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The Home Service Club Review (2022)

A home warranty can help when major systems and appliances break down. Read our review of The Home Service Club to determine if the company is the right home warranty provider for you.

Front porch iStock

In This Review: Our Take | Pros & Cons | Plans | Pricing | Availability | Reviews | Conclusion | FAQs | Company Information | Methodology

The Home Service Club (HSC) is a relative newcomer to the home warranty industry and has been in business since 2009. The company’s nearly nationwide service area covers all 50 states.

The This Old House Reviews Team has thoroughly reviewed the best home warranty providers in the industry, comparing plans, costs, customer reviews, and other factors. Based on our findings, we determined that The Home Service Club is an ideal home warranty company for those who need quick coverage, as a home inspection is not required before coverage begins.

In this Home Service Club review, we go in-depth on the provider’s plans, prices, customer reviews, and more.

Our Take on The Home Service Club

We rated The Home Service Club a 9 out of 10 and named it the home warranty company with the ‘Quickest Coverage’ of 2022. It covers items regardless of age, make, or model and doesn’t require a home inspection for coverage. However, it’s not accredited by the BBB.

Pros & Cons of The Home Service Club

✔ Doesn’t require a home inspection for coverage to kick in
✔ Has a 30-day labor guarantee and 90-day parts guarantee
✔ Covers repairs and replacements of covered items regardless of the age, make, or model

✘ Not accredited by the Better Business Bureau (BBB)
✘ High contract transfer fee
✘ High service fee of up to $125

Home Service Club Plans & Coverage

The Home Service Club offers two home warranty plans: Standard and Comprehensive. The Standard plan includes coverage of essential systems and appliances, like air conditioning and electrical, while Comprehensive coverage includes everything in the Standard plan plus additional systems and appliances. All of the covered items are outlined in the table below:

Home Service Club Plans

Systems/Appliances Standard Coverage Comprehensive Coverage
Systems/Appliances Standard Coverage Comprehensive Coverage
Air conditioners
Heating system (including heat pumps)
Plumbing system
Water leaks
Water heater
Electrical system
Ceiling fans
Central vacuum(s)
Garbage disposal
Garage door opener
Microwave oven (built-in)
Ovens, ranges, and cook-tops
Trash compactors
Food centers (built-in)
Clothes washer/clothes dryer
Freestanding ice makers
Gas leaks
Sump pump
Whole house exhaust and attic fans
Instant hot/cold water dispenser
Pest control
Telephone wiring
Alarm warning
Smoke detectors
Whirlpool motor and pump assemblies
Plumbing stoppage coverage

Optional Add-Ons

In addition to the Standard and Comprehensive plans, The Home Service Club offers coverage for the following optional add-on items:

  • Roof coverage
  • Jetted bathtub
  • Well pump
  • Sewage ejector pump
  • Pool or spa equipment
  • Water softener
  • Freestanding freezer
  • Spa and spa heater
  • Plumbing sprinkler
  • Freestanding additional refrigerator
  • Refrigerator built-in units with dual compressors
  • Service line
  • Additional freezer, oven/range/cooktop, microwave, dishwasher, or water heater

Before opting into an HSC warranty, we recommend reading a sample contract to understand what exactly is and isn’t covered. This will also give you a better idea of what coverage caps look like and if there are any limits or exclusions on important systems and appliances.

Home Service Club Plan Pricing

Home Service Club plan costs fall on the higher end of average monthly home warranty premiums. With the base price plans in mind, know that the cost of your monthly fee will also vary based on any additional coverage options you decide to purchase and include in your plan.

Like almost every other home warranty provider in the market, The Home Service Club charges a service fee every time one of its professional technicians visits your home to address the broken item. HSC charges a pre-selected service call fee that ranges from $65 to $125 which you determine at the time of plan purchase.

Below are the monthly prices of HSC plans, based on a quote for a single-family home in Charlotte, North Carolina:

  • Standard Coverage: $50 per month
  • Comprehensive Coverage: $63 per month

Though the prices we’ve listed are accurate, we recommend getting a quote from The Home Service Club, since pricing may vary based on where you live, the size of your home, and the plan you choose.

Get a free quote today by filling out the online form or by calling 800-842-9334.
Front exterior of the 2018 Idea House in Narragansett, RI
Front exterior 2018 Idea House in Narragansett, RI.
Nat Rea

State Availability

The Home Service Club is available in all 50 states.

The Home Service Club Reviews

The Home Service Club is not accredited by the BBB and has a C rating on the site. Trustpilot rates The Home Service Club as “Great,” with a 4.2 out of 5 star rating from current customers.

While most reviews are positive, even good providers have negative reviews. Here is a Home Service Club review from Trustpilot:

“I want to thank the people at The Home Service Club for having excellent customer service representatives that are a combined wealth of knowledge. They understand my particular needs and concerns and give me the peace of mind that I am protected.” —Krystal M., 5 stars, 6/5/2019

Here is feedback a This Old House reader shared about their experience:

“I never had anything replaced or repaired [after] waiting for 30 days. The last year has been a nightmare trying to get them to replace an oven. After 1 year, I bought it myself and they canceled my contract with no notice.” —Michael D. on 1/27/2021

Our Conclusion

Following our review of The Home Service Club, the This Old House Reviews Team gave the company a rating of 9 out 10. Its comprehensive coverage makes it a great option for people who want basic coverage of home systems and appliances.

Additionally, The Home Service Club has a 10-day waiting period, which means it takes less than two weeks for the contract to go into effect after it’s been signed. This is significantly shorter than the 30-day waiting periods most home warranty providers offer.

However, The Home Service Club has a deductible as high as $125, compared to other companies that have deductibles as low as $75 and $60. We recommend The Home Service Club if you don’t want to wait 30 days for your coverage to kick in.

Compare Home Warranty Companies

Provider Best For Monthly Cost Service Fee BBB Rating Years in Business States Covered
Provider Best For Monthly Cost Service Fee BBB Rating Years in Business States Covered
Home Service Club Quick Coverage $50–$63 $65-$125 C 13 50 states
Liberty Home Guard Trustworthiness $40–$60 $60 A 2 years 48 states (Not including WA and WI)
American Home Shield Overall $40–$58 $75–$125 B 49 years 49 states (Not including AK)
Choice Home Warranty Service $36–$44 $60–85 B 11 years 49 states (Not including WA)
Select Home Warranty Lowest Deductible $36–$38 $60–$75 B 8 years 46 states (Not including NV, NM, WA, WI)
First American Home Warranty Value $36–$38 $75 B 35 years 35 states (Not including AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NY, ND, RI, VT, WI)
America’s First Choice Home Club Customization $43–$60 $75–$125 B 10 years 46 states (Not including CA, HI, NV, SC)

To learn more about other home warranty companies we recommend, read our in-depth company reviews:

Frequently Asked Questions about The Home Service Club

What is an HSC home warranty?

A Home Service Club home warranty is a renewable contract that protects homeowners from unexpected repairs and replacements on major systems and appliances. A quality home warranty provides peace of mind for home repairs and helps homeowners avoid huge fees when something breaks down in their home.

How do you cancel a home warranty service contract?

Canceling a contract with a home warranty provider is as simple as contacting its support staff. Just keep in mind that different companies have different terms and conditions when it comes to canceling so read all of the fine print in your contract to avoid unnecessary cancellation fees.

What’s the difference between an HSC homeowners plan and a RE-Pro plan?

HSC homeowners plans are available to homeowners, while RE-Pro plans are available through real estate transactions.

Is a home inspection required before coverage begins with The Home Service Club?

A home inspection is not required before you purchase a home warranty and coverage begins.

What’s the claim process with The Home Service Club?

Once your home warranty coverage begins (10 days after you’ve signed your contract), The Home Service Club support staff will be at your disposal 24 hours a day, seven days a week.

You can submit a claim via phone at 800-601-1009 or by logging into your account using your desktop or mobile device. Once you’ve submitted your claim, you’ll receive a confirmation email that the request has been received. After this, the company will assign a local professional who will contact you to schedule a convenient time for service.

Company Information

  • Company name: The Home Service Club
  • CEO: Sam Zakarin
  • Years in business: 13 years
  • Address: 305 Broadway, 9th Floor
  • City/State: New York, NY
  • Zip code: 10007
  • BBB rating: C
  • BBB reviews: 479

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at