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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 ...
Z
Zo
5/4/2020
We sent three letters on hold forever and no response. Y ou stated you pay to replace an appliance. With all the call backs after being on hold and pressing #5 never happend please send the check that you stated, which isn't no where the cost to replace my item.

juliaroseneumann
3/30/2020
First, they do require an inspection report for coverage. SEecond, a pinhole leak that somehow developed in my refrigerator was NOT covered because they don't cover "cracks" in appliances. AND the guy they sent out actually made the leak worse. Terrible experience, shady company, AVOID LIKE THE PLAGUE.

David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for providing us with your customer service experience, as we are continually striving to improve the quality of service provided to our customers. Any report such as this about an unhappy customer is taken seriously with the utmost importance. The product that was purchased for you is a special home buyer plan which offers perks to new homeowners. As a condition of service, a home inspection report is required in order to activate the perks. I do apologize that you are frustrated, however, home warranties do not cover physical damage. The Senior Supervisor has been attempting to reach you to go over the product that was purchased for you. Should you need further assistance please reach out to her directly.
G
Garrett W
3/3/2020
This company is a scam and their reviews are as well. I purchased the most fully covered and expensive warranty 6 months ago and have not needed it until now. I had an oven that had issues, after a month of waiting they finally sent a provider who did a great job assessing the situation and promptly arrived. He corresponded with HSC about the parts needed to fix the appliance and they called back saying that the parts cost too much to repair based on the age of the appliance and were offering me $200 to put towards a new one. However, a new similar oven was $2200 and the provider had quoted the repair at $400 so I requested the repair instead. They have since told me they weren't going to... Read More

D
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 and with what our product offers. Our records reflect that you were in contact with a supervisor, who as a courtesy offered you two hundred dollars for an appliance that is twenty-two years old and holds zero actual cash value, towards a replacement. We hope she was able to clear up any miscommunications, misunderstandings and/or frustrations. Should you need further assistance please feel free to reach out to her directly.
W
William
3/2/2020
This home warranty company is a complete waste of money they do not comply with any of our issues they always have a reason and a excuse to not to cover our needs. Plumbing issues and our heater and ac went out they didn’t cover the repairs so we had to come out of pocket. Please don't get this company or agree to anything with them. We spent 500 for nothing they took our money and they decline everything we try having fixed or repaired or replaced. Multi ppl and technicians have said stay away from this company. They change names if they get to many bad reviews just to keep taking your money.

D
David K  
Official Response

CR of Home Service Club Home Warranty
Good Afternoon, We appreciate you for providing 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 customer feedback and will utilize this input to improve our training and processes. Can you please provide me with your contract number and the best call back phone number, so that we may have someone reach out to you directly. We look forward to speaking with you. Have a great day.
Martha C
2/28/2020
When our heat went out a few months ago, they wouldn't fix it, said it was too old, we needed a new one. After many many calls and messages to them, which were not answered for days, I wrote a bad review. They DID call after that, said they were rated number one. Well I found out why. They said if I didn't remove the bad reviews, they would not do anything for us. So I had to removed the reviews and after that, they did pay $1000.00 toward a new one. I would never recommend them to anyone, and have called all realtors in our area to let them now what happened, and to not recommend them to anyone. I did however find out why they were rated number one. When they don't allow negative posts on... Read More

David K  
Official Response

CR of Home Service Club Home Warranty
We are sorry if you are misunderstanding what the home warranty is and that you are not happy with our product. HSC has done nothing wrong and has gone above our contractual obligations. Our records indicate that your unit had noncovered failures and we offered to pay 1,000 dollars, towards the replacement, which is half of the contractual obligation for something that is not subject for coverage. It is important to note that the repair option if subject for coverage, which was not recommended by the technician, as the repair was to only further diagnosis and based off of the age was not cost-effective, would have been far less then what we offered to payout. We are an honest company that stands behind our contract. It is important to note that we do not provide negotiation or courtesy offer services, we upfront in good faith offered to be of assistance, because we want to help our customers. Again, we are sorry if you are misunderstanding our product and coverages. Should you have any further questions and or concerns, please feel free to reach out to the Senior Supervisor that you have been in contact with.
saktirajeswari
2/25/2020
Please do not buy home warranty from them. It is useless. Please save that money to spend if anything goes wrong. Few months back, we had some issue and they did not take care of it. Once I wrote a bad review, they responded immediately and took care of the issue and even asked me to take down my review. So I just ignored it since they took care of the issue. It has been almost a year, now I had reported another issue with my appliance. In the first place, you have wait for at least half hour on the phone every time to get hold of someone to talk to. and secondly, they have worst set of technicians working for them. If the issue is bigger they probably keep dodging until you get tired... 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. Our records reflect that you were in contact with a supervisor that was able to address all of your concerns and we are happy to have gotten this issue resolved. Should you need further assistance please feel free to reach out to her directly.
mslenoraboss
2/20/2020
Well like I said under my earlier review (MsLenoraBoss) HSC will make things right if you are an unsatisfied customer. They came through for me on a claim, luckily it was just a misunderstanding and everything is all good. Great warranty service that keeps its words. I appreciate Lori (HSC rep) for seeing my claim through and keeping in touch personally.

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
H
Hari
2/6/2020
I wish I read these reviews before signing up with this company. Don't sign up with this company. This company is a scam, they collect premiums and deny all claims . I took a big hit and cancelled my contract with them. Please believe these reviews and don't buy home service warranty from this company, if you do you are just wasting money and nothing will be covered. I just complained it to my state insurance commissioner and others who got cheated by this scam company please complain.

D
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 you were in contact with a supervisor. We hope she was able to clear up any miscommunications, misunderstandings and/or frustrations. Should you need further assistance please feel free to reach out to her directly.
E
Elena P
2/4/2020
I cancelled my membership with this company after catching them in lies and not getting claims resolved. Now a Sophia keeps calling me and promising to refund me what I paid thus far in membership IF I go and mark the poor reviews I left earlier as "resolved". I am sorry if this is not bribery, I don't know what is. She is saying that I have to do this BEFORE she can get an approval to refund me my money, otherwise the underwriting dept will not approve it due to a poor review unresolved. Unbelievable! What a disgrace! Do not get involved!

D
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. Our records reflect that you are not entitled to a refund, however, we do see that your administration fee was waived. We apologize if you are not happy with our product or with what our product offers. Our records reflect that you were in contact with a supervisor. We hope she was able to clear up any miscommunications, misunderstandings and/or frustrations. Should you need further assistance please feel free to reach out to her directly.
T
tpsalisbury
2/3/2020
Total waste of money. Stalled me for 2 weeks after my refrigerator started to go bad. I finally had to buy a new one because I could not get anyone to look at the malfunctioning refrigerator. The home warranty was useless.

D
David K  
Official Response

CR of Home Service Club Home Warranty
We appreciate you for providing us with your customer service experience, as we are continually striving to improve the quality of service provided to our 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. We hope the supervisor that was in contact with you was able to clear up any misunderstandings and/or frustrations. Should you need further assistance please reach out to her directly.
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