Home Service Club review: A comprehensive guide to cost and coverage

The Home Service Club at a glance

Though The Home Service Club reduces out-of-pocket costs for home repairs, there are some drawbacks to consider.

Fast facts

What we like

What we don’t like

* Third-party ratings are accurate as of May 2024

The Home Service Club pros and cons

Getting coverage through The Home Service Club is pretty smooth. Unlike many providers, you don’t need a home inspection. Coverage begins 10 days after signing the contract, which is perfect if you need protection ASAP. Most other companies have a 30-day waiting period.

Most competitors charge around $75 per service call. But with The Home Service Club, you could pay up to $125 to get someone out to your place.

Pros

Cons

How much does The Home Service Club cost?

The Home Service Club offers two main coverage plans: Standard and Comprehensive. When ordering a warranty online, first-time customers automatically receive a 10% discount on either plan.

The coverage tier and payment plan you choose affect your overall investment. It’s more cost-efficient to pay in full, which is typical. You can save a little under $100 over 13 months on either plan. Of course, more extensive coverage brings up the overall price.

Here’s a breakdown of costs* without add-on coverage:

* We gathered quotes for a standard 2,000-square-foot home in Dallas.

What services does The Home Service Club offer?

The Home Service Club covers the expected basics, such as refrigerators, microwaves and water heaters. If you choose its Comprehensive plan, you also get less-common coverages, such as pest control and ductwork.

We love that The Home Service Club lets customers tailor policies to their homes’ unique needs. For example, you can add a la carte coverage for items like pools, extra appliances, water softeners and more.

Its service call fees are $65, $95 and $125, and you can choose the one you want when you select your coverage plan. Though the highest price is steeper than many competitors’ fees, The Home Service Club provides a 30- to 90-day workmanship guarantee on repairs, standing behind its service quality.

As for limitations, The Home Service Club covers normal wear and tear damages with coverage caps in place. For example, it will pay up to $2,000 for air conditioning repairs or replacement. Damage from external factors like lightning isn’t covered.

The Home Service Club services

The Home Service Club add-ons and optional features

Add-ons allow customization to match each home’s needs. Get a free quote online by entering your home address and selecting the desired coverage options. On the checkout page, you’ll see the breakdown of costs individually.

To understand the costs of add-ons, we got a quote for a standard 2,000-square-foot home in Dallas. For this home, roof coverage is about $200 and well pump coverage is around $130 for 13 months.

Below are the additional add-ons available and their respective prices:

What does The Home Service Club not cover?

Like most warranty providers, The Home Service Club doesn’t cover preexisting conditions or damage from natural disasters and external problems.

Other exclusions include:

The Home Service Club customer experience

You can reach The Home Service Club via email or the website 24/7. Alternatively, you can call (800) 601-1009 to request service. Filing claims is easy via the website’s customer portal. At the time of writing, the company doesn’t have a mobile app or a live chat option.

Reviews of customer service are mixed, with some commending its staff members’ warm and accommodating nature. For example, one customer applauded The Home Service Club for its quick service with a 4-star review:

However, other customers report issues getting claims approved and repairs made promptly. For instance, another customer gave a 2-star review, calling The Home Service Club “practically a scam”:

The bottom line? While phone representatives may be friendly, some have found roadblocks to getting covered repairs and replacements actually completed. Experiences vary in terms of response time and claim approval rates.

The fine print: Terms and conditions you should know

When considering The Home Service Club, two pieces of fine print stand out. First, it doesn’t have BBB accreditation, which some customers see as a red flag. Second, transferring the policy to new owners costs $75 if you sell your home.

The Home Service Club vs. competitors

The Home Service Club offers standard and comprehensive home warranty plans, which is common in the industry. The customizable add-ons are a key advantage, allowing you to expand coverage for items like a second fridge in the garage. This flexibility suits homeowners who need plans tailored to their needs.

Unlike some competitors, including Select Home Warranty and American Residential, which operate in only 46 states, The Home Service Club plans are available in all 50 states. Another differentiator is customers get to pick their preferred technician, while other companies, such as Home Warranty of America, assign technicians.

A downside to The Home Service Club is it charges a $45 cancellation fee before or after the threshold date. In contrast, many competitors only charge afterward or not at all.

The Home Service Club vs. competitors

* We were unable to confirm 2-10’s list of covered states with a customer service representative.

Methodology

The CNN Underscored editorial team provides unbiased, thoroughly researched advice homeowners can trust. We carefully analyze all the factors that impact real-world experiences with warranty providers. By weighting metrics and comparing quotes based on what today’s homeowners need, we work hard to deliver practical rankings tailored to the modern buyer.

To determine our home warranty company rankings, our editorial team analyzed 21 major providers across the following key categories:

Frequently asked questions (FAQs)