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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
Hailey T
11/4/2020
We all wanna save money. We can save money on repairs if we take care of our stuff. That’s really hard though. So the answer is HSC. They always come through for me. Got the refrigerator repaired instead of buying a new one. Just $65 for that repair!

R
Rosa H
11/3/2020
Ive always know HSC was a good company. Now I know more things. They also take time to get good contractors. Never bad experiences with the people they pick. Quality acts all the time!

M
Marjorie S
11/2/2020
Some guy came to fix our fridge. At that exact time, something went wrong with the Telly. He helped with that too. They really go the extra mile. Maximum service!

D
Donna N
11/2/2020
I jumped ship from another provider. HSC is so efficient in what they do. They have the coolest people too. Really appreciate them. Many thanks! I got the repair done for my trash disposal in just 15 mins!

S
Samantha B
11/2/2020
Who doesn’t want extra help? HSC is like having permanent reinforcements. They always come into save the day. Saved my dryer, microwave, fan and the list goes on. Many thanks!

M
Maria P
11/1/2020
No more problems in the house. Thing is I look forward to the next problem. Seems odd but I enjoy the service of HSC like that. No problems so far. So I want the next one to come! Haha

P
Paulina M
10/29/2020
My induction cooker broke! I contacted HSC and they gave me a seasoned repair contractor. I'm more than pleased with how they answered my claim.

R
Rosanna C
10/20/2020
The house had electricity out. Electrician arrived ASAP. He solved the issue, but he left a mess like that! Had to clean up that evening. Sent a feedback to HSC and they promised to sort it out

D
David K  
Official Response

CR of Home Service Club Home Warranty
We are pleased to have served you. Thank you for your feedback. We hope to continue to provide you with exceptional service. Please do not hesitate to reach out to us for any of your home warranty needs. Sincerely, Hugh Morgan clientservices@hscwarranty.com
M
Matthew M
9/30/2020
I purchased a 3 year warranty less than a year ago. A couple months later, my washing machine broke. They would not repair or replace it, just give me a 200 credit at Lowes toward a new one. Two months later, my master bathroom shower starts leaking. Took a week to get some one out, and then another week for them to deny the claim. "Corrosion" is not covered. It seems that nothing is covered. I cancelled on July 20th. They said I would have a check in 4 to 6 weeks. It is Sept 30th and they still have not issued a check. Oh, and my "scheduled" refund, if I ever get it, is less than 2/3rd of what I paid, even though I had the policy for around 6 months and they paid out nothing. The only... Read More

C
christine
8/20/2020
Do not buy from this company. Service is bad (need to call them many times for them to send people out, and once they come, they claimed that the AC issue was not covered as the issue was a re-occurrence of a previous issue. The 2nd time I called them was during the COVID 19, and they said they do not have anyone to send while I can call a repair man the same day to fix the issue. Therefore, I decided to cancel the policy. Now it had been 5 months that I still didn't have any refund. I called many times and the customer service req said they do not know, and need to send msg to the accounting department. I asked to talk directly to the accounting department, and the service req said... Read More

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