3.8/5 (266 reviews)
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Monthly premium cost
$7.99 to $58.33
50 states
Labor guarantee
One year
Service fee
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About HomeServe

HomeServe offers a variety of service plans to help protect homeowners financially in the event they need emergency home repairs. Its coverage includes options for plumbing, HVAC and electrical systems. The company also has combo home warranty plans. HomeServe partners with utilities and municipalities around the country and works with a nationwide network of technicians and contractors.

Overall Satisfaction Rating

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  • Repairs guaranteed for one year
  • Local, licensed technicians
  • Website provides lots of information


  • Availability and costs vary greatly by location
  • May need multiple plans to get the coverage you want

Bottom Line

HomeServe has customizable protection plan options and add-ons so you can get exactly the coverage you need. It works with a large network of contractors, and its repairs are guaranteed for one year.

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Rated with 5 stars

I use HomeServe when I need them. ...they follow through well. They were able to do everything that I called them for. I asked about some other things like appliances and if they ...

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Rated with 5 stars

I've been using HomeServe for a couple of years. I have annual tune-ups and the boiler was broken a couple of times and every time, HomeServe has been very quick in responding and...

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What is HomeServe?

HomeServe has been in operation since 2003. It offers various service plans to cover household systems and appliances typically excluded from homeowners insurance.

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 this app.

HomeServe warranty coverage

HomeServe offers service plans to cover repairs of three 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.

HomeServe cost

HomeServe plans start at $7.99 per month. Total 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:

PlanMonthly cost*
Exterior water service line$7.99
Exterior sewer/septic line$12.98
Interior plumbing and drainage system$18.99
Interior electrical line$11.99
Heating system$12.99
Water heater repair and replacement$8.99
Cooling system$12.99
Water heater repair$9.49
Gas line plus$6.49
Exterior electrical line$5.49
Interior electrical line$11.99
Electrical surge$3.99
Exterior pipe plan$12.79
Home plumbing and drainage coverage$21.98
Complete plumbing plan$33.59
Tech protection (Essential)$11.99
Tech protection (Premier)$17.99
Heating and cooling plan$15.99
Home comfort plan$23.99
Interior protection plan$44.79
Premium home protection plan$55.99
*Price quotes for Tulsa, Oklahoma, at the time of publishing. Prices and coverage may vary by location.


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.

HomeServe warranty exclusions

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 claims

You can file a claim with HomeServe online or over the phone. This feature is also coming to the app, though it’s not available as of publishing.

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.

As of publishing, the company is working toward an online tracking system so you can check the status of your claim. In the meantime, you can call for updates.

HomeServe FAQ

Does HomeServe require a home inspection?

HomeServe doesn’t require a home inspection or proof of one.

Can I pick my own service technician with HomeServe?

HomeServe works only with its network of licensed technicians, which means the service person who comes to your home is qualified — but you can’t pick who it is.

Does HomeServe have a limit on repairs?

Some HomeServe plans have repair limits. However, these vary greatly by location and plan. For example, the Exterior water service line coverage has a $7,000 annual maximum benefit in Tulsa, Oklahoma. In Spokane, Washington, the maximum for the same type of plan is $12,000.

Where are HomeServe warranties available?

HomeServe warranties are available across the U.S. To see if you can get coverage in your location, enter your ZIP code on the company’s website.

Is HomeServe worth it?

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. You can enter your ZIP code on 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.

HomeServe Reviews

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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: March 7, 2023

My son took a look at an old furnace and said that the flame wasn't going on as often as it should. Then, when I got up one morning, it dropped down to 57 degrees. It would take five hours to get up to 63 and wouldn't get to 68, so I called HomeServe. The tech they sent out was very helpful and professional. But he wasn't able to get out right away. It was a Saturday, so he was able to get out here an hour and a half later. He let us know when he was coming and he was really very clear with what the issue was. So he was able to repair it and gave us other options. But for now, it's running okay.

I've been contemplating looking into some other programs but I like HomeServe because you don't have to pay any type of a fee when the techs come out and the payments are small. I'm able to just put them on my debit card and they come in little by little. I'm happy enough with HomeServe and I wouldn't make any changes. Most of the people that come are very good. Every once in a while, HomeServe will send out a provider that I'm not that happy with. But I'll tell them that and they just send somebody else next time.

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    Rated with 4 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 8, 2023

    HomeServe was more practical and financially feasible for me. The pricing was fairly reasonable, compared to what the utility companies are offering themselves. The process of submitting a claim either via phone or through the app was accessible and practical also. The first time I had an issue, it was perfect. I reached out and someone came out. The contractor that they reached out to was perfection, as well as their personal demeanor. It was like a breeze. But now, I'm having the same issue and the contractor that they reached out to is handling it differently than what the city had advised and what the prior contractor did.

    They're advising me to get a second additional water line coverage, which that's not what I needed prior. It seems almost like a sales tactic. I had to wait 30 days with the problem, called HomeServe out, and they're going to contact the same contractor that refused to handle it properly, which I didn't want. This issue still remains and I have to remain with that issue or pay out of pocket for a plumber. I contacted a plumber who advised adjusting the issue at the front of the home, not the back. Other than that, HomeServe is fine. It's up-to-date with this technology, which is all via app or via phone, and I can always call seven days a week. It's accessible and very immediate contact, not in a few hours. That's awesome. Them reaching out and a contractor reaching out to you is fairly quick Sunday to Sunday.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 12, 2022

    The sink in one of my bathrooms got stuffed up, and anytime one has a plumbing problem, it happens on a Friday night or Saturday on a holiday weekend. I used to have a plumber that I knew, but he went off to Columbia and I can't find him anymore. HomeServe sent a plumber, and he came the next day. Somebody called me Friday night and said, "Hey, you think you can wait till Monday?" I said I could. It was not a tremendous deal, but then the company called me up Saturday morning and said, "We have a technician out there where you live if you want somebody to come." I said, "Yeah, send them over now," then I didn't have to even look at the thing.

    I have a couple of policies with HomeServe. I've had them for a few years at my house and even before that, when I owned another house. It's good for the price. I get a yearly AC or heating checkup, and it used to be we couldn't get an appointment sooner. Make the appointment in June, and you get an appointment in October. This year was no big deal though. I got relatively new equipment, so it's nothing going to be wrong with my stuff anyway, but they still come and do their thing. I'm happy with it. I've recommended them to other places.

    6 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Oct. 9, 2022

    HomeServe is well worth it and before this last call, I was very happy with their contractors. They were very nice, polite and did good work. But this last time I had a plumbing problem, I had to make many calls before somebody ever picked up their phone. That has never happened before with HomeServe. Also, I told the person I was speaking with to make sure that the techs have shoe covers and masks. They showed up, rang the doorbell and I opened the door, and they didn’t have masks or shoe covers on. So, I asked the guy if they had those. He said he would go back to the truck. So, I closed the door and came in the house. When they came in, I noticed that they had on masks but I didn't look down at their feet to see if they had on shoe covers until we got upstairs in the dressing room and there they both were standing without shoe covers.

    Shoe covers are very important to me. When I leave home, I spray my shoes and leave them in the garage before I come in the house. I don't want all of that stuff you see in the street in my house, on my carpet. The guys said they didn't have any shoe covers and I said that he should have told me. I would rather have him tell me they don't have any and then come back the next day with shoe covers. I don't wear shoes in my house and everybody else that know me when they come here know to take off their shoes especially with the virus out there and everything that you see on the street.

    9 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: May 13, 2022

    HomeServe’s services have been great. It's real easy to use. The guys that come out have been really helpful. HomeServe has been working out well. I'm glad I got it. Someone recently came out for the plumbing thing. I was notified by my water service provider that we had a leak. I didn't really know how to isolate it. So, I got in touch with HomeServe so they could come out and figure out where the leak was at. I was told that they didn't go inside to check, but they would check outside and let me know if they would see anything. When the tech looked at the meter, it wasn't continuously running. So, it didn't really show that it had a leak, but it's kind of an intermittent thing. He said, if that’s the case, it’s most likely something with the toilet leaking periodically. He explained how to check to see if my toilet flaps, and if they’re allowing water to seep through occasionally.

    I watched the video on how to replace them. It does look like we do have leaks in our toilet. Now, I just had to figure out what kind of flaps I need to buy, and then try to replace them myself. The tech was pretty helpful. It would have been nice if he could have isolated it himself, but he explained how to put dye in it and then check it later, to see if the water with the dye flowed into the toilet bowl. I understand he can’t spend all day waiting for each toilet. So, it worked out. I was fine with how he explained it, and the solution for it, too. I was okay with doing that myself. Overall, HomeServe is great. The website is great. It shows all the different services they provide. I’m more of a visual person. So, it would be good if there was like a video.

    5 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 17, 2023

    Yikes, no heat. I contacted Home Serve and the technician, Steve ** was here within a couple of hours. He diagnosed the problem on our 26 year old furnace, got parts and replaced the thermocouple. Then the blower went out! Another trip for a part and repaired even in the bad weather. I would definitely recommend Baker Plumbing and Heating. Our house is nice and warm.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 17, 2023

    My request was immediately taken care of the next day. HomeServe kept me up to date by email or text with the plumber. After the plumber arrived, they encountered two leaks and they did not leave until everything was taken care of. Three work orders were initiated in one day. Excellent service!!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 17, 2023

    Very pleased with how our gas line repair went. After I reported it to customer service I did not have to make another phone call. I was kept in touch with through text and through phone calls from the contractor. Kerns Plumbing was prompt, on time and did a great job. Friendly and easy to work with.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 16, 2023

    I call HomeServe once a year when I need them and my experience has been good. The contractors they send know what to do and how to do it. A couple of them leave a little mess every now and then, but otherwise, it's good. I've turned three people onto HomeServe.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 15, 2023

    The water heater was busted. It let loose and didn't have any hot water and it needed to be replaced. It went out on Friday late afternoon and then when I called Home Serve, they called me back when they got a technician. They called on a Saturday and I was at a wrestling meet. But they called back and they said they were sending somebody from Gem City Dayton. I thought there gotta be somebody closer. So I tried calling HomeServe back and the phone dropped me a couple of times, and there were some issues with the phone, but they said, "Well, he's already accepted, so we can't change it." The tech came on a Sunday. So he came really quick. He did a good job. He was excellent.

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    HomeServe Company Information

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