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HomeServe Review (February 2024)

Author Icon By Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 01/29/2024

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 out-of-pocket costs. HomeServe USA offers home warranties to customers across the country and provides affordable coverage for systems and emergency home repairs.

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 4.2 out of 5 stars, 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

Summary of the Best Home Warranty Companies

Best For Monthly Cost Service Fee BBB Rating Link
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$59 $65–$125 A VISIT SITE
American Home Shield American Home Shield Best for Comprehensive Coverage $29–$89 $100–$125 B VISIT SITE
Select Home Warranty Select Home Warranty Best Value $44–$47 $60–$75 B VISIT SITE
AFC Home Club AFC Home Club Best for Customization $38–$64 $75–$125 B VISIT SITE
First American Home Warranty First American Home Warranty Best Appliance Coverage $42–$82 $75–$125 B VISIT SITE
Elite Home Warranty Elite Home Warranty Flexible Coverage $44–$58 $70 A+ VISIT SITE
Cinch Home Services Cinch Home Services Best Additional Perks $30–$56 $100–$150 B VISIT SITE
2-10 Home Buyers Warranty 2-10 Home Buyers Warranty Cheapest Appliances Plan $27–$70 $65–$100 A- VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost $49–$59
Service Fee $65–$125
BBB Rating A
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost $29–$89
Service Fee $100–$125
BBB Rating B
Select Home Warranty
Logo Select Home Warranty
Best For Best Value
Monthly Cost $44–$47
Service Fee $60–$75
BBB Rating B
AFC Home Club
Logo AFC Home Club
Best For Best for Customization
Monthly Cost $38–$64
Service Fee $75–$125
BBB Rating B
First American Home Warranty
Logo First American Home Warranty
Best For Best Appliance Coverage
Monthly Cost $42–$82
Service Fee $75–$125
BBB Rating B
Elite Home Warranty
Logo Elite Home Warranty
Best For Flexible Coverage
Monthly Cost $44–$58
Service Fee $70
BBB Rating A+
Cinch Home Services
Logo Cinch Home Services
Best For Best Additional Perks
Monthly Cost $30–$56
Service Fee $100–$150
BBB Rating B
2-10 Home Buyers Warranty
Logo 2-10 Home Buyers Warranty
Best For Cheapest Appliances Plan
Monthly Cost $27–$70
Service Fee $65–$100
BBB Rating A-

Pros and Cons of HomeServe

Pros Has a 24/7 repair hotline Offers a variety of different plan and individual options Guarantees repairs for one year
Cons Doesn’t provide a la carte options for appliances Plans aren’t available in all areas 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:

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

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

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

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

HomeServe Combination Plans

Covered ItemHome Plumbing and DrainageHome ComfortComplete PlumbingInterior ProtectionTotalHome Warranty ComboPremium Home Protection


Interior electrical lines



Water heater

Gas line

Interior plumbing and drainage

Water service line

Sewer/Septic line

Exterior electrical lines

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

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

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–$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:

  • Complete Plumbing Plan: $41.99 per month
  • Home Comfort Plan: $29.99 per month
  • Home Plumbing and Drainage Plan: $21.98 per month
  • Interior Protection Plan: $55.99 per month
  • Premium Home Protection Plan: $69.99 per month
  • TotalHome Warranty Appliance Plan: $48.33 per month
  • TotalHome Warranty Combo Plan: $58.33 per month

Here’s the monthly cost for coverage on individual items:

  • Cooling system: $12.99
  • Electrical surge coverage: $3.99
  • Exterior electrical line: $5.49
  • Exterior pipes: $15.99
  • Exterior sewer/septic line: $11.98
  • Exterior water service line: $7.95
  • Gas line: $4.99
  • Heating system: $12.99
  • Interior electrical line: $11.99
  • Interior plumbing and drainage: $11.99
  • Water heater repair and replacement: $7.99
  • Water heater repair: $6.99

Note: Coverage for heating and cooling systems is not available in central Florida.

Service Fees

HomeServe doesn’t charge a service call fee with its system plans. This may be because it’s easier to diagnose and obtain necessary parts for systems. 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:

“We had a leaking pipe on an interior line. I called HomeServe on a Monday and had a plumber there by the next day. It was not a huge leak so it was not an emergency call. It was an incredibly easy process. The plumbers came out, fixed the pipe, and were on their way and I did not have to pay a cent. I have been telling everyone how convenient and easy it was to use the service and how glad I am that we decided to go with the interior line coverage.” — Patricia W. on June 23, 2022

I placed a claim to clean out my drain pipe on Thursday and was told I would be contacted and serviced within 24 hours. Now it’s Sunday and after me placing 6 follow up calls there is no work order in place. They say they’re L2 department are still trying to find a company to do the job. Very discouraging!!! — Jeffery F. on January 30, 2022

“The HomeServe representative handled my service call with patience, friendliness and was knowledgeable in answering my questions. No hassles and I didn’t have to call back. The company they referred us to was sent out in a very timely manner. He too was very nice and completed the repairs very quickly. We were very pleased with the service HomeServe provided from start to finish.” — Nicole S. on March 17, 2022

“First time using HomeServe and everything ran smooth from beginning to end. The customer service rep was very friendly and helpful. She said the plumbing Co. would call me soon to set up an appt. They called under 30 minutes, came the the next day only because I wasn’t available the same day, and fixed the problem within an hour. It was a very easy process, and so far we are very happy.” — Debbie T. on July 8, 2022

“Very pleased. One call to customer service set all in motion. Their local vendor contacted us the next morning (our original call being placed on a Sunday afternoon), scheduled a service call for first thing the following morning. Technician arrived on time, promptly determined the issue, resolved our constriction (outside the house, beneath entryway by driveway). So glad this coverage exists in our area.”  Jim B. on March 17, 2022

“I’m on my 8th phone call with home serve. 2 visits from plumbers and my 4th day without a functioning sewer system that still backs up. Homeserve will answer the phone 24/7 but will NOT provide 24/7 plumbing services. They do not do emergency repairs. They only fit you into the plumbers regular schedule. This has been a nightmare & this is YOUR warning to run away & find a better business!!!” — Tyler K. on January 17, 2022

“Homeserve is well worth the money. They were very professional. They didn’t ask me a thousand questions like some warranty companies, they just wanted to know what I was experiencing. They didn’t delay getting me in touch with contractor to schedule my repair. Contractor was on time and appears to have done a great job. I will recommend Homeserve to my family and friends or whoever.” — Oberie C. on February 25, 2022

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 unknown preexisting 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.

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-

Frequently Asked Questions

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 unknown preexisting 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

Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
    • Claims process
    • Guaranteed response time
    • Service flexibility

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.