The Home Service Club Reviews

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Edited by: Jon Bortin

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.

Pros
  • 24/7 customer service
  • No age limit on covered items
  • Available nationwide
Cons
  • High premiums

Helpful Reviews

Santa Fe, NM
Verified purchase
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 ...

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San Antonio, TX
Verified purchase
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 ti...

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The Home Service Club coverage

The Home Service Club offers two plans to choose from, along with a wide variety of add-on options and utility line coverage that can customize your protection.

Standard Coverage

This 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

This 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

This is available as an add-on. It covers:

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

Add-on options

The following add-on options can expand your coverage for an added fee:

  • Sprinkler systems
  • Pools and spas
  • Water softeners
  • Roofs
  • Jetted bathtubs
  • Free-standing freezers
  • Built-in refrigerators with dual compressors
  • Sewage ejector pumps

The Home Service Club cost

There are many factors that can affect the cost of your home warranty plan, including the size of your home, where you live and which plan you choose. The following prices are quotes for a home under 5,000 square feet in Houston.

*For a home in Houston at the time of publishing. Price may vary by location.

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

  • Plumbing sprinkler: $114.95
  • Roof coverage: $199.95
  • Pools or spa equipment: $199.95
  • Additional refrigerators: $59.95
  • Spas and spa heaters: $199.95
  • Sewage ejector pumps: $99.95
  • Refrigerator dual compressor: $225.95
  • Free-standing freezers: $59.95
  • Well pumps: $129.95
  • Additional water heaters: $149.95
  • Water softeners: $159.95
  • Additional ovens/ranges/cooktops: $59.95
  • Additional dishwashers: $59.95
  • Jetted bathtubs: $199.95
  • Additional microwaves: $59.95
  • Additional freezers: $59.95

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’s service fees range from $65 to $125 and vary by plan, but average around $95.

The Home Service Club coverage exclusions

The Home Service Club covers specific items in your home against mechanical failure caused by normal wear and tear.

According to the company’s sample contract, some exclusions include all piping and plumbing outside the perimeter of the foundation or below the lowest floor of a home, as well as damage caused by freezing or roots.

You can read more about the company’s exclusions in the sample contract provided on its website.

The Home Service Club claims

Customers can call The Home Service Club during business hours to file a claim or visit its website at any time. When submitting a claim, you will need to provide necessary information, including contact details, policy number and a description of the issues you’re experiencing with your system or appliance.

Once your claim has been submitted, you will receive an email confirmation with your claim number. The company’s response team will dispatch a local service contractor who will contact you and schedule an appointment for service.

Coverage limits

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

The Home Service Club FAQ

Is The Home Service Club legit?

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.

What is The Home Service Club?

The Home Service Club, also known as HSC Warranty, sells home warranties in all 50 states and Washington, D.C.

How does The Home Service Club work?

The Home Service Club 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.

Where is The Home Service Club available?

The Home Service Club is available in all 50 states and Washington D.C.

Does The Home Service Club require a home inspection?

No, The Home Service Club doesn’t 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 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.

Still have questions?

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The Home Service Club Reviews

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    Page 1 Reviews 0 - 10
    Customer ServicePriceRefunds & PayoutsBillingTimeliness

    Reviewed April 14, 2026

    Do not use, they will charge you even when you call to cancel months ago. There is "No place to see your payments. Or to change your card info and remove the other ones", you can add of course, but that is it. They will charge you, then the same day you call again to say stoppp. But they can not refund your payment even though they will cancel you immediately. So, they get paid, you still don't get service / refund for that payment.... Look elsewhere.

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    Customer ServiceCoveragePunctuality & SpeedMaintenance

    Reviewed March 26, 2026

    While I am waiting for an assignment to a repair facility, I learned they will only allow one repair facility per 12 months... At least that is what I was told by the claims operator. My dishwash broke, (not covered) and when my heater stopped working the response is "wait" we will get back to you. Today is Thursday... Will I be freezing all weekend?

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      Claims HandlingCoverageTechStaff

      Reviewed Feb. 24, 2026

      Do not recommend. Look for a different option. The company wasn't able to secure a vendor for diagnosis let alone for a fix during the cold weather when my tenant needed hot water. With their permission, I secured a technician and got it fixed while we provided information to Home Service Claims department. Apparently, their claims processing is not able to handle the processes they have set themselves. They rejected my claim and when I tried to cancel my contact all together, they told me I couldn't cancel and the policy had to stay live.

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      Claims HandlingCoverageTechPrice

      Reviewed Dec. 22, 2025

      Canceled my policy with this cheating company within 30 days. They took 10+ days to get a tech to my claim. My home was without heat during that time. The tech who comes says the system is gone. They deny my claim! They charge a cancellation fee in addition to prorated charges. Even though there is no mention of cancellation fees or any such reductions to cancel within 30 days. Stay away from these cheaters.

      Thanks for your vote!
      Customer ServiceClaims HandlingCoverageTechPunctuality & SpeedMaintenanceTimelinessNetwork QualityCoverage Limits

      Reviewed Aug. 27, 2025

      I would not recommend Home Service Club. I signed up for their warranty plan thinking it would give me peace of mind, but it’s been nothing but frustrating. Every time I filed a claim, it took weeks to get a response, and when someone finally came out, the repairs were either delayed or not covered for reasons that didn’t make sense. Customer service was extremely hard to reach—long hold times, unreturned emails, and no clear answers. Overall, I feel like I wasted money and time. I ended up hiring my own contractor just to get the garage door opener fixed. I filed a claim for my oven since June 19th and up to now still waiting. I spoke to one of the managers who was very rude. Kindly save yourself the headache and look elsewhere. Horrible, horrible company to work with.

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      Verified purchase
      CoverageTechSales & MarketingPriceStaff

      Reviewed Aug. 19, 2025

      This company is a fraud! Please save your time, money, and dignity and avoid this company at all costs. I confirmed with the sales rep and multiple times after that that the irrigation system is covered as part of the "Service Line" added as additional coverage to my contract. After appealing my case for denying coverage for irrigation issue, the "executive" of the company decided that this is not covered, despite my contract explicitly saying: "Irrigation System – Covered: Control box. Outside or underground piping. Sprinkler heads." Now, I have to go through a mandatory arbitration process, and spending more time and money to prove something that's explicitly stated in my contract. If I could give them negative stars I would.

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      Customer ServiceSales & MarketingRefunds & PayoutsTransparencyNetwork Quality

      Reviewed July 24, 2025

      Updated on 07/28/2025: Actually the worst experience I've ever had with any company. I would rather deal with a used car salesman than this company. Just totally blew me off and went 90 days without air conditioning. Told me to hire my own company then said they never said that and now will not reimburse me anything.. This company is a scam.

      Original Review: Horrible Horrible Horrible, it has taken over 70 days for them to get my air conditioner fixed and they now refuse to answer my emails and when I ask to speak with a manager they just hang up the phone. No idea how a company this bad is still in business. How they handled, I mean deny claims is criminal. I'm sure there are a ton of class action suits against them.

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      TechPunctuality & SpeedCoverage Limits

      Reviewed June 21, 2025

      Used when central air went out. Sent a tech who said it needed a part. Paid service fee and that tech ghosted me and Home Service. Then the new tech just kept canceling appointments and never showed up. Huge waste of time and money and temps are to be setting records this coming week.

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      Customer ServiceCoveragePricePunctuality & SpeedMaintenanceStaff

      Reviewed March 24, 2025

      I needed an emegency grarage repair and had to call a service company to come immediately to get garage door open. When I file claims with The Home Service Club it usually takes weeks to get the problem taken care of I couldn't wait weeks to get my garage door working they will not even cover a partial cost of the repair. I will not renew with The Home Service Club. The spring was broke. 500.00 to fix the door.

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      Customer ServiceCoverageTechRefunds & PayoutsStaff

      Reviewed March 13, 2025

      Don't buy! They will always try to deny your claims and if they can find one, they will use their Discretion to make so. My washer broke and has leaks on the floor, the technician came and determined the bearing might have worn out and causing the inner tub rubbing against the outer tub and caused damages to the unit. It would be hard to get the parts because it's LG and their only have parts for 3 years. The Home Service Club denied the claim after I paid for the visit, claiming the damage to the outer tub in their mind is not "Normal Wear and Tear", actually the manager told me on the phone if there is any damage found, it is excluded on their policy. So they don't care about whether the cause is "Normal Wear and Tear", you need to make sure the breakdown does not cause any damage to other parts.

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        The Home Service Club Company Information

        Company Name:
        The Home Service Club
        Company Type:
        Private
        Year Founded:
        2008
        Formerly Named:
        The Home Service Club
        Address:
        305 Broadway 9th Floor
        City:
        New York
        State/Province:
        NY
        Postal Code:
        10007
        Country:
        United States
        Website:
        www.hscwarranty.com