HomeServe USA Review: 2022

A home warranty can give you peace of mind and prevent you from spending on out-of-pocket repair costs. However, not all home warranties provide the same coverage and benefits. We’ll take you through this comprehensive HomeServe USA review step by step, so you can determine whether it is worth your money and brings peace of mind to you.

This detailed review should help you:

  • Identify the best coverage plan for your needs.
  • Determine the standard of service provided by HomeServe USA.
  • Find out the utility associations available in your area.  

prosPerks :

  • Offers an extensive list of services
  • Provides services in all 50 states
  • Has a 24/7 available customer support

consDrawbacks :

  • No coverage for pool & spas
  • No option to transfer contract

Disclosure: We may receive a commission for quotes accepted by the customers, but this has no bearing on the legitimacy of our review process.

Our Opinion 

HomeServe USA has provided home warranty services to homeowners and real estate pros for over 15 years. Due to its round-the-clock customer support and low-priced home warranty plans, the company holds an A+ BBB rating and is a trusted provider. We believe it can be ideal for people looking for a separate emergency repair service that is effective and affordable. 

HomeServe Cost

The total cost of the HomeServe home warranty plan may vary depending on the selected plans, partner, added discounts, and area of residence. It claims its home repair plans start from $7.99 per month, but this price may not be the same in every state.

Here, we’ve provided an average breakdown of monthly costs for California. Have a look:


Monthly Cost

Exterior Water Service Line


Exterior Sewer/Septic Line


Interior Plumbing & Drainage


Exterior Water Service Line


Cooling System


Heating System


HVAC Combo


Water Heater Repair


Water Heater Repair & Replacement


Gas Line


Interior Electrical Line


Exterior Electrical Line


Home Plumbing & Drainage


Complete Plumbing


TotalHome Warranty Combo


TotalHome Warranty Appliances


Premium Home Protection


Heating and Cooling


Home Comfort


Interior Protection


Note: Prices vary as per your area; it is recommended to enter your exact location for best results.


Apart from the monthly premiums, you must pay the service fee or deductible listed on the declaration page. You must pay this amount to the company or technicians during each service visit. This amount can range anywhere from $0 to $100 and is non-refundable.  

Want prices customized & suited for your needs? - Get A Free Quote 


HomeServe may offer you a 20 – 50% discount on home warranty plans depending on the chosen services and location.

Note: Before the services begin, validation checks are carried out. HomeServe USA may charge your credit card or debit card for this purpose. Note that this payment is made only once and is non-refundable.

HomeServe Plans & Coverage

HomeServe USA offers different home warranty plans along with the à-la-carte option, where you can purchase separate services for home systems. The homeowners’ plans are categorized as follows:

Plumbing Coverage:

  • Exterior Water Service Line: Covers corrosion, age, or ground shifting issue to exterior water lines
  • Exterior Sewer/Septic Line Plus: Covers clogs and breaks
  • Interior Plumbing & Drainage: Cover burst pipes, leaks, and clogged drains
  • Home Plumbing & Drainage: Covers 4 primary plumbing services; Exterior Sewer/Septic Line, Interior Plumbing, Interior Drainage, Drain Cleaning

Heating & Cooling plans:

  • Heating System Coverage: Covers heat pump and furnace.
  • Cooling System Coverage: Covers air conditioning unit.
  • Gas Line Coverage: Covers interior and exterior gas leaks due to valves or fittings.
  • Water Heater Repair & Replacement: Covers repair and replacement of your water heaters.

Electrical Plans:

  • Interior Electric Coverage: Covers outlets, wiring, light switches, and fuse box
  • Exterior Electric Coverage: Covers riser, insulator, service entrance conductor, and meter base

Combo Plans: 

If you are looking for a combination, HomeServe provides combo plans which are as follows:

Heating and Cooling: Covers heater and air conditioner

Home Comfort: Covers heating and cooling plus gas line- 

  • Interior Gas Line 
  • Exterior Gas Line 
  • Cooling System 
  • Heating System 
  • Water Heater Repair

Interior Protection: Covers everything from Home Comfort plus plumbing lines- 

  • Interior Plumbing 
  • Interior Drainage 
  • Interior Gas Line 
  • Exterior Gas Line 
  • Interior Electrical Line 
  • Cooling System 
  • Heating System 
  • Water Heater Repair

Complete Plumbing: Covers 9 extensive plumbing services- 

  • Exterior Water Service Line 
  • Exterior Sewer/Septic Line 
  • Exterior Sewer/Septic Line Restoration 
  • Interior Plumbing, Interior Drainage 
  • Drain Cleaning 
  • Interior Gas Line 
  • Exterior Gas Line 
  • Water Heater Repair

Premium Home Protection: Covers everything from Complete Plumbing plus gas line- 

  • Exterior Water Service Line 
  • Exterior Sewer/Septic Line 
  • Interior Plumbing 
  • Interior Drainage 
  • Drain Cleaning
  • Interior Gas Line
  • Exterior Gas Line
  • Exterior Electrical Line
  • Interior Electrical Line
  • Cooling System
  • Heating System
  • Water Heater Repair

TotalHome Warranty Appliances: Covers 8 major home appliances- 

  • Refrigerator
  • Clothes Washer
  • Clothes Dryer
  • Range 
  • Dishwasher
  • Built-in Microwave
  • Trash Compactor
  • Garage Door Opener

TotalHome Warranty Combo: Covers a combination of 19 systems and appliances-

  • Refrigerator
  • Clothes Washer 
  • Clothes Dryer 
  • Range
  • Dishwasher 
  • Built-in Microwave 
  • Trash Compactor 
  • Garage Door Opener 
  • Interior Plumbing 
  • Interior Electrical Line 
  • Cooling System 
  • Heating System
  • Water Heater Repair
  • Heat Pump
  • Ductwork
  • Garbage Disposal
  • Attic and Ceiling Fans
  • Doorbell System
  • Central Vacuum System

Note: Combo plans are not available in every location, so it’s recommended reading the terms and conditions thoroughly to determine whether such plans are available in your area.

Want to learn more specifics about coverage details? - Claim Your Free Quote 

Optional Add-Ons

HomeServe USA, unlike other home warranty companies, does not offer optional coverage.

HomeServe Coverage Limits

All home warranties have yearly coverage limitations of how much liability a company has when repairing and replacing covered items. The dollar limit for each plan is as follows:



Plumbing Plans

Upto $12,000

Heating & Cooling Plans

Upto $8,000

Electrical Plans

Upto $3,000

Home Plumbing & Drainage

Upto $12,000

Complete Plumbing

Upto $10,000

Premium Home Protection

Upto $10,000

Heating and Cooling

Upto $10,000

Home Comfort

Upto $10,000

Interior Protection

Upto $10,000

TotalHome Warranty Appliances

$1500 per appliance

TotalHome Warranty Combo

$1500 per appliance & system

Plan Exclusions

Home warranty plans do not cover everything; here are some things that HomeServe USA will not cover:

  • Damages and losses, whether from negligence, accident, or otherwise.
  • Reimbursement for any repairs made by you without informing HomeServe.
  • Repair or replacement if the failure is caused by: an explosion, chemical, mold, soil, movement, storm, pet damage, pest, or vandalism.
  • Repair and replacement of septic tanks, grinders, and pumps.
  • Missing parts, structural changes, electrical failures.
  • Electronic or energy management systems, such as programmable thermostats, low-voltage wiring and relays, lighting, and appliance management systems.

Apart from that, Homeserve states that if the customer is aware of any of the pre-existing conditions or defects with the covered item prior the start date, it will not be eligible for coverage.

Note: Your home warranty may have other exclusions; we recommend reading the sample contract thoroughly.


HomeServe USA is partnered with various local utility companies to provide you access to reputable and qualified contractors or technicians who will perform repair services at fair prices. Some of them are:


The Southern California Gas Company, SoCalGas, is known to be the primary provider of natural gas to Los Angeles. However, it offers optional billing arrangements with HomeServe, where you can choose any repair services from its a-la-carte list.


It is a water utility company based out in Pennsylvania. HomeServe partnered with it in 2003, and since then, it’s providing various services. These include interior plumbing & drainage, cooling system, exterior sewer line & restoration, heating system, exterior electric line, water heater, interior electric line, and IPD SSL.

The City of Baltimore

In its partnership with HomeServe, the city of Baltimore offers services for exterior sewer/septic lines, water service lines, and exterior line coverage.

PSEG WorryFree

In the partnership with PSEG WorryFree Long Island LLC, repairs plans are provided to eligible customers, including interior plumbing and drainage, gas line coverage, exterior sewer/septic line, water heater, water service line, home appliance repair plus, exterior electric line, interior electric line, and cooling system coverage.

Dominion Energy 

It offers services for interior plumbing and drainage, heating & cooling system coverage, exterior sewer/septic line, gas line coverage, water service line, electric surge, water service line restoration, water heater, and sewer/septic line restoration.

FPL Energy Services

It provides budget home emergency repair services which include: an exterior sewer septic line, water service line, water heater, gas line, interior plumbing & drainage, and interior & exterior electric line.

Suez Waters USA

 It offers plans for interior plumbing and drainage, cooling system coverage, exterior sewer/septic line, water service line, heating system coverage, exterior electric line, water heater, and exterior line coverage.

Cleveland Water

It is the most extensive clean water supplier in Ohio & partnered with HomeServe to provide repair services for interior plumbing and drainage, water service line, exterior sewer/septic line, and water heater.

City of Memphis

In a partnership with HomeServe, it has coverage plans for interior plumbing and drainage, interior and exterior electric lines, water service line, water heater, heating & cooling system, electric surge, and exterior sewer/septic lines.


FirstEnergy with HomeServe provides coverage plans to customers in New Jersey with the following services: exterior sewer/septic line, cooling system coverage, water service line, heating system coverage, exterior electric line, water heater, and interior electric line.

Charlotte Water

In this partnership, the plans for Charlotte HomeServe are the repairs of water and sewer lines.

CenterPoint Energy:

In partnership with HomeServe, it provides services to Louisiana’s natural gas customers, including repair plans for natural gas and water lines.

Quality of HomeServe Customer Service

The most important sign of a company’s reputation is how well it serves its customers and the quality of its services. HomeServe claims to offer round-the-clock customer services on any submitted claim. However, customer reviews indicate that they had issues with technicians, and the company provided no support on this matter.

Claim Filing Process

The claims process at HomeServe USA is pretty simple. Repairs are also swift since they hire local professionals near your home. The procedure is as follows:

  • To seek service, call the company’s 24/7 customer support hotline at 1-855-336-2465 or use the HomeServe Application. You can also submit your claim using their website.
  • HomeServe USA will connect you with a local expert, and you may schedule the service appointment yourself. 
  • In an emergency, HomeServe USA offers emergency service repairs which you’re supposed to inform the company via phone. 

There may be a limit on repair services, for which we recommend you to read the service agreement thoroughly.

HomeServe offers a workmanship guarantee of 12 months on all covered repairs and a 90-day repair guarantee on surge plan repairs; you can start filing claims after 30 days (waiting period).

HomeServe Comparison

Premium (Monthly)
Coverage Cap
State Availability
BBB Rating
HomeServe USA $30-$70 $75-$100 Upto $12,000 50 A+
American Home Shield $39-$60 $75-$150 $6K-Unlimited 49 B
Choice Home Warranty $40-$65 $85 Up to $3K/item 49 B

If these companies don’t suit your needs, we have got you covered with some other top home warranty providers.

Key Details

Waiting Period

-30 days

Dollar Limit For Access


Free Cancellation

-30 days

Contract Transfer Fee


Cancellation Fee


Customer Service


Automatic Renewal


State Availability - All States

Company Information

Registered Company Name
HomeServe USA Corp.
Company Type
Thomas J. Rusin
Established In
Years In Business
Corporate Office/Headquarters
601 Merritt 7, Floor 6, Norwalk, CT, 06851

HomeServe: Consumer Ratings

Here, we have mentioned a selection of reviews and ratings made by different customers across the web that can help you better understand HomeServe USA's services. Take a glance:

Review Platform No. of Reviews Rating
Google 4,001
4.3 / 5
Yelp 81
2 / 5
BBB 723
3.7 / 5
Trust Pilot 5
2.6 / 5
Pissed Consumer 27
1.6 / 5
Site Jabber 2
1 / 5

The reviews on these platforms indicate that some people found the repair persons and customer support staff knowledgeable, cooperative, and professional. Some had complaints regarding the coverage limits.


We at Consumera are committed to helping you with your home warranty purchase. We examine, compare, and analyze the companies’ offerings and evaluate providers based on the following factors:

  • Cost: We examine the cost of home warranties regarding the services offered. The pricing includes monthly/annual premiums, deductibles, and any discount provided to the customers. We compare it with the industry average to check whether the plans are cost-effective. 
  • Coverage: We compare the plans offered by different home warranty providers. The parameters for comparison include the number of systems, appliances, and additional options that the company provides and their extent.
  • Claims: We examine the customer reviews and their satisfaction with the claims filing process, settlement, and time to complete it. 
  • Transparency And Credibility: To help our readers from falling into any sort of scam, we do a background check to determine if the company is registered within a suitable industry and provide details of CEOs, contractors, and several settled claims. 
  • Uniqueness: We are always on the lookout and award extra points for companies that provide extra services, benefits, or coverage options that make them stand out from others in the industry. 

Frequently Asked Questions (FAQs)

Are HomeServe And HomeServe USA The Same Company?

Yes, these are the same companies operated under different names. HomeServe is based in the UK, while HomeServe USA operates in America. 

Is HomeServe USA Legitimate?

HomeServe is a legitimate and independent company, separate from the local utility associations. It not only serves more than 4 million homeowners in North America but also provides services globally. It is partnered with the nation’s leading utilities, providing various coverage plans for systems and appliances

Is HomeServe An Insurance Company?

HomeServe or HomeServe USA is not a home insurance company but a home warranty provider that offers various repair plans. A home warranty is a service contract covering the repair or replacement bills of listed items that break down due to normal wear and tear.

Does HomeServe Cover Leaky Faucets?

Homeserve covers leaky pipes and faucets under plumbing plans up to the dollar limit. 

Do HomeServe Fix Toilets?

HomeServe covers toilet tanks under interior plumbing, which can be repaired within the dollar limit; $2000 per term.

What is HomeServe USA Repair Management Corp?

HomeServe USA Repair Management Corp is located in Norwalk, United States, and handles the office administrative services.

Is HomeServe The Same As Service Line Warranties Of America?

HomeServe acquired Service Line Warranty of America (SLWA) in 2016; since then, it has been a HomeServe brand. Through this acquisition, the company works with NLC Service Line Warranty as an exclusive provider to 700+ partnered municipal utilities. 

HomeServe vs. American Water Resources: Which One Is Better?

American Water Resources provides coverage plans for sewer & water lines and plumbing emergencies. On the other hand, HomeServe offers a variety of coverage options. In terms of cost, HomeServe provides services at lower prices than AWR. 

However, both the companies hold the same A+ rating from Better Business Bureau. So we recommend reading their fine prints thoroughly to understand the offerings and selecting the best suited provider.

Does HomeServe Cover Leaks?

HomeServe covers leaks of water, drain, gas, waste, or vent lines under the internal plumbing system.

Does HomeServe Require A Home Inspection?

Home inspections are not necessary when buying HomeServe USA’s home warranty plans. However, you can go for a home inspection when buying a house and show that report to HomeServe if they ask for one.

Do HomeServe Plans Cover Air Conditioners?

Yes, HomeServe offers warranty plans that cover cooling systems and include $1,500 worth of repairs or replacement of parts, capacitors, fan controls, condensers, and other internal parts of your unit.

How Do I Cancel My HomeServe USA Repair Plan?

You can cancel by either calling HomeServe or going to its website. If you cancel your home warranty contract within the first 30 days, you will get a full refund minus any claims paid by HomeServe. If you cancel it after 30 days, you will receive a pro-rata refund minus any claims paid.

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