a believer now haha

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
E
Emma D
11/25/2020
No more muffled doorbell, loud and clear! Same day service or at least next day service. Was strange that our visitors ended up knocking. Had that fixed in a jiffy. This is what you can expect from them! Do the reps get training on how to handle customers? They really handled me well even if I was angry!

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
Haley H
11/23/2020
The reps are very friendly. Almost this year did not renew my contract, but they were able to persuade me to stay longer. The other day they had fixed my water heater and I am very grateful.

A
Arlene S
11/23/2020
HSC was a fast phone call away. Broken aircon was up in a day. Wow! I immediately called Home Service Club to have our air-conditioning unit fixed. Simply grateful for HSC!

A
Augusta G
11/23/2020
The sink was clogged down with my toddler's toys. Called HSC. Their repairman fixed my sink, and we got the toys back! It was fixed in under 20 minutes by repair man who fixed my sink pipes! Surprisingly, everything was covered by my warranty.

A
Alexina T
11/23/2020
Called Home Service Club for our malfunctioning oven. Repairman came three days later. No hassles. Staff are respectable and very respectful towards customers. Good job!!

M
Maria D
11/21/2020
Woke up this morning to find a broken gutter. The horror! I wasn't sure what to do. Called HSC. Thank God for HSC. Repairman came the next day. Great job! Great job!

M
Morgan C
11/21/2020
Fireplace was accidentally damaged by our neighbor. Was sure that Home Service Club would be able to help us have it fixed. As always, they never disappoint.

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