HomeServe USA Review

Why should you read this HomeServe USA review for 2019? Because here you will find all of the information about the company's operation you will need when choosing a home warranty service provider. The analysts at studied the company’s terms and conditions, pricing, coverage, as well as HomeServe USA reviews from its customers. We also compared it to some of the best home warranty companies. We show you here all the pros and cons of this provider to help you in making the right choice. If you want to have peace of your mind about your home repairs, read this review carefully, and decide whether this company suits your needs or not.

Updated for Apr 28, 2019

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HomeServe USA Reviews by Our Readers
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Covered States
Hawaii Alaska Florida New Hampshire Michigan Vermont Maine Rhode Island New York Pennsylvania New Jersey Delaware Maryland Virginia West Virginia Ohio Indiana Illinois Connecticut Wisconsin North Carolina District of Columbia Massachusetts Tennessee Arkansas Missouri Georgia South Carolina Kentucky Alabama Louisiana Mississippi Iowa Minnesota Oklahoma Texas New Mexico Kansas Nebraska South Dakota North Dakota Wyoming Montana Colorado Idaho Utah Arizona Nevada Oregon Washington California
Plans and Coverage:
The Fine Print:
Editor Rating:
Reader Rating:
Covered Appliances and Systems
Facts and Figures
30 days
Effective in
$48 - $840
Pros And Cons
Excellent BBB rating A+
Market veteran
Great coverage plans
Different plan types available
Free cancellation within 30 days
24/7 service calls

Unexpected fees reported
Poor communication reported

Editorial Notes

Being an experienced home warranty service provider, HomeServe USA has acquired a solid position in the market. This is testified to by their BBB accreditation, and an A+ rating. Moreover, we found positive customer comments on such customer rating sites as Yelp and Google Reviews. 

HomeServe USA provides protection predominantly for home systems, offering as many as twenty three packaged plans. This may not suit homeowners who want protection for their home appliances, and the selection of covered systems is limited as well. 

Despite the low premiums at first glance, the total will be higher than most companies require for a complete systems plan. However, what makes HomeServe USA appealing is the absence of service call fee, which is unusual for the market. Another advantage of this company is the round-the-clock accessibility of its reps, providing you with professional contractors ready to solve your problems as soon as possible. 

Premium cost level:


There are several signs of a home warranty company's credibility. First of all, is its experience and the number of customers served. This company was started in 2003 in Norwalk, Connecticut. It has successfully provided its services to homeowners across the USA, excluding Hawaii and Alaska. 

If you are dissatisfied, or any disputes occur, they will be resolved by arbitration or in small claims court. 


Online chat
Social media

Another sign is a company's accessibility. You can contact HomeServe USA at 601 Merritt 7, Norwalk - the company’s headquarters, or you can use a contact form on the official website. There is also an online chat and pages on Facebook, Twitter, and YouTube available. This makes HomeServe USA user-friendly and convenient.

Benchmarks HomeServe USA Other companies

Company size
No data
0 1,650
Annual revenue
No data
0 $1,276,000,000
Number of homeowners
No data
0 2,200,000
Number of BBB complaints closed within last 3 years
0 14,850
0 383,900
Number of independent contractors
No data
0 44,000


BBB accreditation
A+ (Accredited)

Finally, this home warranty service provider has a high A+ rating from the Better Business Bureau, as well as their accreditation. This can give you a just reason to trust your home protection to HomeServe USA.


Most home warranty companies offer various coverage plans providing protection for home systems and appliances separately, or combine them. HomeServe USA covers mainly home systems and has twenty-three plans—one for each system, along with combo plans for several items, and one appliance plan for water heater available. There are plans for heating and cooling systems, for electrical interior and exterior wiring, and internal and external plumbing. This is not very convenient, as people want whole house protection in addition to their home systems.

Costs fluctuate between $48 to $840 per year. It may seem beneficial, but few homeowners want protection for only one of their systems, but buying combo coverage for HVAC, electrical, and plumbing systems will cost much more than the industry average. For example, one of the home warranty leaders—Endurance Home Warranty—requires around $420 for its systems plan, whereas protection for only your plumbing system will cost you $540 at HomeServe USA. If you want to know what is covered under this contract, see the table below.

Unlike most home warranty service providers, HomeServe USA does not provide optional coverage. Moreover, there is no data on limits available, and not all plans are effective for certain systems. The company reps should be able to provide you with this information. However, the most appealing thing about this company might be the fact that you do not need to pay any deductibles when making a service call. This rarely happens in the industry, and most companies charge an average of $75 for a service call.

Summary of plans and coverage:

Coverage Term
Service Call Fee
ItemsLimit Silver Systems Plan Silver Appliance Plan Gold Combo Plan Gold Combo Plan Silver Systems Plan Silver Systems Plan Gold Combo Plan Silver Systems Plan Silver Systems Plan Silver Systems Plan Silver Combo Plan Silver Systems Plan Silver Systems Plan Silver Systems Plan Silver Systems Plan Silver Systems Plan Silver Systems Plan Silver Combo Plan Silver Systems Plan Silver Systems Plan Silver Systems Plan Silver Systems Plan Silver Combo Plan Optional Coverage
Premium Amount - $4.00 $7.00 $70.00 $56.00 $19.00 $6.00 $30.00 $11.00 $4.00 $11.00 $20.00 $4.00 $5.00 $7.00 $10.00 $10.00 $4.00 $16.00 $6.00 $11.00 $4.00 $11.00 $45.00 -
Service Call Fee - $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 -
Term, Month - 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 -

Air Conditioning and Heating Systems
HomeServe USA covers all parts and components needed for the proper operation of heating and cooling units, such as relays, transformers, valves, and motors. Exclusions are any damages caused by wrong usage, air ducts, wiring, or parts external to the unit. It is remarkable that you can have refrigerant maintenance reimbursed once per season. Moreover, there is a HomeServe USA plan that covers heating tune-ups.

Plumbing System
Plumbing system protection provided by this company includes interior and exterior pipe maintenance. You can choose plans for water, gas, sewer and septic lines, interior plumbing, and drainage. This contract does not cover repair or replacement of any fittings or fixtures, as well as thawing or frozen pipes. 

Electrical System
HomeServe USA offers coverage for interior and exterior wiring repairs. Protection of internal wiring includes repair of broken outlets, light switches, along with wiring that carries electricity to the home. As for external electrical service, weatherhead, insulator, riser, meter base, and service entrance conductor will be reimbursed. 

Home Appliances
Unlike most home warranty companies, HomeServe USA does not cover kitchen or laundry equipment. It provides protection for water heater only, both gas and electric. This contract covers the most essential components of this equipment unless it was used improperly, or its repair is dangerous. Any piping, electrical service wiring, commercial grade water heater, or tanks larger than 100 gallons will not be reimbursed.

The Fine Print

Comparison to Industry
Coverage effective after
Above industry average
Cancellation with refund within
Above industry average
Cancellation fee
Automatic policy renewal
As 94.6% of industry
Time to cancel automatic renewal
Fee for contract transfer
Max time to submit claim
Repair timeframe
Repair timeframe (weekends and holidays)
Free second opinion
Emergency service available
Hours for service calls
As 85.2% of industry
Reservice if repairs fail
Standard for industry
Free reservice period (parts)
At industry maximum
Free reservice period (labor)
At industry maximum

A company's credibility can be determined by how clear the company’s terms and conditions are stated. For this part of the HomeServe USA review we studied the website to help you decide if this provider is worth your trust and money.

We found the following: After signing a contract, your coverage starts in 30 days which is a little longer than most home warranty companies require. If you change your mind, or are dissatisfied with HomeServe USA, you can cancel your commitment with a refund during 30 days, which is longer than many companies allow.

HomeServe USA reps accept claims 24/7, which is a plus because problems can arise at any time. Moreover, this company provides the longest period of free reservice in the industry if repairs fail—365 days for both parts and labor—whereas leading companies such as Total Home Protection and Choice Home Warranty offer a maximum of 90 days.

We do not know much about the important aspects of HomeServe USA's operation, such as repair timeframes, or if there is emergency service available. This is due to the fact that there is no free access to the company’s terms, and as a result, can cause unpleasant surprises.

Customer Reviews and Feedback

Quotes from actual customer reviews:

The tech was polite courteous and pro. Even offered advice on my particular system. Having someone in your home can be unnerving, but Homeserv made me feel at ease with the job in their hands. Small window of time given same day and kept!

Google Reviews, June 1, 2018

- not bad after all, I had to make few calls to set up the appointment, but technician came according to schedule and fixed the issue quickly.

Yelp, Springfield, Virginia May 7, 2018

Summary of ratings from popular review sites:

HomeServe USA Industry Average


Relative Score

Adjusted Score

Ripoff Report
Pissed Consumer
Google Reviews
Trust Link

Summary Rating

Types of repairs performed according to customer feedback:

Plumbing Heating system Air conditioner Outside water line Outside sewer line

Main takeaway points from customer feedback:

HomeServe USA
Industry Average
Good work
Professional contractor
Good communication
Money offer
Fast work
Act of good faith
Communication problems
Repair delay
Claim denial
Tricky terms
Unexpected costs
Unprofessional contractor
Payment delay

Here we will provide you with the most recent HomeServe USA reviews from the biggest customer rating sites, such as the BBB, Yelp, and Google Reviews. Although there are low scores, for instance from Yelp, the average rating of 2.1 is higher than many home warranty companies scores. 

Customers of this company are pleased with the good work and professional technicians more often than the industry average. However, HomeServe USA complaints connected with communication problems and unexpected costs also occur more frequently.

After all, the biggest proof of this company’s reliability is the BBB high score and accreditation, which says a lot about the high level of customer satisfaction with this home warranty company. 

The Final Words

Is HomeServe USA good?

This HomeServe USA review aims to help you answer this question. Being an experienced home warranty service provider, HomeServe USA has been successfully operating in a majority of  US states and Canada. The company protects mainly home systems, and its premiums can seem attractive. However, buying several plans to cover the most essential items results in higher costs than the industry average. There are so many plans, but in fact, the list of covered items is quite short. Beside this, it is very easy to get confused with such a variety of packages. 

In addition, the protection plans can differ from state-to-state. You should clarify this with the company reps. HomeServe USA does not provide any add-ons, which is unusual for the market. It is also difficult to judge the company’s cost-effectiveness without data about its coverage limits. 

However, existing customers of this provider are pleased with its services despite some negative HomeServe USA reviews. If you feel that HomeServe USA is reliable enough for your home protection, contact them for a quote. If you are still unsure, then look through the list of home warranty companies on to find the company that best fits your needs.

Plans and Coverage:
The Fine Print:
Editor Rating:
Reader Rating: