HomeServe USA Review

Data and ratings accurate as of March 2019

By House Method | Advertiser Disclosure

HomeServe USA is certainly an outlier when you stack it against other home warranty companies. Its optionality and focus on utility lines is interesting to our team at House Method though, so we reviewed the company for homeowners who are equally intrigued.

In addition to details on what’s covered, how much it costs, and how it works, we’ve aggregated HomeServe USA reviews so you can make a smarter decision when choosing a home warranty company.

Best for utility line coverage

HomeServe USA is the best home warranty for utility line coverage. It covers emergency home repairs that homeowners insurance and utility companies don’t.

No service fee
After hours service
One-year repair guarantee

HomeServe USA cost

HomeServe’s plans range from $5 to $70 per month. Enter your zip code into HomeServe’s website to get an accurate quote for your location.

Service fee

Unlike all home warranties we’ve reviewed, which charge a service fee of at least $75 per claim, HomeServe USA customers do not pay a deductible.

HomeServe USA coverage

Most companies have two to four home warranty plans that cover a combination of home appliances and systems. HomeServe does not cover appliances, but rather major utility lines, like plumbing, electric and gas, and heating and cooling. It has 17 plans to choose from. Here’s the breakdown:

Three plumbing plans

  1. Exterior water service line coverage
  2. Exterior sewer/septic line coverage
  3. Interior plumbing and drainage system coverage

Two electrical plans

  1. Interior electrical line coverage
  2. Exterior electrical line coverage

Five heating and cooling plans

  1. Cooling system coverage
  2. Heating coverage
  3. Water heater repair
  4. Water heater repair and replacement plan
  5. Gas line coverage

Seven combination plans

  1. Exterior pipe plan
  2. Heating and cooling plan
  3. Home comfort plan
  4. Complete plumbing plan
  5. Interior protection plan
  6. Home plumbing and drainage coverage
  7. Premium home protection plan

Coverage length

HomeServe USA customers will have a 30-day waiting period between signing up and when coverage actually begins. Coverage is then effective 11 months after it begins.

Coverage exclusions

HomeServe will cover the repair and replacement costs of covered items that break due to normal wear and tear. You’ll have to refer to the terms and conditions of your particular plans to find out what is exactly covered and what isn’t.

HomeServe’s payout limit of $10,000 per term is far more generous than any other home warranty company’s; however, utility line repair and replacement costs are also much more expensive than a broken dishwasher. Here’s a quick rundown of


  • Cost to repair $284
  • Cost to replace $4,249


  • Cost to repair $305
  • Cost to replace $1,038


  • Cost to repair $317
  • Cost to replace $1,287

HomeServe USA claims

When a covered utility line breaks, you can call HomeServe USA at its 24/7 hotline to schedule an appointment with a certified professional.

After approving the claim, HomeServe will dispatch a local, licensed technician to assess the problem. Repairs are guaranteed for one year, except for Surge Plans, which have a 90-day repair guarantee.

Summary of benefits

Average Cost Per Month $5–$70
State Availability 36 states
Service Fee $0
Contract Term 11 months
Time in Business 16 years
Better Business Bureau Rating A+
Review last updated: March 29, 2019


More about HomeServe USA

Years in business

HomeServe was established in the UK in 1993. It expanded its services to North America in 2003.

HomeServe USA ratings

As an accredited business, the Better Business Bureau gives HomeServe USA an A+ rating, which is almost unheard of in the home warranty industry. The only other home warranty company that we’ve reviewed that has aced the BBB’s test is 2-10 Home Buyers Warranty.

Consumers Advocate gives HomeServe a 7.6 out of 10, which is very good. It references the company’s 24/7 hotline and one-year repair guarantee in its review, but Consumers Advocate warns customers to read their service agreement closely to understand the plan’s exclusions.

HomeServe USA reviews

Here are a few standout HomeServe USA reviews from the company’s website.

Denice from Willingboro, New Jersey

We turned our central air on for the first time. It was not working properly. Called HomeServe and a technician was at our house within three hours and fixed the central air.

Hui from Grandview, Missouri

Excellent services and fast response. The repairman came within an hour and got the main sewer line unclogged. Cannot be happier.

Barbara on March 29, 2019

The service was unbelievable! [I] called late one afternoon and the repair folks were there the very next morning and fixed my problem in less than an hour!

Our conclusion

We give HomeServe 3.25 out of 5 stars. Some value props that make HomeServe stand out include its A+ rating from the BBB, its international presence, 17 plan options priced within an affordable range, a one-year repair guarantee, and a zero-dollar deductible.

So why isn’t it 5 stars? Well, HomeServe doesn’t cover any appliances as every other home warranty company does.

Customers are also limited to about two service calls per term whereas other home warranty companies allow customers to submit an unlimited number of claims.

Compare home warranties

HomeServe USA is a good choice for you if …

  • you are worried about your main utility lines
  • your local utility company does not offer insurance
  • your appliances are protected under a manufacturer’s warranty

Compare HomeServe USA to the competition.

Plan options
Monthly cost
BBB rating
Repair guarantee

6.5 / 10
Plan options


Monthly cost


BBB rating


Repair guarantee

1 year

2-10 Home Buyers Warranty logo

6 / 10
Plan options

2 + add-ons plus structural home warranty plans

Monthly cost


BBB rating


Repair guarantee

Duration of the service agreement

10 / 10
Plan options

2 + add-ons

Monthly cost


BBB rating


Repair guarantee

90 days

Frequently asked questions

What is HomeServe USA?

HomeServe USA covers emergency home repairs of plumbing, electrical, heating, and cooling systems when they break from normal wear and tear. These repairs are not covered by homeowners insurance or utility companies.

Does HomeServe cover appliances?

No, HomeServe does not cover appliances. It only covers water, sewer, electrical, gas, and HVAC lines and systems.

How do I cancel my HomeServe policy?

Customers can cancel their HomeServe policy at any time by calling customer service. Having your policy or plan number handy will streamline the process.

Customers will receive a full refund if they cancel within the first 30 days of the contract. After the first 30 days, customers will receive a prorated refund.

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