Money & Finance

Home Service Club Reviews: Customer Service, Prices, Complaints, & More

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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.

Home service club logo

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.


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

  • Customer Service
  • Coverage
  • Work Quality
  • Overall Value


  • 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

Visit HSC Website

Consumer Reviews

2 1 vote
Reader Rating

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:

  1. Choose a service call fee amount and
  2. Choose between the Standard and Comprehensive plans.
 Standard CoverageComprehensive Coverage
RefrigeratorsGreen checkmarkGreen checkmark
Ovens, Ranges, CooktopsGreen checkmarkGreen checkmark
DishwasherGreen checkmarkGreen checkmark
Clothes WasherGreen checkmarkGreen checkmark
Clothes DryerGreen checkmarkGreen checkmark
Freestanding IcemakersGreen checkmarkGreen checkmark
Microwave Oven Built-InGreen checkmarkGreen checkmark
Trash CompactorGreen checkmarkGreen checkmark
Food Centers Built-InGreen checkmarkGreen checkmark
Air ConditioningGreen checkmarkGreen checkmark
Heating SystemsGreen checkmarkGreen checkmark
Electrical SystemsGreen checkmarkGreen checkmark
Water HeaterGreen checkmarkGreen checkmark
Plumbing SystemsGreen checkmarkGreen checkmark
Garbage DisposalGreen checkmarkGreen checkmark
Garage Door OpenerGreen checkmarkGreen checkmark
Ceiling FansGreen checkmarkGreen checkmark
Central VacuumGreen checkmarkGreen checkmark
Plumbing Stoppage Green checkmark
Ductwork Green checkmark
Pest Control Green checkmark
Gas Leaks Green checkmark
Whirlpool Coverage Green checkmark
Alarm Wiring Green checkmark
Telephone Wiring Green checkmark
Smoke Detectors Green checkmark
Exhaust/Attic Fans Green checkmark
Sump Pump Green checkmark
Doorbells Green checkmark
Hot Water Pump Green checkmark
Hot/Cold Water Dispenser Green checkmark
Pool CoverageOptionalOptional
Sprinkler SystemOptionalOptional
Roof CoverageOptionalOptional
Freestanding FreezerOptionalOptional
Refrigerators Built-In Units with Dual CompressorsOptionalOptional
Sewage Ejector PumpOptionalOptional
Water SoftenerOptionalOptional
Well PumpOptionalOptional
Jetted BathtubOptionalOptional
Utility Line Coverage Package*OptionalOptional

*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.


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


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
Contractors repairing a kitchen counter
These guys are hard at work putting your kitchen back in order following a duct repair. Would the Home Service Club go this far on your behalf?

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.

Kimberly Alt

Kimberly is our home security expert and has been 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. Her work has appeared in many notable brands, including The New York Times' Wirecutter, Reader's Digest, Forbes, People, Woman's World, and Huffington Post. In 2018, she had her first child, which 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.

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