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HomeServe Reviews & Coverage Plans (2022)

Is HomeServe the right home warranty provider for you? Read our HomeServe review to learn more about the company’s coverage plans, pricing, and ratings.
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HomeServe is a home warranty company that offers a variety of plans to protect your home appliances, systems, and utility lines. To help you determine if the provider is right for you, we've analyzed its coverage options, pricing, and customer reviews.

Note: If you're looking for the best coverage on common home systems and appliances, we recommend American Home Shield, which is our top-rated home warranty company. To get a free quote from AHS, fill out this online form or call 844-529-9298.

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Background & Availability

HomeServe was founded in 1993 in the United Kingdom and began offering home warranties in the U.S. a decade later. The company currently serves over four million homeowners in the U.S. and Canada. It's available in the following 14 states:

HomeServe Plans

HomeServe offers four types of home warranty plans: plumbing plans, electrical plans, heating and cooling plans, and combo plans.

Plumbing Plans

HomeServe sells three different plumbing plans: an interior plumbing and drainage system plan, an exterior sewer/septic line plan, and an exterior water service line plan. Here are the common repairs and expenses covered under each plan.

Interior Plumbing and Drainage System Plan

  • Leaking supply pipe to hot water heater
  • Burst interior water pipe
  • Overflowing toilet or sink due to clogged drains
  • Leaking wax seal
  • Blocked drain

Exterior Sewer/Septic Line Plan

  • Locating the blockage or collapse
  • Excavation to expose pipe
  • Pipe replacement or repair
  • Repair or replacement of seals and joints
  • Unblocking
  • Fitting external valves
  • Fusing
  • Welding
  • Pipe cutting
  • Backfilling of areas disturbed by repairs
  • Restoration of your yard, pavement, or landscaping disturbed or excavated as part of a covered repair on your property

Exterior Water Service Line Plan

  • Excavation to expose pipe
  • Pipe replacement or repair
  • Repair or replacement of seals and joints
  • Unblocking
  • Fitting external valves
  • Fusing
  • Welding
  • Pipe cutting
  • Backfilling of areas disturbed by repairs
  • Restoration of your yard, pavement, or landscaping disturbed or excavated as part of a covered repair on your property
  • Locating the leak

Electrical Plans

HomeServe offers two electrical coverage plans: an exterior electrical line coverage plan and an interior electrical line coverage plan. Here are some common repairs and parts that are covered under these plans.

Exterior Electrical Line Coverage Plan

  • Weatherhead
  • Insulator
  • Riser
  • Meter base
  • Service entrance conductor

Interior Electrical Line Coverage Plan

  • Faulty wiring to wall light
  • Faulty or damaged electrical outlet
  • Broken light switch
  • Faulty or damaged GFCI outlet
  • Faulty wiring to exhaust fan
  • Other qualifying repairs to the wiring that carries electricity to points of use in your home
  • Distribution center (panel or fuse box)
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Heating and Cooling Plans

HomeServe sells a total of five plans that protect items in your heating and cooling units. Note: Even though two of the plans look similar, one only covers water heater repairs while the other covers both water heater repairs and water heater replacements. Here's a breakdown of what's included in each plan.

Cooling System Coverage Plan

  • Capacitors and circuit boards
  • Internal fuses or breakers
  • Condensate pumps
  • Condenser motor and fan
  • Contactor switches and delay timer
  • Fan controls, relays, and filter dryer
  • High and low pressure switches
  • Limit controls
  • Refrigerant (excluding maintenance recharges)
  • Relays, transformers, and valves

Gas Line Coverage Plan

  • Replace section of natural gas supply line
  • Repair/replace gas safety shutoff valve
  • Repair section of pipe to your furnace

Heating System Coverage Plan

  • Air scoops and aquastat
  • Barometric damper
  • Blower motors and assembly
  • Fan and limit controls
  • Fusible links and gas valves
  • Blower and low water cutoff
  • Main and pilot burners
  • Pilots and thermocouples
  • Pressure switch and regulator valves

Water Heater Repair and Replacement Plan

  • Burner supply tube and assembly
  • Drain and gas valves
  • Pilot light
  • Temperature control
  • Main burner

Water Heater Repair Plan

  • Burner supply tube and assembly
  • Drain and gas valves
  • Pilot light
  • Temperature control
  • Main burner

Combo Plans

HomeServe offers nine combination plans and each one covers a variety of home appliances, systems, and utility lines. The TotalHome Warranty Combo and TotalHome Warranty Appliances package focus on home appliances and systems, while the Premium Home Protection Plan provides coverage for utility lines. Here's a breakdown of those three specific combo plans.

TotalHome Warranty Combo Plan

  • Central vacuum
  • Clothes dryer
  • Clothes washer
  • Dishwasher
  • Kitchen refrigerator
  • Garage door opener
  • Built-in microwave
  • Range/oven/cooktop
  • Trash compactor
  • Central vacuum system
  • Doorbell system
  • Ductwork
  • Interior electrical system
  • Cooling system (including heat pump)
  • Internal plumbing system
  • Garbage disposal
  • Heat system
  • Water heater
  • Attic and ceiling fans

TotalHome Warranty Appliances Plan

  • Clothes dryer
  • Clothes washer
  • Dishwasher
  • Kitchen refrigerator
  • Garage door opener
  • Built-in microwave
  • Range/oven/cooktop
  • Trash compactor

Premium Home Protection Plan

  • Exterior water service line repair
  • Exterior sewer/septic service line
  • Gas line
  • Interior plumbing and drainage
  • Exterior electrical line

HomeServe Cost

The availability and cost of each HomeServe plan will depend on your location. Here's a pricing breakdown of a few HomeServe plans offered in Durham, NC.

  • Exterior Water Service Line Plan: $7.95 per month
  • Exterior Sewer/Septic Line Plan: $12.98 per month
  • Interior Plumbing and Drainage System Plan: $18.99 per month
  • Interior Electrical Line Plan: $11.99 per month
  • Exterior Electrical Line Plan: $5.79 per month
  • Cooling System Plan: $12.99 per month
  • Heating System Plan: $12.99 per month
  • Water Heater Repair Plan: $6.99 per month
  • Water Heater Repair and Replacement Plan: $8.99 per month
  • Gas Line Plan: $4.99 per month
  • Premium Home Protection Plan: $55.99 per month
  • Home Plumbing and Drainage Plan: $21.98 per month

How to Submit a Claim

To file a claim with HomeServe, homeowners can call the company at 855-336-2465 or send an email to Note: HomeServe doesn't charge a deductible for claims, which is unusual in the home warranty industry. Most home warranty companies charge $75 to $125 for each submitted claim.

HomeServe Customer Reviews

HomeServe holds an A+ rating from the Better Business Bureau (BBB), which evaluates companies based on factors like the number of complaints it receives from customers and whether the complaints have been addressed by the business.

In terms of customer reviews, HomeServe holds a high rating on its BBB webpage based on several hundred reviews. Many users reported that their customer service experiences with HomeServe were positive and that the company's technicians were professional. Other customers were surprised by unexpected claim denials and they reported communication issues with the company.

Here are some sample reviews from HomeServe customers:

"Excellent service. A technician showed up to evaluate the problem and I had it fixed within a week. I was very surprised by the expediency of the service even though it was not an emergency situation."—Chris W. via BBB on September 7, 2020

"I submitted a request for a repair of my clothes dryer on July 20, 2020. I was told a technician would call me the next day for a repair. I have made countless telephone calls [since then, and I've been] placed on hold every time."—Daniel D. via BBB on August 10, 2020

Verdict & Recommendation

HomeServe's positive reputation, large variety of protection plans, and lack of a deductible make it a decent option for home warranty coverage. However, if you don't live in one of the 14 states covered by HomeServe, or if you're not looking for a company that specializes in utility line coverage, one of the home warranty companies below may be a better option.

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Best Home Warranty Companies

To help our readers find the best home warranty company for their needs, we analyzed a variety of providers on factors like coverage, pricing, and reviews. Our analysis found that American Home Shield, Select Home Warranty, and Choice Home Warranty are three of the best home warranty companies available.

American Home Shield offers three coverage plans that cost between $40 and $58 per month, and the company allows customers to choose from three different service call fees. To get a free quote from American Home Shield, call 844-529-9298 or complete this form.

Choice Home Warranty offers the best basic plan in the industry, covering a combination of appliances and systems and not making customers choose. For a free quote from Choice Home Warranty, call 929-400-6165 or complete this form.

Select Home Warranty frequently offers discounts and is a great choice for budget shoppers. It has three coverage plans that all cost under $50 and the provider offers a standard service call fee of $75. To get a free quote from Select, call 888-370-3956 or complete this form.

Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:


What we consider

Plan Options

The number and type of plan options offered to customers


The types of items included in a policy


How much each plan costs and the service fee options

Company Reputation

How the company is perceived through Better Business Bureau (BBB) ratings and a company's years in business

Customer Service

The customer service team's availability, what guarantees are offered, and what customer communication channels are provided (online customer portals, quote forms, etc.)

Unique Benefits

Factors that make the customer experience more seamless, such as allowing customers to choose their own contractor

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

Frequently Asked Questions About HomeServe

Is HomeServe a reputable company?

Yes. HomeServe holds an A+ rating from the BBB and has a 3.6-star customer review rating on its BBB webpage.

Is a home warranty plan worth it?

Many homeowners find that purchasing a home warranty plan is valuable because it protects them from the large cost of paying for home repairs or replacements out of pocket. Replacing an air conditioning system, for example, can easily cost thousands of dollars. Homeowners with a home warranty plan wouldn't have to pay full price for that kind of replacement.

Which home warranty company offers the best membership perks?

Cinch Home Services offers one of the best service guarantees among home warranty companies, covers damage due to rust and corrosion, and offers discounts on appliances. Cinch's 180-day workmanship guarantee is nearly six times longer than the industry standard.