HomeServe Review

HomeServe offers a variety of home warranty programs to fit different needs

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HomeServe
Investopedia’s Rating
4.5

Our Take

HomeServe USA Corp. was established in 2003 and offers a number of home warranty plans that are designed to fit a variety of homeowner needs and budgets. The company currently serves more than 4.4 million customers in the U.S. and Canada, partnering with over 600 municipal, utility and association providers. 

HomeServe has a lower volume of complaints compared to other home warranty companies, suggesting higher levels of customer satisfaction. Here's what you need to know about HomeServe to help decide if it's right for you.

  • Pros & Cons
  • specifications
Pros & Cons
Pros
  • Warranties available in all 48 contiguous United States

  • Service fee is much lower compared to competitor fees

  • Comprehensive coverage available for up to 18 home appliances and systems

Cons
  • Homeowners can't choose their own contractor

specifications
Website
https://www.homeserve.com/en-us/
Year Founded
2003
Average Annual Cost
$565.24
Service Fees
$0
Response Time
2 hours
Payout Cap
$10,000,000 Annual
Coverage Area
AL, AR, AS, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY
Out of Network Technician
No
Pricing Available Online
No
Sample Contract Available
Yes
Waiting Period
Yes
Why Trust Us Investopedia collected key data points from several home warranty providers to identify the most important factors to customers. We used this data to review each provider for cost, availability, coverage options, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right decision for their needs. Read our Full Methodology
38 Providers reviewed
35 Criteria considered
875 Data points analyzed
59 Primary data sources used

Company Overview

HomeServe was founded in 2003 and is headquartered in Norwalk, Connecticut. The company serves homeowners in both Canada and the United States, with home warranty options that cover up to 18 home appliances and systems. Covered systems can be repaired or replaced, up to the benefit amount specified by the policy, regardless of age or brand. HomeServe plans are available in the lower 48 states

States Covered

HomeServe operates in the lower 48 states. Coverage is not available in Alaska or Hawaii.

Available Plans

HomeServe offers multiple home warranty options that offer varying degrees of coverage. This includes system-specific core plans and combo plans. For example, HomeServe core plans can cover repairs up to the coverage limit for issues involving your home's plumbing and drainage systems. This includes simple repairs, such as clogged toilets, and more advanced repairs involving septic lines or burst pipes. There's also core coverage for interior and exterior electrical systems and heating and cooling systems, including furnaces and air conditioners. 

Combo plans can offer even more comprehensive coverage. For example, the TotalHome Warranty Appliance Plan covers eight of the most-used home appliances. The TotalHome Warranty Combo Plan will cover eight appliances and 10 home systems. Meanwhile, the Premium Home Protection Plan covers six home systems, including sewer/septic line service, water service lines and HVAC systems. 

There's also a Complete Plumbing Repair Plan, which covers five home systems, including interior plumbing and drainage, HVAC systems and gas lines. The Interior Protection Plan covers five home systems while the Home Comfort Plan covers three home systems, including HVAC, gas lines and water heater repairs. Here's how coverage compares for three of the most popular combo plan options.

System/Item TotalHome Warranty Appliance Plan TotalHome Warranty Combo Plan Premium Home Protection Plan
Plumbing System ✓ (Internal)
Plumbing Stoppages
Toilets
Gas line
Septic and sewer line
Ductwork
Central Vacuum
Central Heat
Garbage Disposal
Electrical ✓ (Interior)
Water Heater
Attic Fan
Ceiling fan
Dishwasher
Range/Oven/Cooktop
Built-in Microwave
Trash Compactor
Air Conditioner
Comprehensive Option
Washer/Dryer/Refrigerator
Garage door opener

HomeServe plans do not allow you to choose your own contractor or repair person.

Real Estate Plans

In addition to plans for homeowners, HomeServe offers services for real estate agents. Agents can choose between two home warranty options for their clients: Essential and Premier. The Essential Plan covers a variety of home systems and appliances, including interior plumbing and electrical, appliances, cooling and heating systems. The Premier Plan is more comprehensive, with coverage extended to a wider range of systems and appliances. 

HomeServe does not offer warranty plans for home sellers at this time. 

Plan Pricing

HomeServe plan pricing is location-specific. To get an idea of what you might pay for a plan, you'll need to choose a coverage option from the website and enter your zip code to get a quote. 

For example, we secured a coverage quote for California, using the 90650 zip code. Here's how prices compare for three combo plans. 

  • TotalHome Warranty Appliance: $463.92/yr
  • TotalHome Warranty Combo: $559.92/yr
  • Premium Home Protection: $671.88/yr

We attempted to obtain similar quotes for Florida, New York and Texas but were told that combo plans are not available in those states. Overall, we determined that the average plan cost was $565.24 per year, based on the information we were able to collect. Combo plans have a $100 service fee.

Compared to other home warranty companies, HomeServe offers affordable pricing and plans are customizable so you can tailor your coverage to your needs. But in terms of transparency, other companies make pricing more accessible and easier to understand.

HomeServe doesn't offer add-on coverage for pools, spas and other types of non-covered appliances.

Types of Damage Covered

HomeServe warranty plans cover types of damage that may not be covered under a standard homeowners' insurance policy. The types of events that may be covered by a HomeServe warranty plan include:

  • Normal wear and tear
  • Simple repairs, such as a clogged toilet
  • Emergency repairs
  • Accidental damage (for appliances)

Again, your coverage will depend on the terms of your policy. Before finalizing the purchase of a HomeServe warranty or any other home warranty, it's important to review the fine print so you understand what's covered and what's not. 

Plan Exclusions

While HomeServe offers comprehensive warranty plans, coverage is not exhaustive and there may be exclusions that you'll need to be aware of. The terms of your policy should specify which types of repairs or damage are not covered. 

Generally, HomeServe warranty exclusions include:

  • Damages, losses or expenses resulting from negligence
  • Damages resulting from unusual circumstances, including natural disasters acts of God, war, riots or acts of terrorism
  • Appliance failures caused by explosions, chemical build-ups, rust, corrosion or repairs already covered by a service contract, manufacturer's warranty or insurance policy
  • Corrections or upgrades to appliances that are not necessary repairs
  • Appliances that are intended to be used indoors but are left outdoors and exposed to weather damage
  • Damages resulting from environmental contamination
  • Costs associated with removing appliances or creating suitable space in your home to house them
  • Repair costs shared with a third-party, such as a condo association or HOA
  • Appliance removal costs
  • Any other cost not specifically covered by the policy

HomeServe does not cover plumbing or drainage systems located under concrete slabs.

Payout Caps and Limitations

Home warranty plans typically have caps and limitations on what they'll cover. HomeServe benefits vary by plan. Here are some examples of the maximum benefits offered per term.

System Coverage limit per term
Attic, ceiling and exhaust fans $500
Central vacuum system $1,000
Cooling and heating systems $1,750
Doorbell $1,000
Ductwork $1,000
Electrical systems $1,500
Garage door opener $1,000
Garbage disposal $500
Interior plumbing $2,000
Refrigerators $2,000
Sewer/septic lines $10,000

Repair Time

HomeServe’s emergency repair hotline is open 24 hours a day, seven days a week, including holidays. The average claim response time is two hours. You don't have the option to choose your own repair person or contractor once you file a claim with HomeServe. Instead, you'll be connected with one of the company's more than 600 partner service providers. 

We were unable to determine the average length of time to resolve a claim. It's also worth noting that a 30-day waiting period applies before new claims can be filed. That means if you purchase a one-year contract with HomeServe, claims are only accepted during the 11-month period following the 30-day waiting period. 

Customer Service and Claims Process

HomeServe customer support is available by phone, live chat or secure message. If you need to file a claim, you can do so by calling 1-855-336-2465. The average response time for filing claims is two hours. 

To file a claim, HomeServe will need:

  • Your name
  • Address of the property
  • Policy number

You'll also need to provide a detailed description of the damage. HomeServe encourages you to file claims as promptly as possible after damages occur in order to get the repair process underway if you have a covered event. 

Customer Satisfaction

Investopedia surveyed current HomeServe customers to gauge overall customer satisfaction. On a scale of 0 to 5, with 5 being extremely satisfied, HomeServe customers rated the company a "4" for their experience requesting service and for the overall quality of repairs. Sixty percent of those surveyed indicated that they had renewed or planned to renew their warranty plans with HomeServe. 

HomeServe vs. the Competition

HomeServe is not the only option for getting a home warranty. As part of our HomeServe review, here's a look at how it compares to another competitor, American Home Shield.

  American Home Shield HomeServe
Cost $579.88 per year (average $565.24 per year (average)
# of Plans Available Three Three core plans, six combo plans
Support 1-833-846-3960 1-855-336-2465, live chat, secure message
Service Fee $100 (average) $100 (average); $0 for single-item subscription plans
States covered 48 states, excluding Alaska and Arkansas 48 states, excluding Alaska and Hawaii

HomeServe vs. American Home Shield

American Home Shield is another home warranty company that's been around since 1971. In terms of cost, HomeServe plans are more affordable compared to those offered by American Home Shield. And there are more plans to choose from overall. But American Home Shield does offer a few advantages, including the option to choose your own repair person.

Our Verdict

HomeServe could be a good fit for any homeowner who wants to prepare for inevitable home repair emergencies and reduce the inconvenience when they do occur. This home warranty option is most effective for individual item repair plans, financial planning for home emergencies and locating reputable contractors. The results of our customer satisfaction survey seem to indicate that overall, people who purchase warranty plans with HomeServe are happy with their choice.

In terms of drawbacks, the lack of transparency around pricing is something to consider. Additionally, the number of coverage options may be a little overwhelming if it's your first time purchasing a home warranty. The upside is that it's easy to get a price quote online and you can contact HomeServe customer service by phone or live chat to get answers to any questions you might have before you decide to buy.

HomeServe FAQs

How much does the plan cost?

HomeServe plan costs vary by location. You'll need to provide your zip code to get more details on the plans available in your area and the estimated cost. 

What does the plan cover?

Warranty coverage is plan-specific but generally, HomeServe plans cover damages related to normal wear and tear. Plans that include appliance coverage can also cover accidental damage. 

What does the plan not cover?

Generally speaking, HomeServe plans do not cover damage resulting from negligence, natural disasters, acts of God, wars and acts of terrorism. Individual policies may include additional coverage exclusions. 

How much is the monthly fee?

The average monthly fee ranges from $4.99 to $31.58 per month. 

Can you cancel the plan for free?

Yes, you can cancel a HomeServe home warranty plan at any time, with no cancellation fee. 

How do you file a claim?

You can file a claim with HomeServe by calling 1-855-336-2465. The emergency hotline is available 24 hours a day, 7 days a week, including holidays. 

Methodology

There are several aspects to consider when evaluating a home warranty company and its coverages. To assist in your decision process, our methodology for reviewing home warranties includes a quantified scoring system that evaluates four major categories - total plan cost, coverage and support, customizability and transparency. Within those four major evaluation categories we look at 18 core features that include annual plan fees and service fees, claim response times, payout caps, states available, contract length range, customizable coverages, ability to use own repair person, free cancelation, plan pricing, plan exclusions and other plan provisions available online. We assign fractional score values ranging from 0.00 to 1.00 points for each feature and then weight those feature values according to subject matter expert advice and consumer survey importance ranking.  We also compare features for each company to industry average values determined from our data collection for the top 25 home warranty providers. Third-party ratings and customer satisfaction scores are factored in to help assess a home warranty company’s overall quality, suitability and value.