HomeServe Reviews

HomeServe is a home warranty company that's been in operation since 2003. It offers various service plans to cover household systems and appliances typically excluded from homeowners insurance. According to its website, HomeServe provides home warranties for nearly 5 million customers.

If you need to schedule a covered repair, you can call or request service from HomeServe online. The company will connect you with a local, licensed technician who can detect your issue and complete a repair.

The HomeServe app allows you to manage your account from your mobile device — you can make payments, add or cancel coverage and schedule service using the app.

HomeServe offers three service plans to cover repairs of your main household systems: plumbing, heating and cooling, and electrical. If you want to maximize your protection, combo plans are also available.

With each plan, you can choose the components you want to cover:

• Plumbing: Sewer or septic lines, exterior water service lines, clogged toilets, leaking supply line to your hot water heater and inside water pipes
• Heating and cooling: Furnace and air conditioning, water heater, regulator valves, circuit boards, pilot burners and refrigerant leaks
• Electrical: Electrical wiring, outlet, switches and exhaust fan

HomeServe’s combo plans:

• Appliance plan: Covers eight major appliances
• Warranty Combo plan: Covers your appliances and 10 home systems
• Premium Home Protection plan: Covers six home systems

Coverage options vary by location, so not all plans may be available in your area.

» LEARN MORE: Questions to ask a home warranty company

Your coverage varies depending on what plans you select. It’s always wise to read the fine print on any warranty to give you a better idea of what’s included. Here are a few exclusions you may see in your contract:

• 30-day waiting period: You can’t make a service call within the first 30 days of purchasing coverage.
• Negligence: If negligence by you or someone else caused damage, those repairs aren’t covered.
• Unusual circumstances: Damages caused by war, pandemics, natural disasters and other unusual circumstances aren’t covered.
• Correction of repairs: If you tried to fix something yourself first, the cost of correcting mistakes isn’t included.
• Unlisted systems: Parts of your home that aren’t listed in the “What Is a Covered Repair” section of the contract aren’t covered by your warranty.

HomeServe plans start at $7.95 per month. Total warranty costs vary by plan and location — provide your ZIP code to get the most accurate price.

We requested a quote for a home in Tulsa, Oklahoma, and got the following pricing information:

Some plans include a 20% discount for your first year of service. You can also sign up for the company’s email newsletter and receive occasional special offers.

You can file a claim with HomeServe online, over the phone or through the HomeServe app.

Plan holders can call the emergency repair line to request help. Once you file a claim for an urgent repair, a service provider should be in touch within four hours. However, if it’s a less urgent repair, you may not hear back until noon the next business day.

When you file your claim, you’ll need your HomeServe ID. You must describe the problem you’re having and share your availability so the company can send out a service provider.

You can track the status of your claim using the company’s online tracking system.

Coverage limits

The coverage limits for HomeServe’s plans vary depending on which plan you have. Check out example contracts on the company website for more information on all of HomeServe’s plans.

If you’re looking for a home warranty to help cover unexpected home costs, HomeServe might be a good fit. The company offers flexible coverage options, so you can pick and choose to create a one-of-a-kind warranty that works for your home.

One thing to keep in mind, though, is that each plan’s costs, terms and availability vary greatly by location. Go to HomeServe’s website to see what coverage is available. Once you find a plan you’re interested in, take time to read the details and analyze the cost to decide if it’s right for you.