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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 ...
jabrams0709
7/15/2020
FRAUD ALERT!!! Similar to other reviews here, HSC is a complete sham and I have no clue how they have so many positive reviews without buying them. I placed a claim for my AC unit over 6 weeks ago. After a few days of no response, and sending 2 emails I received a call back asking if there was a technician I wanted to work with. I provided the contact information for a company I've used before and then I never hear back. After a week of calling I was told a tech was assigned, albeit not the one I suggested, who is currently within their network of approved contractors, and I would have a $65 service fee. When the technician called me he was rude, disrespectful and said I had to pay... Read More

preston.hauptman
7/13/2020
The company is alright depending on who you talk to. I had an issue that was caused by The Home Service Club. Julia was able to fix it in a timely manner.

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
Samantha D
7/7/2020
A storm was approaching and my daughter noticed the leak in the roof. I'm so thankful that it was repaired before the house got flooded. I would be terrified and helpless because my husband left me! I need this house to be in tiptop shape more than ever.

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
Steven P
6/20/2020
Do NOT do business with these people. They are complete crooks and do not abide by their contracts! Our air conditioner condensor coil had some leaks which developed and they dispatched their contractor who advised in fact the unit was leaking and should be replaced. He said it was normal wear and tear (which is covered in their contract) and that we should proceed with our claim. When they received the claim, they claimed it was "physical damage" which is NOT covered under their warranty. When pressed for an example of what might cause physical damage to the coil, they could not give any explanation. In speaking with the supervisor, Sofia, she advised she had no technical... Read More

kingusasingh
6/12/2020
THE WORST HOME WARRANTY COMPANY OUT THERE. WE SIGNED UP IN MAY RECENTLY HAD AN ISSUE AND THEY GAVE US A RUN AROUND. FIRST OF ALL THEY NEVER ANSWER THE PHONE AND SECONDLY THEY NEVER CALL BACK ON THE SAME DAY. ONCED I GOT A HOLD OF THEM, THEY JUST DENIED THE CLAIM EVEN AFTER THE TECHNICIAN TOLD THEM THAT ITS'T NOT THE ISSUE FOR WHICH THEY DENIED OUR CASE. THEY ARE LIERS, ONCE THEY SIGN YOU UP THEY DON'T CARE. I HAD DIFFERENT COMPANIES BEFORE BUT THIS IS MY WORST EXPERIENCE AND I DON'T EVER RECOMMEND THIS COMPANY TO ANYONE. I THINK THEY ARE PAYING FOR GETTING GOOD REVIEWS. STAY AWAY OTHERWISE YOU WILL HAVE TO REGRET WHO YOU SIGNED UP. I AM CHANGING THEM RIGHT AWAY. OTHER COMPANIES ARE MUCH... Read More

emaleemackenzie
5/27/2020
Horrible service. Three weeks after filing a claim for my refrigerator we were still without even an appointment for the initial inspection to see what was wrong. Not once did a technician come out. HSC was impossible to get a hold of on the phone. After three weeks of no refrigerator, poor communication and no repair in sight I ended up having to pay out of pocket for the repair myself. When I tried to cancel the contract for lack of service I was charged an addition $45 as an "administration cancellation fee". Definitely do not recommend HSC.

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 do apologize for any delays due to Coronavirus (COVID-19). Service times are not guaranteed and while we always try to be as fast as possible, and normally are, we do rely on local independent service contractors. During this global pandemic and peak season, HSC like the world have experienced many difficulties. Our records reflect that you were in contact with a Senior Supervisor who has been trying to get a hold of you to no avail. We can also confirm that you were not charged the administration fee of forty-five dollars, as the Senior Supervisor has waived that for you. Should you need further assistance please feel free to reach out to the Senior Supervisor attached to your account. We are sad to lose you as a customer and hope that you may change your mind, so that we may serve you in the future.
R
Robert R
5/22/2020
I had to use my HSC Warranty for the first time for an issue with our electrical wiring. I am very satisfied with the work they did. The repairman was erly, polite, and quickly worked on the problem!

D
David K  
Official Response

CR of Home Service Club Home Warranty
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
E
Ella A
5/13/2020
Central vacuum broke and the whole process from making the initial claim to having the central vacuum repaired was very seamless.

D
David K  
Official Response

CR of Home Service Club Home Warranty
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
P
Paige W
5/8/2020
The plumber who came out to repair our shower was very prepared and polite. He had all types of wrenches, some I've never even seen before in my life. He was efficient and diagnosed the problem easily.

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
M
Maria P
5/6/2020
Home Service Club has been very quick to respond anytime I have called with an issue with any of my five rental properties I have covered by them. I don’t know if I am just so unlucky with appliances but kid you not, on all my five properties, there is always a defect with any one of its major appliances. It always concerns the HVAC systems as well which kind of frustrates me since it takes so much money for the repairs. I didn’t know if I had enough budget for these issues. I wasn’t really prepared for these out of the pocket scenarios. Good thing a friend of mine recommended getting a plan. Luckily, I got a huge discount since I purchased it for all my 5 properties. It has been 9 months... Read More

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
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