The Home Service Club Review (2018)

The Home Service Club

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The Home Service Club is a traditional home warranty company that provides coverage to home owners who need their home systems and appliances serviced. They offer three plans that are blended systems and appliances and have optional coverage for things like pools, spas, and additional appliances or systems. Overall, customers find that Home Service Club does what they say will do. There are some complaints about repairs and replacements in some cases.

Home Warranty Scores

Overall Score: 9.1/10

Customer Satisfaction: 9.1/10

Prompt Service: 9.1/10

Repair / Replace Quality: 9/10

Price Range: Varies

Deductible: $65-$125

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Company Details

The Home Service Club is a New York business that is independently owned and focuses on home warranties and home service plans for home owners. Here are some additional details:

Service Line
HeadquartersNew York, NY
# of States ServedAll States but CA
BBB RatingC

Product Details

HSC provides a variety of home warranty products with a variety of appliances and systems covered in each. Here are the details:

PlanCoverage Items
Standard Coverage
  • A/C system
  • heating system
  • plumbing system (faucets)
  • electrical systems
  • water heater
  • ceiling fans
  • garage door opener
  • garbage disposals
  • central vacuum
  • plumbing systems
  • refrigerator
  • oven/range/cooktop
  • dishwasher
  • washer / dryer
  • freestanding ice maker
  • built-in microwave
  • trash compactor
  • built-in food centers
Comprehensive CoverageEverything in the Standard Coverage Plan and:
  • plumbing stoppages
  • ductwork
  • doorbells
  • exhaust & attic fans
  • pest control
  • instant hot & cold water dispenser
  • smoke detectors
  • recirculating hot water pump
  • smoke detectors
  • pest control
  • instant H/C water dispenser
  • gas leaks
  • water leaks
  • sump pump
  • whirlpool motor & pump assemblies
  • alarm wiring
  • telephone wiring
Optional Add-Ons
  • Utility and Service Line Coverage
  • sprinkler system
  • roof coverage
  • pool &/or spa equipment
  • freestanding freezers
  • water softener
  • jetted bathtubs
  • well pump
  • sewage ejector pump
  • additional select units

Exclusions / Limitations:

  • Sediment and corrosion is not covered
  • Abuse or misuse; improper installation; improper or insufficient maintenance; failure to clean; neglect; impact damage; physical damage; lightning strikes; missing parts; animal, pet and/or pest damage; casualty; acts of G-d; structural and/or property damage; structural changes; flood; smoke; earthquake; freeze damage; fire; electrical failure or surge; water damage; mud, soil movement, storms, accidents, or failure due to excessive or inadequate water pressure; accidents; war; nuclear explosion; acts of terror; reaction, radiation or radioactive contamination; insurrection; riots; vandalism; or intentional destruction of property
  • Not responsible for damage or neglect by service providers
  • Limit of $2,500 per claim
  • Limit of $6,000 per term for Standard and $9,000 per term for Comprehensive

Ease of Making Claims

Overall, most customers report that HSC has a simple online and on-phone claim process. Most customers are able to get what they need when they contact HSC and schedule an appointment prompty. That said, there are some folks that had some negative experiences with being able to solidify a repair person to come out. With some describing missed appointments and no-shows.

Positives

  • Phone and online claim portal

Negatives

  • Some issues getting service providers to come out

Repairs & Replacements

Most who have HSC plans report getting prompt and good service with service providers finding the areas to repair and getting the service done promptly. However, there are some that had issues with getting service accomplished. Those that had issues reported some times when their claims weren't handled because they were told they were out of coverage obligation. This is one of the reasons why it is very important to read your contract to understand cases where you may not be covered. Some others described that when a repair is complex or a replacement is needed, delays can take a very long time.

The Home Service Club vs. Other Top Home Warranties

The Home Service Club vs. American Home Shield

One of the big differences between The Home Service Club and American Home Shield is that American Home Shield offers customization options when it comes to your plan. You can create a custom plan for only the systems and appliances that you care about the most. Additionally, American Home Shield gets better ratings overall when it comes to service. This is really important for those that need repairs.

The Home Service Club vs. Choice Home Warranty

Choice has similar plans to The Home Service Club in that they have plans that cover both appliances and systems in the same plan. One of the big differences is the reliability of the service. Choice has some higher ratings overall on that and also has some competitive pricing. Unless you need exterior line coverage or additional systems that Choice doesn't cover, customers have made the case to go with Choice.

The Home Service Club vs. First American

First American has similar plans to Choice and The Home Service Club that are both a combination of appliance and system coverage. First American is a larger insurance company that offers a variety of other types of coverage so is a simple addition for some that have other services from them. In terms of customer satisfaction, most like what they get, but both Home Service Club and First American have some negative reviews concerning coverage in certain circumstances. In this case, HSC comes out a bit ahead, but still both need some work to please customers.

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Home Warranty Score: 9.1 / 10 from 76 Ratings