The Home Service Club has its pros and cons. Service plans are very affordable, and multiple add-on packages can help homeowners cover everything they need. However, the company is not accredited by the Better Business Bureau (BBB) and received less-than-stellar Trustpilot ratings. The Home Service Club may have a lot to offer the right customer, though.
It could be a great fit for homeowners with relatively new appliances in newer properties. The affordable monthly fees make it a great choice, and while the service fees are somewhat high, newer homes shouldn’t have as many issues to handle.
We performed extensive research to get to know The Home Service Club better. We felt its two plans and add-on coverage were easy to understand and provided plenty of security.
Pros
- Monthly fees are relatively affordable
- Add-on coverages provide more peace of mind
- Customers can choose their own technicians
Cons
- Only two service plans are available
Table of Contents
- About The Home Service Club
- Home Service Club Pricing
- Compare Home Service Club Plans
- Optional Add-Ons
- Securing a Home Warranty Plan: We Put The Home Service Club to the Test
- What We Like About The Home Service Club
- What We Didn’t Like About The Home Service Club
- Payout Limitations and Other Considerations From The Home Service Club
- Home Service Club Availability
- How The Home Service Club Stacks Up
- Home Service Club Reviews and Experience
- Bottom Line: Is The Home Service Club Right for You?
- Methodology: How We Rated Home Warranty Companies
The Home Services Club is a home warranty company that provides homeowners with some peace of mind. The company was formed in 2009 and now serves all 50 states. It offers two coverage plans that are easy to understand (though relatively limited) as well as some add-on policies to improve coverage.
But there is more to choosing a home warranty company than just its coverage. In this Home Service Club review, we’ll take an in-depth look at this warranty provider to help you determine whether it’s a good fit for your needs.
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About The Home Service Club
The Home Service Club, headquartered in New York City, has been in business since 2009 and offers home warranty policies designed to protect homeowners from expensive repairs on appliances and home systems. Coverage is available in all 50 states.
Plans include everything from microwaves and garbage disposals to air conditioning systems and water heaters. The two options are the Standard Coverage Plan, which includes most systems and appliances in the home, and the Comprehensive Coverage Plan. The latter option includes many more items, including pest control and gas leaks. There are also additional coverages available for items like pools, roofs and sprinkler systems. Home Service Club also offers services to real estate professionals.
We used the company website to get a quote, and the process for requesting an estimate is pretty straightforward. All that’s required is basic contact info, your location and the size of your home. This can be a benefit for those who prefer to get a quote online instead of in-person or over the phone.
Home Service Club Pricing
| STANDARD COVERAGE | COMPREHENSIVE COVERAGE | |
|---|---|---|
| Cost Per Month | $51.25 | $62.50 |
| Service Fees | $65.00 - $125.00 | $65.00- $125.00 |
Note: The costs above are just estimates. You’ll receive a unique quote based on your home type, location and plan.
Compare Home Service Club Plans
Home Service Club customers can choose between two main plans: the Standard Coverage Plan and the Comprehensive Coverage Plan.
The Standard Coverage Plan
This plan covers the majority of home systems and appliances, including air conditioning systems, heating systems, plumbing systems, water leaks, water heaters, electrical systems, ceiling fans, central vacuums, garbage disposal, garage door openers, microwave ovens (built-in), dishwashers, refrigerators, ovens, ranges, cooktops, trash compactors, built-in food centers, washers, dryers and ice makers.
The Comprehensive Plan
This plan includes air conditioning systems, heating systems, ductwork, plumbing systems, hot water pumps, gas leaks, water leaks, sump pumps, water heaters, electrical systems, whole house and exhaust fans, ceiling fans, central vacuums, garbage disposal, pest control garage door opener, telephone wiring, alarm wiring, smoke detectors, doorbells, plumbing stoppages, built-in microwaves, dishwashers, refrigerators, ovens, ranges, cooktops, trash compactors, food centers, washers, dryers and ice makers.
| FEATURE | STANDARD PLAN | COMPREHENSIVE PLAN |
|---|---|---|
| Air conditioning system | Yes | Yes |
| Heating system | Yes | Yes |
| Ductwork | No | Yes |
| Plumbing systems | Yes | Yes |
| Recirculating hot water pump | No | Yes |
| Gas leaks | No | Yes |
| Water leaks | Yes | Yes |
| Sump pump | No | Yes |
| Water heater | Yes | Yes |
| Electrical system | Yes | Yes |
| Whole house, exhaust and attic fans | No | Yes |
| Ceiling fans | Yes | Yes |
| Central vacuum system | Yes | Yes |
| Instant hot cold water dispenser | No | Yes |
| Garbage disposal | Yes | Yes |
| Pest control | No | Yes |
| Garage door opener | Yes | Yes |
| Telephone wiring | No | Yes |
| Alarm wiring | No | Yes |
| Smoke detector | No | Yes |
| Doorbell | No | Yes |
| Whirlpool motor and pump assembly | No | Yes |
| Plumbing stoppage | No | Yes |
| Built-in M=microwaves | Yes | Yes |
| Dishwasher | Yes | Yes |
| Refrigerator | Yes | Yes |
| Oven, range and cooktop | Yes | Yes |
| Trash compactor | Yes | Yes |
| Food center (built-in) | Yes | Yes |
| Washing machine | Yes | Yes |
| Clothes dryer | Yes | Yes |
| Freestanding ice makers | Yes | Yes |
Optional Add-Ons
One of the great benefits of choosing a warranty plan from The Home Service Club is its bevy of available additional services. All of the following services are available for either coverage tier, and their costs will vary:
- Sprinkler system line coverage
- Freestanding freezer
- Refrigerator built-in units with dual compressors
- Well pump
- Water softener
- Jetted bathtub
- Roof coverage
- Pool and spa equipment
- Spa and apa heater
- Sewage ejector pump
- Utility and home service line coverage
- Additional refrigerator
- Additional dishwasher
- Additional water heater
- Additional oven range cooktop
- Additional microwave
- Second freezer
The Home Service Club offers roof and utility coverage, which helps it stand out, as many other home warranty companies don’t.
Securing a Home Warranty Plan: We Put The Home Service Club to the Test
We wanted to test out The Home Service Club’s customer journey, from submitting a request for a quote to submitting a claim. Here’s how it went.
Submitting a Request for a Quote
This part of the process couldn’t get much easier. All that’s required is the user’s name and contact information, address as well as some small details about the home. After submission, a representative from The Home Service Club will contact you over the phone or through email.
The Home Service Club’s FAQ page states that the company’s plans can be purchased completely online. An in-home inspection isn’t required to start your services.
Submitting a Claim
It’s impossible to submit a claim without a login and customer identification number. However, The Home Service Club states that customers can submit a claim by calling the service hotline or submitting a claim online. The website is also mobile-friendly.
What We Like About The Home Service Club
It’s worth noting that Home Service Club customers can choose their own technicians. They’ll have to call ahead, but this can be a great benefit for those who aren’t comfortable with strangers in their home. Also, while the number of plans is limited, the coverage is fairly comprehensive.
The estimated monthly fees are also a pro. They’re more affordable than those of most other home warranty companies. Others tend to cost $10 to $50 more.
What We Didn’t Like About The Home Service Club
The plans are pretty limited in volume (not necessarily coverage). We would like to see a third plan that mixes coverages. Also, the service fee per call ranges from a reasonable $65 to an expensive $125. The higher end of the range is significantly more expensive than many other warranty providers’. However, this will vary based on your home, plan and other factors, so it’s worth getting a quote to get a sense of your exact cost.
Finally, cancellation isn’t super straightforward and can get costly.
Payout Limitations and Other Considerations From The Home Service Club
Payout limitations vary considerably between the different items covered. In total, the company will cover up to $9,000 per year, but there are individual limits on the items. For example, HVAC systems are eligible for up to $2,000 per 12-month period. For hot water pumps, the company will only pay $600 in 12 months.
Also, note that cancellation fees aren’t as straightforward as one might hope. Canceling costs a $45 administrative fee. However, our research shows that additional fees may be associated with canceling plans.
Home Service Club Availability
The Home Service Club is available in all 50 states, including Washington, D.C. Customers throughout the country can rely on the company to fix their broken items or systems no matter where they live.
How The Home Service Club Stacks Up
| COMPANY | COVERAGE INCLUSIONS |
|---|---|
| The Home Service Club | Air conditioning system, heating system, ductwork, Plumbing systems recirculating hot water pump, gas leaks, water leaks, sump pump, water heater, electrical system, whole house, exhaust and attic fans, ceiling fans, central vacuum system, instant hot cold water dispenser, garbage disposal, pest control, garage door opener, telephone wiring, alarm wiring, smoke detector, doorbell, Whirlpool motor and pump assembly, plumbing stoppage, built-in microwaves, dishwasher, refrigerator oven, range and cooktop, trash compactor, food center (built-in), clothes washer, clothes dryer, freestanding ice makers |
| American Residential Warranty | Central air conditioning, central home heating, built-in microwave, ceiling fans, dishwasher, garbage disposal, garage door opener, humidifier, interior electrical system, kitchen exhaust fan, plumbing system, plumbing stoppages, range, oven and cooktop, refrigerator incl. ice maker, water heater, clothes washer and clothes dryer |
| American Home Shield | Shingles, tiles and shakes, flat (non-metal) roofing, flashing, underlayment, air conditioners, heating units, ductwork, built-in exhaust, vent and attic fans, main breaker and fuse panel box, doorbells, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, Whirlpool tub motor and components, water heaters, refrigerators, ranges and cooktops, ovens, dishwashers, built-in-microwaves, garbage disposals, instant hot and cold water dispensers |
The Home Service Club vs. American Home Shield
American Home Shield offers more service plans than The Home Service Club. The former company also provides most of the same comprehensive coverages at a higher cost. Consequently, The Home Service Club could be a solid choice for homeowners on a budget.
Learn More: American Home Shield review
The Home Service Club vs. American Residential Warranty
American Residential Warranty offers three coverage options as opposed to two. However, the most comprehensive plan is much more expensive and no more comprehensive than The Home Service Club’s. However, it’s worth noting that the service fee is much lower, with American Residential’s coming in at $55.
Learn more: American Residential Warranty review
Home Service Club Reviews and Experience
Home Service Club generally gets mixed customer reviews. Many consumers tout the company’s expansive coverage options, which include systems and appliances of all ages, makes and models. Other customers called out the quick service time, as HSC will typically send out a tech without requiring an inspection. Customer service was also a highlight to many consumers, thanks to a national call center that operates 24/7.
Some consumers have dinged the company, however, for a number of reasons. Despite the budget-friendly monthly premium, many customers have stated that Home Service Club is not the cheapest provider on the block. This is due to higher-than-average service call fees and cancellation fees. Others have issued complaints with the BBB, saying that the company had a delayed response when it comes to handling claims. Finally, a home warranty company is only as good as the techs that swing by to handle issues, and some consumers have called out poor experiences with local professionals.
Bottom Line: Is The Home Service Club Right for You?
Ultimately, if you have a home that is prone to breaking down (essentially an older home), then The Home Service Club probably isn’t a good fit for you. The high service fees and past customer experiences lacking timelines and communication might be an issue. However, if you have a newer home and want to protect its appliances and systems without paying an arm and a leg, The Home Service Club could be a great option. The monthly fees are affordable, and you shouldn’t have to pay for too many service fees.
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Methodology: How We Rated Home Warranty Companies
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 54 companies, with each company’s star rating determined by evaluating a variety of metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features, property coverage, customer reviews and support and nationwide availability.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
All figures and facts were accurate at the time of first publication.
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Frequently Asked Questions (FAQs)
How much does Home Service Club cost?
The Home Service Club’s costs typically range from $51.25 to $62.50 per month for coverage, and the service fee per call often falls between $65.00 and $125. However, be sure to reach out for a unique quote, as your home type, location and chosen plan will have a lot to do with the estimate you receive.
Does Home Service Club cover roof leaks?
Yes, but only if you choose roofing coverage as an additional service. Roofing is one of the add-ons that the company offers.
Does The Home Service Club require a home inspection?
No, HSC does not require an in-home inspection at any point.
Are there any customer service complaints?
Unfortunately, like with many home warranty companies, there are a fair amount of complaints against The Home Service Club. They mostly take issue with claim denials, poor communication and poor response times.
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