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Does a home warranty seem like a scam to you? Many people associate a home warranty with paying a monthly premium, then when an appliance breaks, the technician comes and “fixes” it. Then, a week later it’s broken again and the cycle repeats.
Not all home warranty companies are like this, however. Some actually do what they say they’ll do. Find out if you can count on The Home Service Club (HSC) as your home warranty company.
Product Name: The Home Service Club
Product Description: The Home Service Club has been offering home warranty coverage for more than a decade. No home inspection is needed prior to purchase and they offer a 30 day labor/ 90 days for parts work guarantee. They also claim to cover repairs and replacements of covered items regardless of age, make or model.
Summary
The Home Service Club is available in all states except California, and they’ve been in business for over a decade. The positives we hear about this company are that repairs and replacements occur quickly, which is rare for the industry. They will also cover an appliance or system regardless or age, make or model. Their low BBB rating (C) is concerning, as are the plethora of existing customer complaints.
Overall Score
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Customer Service
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Coverage
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Work Quality
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Overall Value
Pros
- Repairs and replacements occur quickly
- Covers the appliance/system regardless of age, make or model
- Offers service in 49 out of 50 states
Cons
- Does not offer service in California and limited service in Alaska
- BBB rating: C
- Many customer service complaints
Consumer Reviews
This is the aggregate score of reader reviews we’ve received. Have a good or bad experience with The Home Service Club? Feel free to leave your own review in the comments. Please note that only ratings with valid review content will be published and counted.
5 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
- Offers coverage in 49 states (not California, and limited services in Alaska)
Plans & Pricing
The Home Service Club 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:
- Choose a service call fee amount and
- Choose between the Standard and Comprehensive plans.
| Standard Coverage | Comprehensive Coverage | |
|---|---|---|
| Refrigerators |  | |
| Ovens, Ranges, Cooktops | | |
| Dishwasher | | |
| Clothes Washer | | |
| Clothes Dryer | | |
| Freestanding Icemakers | | |
| Microwave Oven Built-In | | |
| Trash Compactor | | |
| Food Centers Built-In | | |
| Air Conditioning | | |
| Heating Systems | | |
| Electrical Systems | | |
| Water Heater | | |
| Plumbing Systems | | |
| Garbage Disposal | | |
| Garage Door Opener | | |
| Ceiling Fans | | |
| Central Vacuum | | |
| Plumbing Stoppage | | |
| Ductwork | | |
| Pest Control | | |
| Gas Leaks | | |
| Whirlpool Coverage | | |
| Alarm Wiring | | |
| Telephone Wiring | | |
| Smoke Detectors | | |
| Exhaust/Attic Fans | | |
| Sump Pump | | |
| Doorbells | | |
| Hot Water Pump | | |
| Hot/Cold Water Dispenser | | |
| Pool Coverage | Optional | Optional |
| Sprinkler System | Optional | Optional |
| Roof Coverage | Optional | Optional |
| Freestanding Freezer | Optional | Optional |
| Spa | Optional | Optional |
| Refrigerators Built-In Units with Dual Compressors | Optional | Optional |
| Sewage Ejector Pump | Optional | Optional |
| Water Softener | Optional | Optional |
| Well Pump | Optional | Optional |
| Jetted Bathtub | Optional | Optional |
| Utility Line Coverage Package* | Optional | Optional |
*Utility Line Coverage includes:
- Outside Water Line
- Outside Gas Line
- OutsideElectric Line
- Outside Sewer Line
- Grinder Pump
- Sprinkler System
Customer Feedback
Finding customer reviews for HSC was fairly easy – both positive and negative. The increase in negative reviews (including a very low BBB rating) appears to have gotten worse in recent years.
Praise
Because of their amazing and unique service, I have decided to renew my plan with them. I definitely love Home Service Club. They saved my water heater during this pandemic. Sure, it took a while for the tech to come in, but I am impressed they still pulled through with their contract no matter what the global crisis there is!
Paul, BBB 4/30/2020
They have not failed me so far and odds are, they probably won’t no matter what! My washing machine was spewing water all over the place when I came back home from a 2-week trip. I just didn’t have the mental capacity to deal with that yet so I called up HSC and the repairman even helped me clean up the mess. All part of the job he said!
Alex, Consumer Affairs 3/24/2020
Complaints
this company is absolutely horrible to deal with.. this is the second time I’ve had an issue with one of my home appliances, and they have not been there to help.. this last time I came home to a smoke filled house with water on the floor from the water heater.. I called them numerous times. Was on hold for hours, and the only thing I received was a promise of a call back.. it’s been 4 days now.. I just went out and purchased a new water heater and had my neighbor ( the plumber ) install it. This company is supposed to be a home warranty company! What they actually are is CROOKS!
William L., BBB 4/16/2020
Had outside electrical boxes crash. GFI was not the issue. Called The Home Service Club and was told that there’s a wait due to COVID-19. Did not have a problem with that and let them know. A week later they called and said they were still not able to fulfill. If I knew an electrician, have them call THSC. I understood. Today they call and tell me anything outside is not covered. Why not tell me to begin with? I’m annoyed and frustrated.
Carl, Consumer Affairs 5/6/2020
Home Warranty vs Home Insurance (Video)
A home warranty and homeowners insurance policy are not the same thing. Watch this short video below to learn the difference.
How Much Do Appliance Repairs Typically Cost?
Purchasing a new central air conditioner from Lowe’s 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 (vs fixing your own appliances) you are protecting yourself from those huge purchases or repairs that come at the most inconvenient times.
The question is – how much of your time will it take to get the repair done, and at what point will a home warranty company (if ever) actually replace your broken appliance or system?
Not Sold On HSC Warranty?
If you still have doubts about The Home Service Club, we suggest comparing it to its competitors in our home warranty comparison. We’ve chosen a top three and reviewed more than a dozen home warranty providers.
