The Home Service Club Review

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.

By This Old House Reviews Team 6/27/2023

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 3.8 out of 5 stars and named it the home warranty company with the ‘Quickest Coverage’ of 2023. 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:

Frequently Asked Questions

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.

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.