TOH Rating: 6.97/10

Service Line Warranties of America (SLWA), a HomeServe USA company operating out of Pennsylvania, offers protection plans for your home’s heating, cooling, water, sewer, gas, and electrical lines. This company is separate from local utilities, and the service contracts it provides will cover damage to utility lines that home insurance and local municipalities won’t. Keep reading this review to learn more about plans, coverage, and pricing.

Compare the advantages and disadvantages of Service Line Warranties of America below:

Pros and Cons of Service Line Warranties of America

You only pay a low monthly premium (you don’t have to pay a service call fee)Plans aren’t customizable and cover systems, not appliances
Customers get unlimited calls per yearCustomers can’t choose their own contractor
A+ rating and accreditation from the Better Business Bureau (BBB)Not available in much of the country

Service Line Warranties of America Plans and Coverage

Service Line Warranties offers 10 basic repair plans, each corresponding to a home utility system. When you visit the Service Line Warranties website, you can input your zip code and see the available service line protection programs and plans in your area. Since Service Line Warranties of America doesn’t provide a coverage map, trying to find information on gas line coverage is a hit-and-miss search if it’s not available in your zip code.

Problems with exterior water lines can cause standing water in your yard or basement, which can lead to a number of other issues. Here’s what this plan from Service Line Warranties will cover.

Exterior Water Service Line Coverage

What’s CoveredWhat’s Not Covered
Locating the blockage/collapseWater lines that branch off the main service line
Excavation to expose pipeThawing of frozen pipes
Pipe replacement or repairWater lines shared between multiple properties
Repair or replacement of seals and joints
Fitting external valves
Pipe cutting
Backfilling of areas disturbed by repairs

Although this warranty doesn’t cover the tank itself, it does cover all septic and sewer line repairs and any damage caused to your yard while repairing them.

Exterior Sewer and Septic Line Plan

What’s CoveredWhat’s Not Covered
Locating the blockage/collapseSeptic tanks
Excavation to expose pipeLeach fields
Pipe replacement or repairGrinder pumps
Repair or replacement of seals and jointsLift stations
UnblockingNonconforming drain lines
Fitting external valves
Pipe cutting
Backfilling of areas disturbed by repairs

Burst, blocked, and leaky pipes can cause substantial damage to the inside of your home, so Service Line Warranties technicians are prepared to solve these problems.

Interior Plumbing and Drainage System Coverage

What’s CoveredWhat’s Not Covered
Leaking supply pipe to hot water heaterAppliances
Repair/replace burst interior water pipeFittings or fixtures
Unblocking an overflowing toilet or sink due to a clogged drainSprinkler systems
Leaking wax sealSpigots
Clogged drainGarbage disposals
Pumps or grinders

Although this company doesn’t offer coverage for individual electrical appliances like refrigerators or freezers, it will cover the main electrical system inside your home.

Interior Electrical Line Coverage

What’s CoveredWhat’s Not Covered
Distribution center (panel or fuse box)Service entrance conductors
Faulty wiring to wall lightKnob and tube wiring
Faulty or damaged electrical outletNon-standard or non-permanent materials
Broken light switchDamage due to disconnection from main electrical supply
Faulty or damaged GFCI outletFixtures that must be plugged into an outlet
Faulty wiring to exhaust fan

Just because an electrical line is on the exterior of your home doesn’t mean it’s the city’s job to repair it if it wears out. Here’s what you can expect with exterior electrical line coverage.

Exterior Electrical Line Coverage

What’s CoveredWhat’s Not Covered
WeatherheadDamage due to disconnection from main electrical supply
RiserRepair of low voltage wiring
Meter baseGenerators
Service entrance conductorNon-utility supplied power or lines
Permanent wiringAppliances
High voltage wiringPool heaters
Wiring to detached garagesLight fixtures and fittings

If you have central air conditioning, this plan will cover any major repairs that need to be done to the system.

Cooling System Coverage

What’s CoveredWhat’s Not Covered
Capacitors and circuit boardsAir ducts
Internal fuses or breakersA/C coils
Condensate pumpsRegisters
Condenser motor and fanGrills
Contactor switches and delay timerAsbestos coverings
Fan controls, relays and filter dryerBalancing of system
High and low pressure switchesExternal wiring/parts
Limit controlCompressors and chillers
RefrigerantCondenser casings and coils
Relays, transformers and valvesEvaporator coils
Equipment fusesMetering systems/TXV valves
Fan shafts, belts and relaysThermostats or thermostat wiring
Standard thermostats with sub-base

This plan covers all the major components of a furnace heating system.

Heating System Coverage

What’s CoveredWhat’s Not Covered
Standard thermostats, transformers and wiring circuitryMeter moves or replacement (except when required by code)
Blower bearings, belts, pulleys, motors, shafts and controlsAppliances
Standard air filters and spark ignitersFixtures
Capacitors, equipment fuses and low pressure regulatorsLines not supplied by a utility
Disconnect fan, limit and rollout switches
Main and pilot burners, pilot burner generators and thermocouples

As gas lines age, they can begin to break down, so Service Line Warranties offers a plan specific for gas-heated homes.

Gas Line Coverage

What’s CoveredWhat’s Not Covered
Natural gas supply linesMeter moves or replacement (except when required by code)
Gas safety shutoff valveAppliances
Sections of pipe furnaceFixtures
Sections of natural gas supply pipeLines not supplied by a utility

Most home warranty companies consider a water heater as its own system and provide separate coverage for it—Service Line Warranties is no exception.

Water Heater Repair Plan

What’s CoveredWhat’s Not Covered
Burner supply tube and assemblyJacket and interior doors
Drain and gas valvesExhaust venting
Pilot lightExpansion tanks
Temperature controlNon-flexible piping
Main burnerElectrical service wiring

There does not appear to be any add-on or customizable options with this home warranty company—you may only choose from the warranty plans that the company offers in your location. However, you can purchase packages that combine the company’s heating and cooling plans in some locations.

Service Line Warranties of America Pricing

Service Line Warranties of America is unique in that your premium is all you pay. Typically, you would have to pay a service call fee every time a technician comes to inspect a problem if you have home warranty coverage. However, with Service Line Warranties, you’re required to pay only a monthly premium.

The premium will vary by geographic area, but as an example, here are the prices and maximum payouts for the Wyncote, PA, zip code, 19095.


Type of PlanMonthly PremiumAnnual BenefitMax Cost per CallMax Calls per Year
Exterior Water Line Coverage Service$5.99$7,000NoneUnlimited
Exterior Sewer and Septic Line Plan$6.24$10,000$1,000Unlimited
Interior Plumbing and Drainage System Coverage$11.99$5,000$2,5002
Plumbing and Drainage Coverage$14.49$12,000$2,500 interior, $3,500 exterior2 interior, 2 exterior
Interior Electrical Line Coverage$6.49$4,000$2,0002
Exterior Electrical Line Coverage$5.49$3,000NoneUnlimited
Cooling System Coverage$11.49$1,750NoneUnlimited
Heating System Coverage$11.49$1,750NoneUnlimited
Gas Line Coverage$4.99$8,000NoneUnlimited
Water Heater Repair Plan$6.99Unlimited$750Unlimited

Note: Service Line Warranties offers discounts in some locations. For example, in this zip code, the company offers the first year of its Exterior Septic/Sewer Line plan for 50% off—it would normally be $12.48 a month. Purchasing a combo plan, if one is available in your area, may also save you money over purchasing both plans separately.

How to File a Claim with Service Line Warranties of America

Service Line Warranties of America customers can call 866-922-9006 at any time to submit a claim.

The company will dispatch one of its contractors to repair or replace the faulty part, as long as it’s covered by your plan. There’s no need to pay the technician—you will only need to sign off on the service line repairs, and Service Line Warranties will pay the contractor.

Service Line Warranties of America Reviews

Service Line Warranties of America has been an accredited business with the Better Business Bureau (BBB) for 14 years, and it maintains an A+ rating based on its handling of customer complaints. Despite its rating, Service Line Warranties of America has a mix of positive and negative reviews, as any good home warranty company will have. Here is what some of the company’s customers had to say.

“Service Line Warranties are true to their word. We were having major water leak problems in our yard and they continued to send help until the issues were dissolved. We can’t say enough great things about [their] service and policies.” — Ken R., 1/28/20, 5 stars</p</

“Service prompt and results satisfactory.” — Linda M., 5/26/19, 3 stars

“They have charged me for 4 properties but have NEVER sent me a policy even though I keep requesting, calling, begging for them to send us our paperwork!” — Debbie E., 5/13/19, 1 star

Service Line Warranties of America Company Information

Service Line Warranties of America is the official provider for the National League of Cities Service Line Warranty Program, and the NLC Service Line Warranty Program is administered by SLWA parent, Utility Service Partners, Inc. Service Line Warranties of America and Utility Service Partners are part of HomeServe USA Corp, a company providing home repair solutions in the United States and Canada.

Our Conclusion

The This Old House Reviews Team gives Service Line Warranties of America a 6.97/10. Service Line Warranties provides coverage for plumbing, sewer, gas, and electric systems and charges low premiums and no service call fees. The maximum caps on repair payouts are high and the claims process is simple. However, the company only covers some of your home’s systems and is available in only a few states.

This Old House’s Top Pick: American Home Shield

Our team rated more than 50 home warranty companies and found that American Home Shield is the best on the market. Its extensive plan options, nationwide availability, and five decades of experience make it a worthwhile investment for homeowners.


Our Preferred Provider: American Home Shield

If you’re able to spend a little more each month, you can obtain repair coverage for the systems and major appliances in your home. We recommend American Home Shield (AHS), a home warranty provider with nearly 50 years in the business. AHS offers plenty of extra options for coverage, 24/7 customer service, and plans that are available everywhere in the U.S. except Alaska.

Instead of plans separated by utilities, American Home Shield offers a plan that covers all systems, another plan that covers all appliances with those systems, and the ShieldPlatinum™ plan that covers both systems and appliances with additional benefits like free roof leak coverage.

American Home Shield Plan Options

Systems and AppliancesShieldSilver™ShieldGold™ShieldPlatinum™
Air Conditioning
Heating System
Smoke Detectors
Ceiling Fans
Plumbing and Stoppages
Water Heaters
Water Dispensers
Central Vacuums
Ranges, Ovens, and Cooktops
Clothes Washer
Clothes Dryers
Built-In Microwave
Trash Compactors
Freestanding Ice Maker
Garage Door Opener
Built-In Food Centers
Coverage Boost
Roof Leak Coverage

Additionally, you can choose to augment any of the above plans with coverage for these other amenities.

  • Pools and spas
  • Well pumps
  • Septic pumps
  • Guest houses
  • Extended electronics warranties

Ultimately, we recommend American Home Shield for its customizability and wider variety of coverage options.

For a free quote, call 844-529-9298 or fill out this simple form.

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.

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