HomeServe USA

Homeserve USA Insurance Guide

We are all well aware that as homeowners, we don’t want another insurance premium to worry about. You might be in a situation where you are alreaedy paying for PMI and homeowners insurance. The last thing you want is to pay for another insurance policy, right?

But what if a critical system in your home stops working?

Can you afford to pay thousands of dollars to have one of the following systems repaired?

  • Heating and cooling
  • Water
  • Gas
  • Electric

Homeserve USA can help, offering you insurance that actually covers the critical components of your home – not just disasters.

What Does Homeserve Offer Homeowners?

How Does HomeServe Insurance Work

Homeserve USA has been serving North America since 2003, and the company serves over 4 million customers. The company partners with municipal, utility, and associations in Canada and the United States.

Working with over 600 associations, the company is able to provide prompt, reliable service.

Homeserve has an A+ rating with the Better Business Bureau, and the company has one main focus: customers. Homeserve offers the industry’s best emergency repair services.

What Homeserve Does

Emergency home repairs can wipe out most Americans’ savings accounts.

Statistics show that the average household has $11,700 in savings, but this includes a lot of age groups. A couple under 34 years of age with children have an average of $3,682 in savings.

This figure rises to $10,399 for people between the ages of 35 and 44.

Singles have significantly less savings than couples, too.

CNN Money conducted a survey in 2018 and found that only 39% of Americans could afford a $1,000 emergency expense.

A furnace replacement averages $2,150 to $5,900.

When an emergency home repair is needed, Homeserve kicks in to fund the repair and ensure that you don’t go broke, or cold, in the process. There are affordable plans along with:

  • 24/7 hotline
  • One-year guarantee on all repairs

You may be able to secure:

  • Gas line coverage
  • Water line insurance
  • Electrical system insurance

When you contact Homeserve, you’ll find that the company’s customer-centric approach is refined. The company outlines everything, including what you’ll be buying from them, what you’ll be paying and even how to make a claim (if and when you need to make one).

Available HomeServe Plans

Mike Rowe Home Owners Insurance Plan

Homeserve has plans for several key home components. The plans include:


If your home is older and has an older plumbing system, you can be sure that something will go amiss in the future. You may have to have a water line replaced (it is your responsibility), or you may start to have interior leaks.

No one thinks about their plumbing system until something goes wrong.

Homeserve’s plumbing insurance has several different coverage options that will help you pay for unexpected repairs. The insurance that is offered includes:

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

You can take out plans that cover all of your home’s plumbing systems outlined above. When you make a call to have a service performed, you’re guaranteed to have a local, licensed and insured plumber come to your home.

The repairs can be a leaking hot water heater pipe, interior pipes, drain lines, septic blocks and fusing, collapses, pipe cutting, excavation of water service lines and more.

Your homeowner’s insurance will not cover many of these key areas.


Electrical systems are key to a home’s function, and these systems are also very expensive to repair. You’ll have to spend a bundle to repair one of these systems. The systems that are covered include:

  • Exterior electrical line coverage
  • Interior electrical line coverage
  • Electrical surge coverage, with a $1,000 annual benefit

Homeserve acts as your first line of defense when electrical problems occur. The coverage will offer you options if your home has power failure, faulty wiring, shorts, electrical wiring breakdown and most electrical component failures.

There is also a $1,000 bonus benefit for electrical surges. These surges can happen at any time, and they can cause significant damage to your home’s electrical system.

Heating and Cooling

Heating and cooling plans ensure that your HVAC systems are always up and running. You never have to shiver through a cold night or sweat the day away in the summer when you have the right coverage.

This is the most extensive plan and offers coverage for:

  • Cooling systems
  • Gas lines
  • Heating systems
  • Water heaters

You’ll also find a water heater repair and replacement plan. A replacement plan is a smart choice and can replace your water heater when it starts leaking or is beyond the point of repair.

If you have an older home, you really need to consider each of these plans.

Combo Plans

Combination plans are available, including plans that cover all of your heating and cooling, plumbing, exterior plumbing, and interior plans. There is a premium home protection plan that will cover all of your home’s systems, including:

  • Sewer
  • Septic
  • Water service line
  • Interior plumbing
  • Heating and cooling
  • Electrical
  • Water heater
  • Gas line

You’ll be able to discuss all of your options with Homeserve and choose a plan that works within your budget and home’s needs.

Is Homeserve Insurance Worth It?

The million-dollar question: is Homeserve worth it?

The majority of homeowners that have insurance with the company recommend it.

HomeServe Reviews

The company has a lot going for it:

  • Industry veteran
  • 24/7 service calls
  • A+ rating on the BBB
  • Low chance of claim denial
  • Service fee choice

Homeserve also has their own app now, so it’s easier than ever to be able to file a claim and use the coverage that you pay for.

Complaints come from poor communication and promotions.

Monthly costs vary from $43 to $53 a month, but this figure will vary depending on the coverage options that you choose. There will be a coverage limit, so make sure to discuss the limit that your coverage offers with a representative.

Policies renew every 30 days.

When reading through reviews, one of the biggest complaints is that the company renews subscriptions every 30 days. If you go into the service understanding that automatic policy renewal occurs, you won’t have many issues.

One recent comment from a consumer states that they called for an emergency plumber in the middle of the night and the plumber was sent promptly in the morning. An email with a picture of the service technician was sent to the homeowner prior to the technician’s arrival.

The repairs were made promptly and without any additional cost to the consumer.

Response times are great, service is prompt and the company’s communication seems to have really improved recently. The company works hard with all parties involved to ensure that when a claim is made, it is resolved to the satisfaction of the homeowner.

Homeserve is the coverage that your homeowner’s insurance is meant to offer but does not. With a low monthly fee and no long-term commitments, you can sleep well at night knowing that your home’s major systems are covered by one of the industry’s top companies.


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