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Do you ever worry that your home owners insurance doesn’t cover the things you really need it to, like everyday repairs in your home? That’s because it doesn’t. That where the best home warranty companies come in. Instead of looking to online loan companies or short-term money solutions, you can be covered for those repairs with a home warranty.
HomeServe USA reviews show it as one of the top-rated home warranty services available, which can make it a good financial decision for anyone looking to insure the parts of their home not covered by home owners insurance. Here’s our review of HomeServe USA, along with a highly-rated alternative home warranty service, Select Home Warranty.
|Rank||Home Warranty Company||Best For||Cost||STL Rating|
|1||Select Home Warranty||Overall Service||$299 to $499/year||★★★★★|
|2||Choice Home Warranty||Trusted Contractors||$378 to $450/year||★★★★|
|3||American Home Shield||Most Popular||$29.99 to $39.99/month||★★★★|
|4||HomeServe USA||Options||$4/month (minimum)||★★★|
HomeServe USA is an independent, leading provider of home repair service plans. For more than a decade, they have protected homeowners against the expense and inconvenience of water, sewer, electrical, heating, cooling and other home emergencies by providing affordable coverage and quality service.
HomeServe USA offers repair plans that help protect homeowners from the high cost and hassle of covered home repairs. Most basic homeowners insurance policies and local utility companies or municipalities do not cover repairs to/replacement of the major systems in and around your home if due to normal wear and tear.
HomeServe USA repair plans cover parts and labor to repair or replace critical water, plumbing, electrical, gas, heating and cooling systems due to breakdown as a result of normal wear and tear, but not accident or negligence. In addition to repair plans, they also offer other repair solutions, including on-demand repair services.
Most homeowners with appliances can get approved easily, so there is no need for credit checks. If you are looking for an alternative, Choice Home Warranty is good choice.
HomeServe USA offers comprehensive plumbing repair plans that cover most major sources of plumbing issues.
Exterior water service line repair coverage extends from all points between the main water line to the entry point of the home. With age and weather, exterior pipes can experience significant corrosion, causing leaks and breaks when line protection fails. Most of the time these types of repairs are not covered by a homeowner’s policy, so water line coverage is the only means of protection.
HomeServe USA also provides affordable repair plans for interior plumbing and drainage needs. As a home gets older, its pipes can become brittle and susceptible to cracks, especially at bends and junctions. When this happens within the walls of your home, it can lead to other substantial damages, including mold that can sicken your entire family.
The final major plumbing coverage is equally significant. By purchasing a repair policy for the exterior sewer line or septic tank, you are protecting yourself against a potential major expense. Since sewer lines and septic tanks are always buried deep underground, repairs are typically quite expensive simply due to the labor involved.
While home repairs are usually associated with plumbing, electrical or HVAC work, appliances are just as likely to cause major disruptions in your life. Since the factory warranties are usually lacking in their coverage and expire before they’re even needed, appliance repair management from HomeServe USA can be a beneficial addition to your family’s collective peace of mind. HomeServe USA has three appliance plans to choose from:
With their Kitchen Appliance Repair Plus coverage, HomeServe USA provides repair coverage for your refrigerator, built-in microwave, stove, oven, range and dishwasher. Given the amount of use all of these appliances absorb on a daily basis, the Kitchen Appliance Repair Plus policy provides protection against the inevitable.
HomeServe USA also offers Laundry Appliance Repair Plus coverage to cover your washer and dryer. Just like the kitchen appliances, your laundry appliances take a significant amount of abuse simply due to the frequency they’re used. Thankfully, HomeServe USA can step in and handle the financial side of repairs when your washer and dryer require service.
For those looking for more comprehensive coverage, this company also offers their Home Appliance Repair Plus coverage that includes everything from the kitchen and laundry appliance policies. This is the most popular of their appliances coverage lines, and it offers a discount when compared to the kitchen and laundry appliance policies purchased separately.
The heating and cooling packages from HomeServe USA cover a huge variety of costly repair needs for your home, including:
Not all homes have all of these features. HomeServe USA understands this variability and instead offers each feature individually, so the homeowner is not forced to purchase unneeded coverage. With the hot summer months and freezing winters covering a significant portion of the country, heating and cooling coverage often comes in handy when you least expect it. It is also certainly appreciated when in working order.
HomeServe USA offers electrical coverage for both interior and exterior electrical needs. Between the climate, age, and wear and tear, electrical systems can have short shelf lives. Since nearly everything in your home runs on electricity, repair coverage is always a prudent decision given how much we depend on electricity for basic living needs.
HomeServe USA offers their various coverage packages for a monthly fee, which is determined by your coverage needs and where you live. Some of their specific features are unique within the home warranty industry and make HomeServe USA insurance exceptional.
HomeServe USA is a reliable, reputable company that does exactly what it says it does, never relying on an empty customer promise. They offer repair coverage plans for the major systems and appliances, and they have a customer base of more than 2.3 million homeowners. Affordable repair coverage can provide invaluable peace of mind in our fast-paced lives. While a HomeServe USA warranty can’t prevent breakdowns, it can certainly provide comfort when they happen.