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.


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:

Systems/AppliancesStandard CoverageComprehensive 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.


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:

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.

Link Star Rating BBB Rating Monthly Cost Service Fee
American Home Shield
B $40–$58 $75–$125
Liberty Home Guard
A- $40–$60 $65–$125
Select Home Warranty
B $36–$48 $60–$75
First American Home Warranty
B $36–$38 $75
Cinch Home Services
B $35–$62 $100–$150
A+ $38–$63 $65–$76
Priority Home Warranty
$44–$55 $70
AFC Home Club
B $38–$54 $75–$125
American Home Shield
Star Rating
BBB Rating B
Monthly Cost $40–$58
Service Fee $75–$125
Liberty Home Guard
Star Rating
BBB Rating A-
Monthly Cost $40–$60
Service Fee $65–$125
Select Home Warranty
Star Rating
BBB Rating B
Monthly Cost $36–$48
Service Fee $60–$75
First American Home Warranty
Star Rating
BBB Rating B
Monthly Cost $36–$38
Service Fee $75
Cinch Home Services
Star Rating
BBB Rating B
Monthly Cost $35–$62
Service Fee $100–$150
Star Rating
BBB Rating A+
Monthly Cost $38–$63
Service Fee $65–$76
Priority Home Warranty
Star Rating
BBB Rating
Monthly Cost $44–$55
Service Fee $70
AFC Home Club
Star Rating
BBB Rating B
Monthly Cost $38–$54
Service Fee $75–$125

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

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 is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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

The Home Service Club Review