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 77 out of 100 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.
Best Home Warranty Companies of 2023
The home warranty companies with the best ratings include the following:
- Liberty Home Guard: Best Customer Ratings
- American Home Shield: Best Coverage Caps
- Select Home Warranty: Best Value
- America’s First Choice Home Club: Best for Customization
- First American Home Warranty: Best Appliance Coverage
- Cinch Home Services: Best Additional Perks
- 2-10 Home Buyers Warranty: Cheapest Appliance Plan
- ARW Home: Affordable Service Call Fees
Pros & Cons of The Home Service Club
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:
| 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) | ✓ | ✓ |
| Dishwashers | ✓ | ✓ |
| Refrigerators | ✓ | ✓ |
| Ovens, ranges, and cook-tops | ✓ | ✓ |
| 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 | – | ✓ |
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.
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 “Poor,” with a 2.5 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 have been trying to get a leaking toilet fixed for 2 1/2 months with this company. Started October 14. The first plumber just took my money, had the work approved, and never showed back up. So I’ve had to start with a second company. Who now a month later has still not even been out to diagnose the issue. If I have the claim reassigned again, it’s probably gonna take another month. Do not use this company.” —Jennifer B., 1 star, December 19, 2022
Here is feedback a This Old House reader shared about their experience:
“After spending a good week reviewing multiple home warranty plans with several companies and being lied to, I mentioned to the HSC Warranty sales rep that I was quite concerned with the dishonesty and wasting of my time with these other companies who are quick to make false promises to get a sale. The HSC Warranty sales rep assured me this would not be the case, but it actually was the case. I realized after reading the plan, he blatantly lied to me. I made several attempts to complain to his supervisor and the president of the company. Crickets.” —S. Lynch on 6/20/2022
Our Conclusion
Following our review of The Home Service Club, the This Old House Reviews Team gave the company a rating of 77 out 100. 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.
To learn more about other home warranty companies we recommend, read our in-depth company reviews:
- Liberty Home Guard Review
- American Home Shield Review
- Select Home Warranty Review
- First American Home Warranty Review
Frequently Asked Questions
Company Information
- Company name: The Home Service Club
- CEO: Sam Zakarin
- Address: 305 Broadway, 9th Floor
- City/State: New York, NY
- Zip code: 10007
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.