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

ProviderThe Home Service ClubAmerican Home Shield
This Old House rating9.15/109.5/10
Get a free quoteVisit siteVisit site
Coverage optionsStandard, Comprehensive, and optional add-onsSystems, 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 availability47 states (excluding Illinois, Iowa, and Wisconsin)49 states (excluding Alaska)
BBB ratingCB
Years in business1149


Pros and Cons of The Home Service Club

Covers 18 systems and appliances in the Standard Plan and 30 systems and appliances in the Comprehensive PlanNot available in Illinois, Iowa, and Wisconsin
Provides coverage on systems or appliances, regardless of age, make, or modelNot 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.


Pros and Cons of American Home Shield

Has over 45 years of industry experienceOffers only five optional add-ons
Offers coverage for damage due to rust and corrosionCustomers 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:

Home Service Club Plans

PlansStandard 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 cooktops
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

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:

AHS Plan Options

Systems and AppliancesShieldSilver™ShieldGold™ShieldPlatinum™
Air Conditioning
Heating System
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Ranges, Ovens, and Cooktops-
Clothes Washer-
Clothes Dryers-
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

CompanyThe Home Service ClubAmerican 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

ProviderThe Home Service ClubAmerican Home Shield
BBB ratingCB
BBB accreditationNoYes
Average BBB customer review rating (out of 5 stars)4.5 stars2.5 stars
Number of customer reviews on BBB webpage1,483 reviews6,198 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.


Frequently Asked Questions


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.  

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