What is a home warranty?
A home warranty is a service contract that covers the repair or replacement of a multitude of your home’s systems and appliances that break down due to normal wear and tear.
Why do I need a home warranty?
Breakdowns of household systems and appliances are, unlike hazardous natural disasters, common and inevitable. Such breakdowns carry with them expensive repair and replacement costs along with unpredictable, and often inconvenient, timing.
When an air conditioner breaks in the summer, a heating system in the winter, or if you unexpectedly find yourself without hot water or a working fridge, a home warranty plan from The Home Service Club is exactly what protects you and helps manage the costs of covered breakdowns. Instead of looking for random service providers and paying full retail prices for repairs and replacements, you will have The Home Service Club’s award winning coverage as well as a network of top rated service providers and a supply chain of brand name systems and appliances.
How does a home warranty work?
Select a coverage plan that best suits your home and budget and choose a Trade Service Call Fee. You can choose from our homeowner plans or, if you are buying or selling a home, from our real estate plans. You will have the option to customize your plan with many available options, including our new Utility & Service Line coverage.
When a covered breakdown occurs, simply log in to your account or call (800) 601-1009 toll free to request service.
Our Service Response team will assign a local service provider who will contact you to schedule an appointment. The service technician will diagnose the failure and report it to us. Based on the technician’s findings and diagnosis, we will determine If the problem is covered by your selected home warranty plan and. If it is covered, you will pay your Trade Service Call Fee and the failed system or appliance will be repaired or replaced.
Once the work is complete, you will be contacted to make sure that your claim has been satisfied and everything is in working order.
What is the Utility/Service Line Coverage?
his new optional endorsement expands home warranty coverage beyond the walls of your home. While a traditional home warranty is designed to cover the systems and appliances within your home, some of the most unpredictable and costly breakdowns can happen undetected outside the home. Such breakdowns can be difficult to diagnose and expensive to fix, often require digging up your lawn or backyard for access, need to be done by specialized service providers, and can cause consequential damage.
The Home Service Club’s Utility & Service Line coverage helps protect you from some of the costliest and difficult repairs and can be added to any available coverage plan. It covers the following categories:
- Outside Water Line Coverage
- Outside Sewer Line Coverage
- Outside Gas Line Coverage
- Outside Power/Electric Line Coverage
- Grinder Pump System
- Sprinkler System / Home Irrigation System Line Coverage
How does a home warranty help my budget?
System breakdowns come with unexpected expenses. Gaining access to, diagnosing, repairing or properly replacing a failed system can really hurt your budget. If you are covered by a Home Service Club home warranty plan you will pay your selected Trade Service Call Fee, and any costs not covered by the home warranty, instead of paying for the full retail cost of the work.
Do I need to have a home inspection done before I can get a home warranty with The Home Service Club?
No. A home inspection is not required in order to purchase a home warranty plan with The Home Service Club. Our plans can easily be purchased online or via the telephone or, if you are a new home buyer, through your real estate agent. We also will not refuse coverage based on the age of a system or an appliance.
Homeowners Insurance vs. Home Warranty – How are they different?
Homeowners insurance provides protection for your belongings and your home’s structure and components should they, by chance, incur damage in a hazardous event such as lightning, fire, or natural disasters. Homeowners insurance does not provide coverage for system or appliance inevitable failures from normal wear and tear.
A home warranty covers your home systems and appliances from the repair or replacement costs in cases of inevitable breakdowns from normal wear and tear and keeps your home up and running.
How are manufacturer’s warranties, extended warranties, and home warranties different?
Manufacturer’s warranty usually comes with brand new systems or appliances at no extra cost and typically covers specific parts. It is usually limited to a specific time period (commonly one year) and does not always cover labor. Once the time period ends, the warranty expires.
An extended warranty is similar to the manufacturer’s warranty in its limited coverage, and can be purchased for a specific system or appliance. It is often added for an extra cost at the time of purchase of the system or appliance and usually resembles the manufacturer’s warranty but extends it by the purchased time period. Once that period ends, the warranty expires.
A home warranty is not limited to one specific item and one plan covers a multitude of the home’s systems and appliances. It is not limited to brand new appliances, does not refuse coverage based on age, and can be renewed each year upon expiration. It is designed to keep your home running continuously so that you do not have to worry about it. It covers both parts and labor and is a cost effective way to protect many of the home’s components.
What are some of the benefits of buying a home warranty plan with The Home Service Club?
Becoming a member of The Home Service Club has many perks:
- Special access to discounts on and help with many household projects such as cabinetry, flooring, name brand appliances, and more.
- Our own supply chain of most household systems and appliances to ensure all of the equipment is brand new, up to codes and requirements, and fully warranted.
- Our network of over 10,000 top-rated, independent service providers to ensure quality of work.
- Industry-leading award-winning service and access to experts’ wisdom and advice on maintenance, upgrades, upkeep, efficiency and savings, conversions, and more.
- Ability to submit claims, access your policy terms, and manage your account online 24 hours a day, 7 days a week.
Can I transfer my home warranty to its new owners after I sell my home?
Yes, the home warranty for a specific property can be transferred to its new owner. To transfer your contract, please call us at (800) 601-1009.
What is the difference between a homeowners plan and an RE-Pro plan?
Homeowners plans are available for any homeowner providing their dwelling qualifies for coverage. Our RE-Pro plans are available through real estate transactions only for new home buyers.
What is a Trade Service Call Fee?
A Trade Service Call Fee (deductible) is a pre-set, one-time fee that you pay per claim on a covered repair or replacement.
What if I sell my home before my warranty expires?
If you sell your home before the end of the warranty term, you can simply transfer it to the new home buyer. To transfer your warranty to a new owner, please call us at (800) 601-1009.
How do I register for my online account?
Upon purchasing a home warranty plan, your online user account is auto-created for you for your convenience so you do not have to worry about setting up your online account. You will receive a welcome e-mail with your user name and a temporary password. All you have to do is click on the link in the e-mail, change the password to the one you prefer, and you are all set to start using and managing your online home warranty account.
In case your e-mail was not provided at the time your home warranty plan was purchased, you would be able to manually register for your online account on our website by following a few simple steps. You can click here to set up your online account.
When can I request service?
Once your home warranty coverage begins, you can make a claim 24 hours a day, 7 days a week. Should a new issue arise after your home warranty policy start date, you can request service online or call us (800) 601-1009.
How do I request service?
Home warranty service can be requested by logging-in to your account or by calling us at (800) 601-1009. You can access your account from your mobile device; our mobile-friendly interface makes requesting service a breeze.
What happens after I submit a service request?
Once your claim is submitted, you will immediately receive a claim confirmation e-mail to confirm that your service request has been received. Our dedicated service response team will then assign a local professional contractor that specializes in the trade for which you need service (such as plumbing, electric, heating and cooling, etc). The assigned service contractor will contact you to schedule a convenient time for a service call to your home.
How long does it take for the service contractor to come to my home?
Availability of local service providers may vary based on many different factors, such as their workload and schedule. Our dedicated service response team will assign your claim to an available local contractor as soon as possible. The assigned contractor will then contact you to schedule a convenient appointment time.
What if my covered system or appliance cannot be fixed?
If a covered item cannot be repaired or is beyond economical repair, we will offer a replacement or suggest other solutions where possible. All options are considered to ensure you make the best decisions for your home.
Who are the contractors that The Home Service Club assigns to my claims?
The Home Service Club will assign a qualified, professional service contractor from your local area who specializes in the requested trade (such as plumbing, electric, or heating and cooling, for example). All service providers in our network are regularly rated and evaluated by customers, such as you, and reviewed by our contractor relations team to ensure they are meeting our standards.
Can I select my own service contractor?
In some cases we may offer you the ability to use an out-of-network contractor of your choice. In such cases, the service provider you select must be a qualified professional in the trade and state where the work is to be done, licensed where applicable, and have adequate worker’s compensation, general liability, and automotive liability insurance coverage. The contractor must provide a detailed diagnosis and an itemized repair estimate to The Home Service Club before performing any work. All repairs must be authorized by The Home Service Club and any work performed without prior approval will not be reimbursed by the HSC Home Warranty.
My home warranty repaired my item, but the issue came back. What should I do?
Simply make another service request online or by calling us at (800) 601-1009. The local professional will be dispatched back to your home.
My home warranty repaired my item, but the issue immediately came back. Will I have to pay another deductible?
If it is the same issue associated with the parts that have just been repaired or replaced, then you do not have to pay another deductible. Your home warranty covers all deductibles in such cases for up to 90 days.
What does an HSC Home Warranty Cover?
The Home Service Club offers a variety of plans and options to meet your home’s needs. We offer two different homeowner warranty plans and three different homebuyer warranty plans which cover parts and components of up to 33 different systems and appliances in your home. Each plan can be expanded with any of the available optional coverage add-ons which extend coverage to many other systems and appliances in your home. Our optional Utility & Service Line coverage package extends the coverage beyond the walls of your home and covers 6 new categories. To see the details of all available parts of coverage please view our sample contract.
Compare our Homeowner Home Warranty plans for a complete breakdown of the included systems and appliances.
Buying a home? Compare our Homebuyer Home Warranty plans available exclusively for real estate transactions.
Selling your home? View our different Listing Coverage options available for homes listed on the market
What are the additional coverage options available to add to my home warranty plan?
Once you select the home warranty plan you want for your home, you will be able to add any of the following available coverage options:
- Roof coverage
- Pool and spa coverage
- Spa and spa heater coverage
- Jetted bathtub coverage
- Well pump coverage
- Sprinkler system / home irrigation system line coverage
- Sewage ejector pump coverage
- Water softener coverage
- Refrigerators built-in with dual compressors coverage
- Freestanding freezer coverage
- Utility and service line coverage package
- Additional appliances
What does the Utility and Service Line coverage package cover?
The HSC Utility & Service Line coverage provides protection for the following 6 categories:
- Outside water line coverage
- Outside sewer line coverage
- Outside power/electric line coverage
- Outside gas line coverage
- Grinder pump system
- Sprinkler system/home irrigation line coverage
Are there any exclusions or limitations to home warranty coverage?
Yes. A home warranty covers mechanical or electrical breakdowns that occur due to normal wear and tear. A home warranty does not provide insurance coverage for other perils such as, for example, impact damage, lightning, insurable events, or other damages due to external factors. For example, if the blower motor in your central air conditioning unit fails due to normal wear and tear, it would be repaired or replaced with your home warranty coverage. However, if the condensing coil on your central AC condenser is damaged by a lawnmower or an animal, it would not be subject to home warranty coverage. For a complete list of conditions, exclusions, and limitations please view our sample contract or contact us at (800) 601-1009 with any questions.
The systems and appliances in my home are old; can I still get an HSC home warranty plan?
Yes. You can get a home warranty plan from The Home Service Club regardless of how old the systems and appliances are in your home.
Do I need to provide a home inspection report or maintenance records before I am able to purchase a home warranty plan?
No. Home inspections and maintenance records are not required in order to purchase an HSC home warranty plan.
When can I start using my new home warranty plan?
You can start using your new HSC homeowner warranty coverage 10 days after purchasing your plan. If you purchased a Home Buyer plan during a real estate transaction, you can start using it on the day of closing.
What if my covered system or appliance cannot be repaired?
If a system or an appliance is covered but cannot be repaired, or is beyond economical repair, we will offer a replacement or suggest other solutions where possible. All options are considered to ensure you make the best decisions for your home.
How will The Home Service Club determine if my claim is covered or not?
Coverage of your claim will be determined once we receive the diagnosis of the cause of the issue with your covered system or appliance from the service contractor.
Can I change my home warranty plan after I buy it?
You can change your home warranty plan within the first 30 days of purchasing it, or within 30 days of each consequent renewal. To change your plan, please call us at (800) 601-1009.
Does coverage extend to my garage?
Yes if the garage is attached. Attached garages are considered part of the home and are subject to full home warranty coverage. If the garage is detached, then it is not subject to coverage. However, your garage door opener is covered regardless of whether the garage is attached or detached.
I have more than one of the same appliances in my home; can I get coverage on them as well?
Yes. Your plan covers one main appliance in each covered category. However, any additional appliances can have additional coverage purchased for it. For example, if you have one main refrigerator in your kitchen and another one in your basement or garage, you can purchase additional coverage to cover the second unit while the main one will be covered under your original plan.
Note: this does not apply to heating and cooling as multiple heating and air conditioning systems are covered under your home warranty plan.
Where can I view my contract?
Your home warranty contract is available on your account home page when you log in to your online account. Your contract is available 24 hours a day, 7 days a week for as long as your account is active.
Can I view a sample contract before purchasing a home warranty?
Yes, absolutely. Viewing a sample contract is encouraged and can be done anytime on our website. You can click here to view the sample contract which is available 24 hours a day, 7 days a week, and 365 days a year.
How do I sign up for a home warranty?
You can get your free home warranty quote online or contact us at (800) 601-1009.
How long does my home warranty contract last?
Your home warranty contract lasts for 12 months from its start date (unless otherwise approved by The Home Service Club or stated on your contract). For more details please see the sample contract.
How do I renew my home warranty plan?
If you have automatic monthly payments set up with us on your home warranty plan, you do not have to do anything. All eligible contracts will automatically renew and ensure continuous coverage; the new contract will be immediately available on your account home page.
Can I cancel my home warranty contract at any time?
Yes, you may cancel your home warranty contract at any time.
Cancellation terms may vary by state. Please review the cancellation policy on our sample contract or, if already have a plan, by logging in to your online account. For any other questions regarding cancelling your home warranty contract please contact us at (800) 601-1009.
Is there a limit to how many service requests I can make during my home warranty contract term?
No. There are no limits on the number of service requests or covered repairs on your home warranty contract. There are other limitations such as annual dollar amount caps or exclusions that may apply, however. Please see our sample contract for complete terms of coverage and limitations or exclusions.
What is a Trade Service Call Fee?
A Trade Service Call Fee is a deductible that you select upon purchasing your plan and pay per claim on a covered repair. For example, if your approved air conditioner repair comes out to $600, and your Trade Service Call Fee is $95, then you will be responsible for only the $95 and we will pay the balance of $505.
This fee is paid for different trade professionals (such as plumbers, electricians, heating and cooling mechanics, etc) that come to your home. It is not paid per each system that breaks down. For example, if 2 or more of your heating or air conditioning systems break down and the repairs are covered, you will only be responsible for one $95 Trade Service Call Fee since the same technician will diagnose and repair each system. However, if your air conditioner and your shower break down, then you will be responsible for a deductible for each trade since two separate service providers will need to come out to fix the issues.
You can select your Trade Service Call Fee from different available options when purchasing your home warranty contract.
What is the HSC Utility & Service line coverage?
The Home Service Club’s Utility & Service Line coverage is a package plan that expands the coverage beyond the walls of your home. Traditional home warranty plans are designed to cover the systems and appliances within the perimeter of your home, leaving some of the most difficult systems to repair outside the home unprotected. The Utility and Service Line coverage plan covers the main lines outside your home. For details on this package please view our sample contract or visit the Utility & Service Line coverage page.
What does the HSC Utility & Service line package cover?
The Home Service Club’s Utility and Service Line coverage includes the following 6 categories:
- Outside water line coverage
- Outside sewer line coverage
- Outside power/electric line coverage
- Outside gas line coverage
- Grinder pump system
- Sprinkler system/home irrigation line coverage
I am buying a home; can I add the Utility & Service Line coverage to my homebuyer plan?
Yes. The Utility & Service Line package can be added to any HSC plan (homebuyer and homeowner warranty plans alike)
Are there any exclusions or limitations to the Utility & Service Line coverage?
Yes. Just like the other home warranty plans, it covers mechanical or electrical breakdowns that occur due to normal wear and tear. A home warranty does not provide insurance coverage for other perils such as, for example, roots, vermin damage, lightning, insurable events, or other damages due to external factors. For example, if the main underground water supply line in your backyard breaks from normal wear and tear causing the water to leak and your water bill to increase, it would be repaired or replaced with your utility and service line home warranty coverage. However, if the water line is infiltrated by tree roots, it would not be subject to home warranty coverage. For a complete list of conditions, exclusions, and limitations of the Utility & Service Line coverage package please view our sample contract or contact us at (800) 601-1009 with any questions.
How do I use my Utility & Service Line home warranty coverage?
You can simply submit a service request online or call us at (800) 601-1009 to file a claim.
Why don’t the utility companies repair my utility and service lines?
Your utility companies will only repair the parts and sections of the line that the homeowner is not responsible for (which usually consists of the city lines up until the beginning of your property, though it may vary from location to location). If you are unsure about what exterior lines are your responsibility, please contact your municipality or your local applicable utility company.
I have the Utility & Service Line coverage for my home; can I also purchase it for my business?
No, not at this time. Commercial properties are not eligible to purchase home warranty coverage. Only residential dwellings are eligible to buy the Utility & Service Line coverage.
I believe I may have a gas leak, what should I do?
If you suspect that there may be a gas leak:
- Call your gas company or 911 as soon as possible.
- The gas company or the fire department will come to inspect the area and locate the possible gas leak, shut off and red-tag the leaking system(s), shut off the gas to the house, and advise you if it safe to return.
Once this is done, you can file a claim and a specialist will be dispatched to your house.
What are some of the symptoms of broken outside utility or service lines?
Symptoms of broken outside utility or service lines may vary depending on which line is broken. Some symptoms or issues that can be caused are: water leaks in your yard or basement, low water pressure, sewage flooding in your basement or backed up in the yard or the drains inside your home, smell of raw sewage, gas smell and problems with gas fueled appliances (such as ovens, cooktops, dryers), problems with operation of your heating and hot water systems (such as gas furnaces or gas hot water heaters), partial or whole power outages in your home, flickering lights or exposed electrical wiring.
What is an “RE-Pro” Real Estate Home Warranty?
An RE-Pro plan is a home warranty plan designed and available exclusively for residential real estate transactions. Also referred to as the Home Buyer Plan, it can only be purchased as part of the real estate transaction when purchasing a home.
What are the different real estate plans are there?
The Home Service Club offers three different real estate home warranty plans:
Coverage for each of the real estate home warranty plans can be expanded with any of the same optional add-ons available for regular homeowner plans, including The Home Service Club’s utility and service line package.
All RE-Pro plans include the following coverage:
- Undetectable pre-existing conditions
- Lack of routine care & maintenance
- Rust and/or corrosion
- Failure due to improper installations
- Refrigerant reclaim, recapture & disposal
- Permit fees
- Code violation fees
For a side-by-side comparison of our real estate home warranty plans please click here.
How long does an RE-Pro real estate home warranty last for?
Unlike the regular homeowner plans, the real estate home warranty plans can be purchased in one, two, or three year terms.
When does my RE-Pro home buyer home warranty begin?
Your new home buyer home warranty begins on the day of closing without any grace periods.
- Can I continue the same coverage once my real estate home warranty expires?
- I have just moved into my home and a system or an appliance is not working, is it covered?
Is there a limit to how many service requests I can make on my real estate home warranty plan?
No. Same as with HSC’s regular home owner plans, there are no limits on the number of service requests you can file. There are other limitations such as annual dollar amount caps or exclusions that may apply, however. Please see our sample contract for the complete terms of coverage and limitations or exclusions.
Can I transfer my current home warranty to someone who buys my home?
Yes. All HSC home warranty contracts are transferrable to new homeowners or other individuals. To transfer your home warranty contract please contact us at (800) 601-1009.
What happens when I sell my house before active warranty plan expires?
If you sell a covered home before the expiration of the home warranty plan, you can simply transfer it to the new home buyer. To transfer your home warranty please contact us at (800) 601-1009.
How do I purchase The Home Service Club’s real estate home warranty plan?
Once you have compared our RE-Pro home warranty plans, simply ask your real estate agent to arrange for the warranty to be purchased from The Home Service Club. Re-Pro real estate plans are usually paid at closing.
I have already closed on the house; can I still add an RE-Pro home warranty plan?
Yes. However, while regular homeowner plans can be added at any time, the real estate RE-Pro plans must be added within 30 days of the closing date. Once purchased, coverage will then retroactively begin from the date of closing.
How do I request service on my RE-Pro home warranty plan?
Requesting service is easy. Just like on regular home warranty plans, you can request service online at any time or contact us at (800) 601-1009 to file a claim.
- How much does a home warranty from The Home Service Club cost?
I’m a new customer, do I have to sign up for monthly payments or pay for the annual plan upfront?
This is completely up to you. Some customers prefer to pay for the annual plan in full when purchasing it while others prefer monthly installments. Keep in mind that in order for eligible contracts to renew automatically and ensure continuous coverage, your account must be set up with monthly payment. If your contract is paid for upfront, you would have to contact us at (800) 601-1009 or firstname.lastname@example.org before the expiration date to renew.
Besides the cost of my plan, what other expenses can there be?
You will have a pre-selected Trade Service Call Fee (paid towards an approved repair) that you will select at the time of purchase. You will also be responsible for any costs not covered by your home warranty plan.
Which payment methods are accepted?
You can pay for your plan with any major credit card or a check. If you set up monthly payments and wish to pay by check every month, please make sure to allow ample time for the check to arrive to avoid going into bad standing. We suggest using your banks “bill pay” services in such cases. Most customers pay with a credit or debit card.
I sold my home; can the new home-buyer take over the payments?
Yes. You can transfer the warranty to the new buyer and simply update the payment method.
I received my home warranty plan with my home and it was paid for at closing by the seller. Can I still upgrade my plan or add optional coverage?
Yes. You can upgrade your plan or add extra coverage options within the first 30 days of closing. If the original plan was already paid for then you would only be responsible for the difference.
How much do I pay when I have a claim?
You will pay your pre-selected Trade Service Call Fee for any approved repair or replacement. You will choose the amount of your Trade Service Call Fee upon purchasing your plan.
Can I change my Trade Service Call Fee amount on my homeowner home warranty plan?
Yes, as long as it is within the first 30 days of the contract start date.
What is a Trade Service Call Fee?
A Trade Service Call Fee (deductible) is a pre-set, one-time fee that you pay per claim on a covered and approved repair or replacement.
- What are the Trade Service Call Fee amounts available?
Why does The Home Service Club offer three different Trade Service Call Fee options?
Everyone’s home is different - some are older, some are newer, some have been remodeled and some still have old systems and appliances. Having different Trade Service Call Fee options allows us to offer more flexibility to our customers. Choosing a higher Trade Service Call Fee lowers your monthly plan price allowing for a more affordable plan option. Choosing a lower Trade Service Call Fee, on the other hand, increases your monthly premium price but reduces your out-of-pocket expenses on covered repairs.
You may want to choose a lower Trade Service Call Fee if your home has many older systems and appliances and is at a higher risk of breakdowns. This way if you use your plan a lot during the warranty term, you will save on each Trade Service Call Fee. If your covered systems and appliances are newer, however, it may be more beneficial to select a higher Trade Service Call Fee and reduce your monthly payments.
Please note that customers with RE-Pro real estate home warranty plans cannot choose their Trade Service Call Fee.