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

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 Review

The Home Service Club Review
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


Home Service Club occasionally has seasonal discounts, visit our dedicated HSC coupon page to discuss current offers.

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.

How much did the last appliance you purchased cost? How about your last appliance repair?

Kimberly researches everything before she buys. She wants to make sure she is getting the best bang for her buck by purchasing the best product/service, which is why she loves her work. She has a degree in Multimedia Journalism and has been researching and writing professionally since 2013 to help consumers make more educated decisions.

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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.