Home Service Club Review


What Plans does Home Service Club Warranty offer?

The Home Service Club offers two base plans. From there, you can add on coverage for utility lines or specific appliances and systems in your home. All plans are for one year.


Standard Coverage: This plan covers 18 common systems and appliances.
Comprehensive Coverage: This plan covers everything that Standard Coverage does plus 15 more items.
Utility Line Coverage: This add-on covers the utility lines and pipes that run to and from your home.
Stand-alone options: The Home Service Club offers optional coverage for appliancces and systems not listed in its plans, including pools, sprinkler systems and water softeners.


What is included?


Standard Coverage includes the following systems and appliances:

  • Refrigerators
  • Ovens/ranges/cooktops
  • Dishwashers
  • Washing machines
  • Clothes dryers
  • Free-standing ice makers
  • Built-in microwave ovens
  • Trash compactors
  • Built-in food centers
  • Air conditioning systems
  • Heating systems
  • Electrical systems
  • Water heaters
  • Plumbing systems
  • Garbage disposals
  • Garage door openers
  • Ceiling fans
  • Central vacuums

Comprehensive Coverage includes everything under Standard Coverage plus:

  • Plumbing stoppages
  • Ductwork
  • Gas leaks
  • Pest control
  • Whirlpool coverage
  • Alarm wiring
  • Telephone wiring
  • Smoke detectors
  • Exhaust/attic fans
  • Sump pumps
  • Doorbells
  • Hot water pumps
  • Hot/cold water dispensers

Utility Line Coverage is available as an add-on. This package covers:

  • Outside water lines
  • Outside electric lines
  • Outside sewer lines
  • Outside gas lines
  • Sprinkler systems
  • Grinder pumps

Add-on options include coverage for:

  • Sprinkler systems
  • Pools and spas
  • Water softeners
  • Roofs
  • Jetted bathtubs
  • Free-standing freezers
  • Sewage ejector pumps

Coverage maximums from The Home Service Club vary depending on your location. Per-unit caps range between $300 and $2,500, and the annual maximum is between $6,000 and $9,000.


Does The Home Service Club require a home inspection?

No, The Home Service Club does not require a home inspection or home inspection report.

What is The Home Service Club’s recall period?

The Home Service Club has a 30-day recall period for parts and a 90-day recall period for labor.

Does The Home Service Club have age limits for coverage?

No, The Home Service Club covers systems and appliances regardless of age.

Can I cancel The Home Service Club home warranty?

Yes. Customers who cancel in the first 30 days receive a full refund, minus a $45 processing fee. After 30 days, customers who cancel receive a prorated refund, minus the $45 processing fee.

Anything I will enjoy?

The Home Service Club has been in business for more than a decade. This can be a benefit to homeowners because it indicates that the warranty service provider is experienced and versed in the home warranty industry and knows how to provide excellent service.


Various home warranty plans are available as well as optional add-ons so consumers do not have to pay for a completely different plan if they want to add just a few individual appliances or systems to their current plan. The Home Service Club is definitely worth a look, especially since it has numerous warranty plans with customizable coverage and has won multiple awards for its service.


After purchasing a plan from The Home Service Club, an online user account is auto-registered for the customer, providing them with an email, a username, and a temporary password. The warranty service provider gives the customer a link to their account, and all the customer has to do is reset the password to one of their choice and they are ready to access your warranty plan information online. Having an online account is convenient and gives you 24/7 access to manage your account, including checking and updating your coverage, changing any preferences, and downloading your warranty agreement. An online account can give homeowners an additional peace of mind knowing they can always check in on their home warranty.


Especially with home warranty companies, it is important to find a company with quality reviews to demonstrate customer satisfaction. The Home Service Club complaints are limited, and the majority of its reviews are overwhelmingly positive. Home Service Club reviews highlight quick and efficient service contractors, quality customer service, and affordable prices.

Anything to consider?

Although The Home Service Club offers an estimated minimum payment, there is little information regarding upfront costs on yearly premiums or deductibles. The Home Service Club requires personal information such as address and email before a customer can receive a specific price. However, this is quite common within the home warranty industry and having more information allows The Home Service Club to give customers more accurate and customized pricing information.


Although you can submit a claim online 24/7, customer service representatives are only available between 9 a.m. and 7 p.m. Eastern time for trade service calls, which could make it difficult should you need to speak to someone directly. That is something to consider, especially given the different time zones.


The cost of trade service fees starts a little lower than some of the competition. Still, if you have a lot that you need to cover, this is very useful.


  • As low as $1/day
  • Nationwide Service
  • Customizable Coverage
  • 24/7 customer service
  • Real Estate Packages
  • Positive Reviews
  • Auto-Registered Online Account
  • Time in Business
  • The Home Service Club Cost


  • High premiums


Company Name Home Service Club
Year Founded 2008
Coverage Nationwide
Customer Service 9 a.m. to 7 p.m EST at 800 601 1009
Waiting Period 30 days
Service Recall Period Repair work is guaranteed for 90 days on parts and 30 days on labor
Contractor Network Nationwide network of more than 10,000 contractors
Number of plans 2 plans plus add-ons
Contract length 12 months
Payment Options Company’s choice of repair, replacement, or cash payment
Cost Service Call fees between $65 & $95. Plan costs range from $45/month to $60/month


Final Verdict

The Home Service Club is worth it for many consumers. HSC tends to have higher prices than its competitors, but consumer reviews mention an easy claims process and quick repairs. Its customer service is always available and there is no age limit for covered systems and appliances.


The Home Service Club offers service nationwide and has attractive features such as labor recall and various home warranties for real estate packages and regular homeowner coverage. There are additional benefits, such as The Home Service Club’s auto-registered online account and online claim process that is available 24/7, making it simple for customers to manage their home warranty plan any time.


When considering a home warranty, it is always best to shop around, but start with a list of what you need versus what you want to cover, as well as what you are looking for in a home warranty company. Know what to expect from the contract before you sign. A specific appliance may be covered, but it is not likely that every part of the appliance will be covered under your warranty. As always, do your due diligences before you buy. It is better to begin a contract well-informed to help avoid surprises later on.


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Home Warranty Companies

In short

The Home Service Club, also known as HSC Warranty, is a home warranty company that offers two plans along with add-ons for utility line coverage and other home appliances and systems. The Home Service Club works with a network of more than 10,000 technicians across the U.S. and offers its service in every state.


  • As low as $1/day
  • Customizable Coverage
  • 24/7 customer service
  • Nationwide Service


  • High premiums


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What does it cost?

A Home Service Club home warranty costs $419 on average per year for a basic home warranty plan. Prices will increase if you have a more extensive plan. The service fee for each technician visit can range between $65 and $95, depending on the plan you have. Similar to most home warranty companies, The Home Service Club requires a one-year contract length.

PlanAverage Monthly Cost
Standard Coverage$45
Comprehensive Coverage$60

How does it work?

The Home Service Club sells home warranties in all 50 states and Washington, D.C. The company offers standard coverage, comprehensive coverage and optional add-ons. The Home Service Club does not require home inspections, and there is no age limit on covered systems and appliances. Annual costs for a home warranty with The Home Service Club start at around $400.

The Home Service Club is a nationwide home warranty provider and the winner of the 2015 and 2016 “Best in Service” award and the 2018 “Editor’s Choice” award. The Home Service Club specializes in a variety of different home warranty types and offers comprehensive plans, as well as an additional Utility and Service Line coverage, which expands beyond the walls of the home. The Home Service Club prides itself in having its own supply chain of household systems and appliances and ensuring all equipment provided is brand new, fully warrantied, and up to all codes and requirements. The company has a growing service network of over 10,000 technicians nationwide and describes itself as a leader and innovator in the home warranty industry since its founding in 2008. The Home Service Club is currently headquartered in New York City.

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