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HomeServe USA Review 2025

Name: HomeServe USA
Brand: HomeServe USA
Price: 5 USD
Availability: InStock
Rating: 4.4 (41 reviews)

HomeServe USA has become a prominent name in the home warranty industry with over 20 years of experience and a 5 million customer base. This HomeServe USA review presents a detailed overview of the company's plans, costs, coverage & customer reviews.

4.4/5 (41)

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Plans costs
$5.49 - $55.99

Service fee
N/A

20 Years in
Business

Covers in All 50 U.S States

By HomeWarrantyreviews.com Team | Reviewed By Shashank Ramesh

HomeServe USA stands out with its diverse, specialized plans, unlike generic “basic” or “comprehensive” options competitors offer. They target specific areas like water lines, heating, or cooling systems, appealing to homeowners who are aware of their needs and seek focused protection.

This review, informed by real customer experiences and expert insights, delves into:

Breakdown of HomeServe’s plans and coverage details
Claim process and customer service experience
Home Service Club’s reviews from users

Why HomeServe USA?

HomeServe USA has sold over 8.7 million service plans to over 5 million households.

The company has established partner networks in over 1,100 municipalities.

HomeServe offers a one-year repair guarantee, the highest in the industry.

The company has over 2,500 contractors in its nationwide network

HomeWarrantyReviews.com

4.4/5 (41)

Trustpilot

2.1/5 (18)

Consumer Affairs

3.8/5 (260)

Explore Verified Consumer Reviews for HomeServe USA

Jaime Laracuente , NY, Oswego

Mr.Rooter of Syracuse did a wonderful job repairing/replacing our water service line as a referred HomeServe service provider. The customer service from HomeServe is compassionate and professional.

Mary Ann MA , FL, Venice

We have been very pleased with this INCREDIBLE company!! The plumbing plan we have is AFFORDABLE and has covered us 100% for our plumbing problems over the last few years including blocked sinks, busted leaking hot water heater, even a major water pipe leaking under our kitchen slab!! We would have had to spend THOUSANDS$$ but thanks to #HomeServ, it literally was 0$ cost to us!!... and they use EXCELLENT plumbers such as #HersandHisPlumbing and #NextPlumbing, our 2 favorites!! Thank you HomeServ, you are truly PEACE OF MIND!! ??????

udabahgee , WV, Vienna

I have gas, water and sewer line coverage on my home with HomeServe. A week or so ago I smelled a gas leak by the front door coming from under the porch where the gas line goes into the house. It took a couple of times of smelling it to be sure it wasn\'t just a pressure regulator venting. I found the riser coming out of the ground had rusted and was leaking. I called HomeServe that afternoon and the next morning I was contacted that a contractor would be in touch with me. Well, contractors are very busy, so it was shortly after noon when he came. He condemned the whole gas line from street to house and told me it was all covered. He immediately made a call to HomeServe and started the ball rolling. He said it usually takes 24 hours or so to get approval, but that HomeServe was the best company that he did warranty work for, because they were faster than the others and were prompt paying him when the work was done. After he left, I called HomeServe and told them of our good experience with the contractor and that it was due to be cold the next couple days. They approved the repair within the next few hours and the contractor was here the next day to install new gas line. I couldn\'t be happier with their service, and choice of contactors. Everything was worked out without any having to jump through any hoops. All contacts were pleasant with everything easily discussed and HomeServe was genuinely concerned that we get our repairs as quickly as humanly possible. I can\'t say enough about the positive experience with them, and will definitely continue my coverage going forward. There seems to be few things in life that turn out as you think they should, but this one is a very pleasant experience indeed. If you have to have problems with your home, which can be frustrating, it\'s nice to know you have coverage that is solid and you won\'t get any hassle about repairs. HomeServe definitely earned my respect by the way they handled my claim. I probably talked with three or four different people throughout the process and ever time was a very professional and pleasant experience. I know it\'s hard to believe reviews these days, and I\'m sorry I can only give them 5 stars, but they really did do just as they claim in their ads.

Pros & cons

Pros

Offers a one-year labor guarantee on covered repairs
No fee to make service call
Offers both individual and combo plans

Cons

No optional add-ons to plans

Enquire For Cost-effective home warranty plans

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Plans & Coverage Of Homeserve USA

Homeserve offers coverage for gas lines, exterior sewer & septic lines, and exterior water service lines. Most plans are systems-centric, while a few combo plans cover some appliances.

HomeServe USA also has specific plans covering heating, cooling, water heaters, and electronic devices such as computers, cell phones, tablets, and televisions. They offer combo plans, including multiple systems under a similar category, such as Complete Plumbing Plan and Interior Protection.

Take a look at the table below to understand the different plans offered by the company.

Plumbing Plans	Electrical Plans	Heating and Cooling Plans	Combo Plans
Water Service Line Plan	Interior Electric Plan	Heating System Plan	Home Comfort Plan
Home Plumbing & Drainage Combo	Exterior Electric Plan	Cooling System Plan	Interior Protection Plan
Exterior Sewer/Septic Line Repair Plan	Tech Protection Essential	HVAC Combo Plan	Complete Plumbing Repair Plan
Exterior Pipes Combo Plan	Electrical Surge	Water Heater Repair Plan
Interior Plumbing & Drainage Combo	Tech Protection Premier	Water Heater Repair & Replacement Plan
		Gas Line Plan

Now, let’s comprehend the coverage offered by Homeserve USA under each plan.

Plumbing Plans

Water Service Line: Covers age or ground shifting issues 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
Exterior Pipes Combo Plan: Covers exterior water service line, exterior water service line restoration, exterior sewer / septic line, exterior sewer / septic line restoration drain cleaning

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
Tech Protection Essential: Covers computers, tablets, and televisions.
Tech Protection Premier: Covers cell phones, computers, tablets, and televisions
Electrical Surge: Covers electrical products damaged due to a power electrical surge

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
Water Heater Repair: Covers main burner, burner supply tube and assembly, drain and gas valves, pilot light, temperature control
HVAC Combo Plan: Covers cooling system, cooling system tune-up, heating system, heating system tune-up, water heater replacement, water heater repair

Combo Plans

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 nine 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

Note: The cost and availability of each HomeServe USA plan vary from city to city. Check your local HomeServe branch for more information on the available plans and costs.

Coverage Limitations & Exclusions

The dollar limit for each coverage option is as follows:

Plans	Limits
Exterior Water Service Line	Up to $7,000
Exterior Water Service Line restoration	Up to $1,000
Exterior Sewer/Septic Line	Up to $10,000
Exterior Sewer/Septic Line Restoration	Up to $1,000
Interior Plumbing & Drainage	Up to $3,000
Heating & Cooling Plans	Up to $8,000
Home Plumbing & Drainage	Up to $12,000
Heating Systems	Up to $1,750
Gas Line Plus	Up to $8,000
Cooling Systems	Up to $1,750
Electrical Plans	Up to $3,000
Complete Plumbing	Up to $10,000
Interior Electrical Line	Up to $2,500
Exterior Electrical Line	Up to $3,000
Electrical Surge	Up to $1,000
Home Comfort	Up to $10,000
Interior Protection	Up to $10,000
Tech Protection Essential	Up to $3,000
Tech Protection Premier	Up to $3,000

Note: HomeServe USA does not offer coverage for optional items.

HomeServe USA also does not cover the following:

Damages, losses, or expenses, whether from an accident or otherwise
War, government regulations, pandemics, riots, hostilities, work slowdowns, acts of terrorism, fires, explosions, theft, or acts of God
Frozen lines, lines that branch off the primary system, or any tanks or appliances
Operational failure that has occurred
Missing parts, structural changes, electrical failures

Note: There may be other exclusions to your HomeServe home warranty plans; we recommend you read the service contract carefully.

Homeserve USA Cost

The cost varies depending on the selected plans, partner, discounts, and location. You can expect to pay anywhere from $3.99 to $55.99 monthly.

Have a look at the average breakdown of monthly premiums:

Plan	Monthly Cost
Exterior Water Service Line	$8.98
Exterior Sewer/Septic Line	$12.98
Interior Plumbing & Drainage	$18.99
Cooling System	$12.99
Water Heater Repair	$9.49
Water Heater Repair & Replacement	$12.99
Interior Electrical Line	$11.99
Exterior Electrical Line	$5.49
Home Plumbing & Drainage	$21.98
Complete Plumbing	$41.99
Heating and Cooling	$19.99
Home Comfort	$29.99
Interior Protection	$55.99
Tech Protection Essential	$11.99
Tech Protection Premier	$17.99
Electrical Surge	$3.99

Note: Prices vary as per your location and selected coverage. Contact your nearest HomeServe branch or log on to their website and share your location to get accurate HomeServe USA plans’ prices.

Review Of Plans, Coverage & Customer Service Of Homeserve USA

Homeserve USA’s customer reviews have been positive on our platform, as evidenced by the rating of 4.4 out of 5. The company also has a similar rating of 4.4 out of 5 on Google reviews, which shows a commendable display of customer service.

Review Of Homeserve USA’s Plans & Coverage

HomeServe USA has uniquely crafted its service plans, prioritizing fundamental concerns like exterior water lines, interior plumbing systems, electrical surges, etc.
HomeServe USA offers an enticing range of premiums starting from as low as $3 to $55.99/month.
While this affordability may catch the eye of homeowners, it’s essential to note that to get comprehensive coverage might require purchasing multiple plans.
The company openly shares details about coverage limits, specifying limits for each item covered.
Their plans generally offer higher coverage limits compared to industry standards. For example, single plans like the Interior Electrical Line Plan and Water Heater Repair and Replacement Plan offer maximum benefits exceeding $2000.
Managing multiple plans and their limits and exclusions might become tricky for homeowners.

Review Of Homeserve USA’s Customer Services

The company has mostly received positive reviews across various review platforms.
Most positive reviews point out the specialized nature of the plans and the quality of their customer services.
Customers particularly appreciate the one-year repair guarantee on certain plans, which is above the industry standard.
The company has also received some negative comments, with most complaints revolving around the lengthy duration taken to address customers’ claims.

Homeserve USA’s Claim Filing Procedure: Phone Number, Web Portal, & Online Form

You can start filing claims after the 30-day waiting period. To file a claim with HomeServe USA, follow this procedure:

Call Homeserve USA’s phone number – 1-855-336-2465, a 24/7 open hotline
Submit your claim using Homeserve USA’s web portal
You can also request service on The HomeServe App on mobile devices

Once your request is submitted, the company will process it and connect you with a local technician so you can schedule a service appointment at your convenience

HomeServe USA offers repairs during an emergency, which you’re supposed to inform the company of via phone

Conclusion

HomeServe USA offers various services to homeowners and is available in all states. However, before purchasing its services, we recommend reading the fine print carefully and understanding the coverage offered in your location.

Quick Details About The Company

Founder	Richard Harpin
Year Of Establishment	2003
CEO	Tom Rusin
Address	Norwalk, Connecticut, United States
Type Of Company	Private

Why Should You Trust Us?

We meticulously assessed HomeServe's plans, pricing, coverage, limitations, and exclusions, presenting this review in a simplified format for user comprehension.
All information in this review is directly sourced from HomeServe USA's official page and sample contract.
Our assessment also includes examining over 1015 customer reviews from various platforms to understand their concerns and viewpoints better.
This in-depth review results from 52 hours of exhaustive research dedicated to thoroughly understanding every company dimension.
Furthermore, in the editorial section, we've offered sincere opinions of the company's plans, expenses, and coverage compared to industry standards.

Frequently Asked Questions (FAQs)

What Is The HomeServe USA Repair Plan?

The Homeserve USA repair plan covers several of your home’s critical items. Many of its plans cover essential elements such as plumbing, heating, cooling, and electrical.

Does HomeServe Cover Sewer Lines?

Yes, the company does provide coverage for your exterior sewer/septic line. Several necessary sub-components, such as unblocking, fusing, welding, and more, get covered under this option.

Are Reading HomeServe Reviews Important?

Yes, reading HomeServe USA reviews gives you a better idea of the quality of service offered. The experience of other customers is a handy yardstick to measure the quality of the company’s services. As a result, it is also a good practice for you to write a review if you’ve been a customer of HomeServe USA for a long time.

Is A Deductible Applicable When Customers File Claims?

Homeowners opting for the services of HomeServe USA need not pay any deductible amount. Customers can benefit from this as the money saved can be spent elsewhere for other essential purchases. But check your service contract for the exact annual or monthly premium amount.

How Does A Customer Cancel The Company's Policy?

If customers want to cancel their policy for any reason, it can be done by contacting customer care. Make sure to give the customer care executive specific details regarding your cancellation. It will ensure you receive a quick and hassle-free cancellation process and a refund if applicable.

You can get a full refund if you cancel within the first 30 days. However, after 30 days, the company will give a pro-rata refund minus any claims paid.

Where does Homeserve USA offer its plans?

You can find HomeServe’s protection plans in all 50 US states.