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Overall Satisfaction Rating 4.10/5
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Based on 726 ratings submitted in the last year

HomeServe offers a variety of plans that cover electrical wiring, gas fuel lines, plumbing, cooling and heating systems. Depending upon where you live, costs for HomeServe plans have an average starting price of $5.49 a month. Combination plans are also available if you want to mix and match. You can cancel within 30 days for a full refund. Call customer service 24/7. There are no deductibles, and covered repairs have a one-year guarantee.

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HomeServe specializes in providing coverage for your home’s essential systems, including electrical, plumbing and heat and air. While the company doesn’t offer appliance coverage, its systems coverage is thorough and affordable.


  • Individual system coverage available
  • One-year workmanship guarantee
  • Low-cost plans


  • No appliance coverage available

Top HomeServe Reviews We Found

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Rated with 5 stars
Verified Reviewer Verified Buyer

When I called in for service, I was helped right away. I was contacted the day by the plumbing company, and they came out the day after and cleared my drain. Angel was polite, helpful, and very tidy. Fantastic service and I am glad I have it.

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Rated with 5 stars
Verified Reviewer Verified Buyer

Repairman came the same day we called. He was very efficient and thorough. He checked our hot water heater which is outside. Then he came inside to make sure we had hot water in the kitchen and all bathrooms. We would highly recommend your company.

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HomeServe plans and coverage

HomeServe plans are available to cover the core systems in your home. You can choose to protect individual systems or multiple systems with a combination plan for total protection:

  • Plumbing plans: Get coverage for your interior plumbing and drainage system, exterior sewer or water service lines that connect the home to the municipal or utility provider.
  • Electrical plans: Maintain exterior electrical equipment, interior wiring and electrical surge protection.
  • Heating and cooling plans: Protect your cooling system, heating, gas fuel line and water heater.
  • Combo plans: Roll all plumbing, electrical or heating and cooling coverage options into one plan, or combine all three under the Interior Protection Plan or Premium Home Protection Plan.

Under the most comprehensive combo plan, the following items are covered:

  • Exterior water service line
  • Exterior sewer/septic service line
  • Gas line
  • Interior plumbing and drainage
  • Exterior electrical line
  • Interior electrical line
  • Water heater
  • Heating system
  • Cooling system

HomeServe cost

HomeServe plans start at an average of $5.49 a month. Because HomeServe offers so many individual coverage or combination plans, total costs vary by plan and by location around the country. 

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

PlanMonthly cost
Exterior water service line coverage$4.99
Exterior sewer/septic Line$8.99
Interior plumbing and drainage system coverage$10.49
Interior electrical line coverage$4.99
Exterior electrical line coverage$4.99
Gas line coverage$4.99
Heating system coverage$10.99
Water heater repair and replacement plan$7.99
Electrical surge $1,000 coverage$3.99
Electrical surge $3,000 coverage$5.99
Prices quoted for Tulsa, Oklahoma, less applicable sales tax. Prices may vary by location. Visit HomeServe’s website and enter your zip code to receive pricing for your location.

HomeServe claims

Getting systems serviced by HomeServe is a straightforward process, with representatives available 24/7, including holidays, to take your call and dispatch a technician to your home to make the needed repairs.

  1. Submit a repair claim by calling HomeServe’s 24-hour hotline.
  2. HomeServe will send a licensed and fully vetted local technician to your home.
  3. The technician handles covered repairs.

HomeServe has a one-year workmanship guarantee on all covered repairs.

HomeServe FAQ

Does HomeServe require a home inspection?
No. HomeServe does not require a home inspection before beginning a home warranty contract.
Can I pick my own service technician?
HomeServe will provide the technician. HomeServe works with a network of local, licensed and insured technicians. Working with its technicians affords policyholders a workmanship guarantee.
Is there a limit on repairs?
Depending upon the chosen contract, there may be repair or dollar limits during the annual contract period. For example, HomeServe advertises that homeowners can receive up to $2,500/year per covered system, or up to a $10,000 maximum annual benefit for repairs. Your contract will have these details and is available on the HomeServe website.
Do I have to pay a service call fee if a technician comes out more than once on the same repair?
There are no service fees, and since covered repairs are guaranteed, there are no service fees for a technician to re-attend.

Is HomeServe worth it?

We recommend home warranties for people living in older homes who are not confident repairing items themselves or who don’t have a large savings fund for household systems emergencies. Getting coverage on higher-risk, higher-cost repair items is a good investment in securing the functionality of your home. We recommend HomeServe for its specialized coverage, its relatively low contract costs and its many plan options.

HomeServe Reviews

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2 featured reviews
How do I know I can trust these reviews about HomeServe?
How do I know I can trust these reviews about HomeServe?
  • 2,596,475 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Oct. 29, 2020

HomeServe is great. They fixed my furnace and my air conditioner, and I didn't have a giant bill I had to cough up. I just pay the little fee every month. I've submitted claims three or four times for different things. When I call them up, they say somebody will contact me within two hours. Usually within 15 or 20 minutes, somebody calls. They'll identify themselves and tell me know who they are and where they're coming from. Then they will tell me however long it takes them to get from where they are to my house, which is usually like 10 to 20 minutes. They come and they're very professional. The people are very nice. They're very clean.

Now with the pandemic, they wear masks to protect me because I'm old lady, and I'm from high risk with diabetes and a heart condition. There's no question about wearing a mask. They come with the mask right on. With HomeServe, I don't have to wait for days for a contractor to come out. Sometimes, if you go through HomeServe, they come right away. The only that disappointed me was that I thought when I got the water in the water lines and drain lines, they would cover if there’s a leak underneath my bathroom sink. If the drain is rusted through and it's leaking, I thought it would cover that but it didn't. I wasn't mad about it. I just misunderstood that it covered the actual sewer lines, not the little drain thing under the bathroom sink.

With the money I paid them for the year, I've already more than got back for my furnace and my air conditioning calls. When an auxiliary heater in my garage broke, I called HomeServe and I found out that the warranty I had didn't cover that little heater in the garage. It had to have its own separate warranty. They did send somebody. He came and he fixed it and I paid for it. Then I called back and I got a warranty on that heating thing in the garage. So if it breaks again, I'll have a warranty on that too. I'm pretty well covered. It's always very good work and good people. If something happens again, they'll send them again. They don’t give me a hard time. So for the peace of mind and that I don't have to write out a check for $1,000, it's worth every penny.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 24, 2020

    The drain going out to the street was blocked in some way. So any water that we were using was coming back up my pipe or wherever it could come back up. It came up with my basement like two or three times. I would clean it up and think that it would be okay. But we would shower or use the water again, and it comes up again. Then they came out and they thought that they cleared it. But when they left the next morning, my son showered and it came up again. We're able to use it now, but they told me that when they did a camera down, that they could tell that the pipe was not straight in some way. They said they would send HomeServe the footage.

    The first time I called HomeServe I told them it was a drain under the washer that the water was coming up from. But somehow, the plumbing company didn't get that memo. The plumbing company could have contacted me directly and I could have even told them directly what the issue was. That would have solved the first call out. We were without taking a shower for three days because of all of that communication. It could have been cleared up with the first time they came out.

    The plumbing company sent a young kid who was on his own for a while the first time. I don't think that he had enough skill set to really know what was going on. My son said he was there for four hours and he should have figured it out in those hours. Then it was the next morning that my son showered that it came back up again. So then I had to call them, go through the whole process again, and sit there and call, and make sure somebody was gonna come out and do it right, and have to be there. I'm okay with all of it. But it wasn't a smooth situation.

    2 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Sept. 13, 2020

    It's fairly easy to get the claim pushed through with HomeServe. We had a backup. The plumber came out but he couldn't get it. So, he had to call another one. Another one came up and he couldn't get it. Then they sent another team out. They ended up getting it. Then I had another backup that came up even before that go. I had another plumber come out that wasn't connected with Homeserve or Haynes. He suggested that I run the camera down the system.

    I had an independent contractor. I paid over $500 for them to come up and run a camera. The pipe is about 10 feet out that has a deep dip in it. What happened, stuff built up in that area and eventually, it caused the backup. It may take a while to do it, but eventually, it does. I passed that on to Haynes. When that came out, I showed them that. They said there was no problem. I’d always have water in the pipes. I said okay. But then, I had another backup that came back out. They ran another camera down there. It was the same thing. They said it’s slow, but there was no major problem. They cleared it. Then it started backing up again.

    Then they came out and ran another camera. They said I had a broken pipe, which I suspected that. They replaced a portion of the pipe, but it didn't replace the part where the dip was. About two weeks ago, I had another backup. I called them and the guy came out. At first, he couldn't get it ‘cause he had a little smaller snake. He called back and a guy came out with a larger snake. He went back to clear the line.

    I was explaining to him the same problem I was having. I said it's gonna be back up again eventually. Haynes came out and they looked at it. Homeserve was calling another company ‘cause another company came out this Wednesday. They ran a camera down there. The same thing that I've been telling Haynes and my contractor that paid for, the problem was that dip in the pipe. They just confirmed everything that I had to say. They sent the paperwork to Homeserve.

    HomeServe is going to replace that section of pipe, but they haven’t done that. I'm just praying right now I don’t get another backup before this occurs. But Homeserve seems very cooperative with me, and they’re very nice and very pleasant. But the problem hasn’t really been solved as of yet. I would recommend them because Homeserve is not doing the work themselves. They have contractors and they go by what the contractor says.

    7 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 5, 2020

    It's been years since I joined HomeServe. I got something in the mail. I've been with them for maybe about 10 years. Submitting a claim this time was great. The guy who came out was courteous and he fixed it efficiently. I've had two claims that were handled really well. They were small but the last two guys really did a good job. One of them was a leak behind the sink and one of them was with supply line problems, a leak going into the sink. Their contractors were courteous. When they ran into problems, they didn't try to put it off 'til another day. This last guy went right down and bought a part at Home Depot. And then my meter in the street wouldn't shut off so he advised me to get that fixed. As soon as they fixed it, they actually got out that day. I called back and he was out here and fixed it that same day. I was really impressed with that.

    I had a big problem about five years ago though, and I’m still not satisfied with that. The first time the guy from Plumb Genius came, I had a leak in the drain under the house. There was water standing under the house. They came out but didn't have a sump pump and I didn't have one either. They told me it was my responsibility to pump the water out from under the house. I did that but I thought that was BS. They came back out and they said they found possum tracks under my house, so they refuse to go under the house until I capture the possum. I've never captured a wild animal before in my life but I have a grandson who loaned me a live trapper but all I caught was a really irate squirrel.

    Three weeks later, they had finally agreed to come out and risk their lives and go under the house where there might be a possum. By that time, the problem had grown exponentially. Before that, there wasn’t feces in the water but after that, there was. It was my responsibility to pump it out. The guy that HomeServe used to contract said the company insisted they buy their own equipment, for one thing. They didn't provide them with a sump pump. This guy fixed it and it cost HomeServe $3,000. I had a guy that probably could have fixed it for a lot less than that and done a good job, and fixed it as soon as the problem arose.

    But now, even with these many years later, I don't leave the vent grilles open and the fan. There's this stench that comes up from under the house. I guess that'll be there until I die and this house is passed on to somebody else. I feel sorry for that person, but there's nothing I can do about it.

    After the initial deal, I didn't realize that there would be a problem like this. Once the leak was stopped and it dried up, there's always this problem. I will never use Plumb Genius locally either because they were just inept. The two guys that actually fixed it, they were good. Initially, if they had come out and fixed it, they had the equipment and they wouldn't have been afraid of the possum, it would have been fixed while it was just water from the washer or something like that.

    13 people found this review helpful
    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 21, 2020

    The City of Baltimore recommended HomeServe's service because of our aging infrastructure. I have 4 accounts for 4 houses covered in 3 different jurisdictions. Basically, my experience with the claim process has been good but the last one wasn’t. What happened was I had a leak and the plumber who came out misdiagnosed it. Initially, they came out and their first inclination was that it was a drain leak in the upstairs bathroom and it was gonna be a big deal. The first thing they said was, “We’d already cut the wall out to look.” Then they backtracked on that and said, “No. We just need to replace this pipe here.” So, it was gonna be more than they could deal with in the time frame that I had an expectation they would deal with it.

    They would've eventually gotten it right, but I needed a faster turnaround than they were able to provide. I ended up hiring my own plumber and ended up with a huge job. I have pictures of how it was misdiagnosed and I imagine the original company would've figured this out. I need to go back and resubmit the claim but there’s a lot of paperwork. So, except for this last contractor who got a little bit beyond what they thought they were doing in their contract and it was basically to come out and address a leak, the contractors have been fine.

    For simple things, if there really is no huge problem, then the HomeServe warranty is awesome. I’ve had that done a couple times. It’s certainly good for getting the drains cleared, and the turnaround’s real quick which is typically within 24 hours. But if there is a leak and walls have to be torn out and appliances have to be replaced, I don’t feel the service is able to respond in a manner that’s prompt enough for me because my properties are rentals and I have to respond to tenants. While HomeServe doesn’t provide 360 coverage for my plumbing, they are good for what it’s good for.

    11 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 19, 2020

    They responded the same day! Even though it ended up not being a covered issue, they were willing to fix the problem. The plumbers that came to our house were extremely professional and polite. They did remove a toy caught in the tub drain at no charge. We're very happy that we have this service on almost the whole house.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 16, 2020

    If you own a home, HomeServe is a MUST! My house has always had issues with the plumbing, due to the large tree roots and age of the pipes. So calling a plumber has been a frequent occurrence at my hs. The money we were spending on emergency visits by a plumber were getting out of hand... Until we learned of HomeServe. They have saved us on so many occasions and is hands down the best insurance coverage I’ve ever had. I don’t know why EVERYONE doesn’t have this service. Thank you, HomeServe!

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    Rated with 2 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 16, 2020

    Up to now my experience has been great, however my last problem was a problem. When the technician arrived at 10:30 p.m. after calling at 4:30 p.m. he entered my basement and announced he would NOT be "snaking" the line. That I needed to go upstairs and run the water in my bathroom, kitchen and flush the toilet. He sat on a stool and watched the drain and said that he didn't need to snake the drain and left. He asked me to sign the receipt, I refused because I said, "You didn't do anything" and he said "You're right, I didn't do anything". "It didn't back up while I was here so I didn't do anything." Service, I don't think so.

    3 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 15, 2020

    It was easy and showed up on time. Got right to the problem and fixed it and was very polite. Had the things I need right on the truck. I would us again in the future and tell anyone the service is well worth the price.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Nov. 15, 2020

    I'm 73 years old and crippled and can't do the work myself. I call up HomeServe when I have a claim and the process is simple. I've had the same guy come out a couple of times and he's great. Everything works out fine.

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    HomeServe Company Information

    Company Name:
    Year Founded:
    601 Merritt 7, 6th Floor
    Postal Code: