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Compare American Home Shield vs. Home Service Club Home Warranties

What’s the difference between American Home Shield and Home Service Club Home Warranty? See how our editors compare the two companies below.
Last Updated: December 21, 2024
American Home Shield
4.7 / 5 - Excellent
#5 in Home Warranties
Home Service Club
3.9 / 5 - Very good
#3 in Home Warranties
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Key Facts

Limited Time Offer: $150 OFF Select Plans

  • Covering 2 Million Plus Members for 50+ Years
  • No Age Limits On Covered Systems & Appliances
  • Free HVAC Tune-up With ShieldPlatinum™
  • Coverage for Code Violations & Permits 

$75 Off + 1 Month Free

  • 24/7 Customer Support
  • No Age Limit on Covered Items
  • No Inspection Required
  • More than 25,000 Contractors Nationwide

OVERALL RATINGS

 American Home ShieldHome Service Club
Transparency4.8/54.3/5
Claims Processing4.8/53.3/5
Coverage Options4.7/54.3/5
Additional Benefits4.7/54.0/5
Customer Experience4.7/53.7/5

Coverage

Key Facts

 American Home ShieldHome Service Club
Plan Types
Systems
Appliances
Combo Plan
Combo Plan
Benefit Limit Type
Per Item
Per Item
Per Term
Typical Appliance Benefit Limit
$3,000
$2,000
Typical Systems Benefit Limit
$0
$2,000

Specialty Items and Additional Coverage


Coverage Details

Covered Built-In Systems

American Home Shield
vs
Home Service Club
  • Air Conditioning
  • Heating
  • Electrical
  • Plumbing
  • Water Heater
  • Instant Hot/Cold Water Dispenser
  • Doorbells
  • Ceiling Fans
  • 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

American Home Shield
vs
Home Service Club
  • 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
  • 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 American Home Shield exclusions, check out https://www.ahs.com/pricing-and-plans/contract-policies

Specialty Items

American Home Shield
vs
Home Service Club
  • Guest Unit
  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks
  • Pool/Spa
  • Well Pump
  • Septic
  • Roof Leaks

Contract & Price

Contract Details

 American Home ShieldHome Service Club
Annual Premium
Starting at $0
Starting at $400
Minimum Contract Length
12 month(s)
12 month(s)
Home Inspection Required for Contract?
No
No
Online Quote/Application

Sample Contract

American Home Shield provides a sample contract for potential customers on its website: https://www.ahs.com/pricing-and-plans/contract-policies

Sample Contract

Cancellation Policy

Customers can cancel anytime within their 30 day wait period and receive a full refund, and can cancel anytime during the contract term, as this is a non-binding contract.
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

 American Home ShieldHome Service Club
Service Fee
$100 and $125
$65, $95, and $125
Maintenance Records Required for Service?
No
No
24/7 Claims Department?
Waiting Period
30 days
30 days

Contractors & Service

 American Home ShieldHome Service Club
Contractor Selection
In-Network Only
In-Network Only
Contractor Network Size
14,000+ contractors
Over 10,000
Number of Technicians
45,000 technicians
Service Recall Period
30 days
30 days

Reputation Compared

Company Details

 American Home ShieldHome Service Club
Year Founded
1971
2008
NHSCA Membership
Number of Customers
1.7 million
Number of Employees
1,700
51-200
TrustPilot Rating
2.1 out of 5
3.5 out of 5
BBB Rating
B
B
BBB Positive Reviews
392
BBB Neutral Reviews
50
BBB Negative Reviews
1,874
Date Collected
2023-07-24
2022-07-20

Contact & Additional Information

 American Home ShieldHome Service Club
Homepage URL
Company Phone
(888) 429-8247
(800) 601-1009
Headquarters Address
150 Peabody Place, Memphis, TN, 38103
305 Broadway, 9th Floor, New York, NY, 10007
Mailing Address
P.O. Box 849, Carroll, IA, 51401
Year Founded
1971
2008

Final Verdict

American Home Shield has a higher overall rating than Home Service Club Home Warranty. American Home Shield scores better than Home Service Club across: Reputation, Contractor Network, Contract & Price, Transparency, Claims Processing, Coverage Options, Additional Benefits, and Customer Experience.


Customer Comments & Reviews

A
Angel M
6/17/2024
American Home Shield review
Very disgruntled client…….. I fell on hard times…… called and set up arrangements to get caught up…. Your customer service agreed…. All we in to pay…..EARLY…. And was told my contract has been cancelled…. I’ve been with AHS over 10 years….. never late…… they even reviewed documentation where I was told that once I paid it be reinstated…. Only to be told that since it was canceled it was nothing to be done but to restart a new contract. Poor customer service…… had I been told at the time I called in… this wouldn’t be so disturbing. I have never made a complaint about anything but this is very disturbing….. I have made payment arrangements with different company’s….. and the honor them…. As long as you keep your end of the bargain up….. and I did?


S
Suzanne M
2/8/2024
American Home Shield review
We just received a new rate for 2024 which is higher. Our service fee also went up. We'll be shopping around to compare prices. Last year I received lower rates on a new contract. I've never been able to log into that contract to update my credit card. For service I've had to call rather than order online. I need some help.


sebastian6175
10/7/2022
Home Service Club Home Warranty review
It's not bad . Most people just break there own shit and expect the warranty company to get them a new one. Entitlement!!!!!!!!! is all I have to say


A
Aman
2/8/2021
Home Service Club Home Warranty review
Since my review the company has reached out and worked with me to resolve the issues.


J
Jessica W
3/3/2016
Home Service Club Home Warranty review
Had a fine experience with this company recently when we had an emergency plumbing issue. pipes tend to freeze here in PA and after going through that ordeal and thinking all is done, our faucet and shower cartridges start leaking. Thankfully this was a much easier and cheaper process, the Home Service Club sent out their plumber as we did not want to use the one we hired before, he replaced both and all works fine now. I wish they offered auto warranties I would sign everything up here.

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com

E
Ersie R
2/29/2016
American Home Shield review
Our hot water heater leaked and the contractor responded quickly and repaired the problem. He also recommended the Dry Wall Service that we would need to dry the walls surrounding the water heater. We were pleased with the time it took to restore everything to normal. The contractors were very polite, efficient and punctual. They did a marvelous job of cleaning up when they were finished.


K
Ksenia
2/25/2016
Home Service Club Home Warranty review
We have been with The Home Service Club for a little over two years now and have had a couple of minuscule claims. All went well as they should have and we never had any complaints and never left any reviews. We, just recently, finished our first what I would call major claim. Heating stopped working and the house got cold quickly. It was one of those things which make you instantly nervous. But that was short lived. We were given a technician who came to the house right way and was exceptionally polite and confident in his abilities. A total of less than a couple of hours and a few trips back and forth to his truck, he replaced a few parts and everything was running again. He showed my husband what the problems were and left his business card for future maintenance work which we will be happy to hire him for. It has been a few days now and not a worry so far. We were notified by The Home Service Club to learn that the major repair was authorized and we were only responsible for our deductible just like on the previous smaller claims. We are both pleased with this as we were with the previous ones and it deserves taking a few minutes to write this feedback. You can call us satisfied customers.

David K  
Official Response

CR of Home Service Club Home Warranty
We're very happy to have served. Thank you. We aspire to continue to provide excellent support to you. Please don't wait to reach us out to just about almost some your home warranty requirements. Sincerely, David Lee clientservices@hscwarranty.com

N
Nahun H
2/18/2016
American Home Shield review
It was 20degres,was very cold my heather fan went out,I call Home shield,in 20min.i receive a call from a vendor in less of 2 Hrs.a Tech show up,he adjust the Fan to work until he pick up the new part,he return the next day first thing in the morning,and install the New a Fan,the Tech was very resourful,he was well,presented,left the area very clean on both times he work on my Unit.imwas very please,with the customer service,they understud my problem and act very fast,looking for a Contractor that was available .