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


Best Home Warranty Companies of 2022

The home warranty companies with the best ratings include the following:


Pros and Cons of HomeServe

✔ Has a 24/7 repair hotline
✔ Offers a variety of different plan and individual options
✔ Guarantees repairs for one year

✘ 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. 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 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

ProviderBest forMonthly costService feeBBB ratingYears in businessStates covered
HomeServeMost Diverse Plan Options$4–$70$0 or $100A+19 years50
American Home ShieldBest Overall$25–$65$75–$125B50 years49 states (Not including AK)
Select Home WarrantyBest Value$41–$47$75B9 years46 states (Not including NV, NY, WA, or WI)
First American Home WarrantyBest Appliance Coverage$37–$50$85B37 years34 states (Not including AK, CT, DE, HI, IL, LA, MN, MA, MN, NH, NJ, NY, ND, RI, VT, WI)
Liberty Home GuardMost Responsive$40–$50$70–$80A3 years48 states (Not including WA, WI)


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

Our Score Breakdown for HomeServe

Plan options10 / 10
Coverage specifics7 / 10
State availability9 / 10
Pricing6 / 10
Trustworthiness6 / 10
Customer service6 / 10
Additional benefits6 / 10
Total Score7.1 / 10


Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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