HomeServe Reviews

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Edited by: Ben Strauss

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.

Pros
  • Repairs guaranteed for one year
  • Local, licensed technicians
  • Website provides lots of information
Cons
  • Availability and costs vary greatly by location
  • May need multiple plans to get the coverage you want

Featured Reviews

Pittsburgh, PA
Verified purchase
I had a leak that needed taken care of. They referred a contractor and within an hour I received a call to schedule the appointment. They were able to get me scheduled in three da...

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Providence, RI
Verified purchase
We had a fantastic experience with the Homeserve water line replacement plan. Our water line began to fail on us and we were getting water in the basement. We contacted Homeserve ...

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What is HomeServe?

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 coverage and plans

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

HomeServe coverage 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 cost

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:

*Price quotes for Tulsa, Oklahoma, at the time of publishing. Prices and coverage may vary by location.

Discounts

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.

How to file a claim with HomeServe

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.

HomeServe FAQ

Where is HomeServe 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.

Does HomeServe require a home inspection?

No, HomeServe doesn’t require a home inspection or proof of one.

Can I pick my own service technician with HomeServe?

No. 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.

How do I cancel HomeServe?

You can cancel HomeServe by calling customer service, sending an email or contacting the company through your online account. If you cancel within 30 days of your start date, you can receive a full refund minus any claims paid. After that, you may cancel and receive a prorated refund.

How long is a HomeServe contract?

You will have 11 months of coverage during your first year of a HomeServe contract. There’s an initial 30-day waiting period before you can make a service call that starts immediately after your order is processed. Then, you’ll have coverage for the remaining 11 months in the year.

Does HomeServe allow you to add additional coverage at any time?

Yes, you can add additional coverage to your HomeServe plan at any time. 

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. 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.

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HomeServe Reviews

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    Page 1 Reviews 0 - 5
    Customer ServiceCoverageTechPricePunctuality & SpeedMaintenance

    Reviewed Jan. 29, 2026

    I had a busted sewer line about 2 years ago, and other than having to wait a few days for them to come and inspect, and then another few days for them to order something to replace, from the time I called the company until the problem was solved in about two weeks, it was inconvenient, but I was completely satisfied, as a neighbor down the street had the same problem and she didn’t have insurance to cover hers and I did, so I ended up saving nearly 4 grand, which made me happy. Three men worked about 4 days and super nice guys and hot days at that, I kept them supplied with water for sure. Very happy they fixed the problem at no charge. I highly recommend HomeServe.

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    Customer ServiceCoverageTechPunctuality & SpeedStaff

    Reviewed Dec. 20, 2025

    I had to initiate a claim with my indoor plumbing insurance. I had a leak that needed taken care of. They referred a contractor and within an hour I received a call to schedule the appointment. They were able to get me scheduled in three days. The plumber and his apprentice arrived and promptly got to work. He listened to me when I stated what was happening. Said, "Let’s go take a look." Confirmed there was definitely an issue. Fixed it and were leaving. Needless to say I had the biggest smile on my face. I lost around $350. Because of this leak. I’m single and now on SSD.

    I’m thankful there are insurances like this that I can use. It is more efficient for me to pay a small amount monthly than to have to come up with a large sum in a day or two. I’m also thankful that there are contractors that work with these companies so people like me can afford household repairs. I want to say again how professional and friendly my plumber was. Truly above and beyond with his customer service.

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      Customer ServiceClaims HandlingCoverageRefunds & PayoutsStaffTransparencyResolution

      Reviewed Dec. 9, 2025

      This company puts customers on autorenewal and when you sell your home. I noticed that I have been paying for coverage on a home I haven't owned for 2 years. While I was pretty upset, the agents were very friendly, understanding, and helpful. I'm giving them 4-stars instead of 5 because they should reach out to their customers when they get a notice of the home selling, and ask if the customer wants to cancel the plan. They know when you buy a home - this is how they recruit new customers. So they also know when you sell the home. They should be more transparent and proactive in terms of account management. I never had to file a claim so I can only comment on their autorenewal policy and friendly customer service. They resolved my issue and credited my account.

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      Customer ServiceRefunds & PayoutsMaintenanceStaffBilling

      Reviewed Sept. 25, 2025

      I had a billing issue. Instead of my monthly premium being deducted from my bank account they deducted for the year! After no one would help me I asked to cancel my account. I spoke with a Dora ** from customer service in TN (I am in NY). She not only saw and fixed the error, promised me in one to two days I'd be refunded. She even called me that evening to let me know the refund was being processed and the day I received it back in my bank account I got a call from her to say it should be there. Good old fashion customer service! Give that wonderful woman a raise Home Serve! Companies need to wake up and see the value in an employee that factually cares. Thank you Dora **. You are a breath of fresh air!

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      Customer ServiceTechStaffHonesty & Transparency

      Reviewed April 21, 2025

      I recently had a drain repair done at my house by Long Plumbing and I’m really pleased with the service. From the initial call to the final cleanup, the entire process was smooth and professional. The technician arrived on time, clearly explained the issue, and offered a few options based on urgency and budget. They were courteous, worked efficiently, and made sure everything was cleaned up before leaving. Overall, I’m very satisfied and would definitely recommend them for any plumbing or drain repair needs. Great service, honest communication, and quality work.

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      Customer ServiceCoverageTechRefunds & PayoutsBilling

      Reviewed April 9, 2026

      NEGATIVE STAR REVIEW!! HomeServe was billing me through my energy provider for 4 months after cancelation and refuses to refund the fraudulent overpayments. Used their warranty service once while we had coverage and the company they sent out did not want to make any repairs but only wanted to sell us a new HVAC system. I called out my own repair service and it was fixed in under five minutes. HomeServe is the bottom of the barrel for insurance coverage.

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      Customer ServiceCoverageTechMaintenanceTransparencyResolution

      Reviewed April 5, 2026

      Terrible experience with HomeServe. I purchased three policies (two external and one internal) through City of Fresno and had a simple broken pipe just outside my kitchen wall. They denied for no valid reason and the plumber left my pipe disconnected. Raw plumbing is just spilling onto my yard. I’ve repeatedly asked for explanations and the issue to be escalated and they ignore me and won’t tell me any process for escalation. They say someone will call back and then they do not. Don’t waste your money!

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      Coverage

      Reviewed April 1, 2026

      They are the worst company, they are not sending someone to repair my drainage pipes. They keep saying nobody wants to do the job. It's been over a week.

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      Customer ServiceCoverageTech

      Reviewed March 31, 2026

      I lost power in a circuit and smelled something burning. An electrician from Rainbow electric made a hole under a receptacle and ran wire on the bedroom floor to another receptacle. I called Rainbow several times to address this and other outlets that I smelled something burning. I was told someone was coming but no one did. I called Home serve and was told this was not dangerous and my policy would not cover. I canceled my policy.

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      Customer ServiceCoverageTechStaffCommunication

      Reviewed March 31, 2026

      My experience with HomeServe has been extremely frustrating and disappointing. I have been dealing with an unresolved plumbing issue for nearly 30 days that has now escalated into sewage coming through the concrete floor in my basement. This is a serious health hazard, and my home smells like sewage. Multiple technicians were sent out, including four visits in one day, and confirmed there is a backup in the main line approximately 37–38 feet from the home. Despite this, no actual repair was completed.

      I was eventually told the issue is not covered due to a “belly” in the pipe, but no video proof or documentation was ever provided. They also claimed they attempted to contact me on March 25, which is not accurate as I received no voicemail, missed call, or email. When I finally spoke with a representative, I was interrupted repeatedly and not allowed to fully speak. There was no ownership taken for the lack of follow-up, delays, or the worsening condition of my home.

      What is most concerning is that this issue is on the same side of the home where previous work was done, raising questions about whether the issue was properly handled before. As a result of this situation, I have had to remove carpet due to sewage contamination, and I am still left without a resolution. This experience has shown a lack of accountability, poor communication, and failure to address a serious issue affecting the safety of my home.

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        HomeServe Company Information

        Company Name:
        HomeServe
        Year Founded:
        2003
        Address:
        601 Merritt 7, 6th Floor
        City:
        Norwalk
        State/Province:
        CT
        Postal Code:
        06851
        Country:
        United States
        Website:
        www.homeserve.com