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HomeServe Reviews, Coverage, and Pricing (2021)

If you’re worried about your home’s systems or appliances breaking down, a home warranty can give you peace of mind and prevent you from paying expensive out-of-pocket repair or replacement costs. HomeServe USA offers home warranties to customers all across the country and provides affordable coverage for systems and appliances.

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A home warranty helps protect your budget by covering repairs or replacements to important home systems and appliances that break down due to normal wear and tear. HomeServe is a nationwide home warranty provider that covers mostly systems, rather than appliances.

We’ll discuss HomeServe’s plans, provide sample pricing for each plan, and analyze the company’s reputation and customer reviews to help you determine if HomeServe is the best home warranty company for you and your home.

Our Take on HomeServe

We rated HomeServe a 7.1 out of 10, and it’s great for consumers looking for a company with diverse plan options. Some highlights include:

  • Plans for individual home systems
  • No service fee for systems plans
  • A team of local, licensed, and insured technicians

Pros and Cons of HomeServe

Pros Cons
Pros Cons
Offers coverage in all 50 states Doesn’t provide a la carte options for appliances
Guarantees repairs for one year Its plans aren’t available in all areas within a state
Has a 24/7 repair hotline Doesn’t provide add-on coverage for pools, spas, or extra appliances

HomeServe Plans & Coverage

HomeServe is somewhat unique in that it offers up to 18 individual plans with varying levels of coverage. For example, if you need coverage for your home’s interior plumbing, you can pick a plan that covers only that system. The catch is that not all plans are available in all areas, so you’ll have to input your ZIP code on the HomeServe website to determine what plans are available in your area.

HomeServe System Plans

If you only need coverage for one or two systems, consider the following options:

  • Exterior water service line: Covers age, corrosion, or ground shifting damage to main water lines
  • Exterior sewer/septic line: Covers clogs or the breakage of your sewer or septic line
  • Exterior pipes: Covers water service and sewer or septic lines
  • Electrical surge: Covers damage to your home electronics
  • Interior plumbing and drainage: Covers leaks, burst pipes, and clogged or blocked drains
  • Interior electrical line coverage: Covers wiring, outlets, light switches, and your fuse box
  • Exterior electrical line coverage: Covers the weatherhead, insulator, riser, meter base, and service entrance conductor
  • Cooling system: Covers your air conditioner
  • Heating system: Covers your furnace and heat pump
  • Heating and cooling system: Covers air conditioners and heaters
  • Water heater repair
  • Water heater repair and replacement
  • Gas line repair: Covers interior or exterior leaks due to aging pipes, valves, or fittings

HomeServe has recently begun offering a single appliance-only plan, called the TotalHome Warranty Appliance Plan. Here’s what’s covered:

  • Built-in microwaves
  • Trash compactors
  • Clothes washers
  • Clothes dryers
  • Kitchen refrigerators
  • Garage door openers
  • Stovetops and ovens
  • Dishwashers

Five of HomeServe’s plans cover three or more items across multiple systems. Compare all five plans below.

HomeServe Combination Plans

Covered Item Home Plumbing and Drainage Home Comfort Complete Plumbing Interior Protection Premium Home Protection TotalHome Warranty Combo
Covered Item Home Plumbing and Drainage Home Comfort Complete Plumbing Interior Protection Premium Home Protection TotalHome Warranty Combo
Water service line
Sewer/Septic line
Interior plumbing and drainage
Interior electrical lines
Exterior electrical lines
Water heater
Gas line

The TotalHome Combo Plan also adds coverage for the following items:

  • Central vacuum
  • Doorbell system
  • Ductwork
  • Garbage disposal
  • Attic and ceiling fans

Optional Add-Ons

HomeServe doesn’t offer add-on coverage.

HomeServe Pricing

Plan pricing will vary based on where you live and your home’s size. The general cost of living in your area is another significant determining factor, and if your home is very large—over 5,000 square feet—you may be charged more for a home warranty.

In general, a home warranty costs between $38.73 and $63.16 per month. The typical service call fee is between $65.36 and $76.38.

Plan Pricing

HomeServe is very up-front with its pricing structure. When you enter your ZIP code on the company’s website, you can receive a free estimate for plans in your area without needing to input any more personal information. Here are the monthly quotes we received for an average-sized home in central Florida:

  • Exterior water service line: $7.95
  • Exterior sewer/septic line: $11.98
  • Exterior pipes: $15.99
  • Interior plumbing and drainage: $11.99
  • Interior electrical line: $11.99
  • Exterior electrical line: $5.49
  • Electrical surge coverage: $3.99
  • Cooling system: $12.99
  • Heating system: $12.99
  • Heating and cooling system: Not available in central Florida
  • Water heater repair: $6.99
  • Water heater repair and replacement: $7.99
  • Gas line: $4.99
  • Home Plumbing and Drainage Plan: $21.98
  • Home Comfort Plan: $29.99
  • Complete Plumbing Plan: $41.99
  • Interior Protection Plan: $55.99
  • Premium Home Protection Plan: $69.99

The TotalHome Warranty Appliance Plan and Combo Plan aren’t available in central Florida. However, here are sample quotes for these plans for residents living in Durham, NC:

  • TotalHome Warranty Appliance Plan: $48.33 per month
  • TotalHome Warranty Combo Plan: $58.33 per month

Service Fees

HomeServe doesn’t charge a service call fee with its system plans. However, any plan that covers appliances, including the TotalHome Appliance and Combo Plan, comes with a $100 service fee. After calling HomeServe and filing a claim, you’ll pay this fee to the technician who comes to your home to diagnose and fix the problem.

HomeServe State Availability

HomeServe is available in all 50 U.S. states, including Washington, D.C. However, not all plans are available in all areas within each state. Because of this, we recommend getting a quote from HomeServe on its website.

HomeServe Reviews

HomeServe has an A+ rating from the Better Business Bureau (BBB), which is based on the company’s transparent business practices and its handling of customer complaints. HomeServe has also been accredited with the BBB since 2014.

Here are a few HomeServe customer reviews:

From placing a service call to follow-up on the work, 10/10. The staff at HomeServe and the repair technician were knowledgeable, professional, cooperative, and professional. [My] problem [was] solved with ease.” — Minesh G. on August 6, 2021

The service is garbage! They told me three different times [that] they would send someone out to light my pilot [light] so I could have hot water to shower. I waited at home a full day with no call from them or the service provider.” — Hoyte P. on July 19, 2021

Our Conclusion

If you want to cover specific home systems, HomeServe may be a good option as it allows you to cover individual items instead of multiple items in one plan. Additionally, HomeServe doesn’t charge a service call fee with its systems plans, making it an affordable choice if you anticipate needing to file a lot of claims.

However, HomeServe may not be right for every homeowner. For example, if you’re looking for comprehensive coverage for as many systems and appliances as possible, you’re better off considering other providers such as American Home Shield. This home warranty company covers major systems and appliances, including your refrigerator, dishwasher, and air conditioning, and covers damage resulting from insufficient maintenance, improper repairs, and pre-existing conditions.

If you’re still not sure about HomeServe, take a look at some of its top nationwide competitors to see how they compare. All of these companies offer free quotes, so consider requesting a few estimates before making a final decision.

HomeServe vs. The Competition

Provider Best for Monthly cost Service fee BBB rating Years in business States covered
Provider Best for Monthly cost Service fee BBB rating Years in business States covered
HomeServe Most Diverse Plan Options $4–$70 $0 or $100 A+ 19 years 50
American Home Shield Best Overall $25–$65 $75–$125 B 50 years 49 states (Not including AK)
Choice Home Warranty Best Basic Plan $47–$55 $85 B 13 years 48 states (Not including CA or WA)
Select Home Warranty Best Value $41–$47 $75 B 9 years 46 states (Not including NV, NY, WA, or WI)
First American Home Warranty Best Appliance Coverage $37–$50 $85 B 37 years 34 states (Not including AK, CT, DE, HI, IL, LA, MN, MA, MN, NH, NJ, NY, ND, RI, VT, WI)
Liberty Home Guard Most Responsive $40–$50 $70–$80 A 3 years 45 states (Not including CA, IL, WA, WI, and WY)

Company Information

  • Company name: HomeServe USA Corp.
  • CEO: Thomas J. Rusin
  • Years in business: 19
  • Telephone: 888-752-6740
  • Address: 601 Merritt 7, Floor 6
  • City/State: Norwalk, CT
  • Zip code: 06851
  • BBB rating: A+

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Our Score Breakdown for HomeServe

Criteria Score
Criteria Score
Plan options 10 / 10
Coverage specifics 7 / 10
State availability 9 / 10
Pricing 6 / 10
Trustworthiness 6 / 10
Customer service 6 / 10
Additional benefits 6 / 10
Total Score 7.1 / 10

Frequently Asked Questions About HomeServe

Do HomeServe plans cover air conditioners?

Yes, several of HomeServe’s warranty plans cover cooling systems. You can purchase this coverage separately or as part of a combination plan. HomeServe plans also include up to $1,500 worth of repairs or replacement parts to capacitors, condensers, fan controls, and most other internal parts of your A.C. unit. Coverage also includes up to one pound of refrigerant, excluding maintenance recharges.

How much does HomeServe cost per month?

HomeServe’s plans vary widely in price, ranging from $3.99 per month to $69.99 per month. HomeServe is one of the few home warranty companies that allows you to pay for coverage for individual items or small groups of home systems.

Is there a waiting period before my HomeServe coverage begins?

HomeServe has a 30-day waiting period before coverage can begin. This waiting period falls in line with the industry average. If you decide you don’t want to keep your home warranty within those 30 days, HomeServe will refund the entire price of your warranty.

How do I file a claim with HomeServe?

When a covered item breaks, you can call the HomeServe repair hotline at 1-866-549-4877 to file a claim 24 hours a day, seven days a week. If you need to file a claim after business hours, you’ll likely have to wait until the next business day before a HomeServe representative can dispatch a technician to your home.

What types of damage does a home warranty cover?

All home warranties cover breakdowns on systems and appliances that fail due to normal wear and tear. If a covered item stops working over the course of normal use, your home warranty provider will pay to repair or replace it. Some companies, such as American Home Shield, cover pre-existing conditions, but most don’t. The following conditions are typically not covered under a home warranty:

  • Accidental damage
  • Neglect or insufficient maintenance
  • Improper repairs or modifications
  • Code upgrades
  • Unusual circumstances often covered by homeowners insurance, such as natural disasters, fire, and theft

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