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The Home Service Club vs American Home Shield

A home warranty protects homeowners from expensive repair bills when their appliances and systems break down due to normal wear and tear. In this review, we discuss two popular home warranty providers—The Home Service Club and American Home Shield—and help you determine which is best for your home.

Home Warranty Adobe

Need to compare The Home Service Club vs. American Home Shield? These top-rated home warranty companies offer plans that protect major systems and appliances when they unexpectedly break down. In this article, the This Old House Reviews Team examines coverage plans, cost, customer reviews, and more so that you can decide which company best fits your home protection needs.

The Home Service Club vs. American Home Shield: Side-by-Side Overview

Provider The Home Service Club American Home Shield
Provider The Home Service Club American Home Shield
This Old House rating 9.15/10 9.5/10
Get a free quote Visit site Visit site
Coverage options Standard, Comprehensive, and optional add-ons Systems, Appliances, Combo, and optional add-ons
Monthly premiums $45.95–$60.95 per month $39.99–$57.99 per month
Service fee deductible $95 $75–$125
State availability 47 states (excluding Illinois, Iowa, and Wisconsin) 49 states (excluding Alaska)
BBB rating C B
Years in business 11 49

Pros and Cons of The Home Service Club

Pros Cons
Pros Cons
Covers 18 systems and appliances in the Standard Plan and 30 systems and appliances in the Comprehensive Plan Not available in Illinois, Iowa, and Wisconsin
Provides coverage on systems or appliances, regardless of age, make, or model Not accredited by the BBB
Offers 12 optional add-ons, which is more than what other home warranty companies offer

The Home Service Club offers two coverage plans that protect a variety of home systems and appliances. This provider also offers 12 optional add-ons that allows customers to further customize coverage.

Get a free quote from The Home Service Club by calling 800-842-9334 or by filling out this easy form.

Pros and Cons of American Home Shield

Pros Cons
Pros Cons
Has over 45 years of industry experience Offers only five optional add-ons
Offers coverage for damage due to rust and corrosion Customers can’t choose their own technician
Available in 49 states

American Home Shield has been in the home warranty industry since 1971 and has a contractor network of over 16,000 independent professionals. Because of how popular American Home Shield is, nearly one out of every two home warranty customers purchases their home warranty from the company.

To get $50 off of a new plan, call 844-529-9298 or submit this form.

The Home Service Club vs. American Home Shield Coverage

The Home Service Club offers two plans and optional add-ons, while American Home Shield offers three plans along with extra coverage options. Keep reading to compare coverage details between the two providers.

The Home Service Club Coverage

The Home Service Club offers two coverage plans: a Standard Plan and Comprehensive Plan. The Standard Plan covers 18 home appliances and systems, and the Comprehensive Plan covers 30 home appliances and systems.

Here are the items covered in each Home Service Club plans:

Plans

Plans Standard Coverage Comprehensive Coverage
Plans 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)
Dishwashers
Refrigerators
Ovens, ranges, and cooktops
Trash compactors
Food centers (built-in)
Clothes washer/clothes dryer
Freestanding ice makers
Ductwork
Gas leaks
Sump pump
Whole house exhaust and attic fans
Instant hot/cold water dispenser
Pest control
Telephone wiring
Alarm warning
Smoke detectors
Doorbells
Whirlpool motor and pump assemblies
Plumbing stoppage coverage

The Home Service Club also offers 12 optional add-ons:

  • Jetted bathtub
  • Well pump
  • Roof coverage
  • Sewage ejector pump
  • Pool or spa
  • Water softener
  • Freestanding freezer
  • Spa and spa heater
  • Sprinkler system
  • Freestanding additional refrigerator
  • Refrigerator built-in units with dual compressors
  • Utility line coverage

American Home Shield Coverage

American Home Shield offers three plans: ShieldSilver™, ShieldGold™, and ShieldPlatinum. ShieldPlatinum combines ShieldSilver and ShieldGold and adds extra perks like coverage boosts and roof leak coverage.

Here’s what each American Home Shield plan covers:

Plans

Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Systems and Appliances ShieldSilver™ ShieldGold™ ShieldPlatinum™
Air Conditioning
Heating System
Ductwork
Electrical
Doorbells
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Refrigerators
Ranges, Ovens, and Cooktops
Clothes Washer
Clothes Dryers
Dishwashers
Built-In Microwave
Trash Compactors
Freestanding Ice Maker
Garage Door Opener
Built-In Food Centers
Coverage Boost
Roof Leak Coverage

American Home Shield offers these five add-ons to customers:

  • Septic pump
  • Pool and spa
  • Well pump
  • Electronic extended warranty
  • Guest units up to 750 square feet

The Home Service Club vs. American Home Shield Cost

Based on the quotes our Reviews Team received, monthly premiums from The Home Service Club are roughly the same as premiums from American Home Shield. Note: The Home Service Club doesn’t offer flexibility with its service fee, but American Home Shield allows you to choose a service fee between $75–$125—the amount you choose impacts your monthly premium.

Home Warranty Cost Comparison

Company The Home Service Club American Home Shield
Company The Home Service Club American Home Shield
Monthly Premium Cost $45.95–$60.95 per month $39.99–$57.99 per month
Service Fee Deductible $95 $75–$125

The Home Service Club vs. American Home Shield Reviews

The Home Service Club is not accredited by the Better Business Bureau (BBB) and received a lower rating than American Home Shield from the organization. However, The Home Service Club reviews have been more positive, on average, than American Home Shield reviews.

Home Warranty Customer Reviews Comparison

Provider The Home Service Club American Home Shield
Provider The Home Service Club American Home Shield
BBB rating C B
BBB accreditation No Yes
Average BBB customer review rating (out of 5 stars) 4.5 stars 2.5 stars
Number of customer reviews on BBB webpage 1,483 reviews 6,198 reviews

Our Conclusion

American Home Shield and The Home Service Club both offer home warranty plans with unique strengths. American Home Shield offers coverage for damage due to rust or corrosion, while The Home Service Club covers more items in its plans and offers more optional add-ons.

Because of its reputation as an industry leader, comprehensive plan options, and flexible service fees, we recommend American Home Shield over The Home Service Club for most homeowners. That being said, The Home Service Club is still a strong choice and should be considered by homeowners who need protection for specific add-ons.

Before buying a home warranty, we recommend getting a free quote from The Home Service Club and American Home Shield in the panel above. You can also learn more about both of these companies by reading our The Home Service Club review and our American Home Shield review.

Compare Top-Rated Home Warranty Providers

Excellent alternatives to American Home Shield and The Home Service Club are Choice Home Warranty, First American Home Warranty, and Select Home Warranty. Compare these companies below:

Top-Rated Alternatives

Provider Choice Home Warranty First American Home Warranty Select Home Warranty
Provider Choice Home Warranty First American Home Warranty Select Home Warranty
Get a free quote Visit site Visit site Visit site
Best for Service Value Lowest deductibles
This Old House rating 9.1/10 8.3/10 8.9/10
Coverage plans 2 + optional add-ons 2 + optional add-ons 3 + optional add-ons
Monthly cost $36–$44 $36–$38 $36–$38
Service fee $60–$85 $75 $60–$75
BBB rating B B B
Years in business 11 years 35 years 8 years
States covered 48 states (excludes California and Washington) 34 states (Not including AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, WI) 46 states (excludes Nevada, New York, Washington, and Wisconsin)

Frequently Asked Questions About Home Warranties

Is a home warranty worth it?

A home warranty, also known as a home service contract, protects your home systems and appliances from expensive repairs caused by normal wear and tear. Homeowners who have a home warranty pay a relatively low premium that costs about $25 to $60 per month. Whenever service is needed, they pay a deductible between $75–$125. Without a home warranty, common repairs and replacements could cost thousands of dollars out of pocket.

Do home warranties cover pools and spas?

Most home warranty companies offer coverage for pools and spas as an optional add-on, which can be purchased separately from the company’s pre-packaged plans.

Is there a waiting period on a home warranty?

After a home warranty plan is purchased, most home warranty companies have a waiting period before a homeowner can submit their first claim. American Home Shield and The Home Service Club have a waiting period of 30 days.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.