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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 ...
tabarrett2
8/18/2020
This company is a scam. I've been a customer for 7 years. I've only filed 2 claims. The first was for my AC unit that went out. They said they don't cover it because the system wasn't all by the same company. That's the system that was in the house when I purchased it. Was I supposed to replace a working system to ensure that it had matching components? Fast forward 5 years and our refrigerator dies in the middle of the COVID pandemic. I was given the run around for 3 weeks before being told by Gabrielle Holman that it wasn't covered because it was a leak of the Evaporator Coil, which isn't "wear and tear". I've had the fridge for 15 years and never had an issue. Wear and tear on... Read More

A
Aron G
8/14/2020
Insurance is usually accused to be just about money making. I am now reformed and its staunch defender. We bought a plan out of whim and to experiment. The first instance that our microwave broke, we gave it a shot. They came and delivered and we've believed them ever since then.

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
nathanmellman
7/23/2020
I entered into a contract with HSC in June 2020. Shortly thereafter, I filed a claim for a washing machine that was not working properly. HSC responded that, given the age of the washing machine, the value was zero dollars and they were not responsible for repairing or replacing the machine. Instead they offered me $100. They (Gabrielle Holman, specifically) directed me to paragraph F.6, which they contend states that they have the option of paying a depreciated value of the item instead of repairing or replacing it. That paragraph uses the term “deprecated” instead, which of course means something entirely different. So, in addition to making an illusory promise to repair or replace, HSC... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for taking the time to provide us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Please be assured that we value the feedback and will utilize this input to improve our training and processes. We pride ourselves in having satisfied customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. We apologize if you are not happy with our product or with what our product offers. Our records reflect that there is a senior supervisor that is attempting to get in contact with you, please feel free to reach out to her so we can be of assistance.
Dianze R
7/21/2020
This company is taking my money and not giving me service. I have had to have a hot water heater replaced and paid over $900. The invoice was sent in on June 3rd 2020 and they are not answering my emails or refunding any of my money. It has been nearly two months and they continually ignore me. I have placed several phone calls to find out what is taking so long and have also asked for a supervisor to call. They claim the supervisor will call back within 24 hours and still there is no call. They will not respond to my emails. Please beware and see what people are saying at the BBB. They have 19 complaints against this company and mine will make 20.

Tori S
7/20/2020
Can you tell me why I did a service request on July 5th, the contractor came over a week ago, and I still have not been contacted by anyone? I have a family of 4 and I cannot keep food at my house. I need the fridge fixed. I have called multiple times the past week trying to get an update of when it will be fixed or replaced. Quit dragging your feet and make a decision. My family needs a refrigerator...I am pretty sure if one of your staff had a major, vital appliance break, you would fix it ASAP. This is absolutely ridiculous that I have not been contacted by anyone.

A
Anthony C
7/18/2020
They handle all the calls directly and always action oriented. No drama in the conversation, the only focus is getting you the help that you need ASAP.

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
S
Sophie M
7/18/2020
They made sure to come through for me even if it was the holidays. I am so impressed no words of gratitude will be able to repay them for their service!

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
G
Gerald W
7/18/2020
My aircon leak was plunged very early in the afternoon after making call in the morning. Their response time takes no time at all!

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
S
Sophia W
7/18/2020
Didn't take long for me to call for help, 3 days in and they delivered as they promised!

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
W
Walter R
7/18/2020
I was away when my husband called that the microwave broke. Attempting to be handy, I tried to tinker with our microwave. I only ended up scratching my head. At that point I knew only HSC would know how to address my problems. Nice try for myself I guess, but I will just leave it to those who know better.

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
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