The Home Service Club Review: Can They Fix Your Problems?

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Screwdriver: The Home Service Club ReviewsDoes a home warranty seem like a scam to you? Many people associate a home warranty with paying a monthly premium and then when an appliance breaks, the technician comes and “fixes” it. Then, a week later it’s broken again. Not all home warranties are like this.

The Home Service Club (HSC) was previously in our top three for Best Home Warranty and had one of the best reputations in the warranty business. But what happened that made us remove the company from our top three? Learn more about this company’s pros and cons in The Home Service Club Reviews.

The Home Service Club logoVisit HSC WebsiteCall: 800-823-6009

Article Overview

The Home Service Club

3.9 / 5
The Home Service Club
Customer Service & Reputation 2.3
Pricing 4.0
Appliances Covered 5.0
Technicians' Work 3.5
Available In All 50 States 4.9


  • Repairs and replacements occur quickly
  • Covers the appliance/system regardless of age, make or model
  • Offers service in 49 out of 50 states


  • Does not offer service in California and limited service in Alaska
  • BBB rating: C
  • Many customer service complaints

Key Features

  • No home inspection is needed prior to purchase
  • Work guarantee: 30 days for labor and 90 days for parts
  • Covers repairs and replacements of covered items regardless of age, make or model
  • 1 year service contracts that can be renewed annually

Plans & Pricing

HSC Warranty has three service call fee options available for you to choose from: $65, $95 and $125. Service call fees are similar to deductibles so it’s the amount of money you pay out-of-pocket for a service call. (Please know that fees may change or there may be additional fees, so be sure to read your contract carefully.)

A higher service call fee means a lower monthly premium. The monthly premium varies depending on where you live and other considerations. In summary, you have two choices to make 1) choose a service call fee amount and 2) choose between the Basic, Standard and Comprehensive plans.

Included in all 3 plans:

  • Unknown & Undetectable Pre-Existing Conditions
  • Misuse
  • Rust & Corrosion
  • Lack of Routine Care and Maintenance
  • Improper Installation
  • Refrigerant Recapture Reclaim & Disposal
  • Code Violation Fees
  • Permit Fees
 Basic CoverageStandard CoverageComprehensive Coverage
Air ConditioningCheckmarkCheckmarkCheckmark
Heating SystemsCheckmarkCheckmarkCheckmark
Electrical SystemsCheckmarkCheckmarkCheckmark
Water HeaterCheckmarkCheckmarkCheckmark
Plumbing SystemsCheckmarkCheckmarkCheckmark
Garage Door OpenerCheckmarkCheckmark
Ceiling FansCheckmarkCheckmark
Central Vacuum(s)CheckmarkCheckmark
Garbage DisposalCheckmarkCheckmark
Plumbing Stoppage CoverageCheckmarkCheckmark
Sprinkler System/Home Irrigation System Line CoverageCheckmark
Water LeaksCheckmark
Gas LeaksCheckmark
Pest ControlCheckmark
Whirlpool Motor & Pump AssembliesCheckmark
Alarm WiringCheckmark
Telephone WiringCheckmark
Smoke DetectorsCheckmark
Whole House, Exhaust & Attic FansCheckmark
Sump PumpCheckmark
Recirculating Hot Water PumpCheckmark
Instant Hot and Cold Water DispenserCheckmark
Ovens, Ranges, CooktopsCheckmarkCheckmark
Clothes WasherCheckmarkCheckmark
Clothes DryerCheckmarkCheckmark
Freestanding IcemakersCheckmarkCheckmark
Microwave Oven Built-InCheckmarkCheckmark
Trash CompactorCheckmarkCheckmark
Food Centers Built-InCheckmarkCheckmark
Roof CoverageOptionalOptionalOptional
Spa and Spa HeaterOptionalOptionalOptional
Jetted BathtubOptionalOptionalOptional
Well PumpOptionalOptionalOptional
Sprinkler System/Home Irrigation System Line CoverageOptionalOptionalOptional
Refrigerators Built-In Units with Dual CompressorsOptionalOptionalOptional
Freestanding Additional RefrigeratorOptionalOptionalOptional
Freestanding FreezerOptionalOptionalOptional
Water SoftenerOptionalOptionalOptional
Sewage Ejector PumpOptionalOptionalOptional
Utility & Home Service Line Coverage Package*OptionalOptionalOptional

*Utility & Home Service Line Coverage includes:

  • Outside Water Line Coverage
  • Outside Gas Line Coverage
  • Outside Power/Electric Line
  • Outside Sewer Line Coverage
  • Grinder Pump System
  • Sprinkler System/Home Irrigation System Line Coverage


Use this link to get the best deal we can offer from Home Service Club.

Customer Reviews

Finding customer reviews for HSC Warranty was fairly easy – both positive and negative. The abundance of negative reviews (including a very low BBB rating) is new.

Positive Home Service Club Reviews

We received amazing help and care from Dan with our air conditioning. The AC kept turning off on its own but it was so intermittent that our maintenance company could not find anything wrong on two separate trips. The company that was sent to us by HSC was able to figure it out right away. All-Pro Mechanical was absolutely amazing and knowledgeable. Dan stayed extra late so that he can wait for the technician and get the situation resolved. It was a big job and the knowledge and advice we got from both HSC and All-Pro was very helpful and very appreciated. We now own a brand new system and use them as our new maintenance company as well. – Roger, Consumer Affairs 7/7/2015

I am very happy with this service. The home service club has really good customer service. I was concerned with the fact that they are not locally based and thought this would affect their ability to arrange for professional technicians. I am very happy that this was not the case, though I have only used them once so far. The customer service is great, and I’m recommending to neighbors and friends. – Stan G., BBB 8/19/2015

Negative Home Service Club Reviews

This is probably the worst home warranty I’ve ever had. Don’t be enticed by the low monthly payment and 10-day wait period, it means NOTHING!! Go back to Old Republic! These people SCAM you! They pretty much want you to never use them and when you finally do file a claim, they do their absolute best to not fix it. They will call you and say it was a pre-existing condition and not cover you at all! God forbid something happens in the first month or two of coverage, ZERO chance you will be covered. Even the repairman told me to stay away from this company as in his 2 year experience (AC REPAIR), HSC only covered 1 person for half the amount and that’s because she was with them for several years. STAY AWAY!!! – Alex, Consumer Affairs 8/25/2015

When placing a service call this morning I found that I had no coverage. HSC was called out for one repair in a year. They placed some freon in my air conditioning unit and then quietly stopped charging my card for the monthly premium. They claim that it was a one year contract and that I didn’t call to renew. I didn’t notice that the premium was no longer on my statement. Their contract states: (A renewal of a previously issued contract will have no lapse in coverage provided required payment has been received by HSC prior to the expiration date of the previous contract.) What company doesn’t send a renewal notice by email, mail, or a phone call? It’s now 93 degrees in my home and I have no warranty on any of my appliances or systems. I believe that their service man found a problem and rather than fix it HSC told him to put a band-aid on it… then they dropped me without a word. – Mary W., BBB 8/4/2015

Home Warranty vs Home Insurance

A home warranty and homeowner’s insurance policy are not the same thing. Watch this short video below to learn the difference.

Appliances Aren’t Cheap

Purchasing a new central air conditioner from Lowes can cost more than $4,000 and that does not even include delivery or installation! Summers and winters are getting more intense putting added stress on your heating and cooling systems. By purchasing a home warranty plan you are protecting yourself from those huge purchases or repairs that come at the most inconvenient times.

Not Sold On HSC?

Visit HSC WebsiteCall: 800-823-6009

If you still have doubts about The Home Service Club, we suggest comparing it to its competitors in our Best Home Warranty Comparison article. We’ve chosen a top 3 and reviewed more than 15 home warranty companies total.

Are you leaning towards a home warranty or thinking you’ll cover the repairs and expenses yourself?

About The Author:

Kimberly is our home security expert, and has been researching and writing about security and safety since 2013, covering everything from security systems and home automation to identity theft protection, home warranties, medical alert systems and more. She has personally tested hundreds of system components and interfaced with dozens of home security companies to find out what's happening behind the scenes.

In 2018, she had her first child, and that opened up a whole new avenue of security experience with baby gear. She wanted to purchase the safest items for her family.

Kimberly received her Bachelor of Arts in multimedia journalism from Simpson College. Her natural curiosity helps her research as she seeks the truth when learning about, comparing and personally testing products and services.

Disclaimer: This website contains reviews, opinions and information regarding products and services manufactured or provided by third parties. We are not responsible in any way for such products and services, and nothing contained here should be construed as a guarantee of the functionality, utility, safety or reliability of any product or services reviewed or discussed. Please follow the directions provided by the manufacturer or service provider when using any product or service reviewed or discussed on this website.

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Syed A
Worst company I have ever dealt with. Shady business. Poor customer service. Bought my service from Aron and even spoke to claim supervisor Lori R multiple times. That too for a Faulty garage door opener. They initially told me to go ahead and have it fixed and they will reimburse it. 3 months later I find out that they will not.
Derek P
This is the MOST CORRUPT, ILLEGAL AND DESPICABLE company I have EVER dealt with. Before I start, I will say that the majority of positive reviews here are COMPLETELY, AND BLATANTLY FAKE, phony, and shill! BEWARE, I mean BEWARE of this scam company. I have a FULL ON INVESTIGATION of this company in the works as I am typing this. They also have FAKE AWARDS they claim to of received. Again, this company is PHONY. I have a FULL OUT INVESTIGATION on them right now as I am typing this. I purchased a warranty 3 months ago from someone named AARON Wilson who NEVER sent me my paperwork or receipt, the same as other reviewers have said. I had to hunt him down to get my receipt and confirmation of my home warranty which was an immediate red flag but I chalked it up to him being busy.

Move on, not even 3 months later our heat goes out with a newborn at home and nobody is there after 5 pm to take calls after 5 pm EST so you are forced to try to submit a claim online. I won’t even go into the details of how difficult it was to get a claim submitted online but I got the claim submitted, got confirmation of the claim and was told I’d get an email or call back “shortly”. FOUR DAYS LATER, no call, no email, no NOTHING!

I can write a book on how disgusting this company is but to make it concise, it took me nearly a week to get them to send THEIR COMPANY “I.M AIR CONDITIONING” out to our home and THEIR COMPANY THEY SENT said we need a new circuit board and heater ignition control. Total cost was just over $700 and my contract showed these were included, not EXCLUDED PARTS so I expected a quick fix. That is where it went from terrible to horrendous!

HSC WARRANTY then sends my claim to someone named JAY SANTIAGO AT 1-800-601-1009 x5027 who CLAIMS is an HVAC supervisor. After a week of hunting him down, leaving messages and getting no response, he finally calls me back and tells me he disagrees with the technician SCV warranty sent and that he is deeming my issue pre-existing and denying the claim!!! We used our heat for nearly 2 years without issue, including two consecutive months before the heat went out this year and HSC warranty sent out their own technician who deemed the issue not pre-existing and which I have written confirmation of! I also have written confirmation of the parts needed to get our heat working and which Jay Santiago at declined illegally!

Something else to mention and in which I have proof of as I set them up on video recording. When you leave a message for ANYONE, nobody and I mean NOBODY will call you back. However, if you request a call, they must have some legal reason to call you back because each time I requested a callback to my phone number, someone eventually called back and IMMEDIATELY HUNG UP. This was no coincidence as I have VIDEO PROOF of attempting to answer the calls over a three day period and over 20 DIFFERENT CALL BACKS! This company is COMPLETELY PHONY in EVERY WAY.

If this isn’t atrocious enough, this scumbag, Jay Santiago then says he will sell me an entirely new heating unit for 11 thousand dollars! I don’t think I have ever written a negative review in my life but this is the worst company on the planet! HSC Warranty should be immediately shut down. I am contacting the attorney general and in the process of filing a law suit against this company. I have never filed a lawsuit in my life either, but this company should be immediately, and I mean immediately shut down. 2 weeks without heat with a newborn and negating their own technician for a measly $700 for warranted parts and service by their own contract!!!! And on top, to negate the claim from someone who has never seen my heating unit and deem it pre-existing when this Jay Santiago lives across country in another state!!!

In addition, I made sure to get sent the original technician’s diagnosis of what I need (and what my contract legally covers) and in where NOWHERE was denied by the actual TECHNICAN who viewed my heating unit in person and who also, in NO WAY SHAPE OR FORM deemed the issue even REMOTELY pre-existing! I am attaching the diagnosis report here. I am currently in contact with the attorney general, I am filing an individual lawsuit as well as working with other people who were completely ripped off by this SHAM company and I will make sure this company gets what is coming to them. If you read my review and continue to purchase a home warranty plan, you get what you fully deserve. Last but not least, Aaron Wilson the guy that sold me the warranty is a complete scumbag as well. He answered every single call while working out the details of the home warranty contract I was about to sign, but when I needed help, crickets, he was nowhere to be found, didn’t return calls, had to be hunted down as well. Pathetic, disgusting company overall, and they need to be shut down IMMEDIATELY

Anthony Cramer
When I would shower, the hot water was only lasting 5 minutes. I need more time than that! Thankfully I have a policy with the Home Service Club. I made the call and explained the problem. They sent out a contractor and he discovered an issue with the hot water heater. He fixed it right then and there!
Daniela Gordon
STAY AWAY FROM THIS COMPANY!! I called them last week to find out about their services and signed up. I was told how much my credit card would be charged as “twenty two fifty”. A normal person would interpret that as $22.50, the guy never told me “two THOUSAND fifty dollars”, because these people are scammers and I would never have agreed to that. What warranty company doesn’t charge per month?? My credit card was charged THREE times $2250.00, $1999.00, and $999.00 just to see how much would go through.
kevin blakely
One of my tenants called to complain about the built in microwave. After going to the property to take a look at it myself, I went ahead and made the call to the Home Service Club. They sent out a contractor who assured me that he would have it fixed with the replacement parts he had in his truck. It was a quick fix!
Morgan Lowry
Okay, so, we bought their standard coverage package a couple of years ago. It paid for itself very quickly. They have always helped us when we have needed to use the coverage. This year we upgraded to their comprehensive package as we have a whole family to think about. Everything gets wear and tear twice as fast when your home is busy so their comprehensive package is perfect.
Home Service Club has stellar customer service and responsive techs who get the job done. I’m a property manager and I always suggest my customers get a warranty to cover their household appliances. As a manager of 50+ properties, it sure makes it easy for me to work with a single vendor, rather than having to call around each time there’s a problem in one of my units. I like the ease and the great service.
Albert M.
We spend so much money every year insuring our home, but nobody thinks about all the valuables we depend on inside our home. So we got a policy with Home Service Club for every single appliance in our house. We feel we have the backing of a great company if we ever need to use it. So far, so good, but it’s nice to know we have protection in case we need it.
Dave Tay
You never know when your appliances are going to stop working and it’s so hard these days to get a repair company to come fix it. We end up spending so much time calling around trying to get on “the schedule” and having to wait 2 weeks. That’s why we decided to try Home Service Club as insurance for our major appliances – washer, dryer, furnace, fridge. We’ve only had to call once in the few years we had it but we were pleasantly surprised that a tech was able to make it out in just a few days. That’s a big difference from the old repair places we were trying. I recommend this company to friends whenever they have something that breaks!
I am so glad that I have a warranty with the Home Service Club. My gagrage door would not respond to the remote and open up. I called HSC and spoke to Steven. He arranged for service the next afternoon. Luckily, I was not parked in the garage. The repair man fixed and it works great. I will be renewing in Febuary.
Brian Slafter
I wasn’t sure I needed a warranty, but I was quickly proven wrong when the washer broke after we started a load. With a toddler in the house, this was devastating, but I had purchased a HSC warranty and they took care of it.
Shibli Nomani
My kitchen faucet was not working and I called HSC toll free number and placed a service request with in no time I received a call from their service contractor for scheduling the time to fix my faucet. He said my faucet hose need to be replaced. I was assuming it will take some more days and will be fixed in his next visit. But Thank God Contractor came with hose and fixed it right away. I am impressed with their service and highly recommend to my friends & relatives. They are quick, advanced and smart Save their time, money and customer’s too. Good job.Keep it up!
Karen Levin
I am very pleased with my HSC policy. When my AC was not cooling anymore, I called for help. HSC set up a service visit from a local contractor. They were able to add Freon and my AC was fine. HSC’s customer service was great. They handled my claim professionally and quickly.
Nadine Servus
I’ve been under contract with other home service companies and I felt they were just out to get my moeny. Their service wasn’t that good, it took repeated phone calls to get help. This was not the case with Home Service Club. I think i have called them only twice in 4 years since i started with them. Never a problem getting through and the reps are alwasy friendly. I am very satisified with their customer service and their responsiveness.
I am so happy I chose this company. Fortunately, I haven’t needed them often but on the one or two occasions where I needed help, they were there. Very professional, very knowledgeable and got the job done. I highly recommend.
On 5/14/18 I contacted this company to place a home service request as my dryer had stopped working. After a week of no contact from HSC, I made numerous follow-up calls regarding this matter. I was continuously informed that they were unable to locate a vendor in my area. I was given the alternative to pay for the services on my own, to which I would be reimbursed for 50% of my cost (a concept that made me wonder what it is that I’m paying for as my contract calls for a $125 service fee and 100% coverage thereafter). From 5/14/18-6/6/18, I had received one return call fromHSC on 5/23/18, and that was to provide me the name and number of the contractor who would work on my machine (which only occurred after I had informed them that paying for 50% of my repair was an unacceptable solution). When I reached out to that vendor, they promptly informed that they had informed HSC they were not willing to work with them the day that it was requested. As such, I don’t understand why I was informed they would be completing the service.
On 6/6/18 I sent an email to HSC letting them know that I was fed up with their lack of customer service, the numerous breaches of our service contract, and that I wanted to cancel my services (as I no longer wished to pay for a service that I was not receiving). On 6/14/18 I was contacted by an S. Meadows from HSC in regards to my email. During that conversation she apologized for the lack of service that I had received and offered to submit a reimbursement request of $529 for the dryer that I had purchased after waiting three weeks for repair assistance. During that call we also discussed my decision regarding cancelling my plan, to which she was informed (on phone and in writing) that I will make that determination upon the resolution of the current matter.
On 6/21/18 I was contacted by phone again by S. Meadows. During that call she informed me that my reimbursement was approved for $125, as they could only reimburse my trade service fee since they had not approved the dryer purchase. However, in order to receive my reimbursement, I would need to remain a current customer and complete my contract. I informed her that this was an unsatisfactory solution. My monthly cost for their service is approximately $45, meaning it would cost me $270 over the remainder of my contract to receive the $125 reimbursement. That call ended with her apologizing and stating it was the best she could do, and that she would put in a request for a supervisor to give me a call.

I do not expect a return call or any resolution of this matter. Having come to this company (due to their amazing sales force that convinced me they were better than where I was at), I would now literally recommend any company but this one.

I left another warranty company and joined HSC based on positive review but my experience has been only negative. I placed 2 service requests and it took three weeks before the repairman showed up because HSC messed up the service requests. I had to call multiple times to get this straightened out. When the repairmen finally showed up, they did zero repairs, and said they would need to replace everything (including simple leaky faucets) which they would report to HSC. Six weeks later after multiple calls asking on the status of the repair/replace and requests for callbacks which they wouldn’t do, I finally got a call from their customer service rep saying that my “contract” was not correct and they wanted more money from me in order to process the claim. When I signed up, I got the platinum coverage, so their demand for more money was very unprofessional. I cancelled at that point and plan to rejoin with the other warranty company. They had issues, but were a lot more professional and responsive than Home Service Club. Stay away from Home Service Club as these guys are unprofessional.
There’s a mistake in the article – the comparison between plans is actually comparing an AppleTV and a Roku, not Home Warranty plans.