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Home Service Club Review (2021) - Plans, Pricing, Coverage and More

Patrick Sather

In a Nutshell

Since 2008, The Home Service Club has offered home warranty services nationwide. Its coverage is among the most comprehensive in the industry, with its Comprehensive plan covering 33 appliances and systems. In addition to everyday wear and tear, it also covers pest damage. Service claims are scheduled within 12 to 48 hours, and come with a 90-day service guarantee. However, HSC charges high service fees and premiums compared to its competitors.

pros

  • Provides coverage for pest damage
  • Available nationwide
  • Offers optional utility line coverage

cons

  • High base premiums and service fees
  • No 24/7 phone support

Home Service Club Home Service Club Visit Site

HSC Plans and Coverage

With HSC, you can choose between two coverage plans. Its Standard plan covers 18 of your home’s basic appliances and systems. Pricing for the Standard plan starts at $54.16 per month or $650 per year. If you require full home coverage, HSC’s Comprehensive plan covers 33 systems and appliances. The price of the Comprehensive plan begins at $66.58 per month or $799 per year.

Covered Items

Standard
Comprehensive


Best basic appliances and systems coverage

Best for full home coverage

Refrigerators

Ovens, ranges, and cooktops

Dishwasher

Clothes washer and dryer

Freestanding icemakers

Built-in microwave

Trash compactor

Built-in food centers

Air conditioner

Heating systems

Electrical systems

Water heater

-

Plumbing systems

-

Garbage disposal

-

Garage door opener

-

Ceiling fans

-

Central vacuum

-

Plumbing stoppage

-

Ductwork

-

Gas leaks

-

Pest control

-

Whirlpool coverage

-

Alarm warning

-

Telephone wiring

-

Smoke detectors

-

Exhaust/attic fans

-

Sump pump

-

Doorbells

-

Hot water pump

-

Hot/cold water dispenser

-

Optional Add-Ons

HSC provides several features that you can add to any plan including:

  • Utility Line Package 
  • Pool
  • Sprinkler system
  • Roof coverage
  • Freestanding freezer
  • Spa
  • Refrigerators with built-in units with dual compressors
  • Sewage ejector pump
  • Water softener
  • Well pump
  • Jetted bathtub

The Utility Line Package adds coverage for your outside water/sewer/gas/electric lines, sprinkler system, and grinder pump. If you want to purchase optional coverage, HSC must receive any additional payments within 30 days of closing your home warranty or your most recent contract renewal date. 

Home service club quote page

Plan Exclusions

To qualify for a home warranty through HSC, you must live in a single family residence including a condo, townhouse, villa, mobile home, manufactured home, or multi-family property of 2 to 4 units. HSC does not cover commercial properties, group homes containing 5 or more unrelated individuals, or residences listed on a historical register. In addition, if your property is over 5,000 square feet, HSC may require you to pay an additional square footage plan and fee. 

The Standard and Comprehensive plans exclude certain components from coverage including:

  • Heating systems: outside or underground piping, well pump and pump components, storage tanks, portable heating units, humidifiers, fireplaces, chimneys, grain/pellet/wood units
  • Air conditioning systems: humidifiers, air cleaners, well pumps and components, cooling towers, water lines, window A/C units
  • Electrical systems: direct current wiring, light bulbs, circuit overload, A/V and intercom wiring
  • Microwave: removable accessories, latches/hinges
  • Refrigerator: wine chillers, multi-media centers
  • Clothes washer/dryer: latch assemblies, filter screens, damage to clothing

To get a full list of exclusions, read the sample contract available on HSC’s website or review your service agreement. 

HSC Plan Pricing

HSC lets you choose between two home warranty plans. While the Standard plan starts at $650 per year and the Comprehensive plan begins at $799 per year, cost varies depending on your location and available deals. For our review, we ran a quote for a single-family home under 5,000 square feet in Austin, Texas. Based upon this information, the Standard plan costs $48.50 per month or $552 per year. Meanwhile, the Comprehensive plan costs $59.08 per month or $679 per year. While HSC’s service fees start at $95, you may qualify for a fee between $65 and $125 depending on your deal. 

Expense Type

Cost

Standard plan

$48.50 per month or $552 per year

Comprehensive plan

$59.08 per month or $679 per year

Service fee

$65-$125

How to file a claim with HSC

To submit a service request with HSC, you can call customer service 9am-9pm ET, Monday-Friday. If you would like to submit your request outside normal business hours or do not wish to call, you may log into HSC’s online portal to file a claim 24/7. Within 12 to 48 hours, HSC will contact a service contractor to schedule an appointment at a mutually convenient time. If a repaired or replaced part fails during the recall period, HSC will arrange for necessary repairs without requiring you to pay an additional service fee. The recall period lasts 90 days on repaired parts, and 30 days on labor.

HSC limits payment to $6,000 for its Standard plan and $9,000 for its Comprehensive plan per twelve-month contract period. In addition, individual coverage limits apply to each appliance and system, with limits ranging from $500 to $2,000 per item per term. The one exception to the rule is the Utility Line Package, which provides up to $5,000 per term. For a full breakdown of limits, you can check HSC’s sample contract on its website or review your service agreement. 

Is HSC Legit? 

For 13 years, HSC has provided warranty coverage to homeowners nationwide. It offers industry standard features including a 90-day service guarantee and a full refund if you cancel your plan within 30 days. On Trustpilot, HSC earned a 4 out of 5 star rating on 486 reviews. Homewarrantyreviews.com presented HSC its “Best in Service” award in 2015, 2016, 2019, and 2020. The primary basis for the evaluation included customer retention, claim approval rates, use of technology, credibility, and customer service.

However, at this time, HSC is not accredited with the BBB. In addition, customers filed more than 541 complaints against HSC within the last 3 years. Most of these complaints concerned service delays, billing issues, or failure to cover certain repairs. 

What’s Unique About HSC?

Unlike many of its competitors, HSC covers pest damage under its Comprehensive plan. In addition, HSC provides several unique optional coverage features, including its Utility Line Package and coverage for a sprinkler system. 

HSC also offers several promotions for new customers. If you apply now and pay your full annual premium upfront, you can qualify for more than $75 off your yearly premium and a free month of coverage. You can negotiate for other deals, including lower service fees for a higher premium, or to have your coverage start sooner than the 30-day standard introductory period. To see what offers are available, simply call customer service during normal business hours or request a quote online. 

Help and Support

If you need help submitting a claim, have questions about coverage, or would like a quote, customer service is available over the phone 9am-9pm ET, Monday-Friday. In the event that you are unable to call, you can submit inquiries via email to info@hscwarranty.com.

Inside HSC’s only portal, you can manage your account 24/7, including:

  • Submit a claim
  • Track your service requests
  • Update your payment information
  • Renew your warranty for another term

HSC’s website features FAQs and blog posts to help you answer general home warranty questions. The FAQs answer questions about what your warranty covers and how to manage your plan, while the blog posts focus on home maintenance tips and tricks.

What about the HSC app?

Currently, HSC does not have a mobile app.

How to Get Started with HSC

To get started with HSC, you must either live in your home or be in the process of purchasing a property. HSC does not require you to get a home inspection, but reserves the right to request an inspection in certain circumstances.T o receive a quote online, you will need to provide your name, email, phone number, address, and residence type. If you call over the phone, you can qualify for a quote with only your name, zip code, and residence type. Offers differ whether you call customer service or apply online, so you may want to try both to find the best deal. Once you submit your application and pay all applicable fees, your coverage begins within 30 days. 

In the event you wish to cancel your service, HSC provides a full refund if you cancel within 30 days of your contract start date. If you cancel after the 30-day introductory period, you can still receive a prorated refund. All cancellation requests incur a $45 processing fee. 

How HSC Compares to Other Home Warranty Services

Details

Global Home Protection

American Home Shield

Puls Home Services

Average annual premium

$330-$600

$420-$780

$79-$249

Contractors

In-network only (number unspecified)

17,000 in-network

5,000 in-network

Service call fee

$45-$100

$75-$125

N/A

Service requests

24/7 online and phone

24/7 online and phone

24/7 online and phone

HSC vs. Global Home Protection

Compared to Global Home Protection, HSC’s premium for basic coverage is more expensive. In addition, its $65-$125 service fee could cost you more than Global’s $45-$100 fee. If you want to save money on your premium and fees, Global is the better choice. However, if you want access to a larger confirmed network of contractors, HSC is the right option for you. 

HSC vs. American Home Shield

When compared to American Home Shield, HSC charades a similar amount for full-home coverage. However, American Home Shield could be the better option if you opt for less coverage. On the other hand, HSC may save you money in service fees, as its fees on the low end are cheaper than those charged at American Home Shield. 

Home Service Club Home Service Club Visit Site

HSC vs. Puls Home Services

Given its home warranty model, Puls Home Services charges cheaper premiums than HSC. If you want to save money on premiums and service fees, then Puls is the right company for you. That said, if you want access to a larger number of in-network contractors, you would be better off choosing HSC. 

The Bottom Line

The Home Service Club is suitable for homeowners who want to get the most coverage possible out of their home warranty. While its premiums and service fees are higher than those of several competitors, it offers promotions that make its plans more affordable. Unlike many others, HSC provides pest coverage and unique features like utility line coverage. Support is available 24/7 online, and HSC schedules service requests within 12 to 48 hours of you submitting your claim.

Frequently Asked Questions
Is Home Service Club any good?
-
+
HSC receives mixed reviews depending on the review site.
Does HSC Home Warranty cover pre-existing conditions?
-
+
No, HSC does not cover pre-existing conditions.
When does Home Service Club coverage begin?
-
+
Your coverage begins 30 days after you pay all relevant fees and close on your home warranty purchase.
How do I cancel Home Service Club home warranty?
-
+
To cancel, you must contact customer service over the phone during normal business hours. If you cancel within 30 days of closing or your most recent renewal date, you qualify for a full refund minus a $45 processing fee. Otherwise, you will receive a prorated refund based on the amount of coverage used during your contract period.
Is a home inspection required before coverage begins?
-
+
No, a home inspection is not required. However, HSC reserves the right to require a home inspection if a home is purchased through a “short sale” or foreclosure, or if a home is sold within 12 months of purchasing an HSC service contract.
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.

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