Home Service Club Review

Top10.com Staff

In a Nutshell

The Home Service Club (HSC) may have only been incorporated as a company in 2011, having started as a business in 2008, but it has already gained the renown of a much larger and longer-established player in the home warranties industry. HSC serves homeowners across 49 states with 2 packages, both of which cover services and appliances, as well as a nice slate of add-ons that leave room for customization based on each homeowner’s needs.

pros

  • File claims 24/7 online
  • 90-day guarantee on all repairs
  • Plans include lots of flexibility

cons

  • No pricing on website, must request a quote
  • Out-of-network contractors accepted on a case-by-case basis

Home Service Club Home Service Club Visit Site

Home Service Club at a Glance

Annual Premium: By quote only

Plan Types: Standard, Comprehensive, Utility & Service Line

States: Available in 49 states 

HVAC: Yes

Contractors: In-Network and Out-of-Network

Home Inspection Required: No

Claims Service Fee: $65, $95 or $125

24/7 Claims Department: Yes

Workmanship Guarantee: 90 Days 

Coverage

Describe the general quality of the coverage, including its limitations, how many total appliances and systems are covered, if there are appliance or system benefit limits, and how much they are. The specific breakdown of which items are covered is in the next section. 

There are two general levels of cover at HSC Warranty - 'standard' and 'comprehensive'. Unlike home warranty plans offered by other companies, both of HSC’s packages include service and appliance coverage, with the comprehensive plan adding on more advanced home components.  

The standard plan provides coverage at a level that will more than suffice for many US householders, with 18 of the most obvious and important systems and appliances - such as clothes dryers, clothes washers, dishwashers, refrigerators, air conditioning, central vacuums, electrical systems and heating systems - being protected.

If you choose the 33-point 'comprehensive' package, meanwhile, not only will you get protection for everything covered by the 'standard' plan, but you can also cover the likes of alarm wiring, doorbells, ductwork, gas leaks, smoke detectors, sub pumps and water leaks. Even whirlpool motor and pump assemblies and instant hot and cold water dispensers are covered when you opt for this plan.

However, HSC Warranty also offers a lot of flexibility in what you choose to protect. Perhaps you have additional clothes dryers, clothes washers or dishwashers that you would like to safeguard? What about coverage for any freestanding freezers, freestanding icemakers, jetted bathtubs, water softeners or sewage ejector pumps? Yes, that's right - all of these can be catered for by what the company calls 'Optional Coverage Add-Ons'.

Additionally, HSC offers a separate 6-part utility line package that covers areas outside of the house including outside water lines, sewer lines, gas lines, and electric lines, as well as the sprinkler system and grinder pump.

What Appliances and Systems Does Home Service Club Cover?

ITEM
STANDARD
COMPREHENSIVE
Heating
Electrical
Plumbing
Microwave
Dishwasher
Garage door opener
Refrigerator
Air Conditioning
Clothes dryer
Clothes washer
Oven ranges and cooktops

Freestanding ice makers

Built-in microwave oven

Trash compactor

Built-in food centers

Garbage disposal

Water heater


Ceiling fans

Central vacuum

Plumbing stoppage

Ductwork 

Gas leaks

Pest control

Whirlpool

Alarm warning

Telephone wiring

Smoke detectors

Exhaust/attic fans

Sump pump

Doorbells

Hot water pump

Hot/cold water dispenser

Pricing and Onboarding Deals

HSC does not list packaging prices on its website, though there is an easy request form online where you can enter your information and receive a quote based on your location and the details of your home. 

A home warranty plan from HSC Warranty takes the form of a 1-year service contract and is renewable every year. There are 3 trade service call fees to choose from, depending on what you need from your plan in the context of your home and budget: $65, $95 or $125.

Contractors and Service

HSC has more than 15,000 prescreened contractors in its nationwide network. You can file a claim 24/7 by phone or through an online portal. Each contract comes with the option of a $65, $95, or $125 service fee. All repairs through HSC come with a 90-day workmanship guarantee. 

Customers can also request out-of-network contractors, though the company permits them on a case-by-case basis and requires proof that they’re a licensed contractor in their trade and in your state and that they offer sufficient worker’s compensation, general liability, and automotive liability insurance.

How Does Home Service Club Compare?


Home Service Club
Select Home Warranty
Choice Home Warranty
Annual Premium
By quote only
$379
$485
Number of contractors
15,000+
10,000+
Wide network
Home Inspection Required
N
N
Y
24/7 Claims
Y
Y
N
Workmanship Guarantee
90 days
N/A
90 for parts, 30 for labor

What Do People Say About Home Service Club?

“If Home Service Club is not the best home care service provider, then I don't know who is. I am a satisfied client for a year now! I am a witness to their amazing service. They did a really great job of installing my replacement sprinkler system out in the garden. They worked quietly and efficiently. I'm really a huge fan of everything that they do.”

- Hallam D. (PA, United States)

“I really appreciate Home Service Club because they really take the time to respond quickly to the queries of all of their clients. They are very considerate when it comes to urgent emergencies. My refrigerator was freezing everything inside it but they got to remedy it somehow. If they weren't in my life, it would be a complete and utter mess.”

- Parker R. (IN, United States)

Home Service Club Home Service Club Visit Site

Bottom Line

Home Service Club offers attractive home warranty packages that cover all the essentials as well as a few bonus components you’re not likely to find in other plans. It’s unfortunate that you have to request a quote to get an idea of pricing, but the available add-ons and custom tweaks do add more flexibility and make it understandable that each plan will be different based on the company’s needs. The lack of transparent pricing aside, HSC offers impressive packages, reliable claims and customer support services, and customization options that make it worth considering.

About Home Service Club 

HSC Warranty is based in New York and has gained a reputation for innovation, with wide-ranging and flexible home warranty plans. A sign of the high regard in which HSC Warranty is held is the A- score it earned from the Better Business Bureau (BBB).

The company has a network of independent home service contractors who have been carefully screened, with their performance being monitored on various criteria to ensure the utmost customer peace of mind.

Frequently Asked Questions
Is Home Service Club any good?
-
+
Home Service Club offers a comprehensive list of appliances and systems covered, making it a competitive provider that can stand alongside many others in the industry. Additionally, it boasts a large network of contractors and specialized plans for landlords and other types of clients.
Is Home Service Club worth it for HVAC?
-
+
Both of Home Service Club's extensive warranty plans feature coverage for HVAC including air conditioning systems, heating, and ductwork.
How do I cancel Home Service Club home warranty?
-
+
You can cancel your warranty by reaching out to the provider before renewing your annual plan. Additionally, if you're selling your home, Home Service Club has options for transfering your plan to the new owner.
Top10.com's editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.

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25 Jan 2021

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