The Home Service Club Review: Coverage and Cost (2023)

The Home Service Club is a good choice for customers with aging appliances or systems, as the company covers items regardless of their age. We awarded The Home Service Club 4.29 out of 5. HSC stood out because its basic plan covers several home systems and essential appliances, including refrigerators, ovens, laundry machines, electrical, plumbing and air conditioning. The Home Service Club has established itself as a reputable company with extensive coverage and accessible customer service.

Take a look at the pros and cons of The Home Service Club below.

The Home Service Club offers its customers comprehensive protection through two coverage options: Standard Coverage and Comprehensive Coverage.

Here’s an in-depth look at both home warranty plans:

• Standard Coverage: Includes protection for 18 essential appliances and systems such as your garbage disposal, water heater, refrigerator and built-in microwave.
• Comprehensive Coverage: Protects 33 major home systems and appliances, including your alarm system wiring, smoke detectors, clothes washer and dryer.

The Home Service Club allows customers to choose up to 17 optional add-ons. Available add-ons include coverage for the following items:

• Additional dishwasher
• Additional freezer
• Additional microwave
• Additional oven/range/cooktop
• Additional refrigerator
• Additional water heater
• Freestanding freezers
• Jetted bathtubs
• Plumbing sprinkler
• Pool spa equipment
• Refrigerator dual compressor
• Roof coverage
• Service line
• Sewage ejector pump
• Spa and spa heater
• Water softener
• Well pump

The cost of The Home Service Club home warranty plans will vary based on where you live, the type of plan you choose, and the optional coverage items you purchase. Like most home warranty companies, The Home Service Club requires a service fee to be paid anytime a covered item is repaired or replaced. The Home Service Club’s service fee is $95, though this fee can vary based on the plan you choose, according to a company representative.

When our team requested a quote from the company, here’s the pricing information we received:

• Standard Coverage: $43.83 per month
• Comprehensive Coverage: $60.50 per month
• Optional add-ons: Optional coverage varies by item, but prices range from an additional $3.33 to $16.66 per month.

The MarketWatch Guides Team developed a calculator that analyzes the anticipated yearly expenses associated with owning a home warranty. To determine your projected annual cost for a Home Service Club warranty, simply input your monthly premium, service call fee and estimated number of claims.

Source: Home Depot

The calculators used on this website are being provided for educational purposes only. Data will not be collected or stored. The results are estimates based on the information you provide and may not reflect the actual pricing of your quote.

A home warranty from The Home Service Club covers mechanical or electrical breakdowns that are caused by normal wear and tear. Your warranty doesn’t cover damages incurred by perils like lightning or other external factors.

The Home Service Club covers repairs or replacements up to a certain dollar amount, known as a coverage cap. For example, the company will cover up to $2,000 for the repair or replacement of your air conditioning or plumbing system. You can read more about The Home Service Club’s exclusions and coverage limitations in its sample contract.

The Home Service Club is available in all 50 states.

The Home Service Club has a C rating* from the Better Business Bureau (BBB) due to a consistent pattern of complaints filed against the company concerning the customer service department and warranty policies. Positive reviews focus on the company’s timely claims process, knowledgeable technicians and patient customer service representatives.

Here’s a sample of The Home Service Club reviews:

“The spinner in my washing machine just wouldn’t work when I set in my load. It was super annoying because I really needed to get my laundry done. It’s good that HSC has super fast service because they were able to help me out in no time. Will surely recommend them to others!” — Nicole C. via BBB

“This is the second time it’s happened to me, but my washing machine wouldn’t drain again! So I called HSC for assistance and they found the source of the problem. Apparently, some cloth got stuck in the pump. They immediately got rid of it and did a test to see if it was running again. It did! Thanks, HSC!” — Candace M. via BBB

“If I could put a zero I would. I am a customer [and] filed a service request for someone to come out and fix my furnace. No call or reply what-so-ever from The Home Service Club. It has been almost a week! They are not worth putting your money into and should be looked at by the government for fraud practices. Ticket request says I would get an email, [but I] never did get one from them. If I did not get a screenshot, I would have no record to show for my request…another sketchy practice. I do not plan to be a returning customer after my plan expires.” — Dustin H. via BBB

“I agreed to sign a contract with a home warranty company called Home Service Club. The agreement was that if my home needed repairs they would provide me with a contractor. When I went to submit a claim I was given an appointment for contractors who for one never spoke to [The Home Service Club] and therefore never made arrangements to do my repairs and all one after one said they don’t work with home warranty companies.” — Anonymous comment via BBB

Note: When we reached out to the company about The Home Service Club reviews mentioning the long wait times and lack of communication from the claims department, we were told that customers are free to use their own contractor, which will likely result in faster service.

*BBB rating is accurate as of August 2022.

The Bottom Line

The Home Service Club offers competitive coverage through two protection plans. The company provides a wide range of optional add-ons and offers coverage that begins less than two weeks after signing the contract. A few disadvantages of a home warranty with The Home Service Club are that the company isn’t accredited by the BBB and it requires a high service fee of $95.

Overall, The Home Service Club is a solid option for customers looking for coverage on a variety of appliances and systems at a reasonable monthly rate.

Check out reviews of some of our other recommended home warranty providers below.

Ally Sabatina is an experienced content producer whose work has appeared on sites like The Financial Diet and Inverse. She holds a bachelor’s degree in philosophy from Temple University and strives to distill complex and nuanced topics into accessible and approachable language for all readers.

Rebekah Young is an editor with a decade of experience in educational content and editing. Before joining the Guides Home Team to focus on home services content, she guided content strategy and edited in the insurance, venture capital, financial and health care fields. Rebekah has a bachelor’s degree in communication and English.