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The Home Service Club Review | 2021

If you’re looking for a home warranty, read our Home Service Club review to learn more about coverage plans, pricing, customer service, and other benefits.
Each product we feature has been independently selected and reviewed by our editorial team. If you make a purchase using the links included, we may earn commission.

The Home Service Club (HSC) is a national home warranty provider known for its short waiting period, unique coverage options, and generous service guarantee.  In our review, we discuss the company's plans, cost, claims process, and more to help you determine whether this company is the best home warranty provider for you.

To get a free quote from The Home Service Club, call 800-842-9334 or fill out this form.

Best for Quick Coverage
The Home Service Club

Home Service Club Pros & Cons



Offers a 30-day labor guarantee

$95 service fee is higher than some competitors

Provides repairs of covered items no matter the age, make, or model

Allows just one day to submit a claim

Provides 24/7 customer support


Background & State Availability

Founded in 2009, The Home Service Club, also known as HSC Warranty, offers coverage for home systems and appliances regardless of their age, make, or model. Additionally, your coverage begins only 10 days after signing the contract which is why we named Home Service Club the "Best for Quick Coverage."

  • Years in Business: 12 years
  • BBB Rating: C
  • Number of Reviews: 400+
  • State Availability: 49 states*

* The Home Service Club is unavailable in Wisconsin

The Home Service Club Plans & Coverage

The Home Service Club offers two home warranty plans: the Standard Plan and the Comprehensive Plan. The company's Standard Plan covers essential systems and appliances, while the Comprehensive Plan includes coverage for everything in the Standard Plan, plus additional systems and appliances and pest control services—the addition of pest control services is unique for the home warranty industry.

The Home Service Club also provides additional benefits on both plans for new homebuyers and sellers. These perks are intended to help during a real estate transaction. Perks in the Home Service Club's Real Estate Plan include extending coverage for the following:

  • Undetectable preexisting conditions
  • Failure due to improper installations
  • Lack of routine care and maintenance
  • Refrigerant reclaim, recapture and disposal
  • Code violation fees
  • Rust and/or corrosion
  • Misuse
  • Permit fees

The table below shows the items covered by The Home Service Club's two different plans.

Plan What's Covered

Standard Plan: Best for Essential Systems & Appliances

Includes the following systems & appliances:
Air conditioning ✓
Ceiling fans✓
Central vacuum✓
Electrical system✓
Food center✓
Garage door opener✓
Garbage disposal✓
Trash compactor✓
Heating system✓
Refrigerator ice maker✓
Oven / range / cooktop✓
Plumbing system✓
Water heater✓

Comprehensive Plan: Best for Total Protection

Covers everything in the Standard Plan, plus:
Alarm wiring ✓
Gas leak✓
Hot water pump✓
Pest control✓
Plumbing stoppages✓
Smoke detector✓
Sump pump✓
Telephone wiring✓
Hot water dispenser✓
Water leak✓

Optional Add-Ons

The Home Service Club offers the following optional add-ons, which vary in price, for those looking for additional coverage:

  • Service lines: Outside water lines, sewer lines, other utility lines
  • Pool: Spa, spa heater, pool/spa equipment
  • Refrigeration: Dual compressor, additional refrigerator/freezer, freestanding freezers
  • Kitchen appliances: Additional dishwasher, additional oven/range/cooktop, additional microwave
  • Plumbing/water: Jetted bathtubs, water softener, well pump, sewage ejector pump, additional water heater, plumbing sprinkler
  • Roof coverage

Coverage Limits

As with any home warranty company, Home Service Club features limitations and exclusions on what its plans cover. We recommend that you look through a sample contract closely to get a better understanding of what items may be excluded from coverage. Below are a few major exclusions from Home Service Club's service agreement:

  • Central Vacuum: Accessories or hoses, removable attachments, clogged pipes, and maintenance related breakdowns
  • Dishwashers: Racks, baskets, rollers, door hinges/locks, springs, gasket, soap dispensers, noise, seal, and removable accessories
  • Microwave Oven (Built-In): Interior linings/walls, door glass, latch assemblies, shelves, portable or countertop units, door hinges, locks, vent and all hoods, trim kits and built in kits, springs, gasket, seal; noise, meat probe assemblies, rotisseries, clocks, and removable accessories
  • Refrigerators: Racks, shelves, drawers, ice makers, ice crushers, beverage/water dispensers, and their respective equipment and water lines, interior thermal shells, door hinges, springs, gasket, seal, noise, food spoilage, light bulbs, freestanding freezer, freezers which are not an integral part of the refrigerator, removable accessories, wine coolers/chillers, multi-media center, non functioning parts, latch assemblies, cosmetic damage
Best for Quick Coverage
The Home Service Club

The Home Service Club Cost

The Home Service Club plans range from $51.25 to $62.50 per month. Overall, the company's monthly fees are normal for the home warranty industry, but the service fee is higher than other providers.

Along with a $95 service fee, here are the prices we received after getting a free quote:

Plan Monthly Cost

Standard Coverage

$51.25 per month

Comprehensive Coverage

$62.50 per month

Coverage Caps

Before electing for a plan with the Home Service Club, we suggest you closely read a sample contract to understand what coverage caps are placed on each covered item. We have listed some of the major coverage caps from a sample contract with the Home Service Club here: 

  • Heating Systems and Air Conditioning Systems: HSC will pay up to $2,000 per contract term for access, diagnosis, repair, or replacement of Heating Systems and Air Conditioning Systems combined, including returning access openings to a rough finish. Coverage is only available on Air Conditioning Systems not exceeding a five (5) ton capacity and designed for residential applications
  • Water Heaters: Up to $500 per contract term for access, diagnosis, repair, or replacement of a covered water heater, including returning access openings to a rough finish
  • Electrical Systems: Up to $500 per contract term for access, diagnosis, repair, or replacement of covered electrical systems
  • Dishwashers: Up to $600 per contract term for access, diagnosis, repair, or replacement of a covered dishwasher
  • Refrigerators: Up to $750 per contract term for access, diagnosis, repair, or replacement of a covered refrigerator. Refrigerator must be located within the kitchen.
  • Ovens Ranges Cook-tops: Up to $750 per contract term for access, diagnosis, repair, or replacement of the ovens ranges cooktops combined

The Home Service Club Reviews

Like most home warranty companies, The Home Service Club has received a mix of positive and negative reviews, but most of its reviews are positive. The company has a C rating and a 4.4-star rating on the Better Business Bureau (BBB).

Here are some BBB reviews we found when researching the company:

How to Submit a Claim with HSC

You can submit a claim with The Home Service Club by calling 800-601-1009 or using your online account. If you submit a claim through your account, you'll receive a confirmation email of your request. After your claim has been reviewed, the company will connect you with a professional service contractor to set up an appointment.

Verdict & Recommendation

With its generous service guarantee, short waiting period, and unique coverage options, The Home Service Club is a home warranty company worth considering, especially for homeowners who need pest control services or utility line coverage.

You can get a free quote from The Home Service Club by calling 800-842-9334 or by filling out this form. If you're not sure whether The Home Service Club is right for you, compare other top-rated home warranty companies below.

Best for Quick Coverage
The Home Service Club

Compare Home Warranty Companies

To help our readers find the right home warranty provider, we conducted an analysis of major home warranty companies and compared factors like cost, customer reviews, and breadth of coverage. We gave The Home Service Club an honorable mention on this list and named the company as "Best for Quick Coverage" because of its short waiting period.

The two home warranty companies with the highest overall ratings are American Home Shield and Choice Home Warranty. Use the table below to compare The Home Service Club with these providers and get free quotes.

Provider The Home Service Club American Home Shield Choice Home Warranty

Get a Quote

Our Verdict

Best for Quick Coverage

Best Overall

Best Basic Plan

Number of Plans

2 plans

3 plans

2 plans

Monthly Cost




Service Fee




States Covered

49 states (Not WI)

49 states (Not AK)

48 states (Not CA or WA)

BBB Rating




Related Content

Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:


What we consider

Plan Options

The number and type of plan options offered to customers


The types of items included in a policy


How much each plan costs and the service fee options

Company Reputation

How the company is perceived through Better Business Bureau (BBB) ratings and a company's years in business

Customer Service

The customer service team's availability, what guarantees are offered, and what customer communication channels are provided (online customer portals, quote forms, etc.)

Unique Benefits

Factors that make the customer experience more seamless, such as allowing customers to choose their own contractor

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

The Home Service Club FAQ

Do I need a home warranty?

Over time, major home systems and appliances will break down due to normal wear and tear and require essential repairs or replacements. Homeowners with a home warranty plan can have peace of mind that many of these repair costs will be covered by a home warranty company, and they won't have to worry about finding a trusted service contractor to complete repairs.

Is coverage for appliances worth it? 

If you have purchased an appliance at a budget price, then you may not feel compelled to purchase a home warranty for it. However, if you have more expensive appliances or you have had an appliance for five or more years that is now outside of the manufacturer's warranty,  a home warranty may be worth it for you.

Do I have to get a home inspection before purchasing a plan from The Home Service Club?

No, homeowners don't have to get a home inspection before purchasing a home warranty plan from The Home Service Club.

How do you submit a claim with The Home Service Club?

Once your coverage begins (10 days after you've signed your contract), The Home Service Club support staff will be at your disposal 24 hours a day, seven days a week via their customer service line or your online customer portal.

Does The Home Service Club offer a service guarantee?

Yes, The Home Service Club offers a 90-day guarantee on all repairs. Additionally, the company replaces items that can't be properly repaired.