The Home Service Club vs. OneGuard Home Warranties
Compare coverage, cost and reviews
 |  |
|---|---|
1.1
805 reviews
|
1.2
866 reviews
|
| No. of plans:2 | No. of plans:3 |
| Starting cost$51.25 | Starting cost$29.99 |
| Service fee$65-$125 | Service fee$100-$125 |
+1 more
The Home Service Club and OneGuard Home Warranties are two major home warranty companies. Both offer comprehensive coverage plans designed to safeguard your home's essential systems and appliances.
We were very impressed by the coverage in The Home Service Club's basic plan. This basic plan costs more than the one offered by OneGuard Home Warranties, but it provides coverage on more items, including the most common household appliances and systems. This makes The Home Service Club a great choice for homeowners who want well-rounded coverage without upgrading to a premium plan.
OneGuard Home Warranties is better for customers looking for the lowest premiums possible. Plans from OneGuard are lower than The Home Service Club across the board, including high-tier and low-tier plans. This makes OneGuard ideal for budget-conscious homeowners who want to keep monthly costs down.
The Home Service Club vs. OneGuard Home Warranties plans and pricing
Home warranty companies generally offer varying levels of coverage, but how companies separate their plans can be very different. Many companies split up coverage for appliances and systems.
Home warranty plans can be divided into three categories:
- Appliance plans cover common home appliances, including washers, ovens and refrigerators. Most appliance plans do not cover home electronics, including televisions, but some companies offer electronics coverage for an additional cost.
- System plans typically include coverage for your home’s plumbing, electrical and HVAC systems.
- Combo plans cover both systems and appliances, though not all combo plans provide the same level of coverage.
Take a look at what you want your plan to cover. If your appliances are new and covered under a manufacturer’s warranty, you can save money by choosing a plan that only covers your home’s systems.
Pricing for home warranty plans typically depends on your choice of service fee, which is your out-of-pocket cost when filing a claim. Choosing a lower service fee increases the plan's cost. If you don't expect to make many claims, a higher service fee might save you money overall.
Here's a breakdown of the cost of The Home Service Club and OneGuard Home Warranties plans based on the service fee you choose:
The Home Service Club pricing
Service fees from The Home Service Club are $65, $95 or $125, depending on your preference. You can choose a higher service fee in exchange for a lower monthly cost, or vice versa. We were unable to get a quote for a lower service fee; the table below shows your monthly rate with a $125 service fee.
The Home Service Club also offers a discount when you pay annually rather than monthly:
- Standard Coverage plan: $649.95 per year
- Comprehensive Coverage plan: $799.95 per year
| Service fee | Standard Coverage | Comprehensive Coverage |
|---|---|---|
| $125 | $51.25 | $62.50 |
OneGuard Home Warranties pricing
You can choose a service fee of $100 or $125 with OneGuard Home Warranties. If you’re OK paying $25 more when you need to make a claim, you can reduce the monthly cost of your plan by $10.
| Service fee | ShieldSilver | ShieldGold | SheldPlatinum |
|---|---|---|---|
| $100 | $39.99 | $59.99 | $89.99 |
| $125 | $29.99 | $49.99 | $79.99 |
*Cost information is accurate as of the time of publishing. Price quotes used a Texas ZIP code; pricing may vary in other locations.
The Home Service Club vs. OneGuard Home Warranties coverage
The Home Service Club and OneGuard Home Warranties both offer a range of plans designed to protect your home's systems and appliances, but there are some notable differences in their coverage options.
The Home Service Club offers two plans, each offering coverage for both systems and appliances in your home.
OneGuard Home Warranties offers just one combo plan that provides coverage for your home’s systems and appliances.
 |  | |
| Coverage | | |
|---|---|---|
| Plan | ||
| Air conditioner | | |
| Heating | | |
| Plumbing | | |
| Electrical | | |
| Ductwork | | |
| Sump pump | | |
| Water heater | | |
| Interior plumbing lines | | |
| Interior electrical lines | | |
| Exterior plumbing lines | | |
| Exterior water lines | | |
| Refrigerator | | |
| Dishwasher | | |
| Oven | | |
| Range | | |
| Cooktop | | |
| Microwave | | |
| Food center | | |
| Garbage disposal | | |
| Trash compactor | | |
| Ice maker | | |
| Hot/cold water dispenser | | |
| Range exhaust hood | | |
| Kitchen exhaust fan | | |
| Clothes washer | | |
| Clothes dryer | | |
| Toilets | | |
| Bathtub/shower | | |
| Faucets | | |
| Ceiling fans | | |
| Attic fans | | |
| Central vacuum | | |
| Doorbells | | |
| Garage door openers | | |
| Roof leak repairs | | |
| Main breaker | | |
| Plumbing stoppages | | |
| Home electronics | | |
| Smoke detectors | | |
| Jetted tub components | | |
The Home Service Club vs. OneGuard Home Warranties add-ons
The Home Service Club and OneGuard Home Warranties also offer additional coverage options. These add-ons allow you to customize your home warranty coverage, ensuring that your plan includes protection for items that may not be included in the standard packages.
The Home Service Club add-ons
The Home Service Club offers up to 16 add-ons. Here’s how much you’ll pay monthly for some of the most commonly selected items:
| Optional coverage | Monthly cost |
|---|---|
| Second refrigerator | $5.00 |
| Stand-alone freezer | $5.00 |
| Sprinkler system | $9.58 |
| Well pump | $10.83 |
| Roof leak repair | $16.66 |
| Pool and spa | $16.66 |
OneGuard Home Warranties add-ons
OneGuard Home Warranties provides six optional add-ons. The monthly cost of coverage for each of these items is listed below:
| Optional coverage | Monthly cost |
|---|---|
| Septic pump | $4.99 |
| Roof leak repair | $9.99 |
| Well pump | $9.99 |
| Guest unit | $12.99 |
| Electronics protection | $14.00 |
| Pool and spa | $20.99 |
The Home Service Club vs. OneGuard Home Warranties reviews and ratings
We looked at thousands of reviews from real home warranty customers. Here’s what home warranty shoppers care about most:
- Technicians: Reviewers often mention the quality of a company’s in-network technicians. This typically relates to how quickly and adequately technicians identify and resolve issues with a home’s systems and appliances.
- Customer service: Being able to reach a representative easily and resolve account issues efficiently are the hallmarks of good customer service. Customer service reviews also frequently mention how knowledgeable and polite the company’s representatives are.
- Claims handling: Reviews about claims handling usually revolve around two things: speed and convenience. When customers complain about a poor claims process, it often relates to a slow response time for home repairs or a complicated system for submitting claims.
- Coverage: Reviewers who discuss coverage typically mention how well a home warranty company honors its contract (in the reviewer’s opinion). A denied claim or an unsatisfactory coverage limit frustrates customers and leads to poor reviews.
Below we break down what percentage of The Home Service Club and OneGuard Home Warranties customer reviews over the last year mentioning one these four important factors reflected a happy or satisfied customer. The closer a company is to a 100% satisfaction rate, the better it is in that area.
| Technicians | Customer service | Claims handling | Coverage | |
|---|---|---|---|---|
| The Home Service Club | 7% | 13% | 10% | 10% |
| OneGuard Home Warranties | 0% | 0% | 0% | 0% |
| Company | Customer rating | Starting cost | Service fee | Plans | Covered systems | Covered appliances | |
|---|---|---|---|---|---|---|---|
 | 3.9 | $29.99 | $100 or $125 | 3 | 14 | 9 | Learn more |
 | 4.0 | $46.83 | $100 | 2 | 9 | 8 | Learn more |
 | 2.8 | $60.42 | $60 or $75 | 3 | 8 | 7 | Learn more |
 | 3.7 | $49.99 | $100 | 3 | 8 | 8 | Learn more |
 | 3.5 | $39.99 | $75 | 2 | 10 | 9 | Learn more |
 | 5.0 | $39.99 | $60 to $100 | 2 | 6 | 13 | Learn more |
 | 2.6 | $30 | $75 or $125 | 4 | 8 | 8 | Learn more |
 | 3.4 | $49.99 | $50 to $125 | 3 | 6 | 9 | Learn more |
 | 4.2 | $42 | $100 or $125 | 3 | 7 | 10 | Learn more |
 | 4.0 | $38.99 | $100, $125 or $150 | 3 | 10 | 12 | Learn more |
 | 4.0 | $50 | $100 or $125 | 3 | 10 | 10 | Learn more |
 | 2.3 | $41.99 | $70 to $150 | 3 | 6 | 12 | Learn more |
