The Home Service Club

The Home Service Club

 4.0/5 (736 reviews)

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Overall Rating4.0 out of 5
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About The Home Service Club

The Home Service Club, also known as HSC Warranty, 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 doesn’t require home inspections, and there’s no age limit on covered systems and appliances. Annual costs for a home warranty with The Home Service Club start at around $400.

    Pros & Cons


    • 24/7 customer service
    • No age limit on covered items
    • Available nationwide


    • High premiums

    Bottom Line

    The Home Service Club offers a variety of home warranty plans and add-ons. Its prices trend a bit higher than most of its competitors' costs, but it offers 24/7 customer service in every state.

    Top The Home Service Club Reviews


    I was very pleased with the way the customer service manager Jimmy answered my questions and helped me make a very comfortable choice as to which plan I needed for basic coverage....

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    My recent claim was for my air conditioning ... When he came to check the system out, he found a burnt plug and a burnt receptacle up in the attic, so he went ahead and replaced t...

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    What is The Home Service Club?

    The Home Service Club is a home warranty company. It 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. to offer service in every state.

    The Home Service Club plans

    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 appliances and systems not listed in its plans, including pools, sprinkler systems and water softeners.

    The Home Service Club coverage

    We looked at sample plans in Texas for an example of what The Home Service Club’s plans cover.

    Standard Coverage
    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
    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
    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
    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.

    The Home Service Club costs

    Expect to pay at least $400 a year for a home warranty from The Home Service Club. Most home warranties from The Home Service Club cost between $550 and $750 per year ( $46 to $63 a month). Service fees range from $65 to $125 and vary by plan but average around $95.

    PlanAnnual cost
    Standard Coverage$551
    Comprehensive Coverage$731
    Note: These costs are for a house under 5,000 square feet in Houston, Texas.

    We’ve also listed some annual costs for coverage add-ons below based on the same home in Houston:

    • Utility and home service lines: $239.40
    • Sprinkler systems/home irrigation system lines: $107.40
    • Roofs: $179.40
    • Pools or spa equipment: $179.40
    • Additional refrigerators: $47.40
    • Spas and spa heaters: $179.40
    • Sewage ejector pumps: $59.40
    • Built-in refrigerator units with dual compressors: $215.40
    • Free-standing freezers: $47.40
    • Well pumps: $107.40
    • Additional water heaters: $107.40
    • Water softeners: $143.40
    • Additional ovens/ranges/cooktops: $48.00
    • Additional dishwashers: $48.00
    • Jetted bathtubs: $179.40
    • Additional microwaves: $47.40
    • Additional freezers: $47.40

    You can obtain a home warranty quote from The Home Service Club by entering basic personal and home information on its website and choosing a plan and any desired add-ons.

    The Home Service Club FAQ

    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 require a home inspection?
    No, The Home Service Club doesn’t require a home inspection or home inspection report.
    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 a 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.

    Is The Home Service Club worth it?

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

    The Home Service Club Reviews

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    Page 1 Reviews 0 - 10
    Verified Reviewer
    Original review: May 7, 2023

    Microwave was not working so placed a claim Mar 18, 23. Technician came out for diagnosis and said the capacitor need replacing. Three appointments and six weeks later after replacing fuse, door switch, capacitor, magnetron tube, fuses and transformer, they said that the control panel and thermal switch needed replacing and it was no longer economical to repair. After another delay Home Service Club offered me $191 in lieu of replacement and said that it was their choice as to whether to replace or offer cash settlement.

    My argument that I really needed a replacement rather than a low cash amount fell on deaf ears. It will cost me more than $500.00 for purchase and to install a like quality microwave. Early in the process I suggested a replacement but was told that they needed to follow the technician's recommendations. I'm ready to cancel my contract now but will wait until I receive a check which they said could take 30 days.

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    Verified Reviewer
    Original review: March 3, 2023

    I purchased the warranty service for 6 years and canceled it in 5 months. They deducted $ 350 for 5 months of coverage as prorated. I reported one incident that my Heating system is not working. One technician came and mentioned the ductwork has been broken and he needs to submit it for approval. I waited for 30 days and there was no response. All this company mentioned is technician did not submit the report. After 30 days they assigned a new technician. He also came and reported the same. However, this guy submitted the report. Next day they rejected the claim as ductwork is not covered. Then I show them the document where they mentioned it is covered.

    The answer is, there is a section E under the ductwork that says physical damage is not covered. I am not sure how someone can go to artech and physically damage the ductwork. In my house we have only 2 adults and a small kid of 15 months. This company is a trap. They will make sure you are not satisfied with their service and then you cancel the policy so that they will deduct more money as prorated calculation. If you do not want to lose your money and time, then do not go to this company for home service. This does not know even how to behave customers and they do not even share the document before signing the coverage. Thanks. Shiba

    Be the first one to find this review helpful

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      Verified Reviewer
      Original review: Feb. 17, 2023

      I submitted a claim on 02/02/2023 for my Refrigerator Icemaker as it wasn't dispensing ice. On my account's home page, it states that it is covered under my plan. The technician came out on 02/06/2023 and told me I need a new motor and he would let the company know what's going on. On 02/13/2023, I got an email stating that the claim was denied because the icemaker is not covered. It says it's covered on my account's home page but it states it is NOT covered in the fine print under Terms and Conditions. I appealed the outcome and they said the best they can do is pay $100.00 towards the repair. I paid my service fee and now I have to come out of pocket again to pay for the remainder.

      3 people found this review helpful
      Verified Reviewer
      Original review: Feb. 5, 2023

      I put in a claim with HSC on Dec 27th to repair my water heater. They ended up assigning two different vendors which did not show up or call me to cancel. I called HSC numerous times and as of Feb 6th 2023 still no vendor has shown up, repeated calls back to HSC has no effect or results...Don't get this company!!

      4 people found this review helpful
      Verified Reviewer
      Original review: Jan. 16, 2023

      I've been trying to get a PLUMBER for over 2 mo so far! 1) They can't find service providers in my mid sized town. They let me find someone, but no one will come out and sit around waiting for them to approve their quote. 2) They do keep assigning me the same provider who doesn't seem to be licensed. Neither they nor the provider will give me proof of license, so I have to assume not licensed (not on the state or city roster either). 3) Can't talk to a supervisor if you have trouble. 4) They can't help you decide if you need a plumber or appliance provider so I guessed wrong and now I have to pay 2 providers (if I can get a plumber). AWFUL. AWFUL. AWFUL!

      3 people found this review helpful
      Verified Reviewer
      Original review: Nov. 11, 2022

      I submitted a claim online for a leaking pipe that was flooding a bedroom. I got one email that said they would be in touch about a technician, but HSC couldn't find a technician so they canceled the claim without calling or sending an email - zero communication. Of course we fixed the leaking pipe! And now they are saying that they don't reimburse work done. Ridiculous -- don't count on them if you have an emergency.

      4 people found this review helpful
      Verified Reviewer
      Original review: Sept. 17, 2022

      I used Home Service Club to support my Rental in Rhode Island. I renewed my warranty for 6 years, but ended up selling the home halfway into the 1st year. Initially, I called to ask about refunding 5 of the years and transferring the name of the warranty to the new owners. I was told it would be 'no problem'! In the meantime, there was an issue noticed in a walkthrough of the property, so I asked a technician to look at it. There was a leak suspected in a bathroom; it should've been fairly easy to fix, but required getting into the wall.

      Due to the home being in between ownership, it took a little extra time for a technician to be cleared to enter and cut into the wall. The first hiccup was that the claim had been opened for more than 30 days and automatically closed. The technician tried to get authorization to complete the work order, and due to the auto-closed claim, had to reschedule. This process was an absolute nightmare.

      I called customer service no more than 3 times in order to open the claim, open a NEW claim and assign it to the same technician, then eventually RE-open the OLD claim. Confused? So was I!! Eventually, the new owners were frustrated enough that they didn't even want a year's coverage (that I had ALREADY paid for!) as they had no desire to work with this company. The technician was completely frustrated with the lack of support and inability to finish a claim that had already been authorized. I paid the Trade Call fee, I had been told I'd be able to transfer the policy, and I had paid quite a premium for the six years of coverage. In the end, the owners paid a completely separate vendor to complete the fix and I asked to simply cancel my policy.

      The result? I paid for the claim. Completely. As in, I would have been better off if I hadn't even had coverage from Home Service Club. I wouldn't have had a middle-man making the process painful and resulting in extra charges (the technician had wasted man-hours and parts that were not required anymore). All those charges were passed on to me as Home Service Club refused to reduce my 6-year policy (as previously agreed to) and in cancelling my claim, required I pay for all services. An absolute waste, a painful experience, and one that hopefully will serve to help others steer clear of this 'business'. Just save your own money and have local vendors fix your issues.

      7 people found this review helpful
      Verified Reviewer Verified Buyer
      Original review: Aug. 29, 2022

      When I got this warranty the representative I spoke to assured me it was fine that my home was old and they would cover systems and appliances with wear and tear. I signed up in June 2019. Then in December 2020 my water heater failed. My claim was denied and no help was given because of every little thing they could find wrong with it that they would not cover. Fast forward to December of 2021: a pipe burst. My claim was denied. Cost of repair was $650 out of pocket. HSC wouldn't have offset any of that until I said I was going to cancel. I agreed to stay on when they offered to reimburse some of what I paid to get it fixed.

      Finally, we are in August of 2022. My outside AC unit fails. Compressor has gone bad. It's old, from 1999. Technician recommends replacing the unit. HSC... guess what? Right. My claim was denied. I decided to appeal. I was supposed to receive a follow up email within 24 hours. I waited 4 days with no follow up email with a case manager's information. After checking my email again and seeing nothing, I decided it was time to cancel. The only thing I really got from this company was paying a service fee to be told "no we will not help you."

      6 people found this review helpful
      Verified Reviewer
      Original review: Aug. 13, 2022

      My first time using the HSC was for a Dishwasher repair board replacement. The total price was approx $300. Guess who got the bill? I got the bill. Not only did I get the bill I got two bills for different amounts for the same job. 4 calls to HSC each time "We're very sorry, we'll email Sears," blah, blah. All lies. After months of dealing with Sears billing I got sent to collections. I finally just got an email from Sears billing stating HSC does not pay their bills and it falls on the customer to pay. They only pay about 1/3 of whatever it is if you're lucky. I've been dealing with this for months. "No Worries Just Service"

      8 people found this review helpful
      Verified Reviewer
      Original review: July 28, 2022

      I called the company to place a service call on June 28th to address my A/C unit. The company outsources the work with various companies. Tech assigned to address my issue arrived at my home and was in my home for less than 5 minutes. Charged me $95 and told me he would get authorization from The Home Service Club and would have to return. I asked what the problem/diagnosis was but he could not answer. So basically I just paid him $95 for nothing. He said he would contact me. 2 weeks passed and I did not hear from him or the Home Service Club so I called The Home Service Club and they said they would escalate the problem and would contact me in 24 hours. Well today is July 28th so I called them again since I never heard back and they simply told me they would have another tech/company come to my house.

      They said they would waive the $95 fee but I would have to wait another 24 hours to get an email confirming date and time. In addition they simply said that the company that came to my house initially did not want to do the job. And this is acceptable??? A month and not has been done???? No follow up, no reason, no explanation. Basically I’m at their mercy. Why do I even pay for a home warranty when service is below par? Now I have to wait?? Horrible service, horrible company but worst are the companies they outsource to. They should vet them carefully. Please don’t waste your money on The Home Service Club.

      8 people found this review helpful

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        The Home Service Club Company Information

        Company Name:
        The Home Service Club
        Company Type:
        Year Founded:
        Formerly Named:
        The Home Service Club
        305 Broadway 9th Floor
        New York
        Postal Code:
        United States

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