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HomeServe Reviews


bestfor-icon Customizing the Coverage Through Add-ons

Written by Bob Phillips

About HomeServe | Read More


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  • (866) 549-4877
  • Headquarters: 601 Merritt 7 Norwalk, CT 06851
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HomeServe Home Warranty Review

HomeServe offers many different home warranty plans the customer can choose from, which will vary based on the customer’s location. A network of licensed contractors provides service technicians. You cannot select your own local service provider. HomeServe does not charge for a service visit with some plans and pays the servicing company directly.

HomeServe Home Warranty Highlight

Max $100

Service Fees

Varies by plan 

Payout Cap

$7.99/mo. + 1 year repair guarantee


Many plans available


A national network of repair technicians



Home inspection


Other Fees


Origination Fee


Prepayment Fee

Limits vary by plan selected

Benefit Limit Type


BBB Rating



Under 24 hours

Response Time

12 months (30-day waiting period before coverage begins)

Contract Length Available

Pros & Cons

  • con-icon No fees, no deductibles, or out of pocket payments
  • con-icon Transparent pricing on their website
  • con-icon Immediate repair request service
  • con-icon Variety of plan options
  • con-icon 1-year workmanship guarantee
  • con-icon Plans don’t cover appliances

Plan Types


  • Exterior Water Service Line Coverage
    Pricing from $7.95 monthly
  • Exterior Sewer/Septic Line Coverage
    Pricing from $12.98 monthly
  • Interior Plumbing and Draining Coverage
    Pricing from $18.99 monthly
  • Exterior Electrical Coverage
    Pricing from $5.49 monthly
  • Tech Protection Essential
    Pricing from $11.99 monthly
  • Tech Protection Premier
    Pricing from $17.99 monthly
  • Interior Electrical Coverage
    Pricing from $11.99 monthly
  • Cooling System Coverage
    Pricing from $12.99 monthly
  • Water Heater Repair and Replacement Plan
    Pricing from $12.99 monthly
  • Water Heater Repair Plan
    Pricing from $9.49 monthly
  • Home Plumbing and Drainage Coverage
    Pricing from $21.98 monthly
  • Gas line plus
    Pricing from $6.49 monthly
  • Electrical surge
    Pricing from $3.99 monthly
  • Heating and cooling plan
    Pricing from $19.99 monthly
  • Home comfort plan
    Pricing from $29.99 monthly
  • Interior protection plan
    Pricing from $55.99 monthly
  • Premium home protection plan
    Pricing from $69.99 monthly

Optional Add-Ons

HomeServe doesn’t provide additional coverage options.


Plans as low as $7.99/mo. + 1 year repair guarantee.


Standard exclusions of home warranty companies, including items damaged by negligence, damage caused by natural disasters, appliance removal costs, damages resulting from environmental contamination, unnecessary repairs or upgrades.

Coverage: For example, the Interior Electrical Covers the “interior electrical line,” and the Cooling System Coverage covers the “cooling system.”

Payout Cap: i.e., Interior Electrical Coverage: $2,500, Cooling System Coverage: $1,750, Tech Protection Essential: $3,000

Plans & Pricing

HomeServe plans:

Plan Monthly Cost
Exterior Water Service Line $7.95
Exterior Sewer/Septic Line $12.98
Interior Plumbing/Drainage $18.99
Exterior Electrical Coverage $5.49
Tech Protection Essential $11.99
Total Protection Premier $17.99
Interior Electrical $11.99
Cooling System $12.99
Water Heater Repair & Replacement $12.99
Water Heater Repair $9.49
Home Plumbing & Drainage $21.98
Gas line plus $6.49
Electrical surge $3.99
Heating and cooling plan $19.99
Home comfort plan $29.99
Interior protection plan $55.99
Premium home protection plan $69.99

Service Fees

Service fees are $0 to $100 per call, depending on the customer’s plan.

Payout Caps

Varies by plan (i.e., Interior Electrical Coverage: $2,500, Cooling System Coverage: $1,750, Tech Protection Essential: $3,000).

HomeServe : How to Get Started

A home warranty plan with HomeServe can be purchased on the company’s website through a three-step process.

HomeServe : How to Get Started

Claims with HomeServe can be filed online through the customer portal or by calling customer support 24 hours a day, 7 days a week, including holidays.

State Availability

Available - Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Not Available - Alaska, Hawaii

Written by Bob Phillips linkedin-icon twitter-icon

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.



Where does HomeServe do business?

HomeServe operates in the lower 48 states of the U.S. and in Canada.

Do I need a home inspection to be approved for a plan with HomeServe?

A home inspection is not required by HomeServe.

How do I file a claim with HomeServe?

HomeServe’s emergency repair hotline is open 24 hours a day, seven days a week, including holidays.

Customer Support

HomeServe provides a toll-free customer service number on its website. We were connected in one ring with a customer service representative.

HomeServe customers can also submit claims via the customer portal.

Privacy & Security

HomeServe has a Privacy page on its website detailing its privacy policy and website security. The company’s Privacy page states it may share or disclose personal information with its affiliates, service providers, or other third parties that work with them.

In Conclusion

HomeServe offers 24/7 customer service. In addition, the company has a unique one-year warranty on workmanship and has a wide variety of plans for every budget. Another unique aspect of HomeServe is they don’t charge a service fee for repair visits with some of their plans. Online reviews and ratings are mostly favorable.