Home Warranty of America vs The Home Service Club
Higher repair limits vs no age limits
We may earn a commission from links on this page - it never affects our rankings (how we stay objective).
The verdict
8.7/10 vs 8.3/10
Home Warranty of America is the stronger pick for most people - Up to $5,000 on most repairs. Full reasoning, pricing and the cases where The Home Service Club wins are below.
| At a glance | Home Warranty of America | The Home Service Club |
|---|---|---|
| Starting price | ~$48-$61/mo (sample quote) | ~$54-$67/mo |
| Service fee | ~$100 per visit | ~$65-$125 |
| Plans | Premier, Premier Plus | Standard, Comprehensive |
| Coverage caps | Up to $5,000 on most repairs | $300-$2,000 per item; $6,000-$9,000 per year |
Prices are the providers’ published rates at our last verification - confirm the final figure at checkout, as offers change. How we verify prices
Nationwide coverage with up to $5,000 on most approved repairs and 13-month contracts
- Premier & Premier Plus plans
- Up to $5,000 on most repairs
- Available in all 50 states
Two straightforward plans with no age limit on covered systems and appliances
- Standard & Comprehensive plans
- No age limit on covered items
- Up to 33 covered items
The full breakdown
Home Warranty of America vs The Home Service Club: a closer look at each
Both are credible providers in this category, and the right pick comes down to fit. So instead of crowning a “winner,” here’s the real rundown on each - what you get, what it actually costs, and what real customers are saying - so you can pick the one that fits you.
What is Home Warranty of America?
Home Warranty of America (HWA) has operated since 1996 and was acquired by Choice Home Warranty in 2022, though it still sells its own plans. For homeowners it offers Premier (which excludes air conditioning) and Premier Plus (which covers all major systems and appliances including AC); real estate plans are sold through agents.
Read the full Home Warranty of America breakdown▾
This review covers HWA's plans, cost, limits and who it suits.
What you get with Home Warranty of America
- Premier and Premier Plus consumer plans
- Up to $5,000 on most approved repairs (lower limits on some items)
- 13-month contracts
- Available in all 50 states
- 24/7 online and phone claims
- 30-day workmanship guarantee
Who Home Warranty of America is best for
- Homeowners in states other brands don't serve
- Buyers who want a higher repair limit at a mid-range price
- Anyone who wants a simple two-plan choice
How much does Home Warranty of America cost?
Approximate only.
Full pricing details▾
A ConsumerAffairs sample quote (Texas, $100 service fee) put Premier at about $550 a year (~$48/mo) and Premier Plus at about $700 a year (~$61/mo). Reported cancellation terms allow a full refund within 30 days and a prorated refund after that, minus the lesser of $30 or 10%.
Get a quote for your address.
Premier
Major systems and appliances, excluding air conditioning
Sample quote
- No AC coverage
Premier Plus
All major systems and appliances including AC
Sample quote
- Includes AC
- Up to $5,000 most repairs
What we like about Home Warranty of America
- Available in every state
- Higher repair limit than many budget brands
- 13-month contract gives an extra month
- Simple two-plan consumer lineup
Worth keeping in mind
- Short 30-day workmanship guarantee
- Poor ratings on some review sites (e.g. ConsumerAffairs)
- Lower limits on rust- and corrosion-related plumbing and electrical repairs
- Waiting-period details vary by source - confirm in your contract
What is The Home Service Club?
The Home Service Club has sold home warranties since around 2008-2009. Its pitch is simplicity and inclusiveness: two plans - Standard (18 items) and Comprehensive (33 items) - and no age limit on covered systems and appliances.
Read the full The Home Service Club breakdown▾
This review covers its plans, cost, limits and who it suits.
What you get with The Home Service Club
- Standard (18 items) and Comprehensive (33 items) plans
- No age limit on covered systems and appliances
- Per-item caps mostly $300-$2,000
- Annual aggregate cap of ~$6,000 (Standard) or ~$9,000 (Comprehensive)
- 30-day money-back guarantee
- Online and phone claims
Who The Home Service Club is best for
- Homes with very old systems or appliances
- Homeowners who want a long covered-item list
- Buyers who understand and accept the caps
How much does The Home Service Club cost?
Approximate only.
Full pricing details▾
The Standard plan has been listed from about $54 a month ($650 a year) and Comprehensive from about $67 a month ($799 a year). Service fees range from about $65 to $125.
Confirm current pricing on the company's site.
Standard
18 systems and appliances including HVAC, plumbing, refrigerator, washer/dryer
Listed
- ~$6,000 annual cap
Comprehensive
33 systems and appliances
Listed
- ~$9,000 annual cap
What we like about The Home Service Club
- No age limit on covered items
- Simple two-plan structure
- 30-day money-back guarantee
- Comprehensive plan covers a long item list
Worth keeping in mind
- Low per-item caps, plus an annual aggregate cap
- Recent Trustpilot snapshots are low
- Complaints about low cash-out offers and slow refunds
- Waiting period and state details not clearly published
Home Warranty of America vs. The Home Service Club: What’s the Difference?
The key differences to consider when comparing the two providers.
| Home Warranty of America | The Home Service Club | |
|---|---|---|
| Starting price | ~$48-$61/mo (sample quote) | ~$54-$67/mo |
| Service call fee | ~$100 per visit | ~$65-$125 |
| Plans | Premier, Premier Plus | Standard, Comprehensive |
| Coverage caps | Up to $5,000 on most repairs | $300-$2,000 per item; $6,000-$9,000 per year |
| Waiting period | 30 days (reported) | 30 days (reported) |
| Not available in | None - all 50 states | None reported |
| In business since | 1996 | ~2008 |
So which one should you pick?
Find the line that sounds like you - that’s your answer.
Here’s the short version
HWA and The Home Service Club are mid-priced alternatives to the biggest brands. HWA offers higher repair limits and nationwide availability; The Home Service Club covers items regardless of age.
Here's how they compare.
The quick answer
Go with Home Warranty of America if you want
- Up to $5,000 on most repairs
- All 50 states
- 4.0 on Trustpilot
The Home Service Club makes more sense if you want
- No age limit on items
- Lower service fee options
- Comprehensive plan covers 33 items
Had to pick one for most people? Home Warranty of America. The numbers and customer feedback below are why - and where The Home Service Club wins instead.
HWA vs The Home Service Club: FAQs
Which is better, HWA vs The Home Service Club?
Home Warranty of America wins on limits (up to $5,000 on most repairs), 50-state availability and a better Trustpilot record. The Home Service Club suits homes with very old equipment, within its lower caps.
Which has better coverage, Home Warranty of America or The Home Service Club?
HWA's reported $5,000 repair limit beats The Home Service Club's mostly $300-$2,000 per-item caps.
Older equipment: Home Warranty of America or The Home Service Club?
The Home Service Club covers items regardless of age.
Which has better customer reviews, Home Warranty of America or The Home Service Club?
HWA shows ~4.0 on Trustpilot; The Home Service Club's recent snapshots are far lower.
Is Home Warranty of America cheaper than The Home Service Club?
Both sit in a similar ~$48-$67/mo range.
Related Comparisons
Sources & methodology
We built this comparison of Home Warranty of America and The Home Service Club from each provider's own published pricing, plans and sample contracts, cross-checked against regulator and public-record sources, and read alongside real customer feedback. Prices and plan details were verified against the provider's published information; we do not take providers' word for their own claims without checking.
Provider information
Pricing, plans, caps and contract terms, checked against each provider's own site.
- Home Warranty of America - full pricing & plan breakdown
- The Home Service Club - full pricing & plan breakdown
Provider data checked October 2026
Customer & community feedback
Third-party signals shown on this page and in our full reviews: Trustpilot ratings and Better Business Bureau records, as captured on the dates we note. We report what these sources say - we never fold their ratings into our own scores.
Regulatory & public-record references
- 1.Attorney General Mayes Announces $11.8 Million Settlement with Choice Home Warranty - Arizona Attorney General - February 2026
- 2.Frontdoor, Inc. Completes Acquisition of 2-10 Home Buyers Warranty - Frontdoor, Inc. via Business Wire - December 2024
- 3.Frontdoor, Inc. Quarterly Report (Form 10-Q), Q2 2026 - U.S. Securities and Exchange Commission (EDGAR)
- 4.American Home Shield plans - American Home Shield
- 5.Choice Home Warranty user agreement - Choice Home Warranty
- 6.Select Home Warranty terms and conditions - Select Home Warranty
- 7.The Home Service Club pricing and plans - The Home Service Club
Last reviewed October 2026. We revisit comparisons when providers change their pricing or policies. This page is information only and is not legal, insurance or financial advice - always read the full contract before buying a plan.