HomeServe USA Reviews

HomeServe USA
( 38 reviews )

HomeServe USA Review: A Detailed Look

Reviewopedia staff  -  Updated:  July 25, 2023


HomeServe USA is an independent home repair service plans provider that covers services for plumbing, heating & cooling or electrical repairs.

The company states that they work with 600 partners throughout the US and Canada and that, since 2003, they have provided their services to over 4 million customers.

How Does HomeServe Work?

According to their website, more than 64% of consumers do not have the $1,000 on hand that they need on average to cover an unexpected, emergency home repair.

HomeServe USA points out that many people believe that when there is a problem with their sewer or other home utility piping, the repairs are the responsibility of the utility company or the city in which they live.

Unfortunately, many times this simply isn’t the case, and the homeowners themselves are responsible for these repairs which often end up being in the thousands of dollars to fix.

The goal of HomeServe USA is to provide their customers with a home service repair plan that will cover the repairs not covered by insurance or by the utility companies themselves. 

Their website says that they offer affordable plans which provide repair service 24 hours a day, seven days a week, with all repair work being done by local, licensed, and insured technicians with a $0 deductible and a one-year guarantee on all covered repairs.

Cost & Price Plans

The website is very clear that in order to determine pricing, customers will need to submit their personal residential zip code to the computer and see what kinds of plans will be available in their local area.

There, you will be able to see the costs of the different kinds of plans that you may want to purchase.

The website does say, however, that their plans can be as low as $4 per month, though it appears that they charge their fees annually rather than monthly.  

Refund Policy

Unfortunately this website does not appear to offer their customers any information regarding the opportunity to cancel their service and to receive a refund.

Generally speaking, most companies that offer their customers the opportunity to pay month-to-month without long term contracts will not provide a Refund Policy.

Companies that ask customers to pay for memberships annually may offer a policy that will provide a refund of fees paid as long as the service is canceled within the first 30 days.

This website does not indicate either of these approaches, so concerned customers will need to speak to a company representative regarding what policies, if any, they have regarding refunds.      

Customer Service Contact Info

Customers who wish to speak with Customer Service about their questions, concerns, or complaints can do so by:

Phone: 855-336-2465
email: [email protected]
Website’s Live Chat feature when available. 

HomeServe Reviews and Complaints

HomeServe appears to have mixed to negative customer reviews found online.

Consumer Reports conducted a review of HomeServe USA and other similar emergency repair service plans and concluded that most consumers should avoid these types of paid plans. 

Their report does reference a lawsuit filed against this company for misleading customers about the nature of some repairs and whose responsibility certain repairs were.

HomeServe USA did not admit wrongdoing but they did choose to settle the lawsuit. 

The reality, according to Consumer Reports, is that homeowners who have home insurance are better off simply taking the money they would pay into an annual plan and saving that money in a savings account to put toward repairs only after they know for a fact that the repairs are not covered under their home insurance plan.  

Competitors and Alternatives?

As mentioned above, there are different companies that offer similar services, but specific companies will be different depending on where you live and the type of coverage you hope to invest in.   

If you have any experience with HomeServe USA or their services, please leave your reviews below.

You may also be interested in

HomeServe USA Customer Reviews

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Bad business practices
September 7, 2023
I called when my sewer backed up and flooded our basement. They said they would send someone out in two days. That was August 24. A plumber finally arrived on September 7. The basement flooded each time it rained while we waited. The plumber was not equipped with a camera to check the sewer line and said Homeserve would need to send someone else out. I called homeserve immediately after the plumber left and was told they would not send anyone else out because my basement was dry right now (it’s not raining), that my basement had to be flooded before they could send someone out because the plumber would need the flood to investigate the sewer line problem. And that was all they would do for me… absolutely nothing. When I asked to talk to a manager, I was told I could pay for someone to come and camera my sewer line and prove to homeserve that they should send someone out. I have been paying for this insurance for two or more years. I could have saved that money and used it now.

Do not Buy their service.
August 8, 2023

It's almost a scam. They not only do not cover your cost, but also waste your precious time when an emergency comes.

I've been paying for the plan for more than a year, and I've finally realized it's a scam after calling them for services two times. In both cases they denied coverage. This is how it works: the contract is written in a way to ensure that they will almost never see a case that they need to cover.

I suspect that they work with service contractors to find any reason that allows them to deny coverage, and making it a model in which Homeserve basically becomes a service sourcing company for their contractors.

After they denied coverage in my recent call based on a speculation that my neighbor's yard work was responsible for the damage to my sewage line, I've had enough I canceled my plan immediately. In a nut shell, this company is not an insurance company, rather they are a service dispatcher, in which they get to charge both ways.


Major frustration and head-ache
July 14, 2023

For more than 10 years I am with home serve paying for the protection of water lines, sewer, and premium plumbing through Cleveland water company.

In June 19/2023 I called them to fix the main shut off valve in my house, to tell the story short, after few days they told me the job was done, and they asked me to rate my experience with Wiese Plumbing but in fact no plumber showed up and nothing was done, many calls to home serve and the Wiese Plumbing but they don't cooperate, at last I cancelled my subscription. Don't never ever deal with home serve, they suck the money from their customers but when you need them you don't receive any service, just head-ache and a major frustration.

June 24, 2023
They stole $101 out of my account, I do not know these people, I did not speak with anyone from this company and I do not have a contract of any kind with these people. THEY STOLE $101 AUTO DEBIT OUT OF MY ACCOUNT. THIEVES AND FRAUDSTERS.

Bad company management
March 31, 2023

I've been paying into Homeserve for 8 years, and I pay Homeserve $120 a month. That amounts to about$11,500 over an 8 year period. I am not satisfied with Homeserve's service.

4 days ago my electric in my kitchen and living room went out. I telephoned them. NO technician (electrician) has reached out to me. Homeserve told me that they sent out requests to 2 companies, however, both companies are a very FAR distance from where I reside.

I tried telephoning them but no one picked up. I wonder why. I live in Ceres, California. On each side of Ceres is Modesto and Turlock; both thriving cities where there are many/plenty of electricians.

There's also a lot of electricians in my city of Ceres. I am a senior and single. Tired of this third rate treatment. Please advise.

Diana Spinnato

2000 Bavil Drive

Ceres, CA 95307

(209) 996-2336

Also, the code I was supposed to be sent in order to authorize/send this message was NOT received. I tried 2 times. What a scam!

Not there when you need them!!
March 1, 2023
Homeserve's coverage isn't worth the paper it's printed on. They are not there when you need them and will not reimburse you for your expenses when you have the repairs made. They are Scam Artists!!!

February 8, 2023

I am a licensed plumber who provides warranty work for homeserve usa. I have been receiving calls from them for the last year and a half. I have read through almost all the negative reviews and have not seen on instance where home serve failed the client. Homeserve does an extensive back ground check on contractors. As far as home serve removing monies from peoples bank accounts thats not a true statement either. All there payments come through a utility company, in my 30 plus years of being a residential plumbing service and repair company out of all the home warranty companies out there I have found homeserve usa to be a reliable trustworthy company. I even have my home as well as my mother signed up..

raymondwei August 08, 2023

you are a shameful promoter. Sick.

WARNING: My mom is out $750, but you don't have to be.
January 27, 2023

WARNING: My mom is out $750, but you don't have to be. Upon becoming Power Of Attorney for my mom, I noticed 3 withdrawals for $31.42 - going to HomeServeUSA. I called their Customer Service 1-855-336-2465 and spoke w/ representative Allen Bower. He explained that my mom was enrolled in 3 protection plans for water/sewer/gas lines. I asked for documentation regarding her enrollment. He said they do not have any. He said she was enrolled by outbound call representative Maythya Utsey in Jan 2021, but there are NO NOTES regarding the enrollment conversation. Allen said where there should be enrollment notes, there was only an "X".

I explained that my mom's home is only 19 yrs old and she didn't need these plans. We have zero documentation of her enrolling in these plans. The company has zero written documentation of her enrollment in these plans. My mom does not have an email address, so how did they confirm her enrollment? I asked for a refund. He cancelled the plans and filed an enrollment dispute request and said I should get a call from management in 48 hours. I emailed their Customer Service to confirm the cancellations. I then looked them up on the Better Business Bureau website. Bam! I saw the company had 731 complaints on BBB in the last 3 yrs. I also found many complains about HomeServeUSA on The RipOff Report. Next day I got a call from Shawn Clark with Office of President, (423)-680-5171 [email protected] Shawn said he requested original phone call between the outbound rep and my mom and that it could take 48 hrs. He then proceeded to "sell" the benefit of their plans and explain that homes as young as my mom's could still need this type of protection plan. I replied that the chances of sewer lines failing in less than 20 years is too remote to justify an 80 year old on a fixed income to incur the expenses. He disagreed. I asked him what percent of homes less than 20 yrs old have failing sewer lines. He couldn't answer that question. He was irritated and kept telling me that I was not listening to him. I tell him that I will look forward to hearing from him next week and say good-bye.

He calls me back in 5 minutes bcuz they "miraculously" FOUND the 2 year old call, REVIEWED the call and NOW claims that my mother called their office and enrolled in their plans and he would NOT refund her money. This is EXACT opposite of what customer service rep Allen Bower told me the day before. When I challenged him and asked to hear the enrollment call he said NOT without a lawyer, court order and subpoena. His response was all the evidence I needed to know that he was making the whole thing up. Do NOT do business with HomeServeUSA.

With over 731 written complaints in 3 years, imagine how many people have been robbed and never made a complaint.

January 24, 2023

Waited for days for them to send someone to fix my dead elec water heater. They wanted to send people from Detroit. Had to wait for them to call, three different times, to which they said I am three (3) hours away and wouldn't come that far.

Then, after 5-6 more calls to them, I was advised I (!!!) had to contact a local plumber to which the two of them said they are months behind, maybe even 3-4 months. So, I quit paying the bill and canceled the monthly, and finally found a local plumber, who got my water heater replaced, who said the old one was definitely bad and should be covered by the warranty.

After telling them this, HomeServe, still said no way. TERRIBLE!!! DO NOT TRUST OR BUY FROM THEM!!!! IMHO

J January 24, 2023

Same experience

dont get near home serve
December 3, 2022
I checked my bank account today and home serve had got $65/58 cents out of my account somehow, and they sent the paper work to a different addrest across town to some one I never knew.

I guess ask them for all kinds of water repair
November 11, 2022

I have had HOMESERVE for a few years I thought since it said exterior all would be covered, wrong. I had a drain leaking well when the plumber came out he said it wasn't covered. It was external, insurance companies say anything to cheat you but 1 good thing the plumber wanted $4,200 HomeServe said $700.

plumbing repair not fixed
October 20, 2022

I called for a water leak in my house the tech came out within 24 hours and stood in middle of living room said he could not repair anything . the leak is in second floor of plumbing. he never even looked at pipes. since then home serve gives me a bunch of bs about water needs turned off and bunch of other stuff.

I have used this company for 5 years always satisfied till now if no resolved on Thursday oct. 20 cancelling all my plans this fly by night company used to be reliable not any more. I will speak to upper management very displeased with service right now been waiting a week for a repair.

Money down the drain
October 17, 2022
I paid into 3 Home Serve plans over a period of years and recently cancelled all 3. On Sept 22nd we found sewage in both bath tubs and were unable to flush toilets or run water without it getting worse. Needless to say I wanted it fixed as quickly as possible and called my plumber. He came in a couple of hours and snaked out our sewer drain. This helped but didn't fix the problem. I called HomeServe and spoke with a very sweet lady, Julie, who told me that I should have called them first. She was very nice and promised that I would be contacted soon, probably that evening. She repeated it twice. So 4 weeks later I've never heard back and have completed a sewer line replacement.

Sounds fishy
October 14, 2022

I do not know if they are legit or not, what I DO know is that I was sent information about a plan that cost $5 a month, so I *thought I signed up for it.

Then I received a follow-up letter saying the $5 plan was not available any longer, but I could sign up for a $5.25 a month plan. Ok. I'll bight.... *Thought I signed up for that plan.

Then, you guessed it!! Got another follow-up letter that said the $5.25 plan was not available any longer, but "guess what!! we have a $5.49 plan you can sign up for!!"

Sounds freaking fishy to me.

Great disappointment
October 12, 2022
I thought it was a very good idea to have protection against water/sewer leaks but they have spent a lot of time conjuring ways not to pay. Be very, very cautious before contracting with this company. They are in the business of figuring out how NOT to pay claims. Their reason for denial was false but I had no recourse.

Document everything with this company.
October 5, 2022

The blower on my furnace went out. Home serve sent a heating company out to supposedly fix the problem. INSTEAD, the heating company comes out, 1. they drill a hole in the CO exhaust of the furnace.

Then the service man turns to me and says, "You have a CO leak in your furnace. You're going to have to shut it down and buy a new furnace. " I said, "you just punched a hole in the exhaust pipe letting the CO into the house.

You made the leak". He said, "Look we just want you to be safe. But because you have a leak we can't fix your furnace." I said, " you made the leak.". He said, "Home serve can give you a price on a new furnace and we can arrange financing for you."

I said, " So your plan all all long was to come here, and damage my furnace so you could extort money from me for a new furnace. And then TAKE MY HOUSE?"

He picked up his tools and walked out, without saying a word. So home serve came into my home. They damaged my furnace. Then said that my furnace, which they had damaged, could not be worked on.

And they are ALL Christians doing this. They lied. They broke my furnace. They attempted to EXTORT money from me in a scheme to try and take my home from me.

I will say that what I have written here are my own experiences, with home serve and are not meant in any way to be looked at as empirical statements about home serve or any person or persons associated with home serve.

But I am going to refer this matter to the BBB, the state AG office for Ohio, and the Justice Department, citing that I believe that home serve is operating with the intent of extorting money from home owners, while at the same time attempting to position home owners where they must give up their home to home serve because of extortion and unfair business practices.

While I cannot certify, at this time, that what I am experiencing is empirically true. I must say that I would advise that anyone doing business with home serve, 1. tape all of your calls with the company. 2. Have an audio recorder going at all times while they are on your property. 3. Photograph everything they do. No matter how slight. When you find anything that is either illegal or inappropriate, contact the BBB, and the state AG for your state. And conctact the Justice Department. document your appointment and service call fully.

Home Serve claims to be Christian. So how do they justify lying and cheating and stealing homes to be something that Jesus would do or support? Do not openly trust home serve. I trusted them, and they broke my furnace and then claimed because it was broken that they were not going fix it. When they broke it.

Horrible Company!!!
July 29, 2022

This is my first time with Homeserve for Central Air Cool Plus plan., supposedly the best plan!! They claim 24/7 available for service.

My Ac unit shut off completely yesterday, Thursday. I called right away and was told by rep the only time a tech could come to my house was TUESDAY, 5 DAYS LATER!!!

I saw this is unacceptable as we are seniors and it’s 90 degrees out. All he could say is "I’m sorry Ma’am but all techs are busy and not available till Tuesday."

I am dropping them for any Ac coverage and cancelling our Heating services.

I’d rather call a service HVAC company in my area, which is what I’m doing now!! They know how to take your money but are completely unreliable!!

LindaCockerill September 14, 2022

Do not be taken in by this company. I have had Home Service service for years on everything. The one time that I have to call them with an emergency, my water heater leaked and flooded by house on a Saturday and they didn't call me until the following Wednesday.

They send someone to install a water heater that was supposed to be covered and the company tried to pad another 1200.00 onto what Home Serve was paying them.

Do not use this company, (Plumb Pro) from Goose Creek. These guys are out to rip you off. Home Serve is a gimmick to get your money. They have several local contract companies in this area working for them and this company is not to be trusted.

They will not get anymore of my money. I bought this service because I am a 77 year old widow on Social Security and thought they were reputable because they are affiliated with Dominion. Boy was I wrong. Do not give them your money!!!!!!! The whole world is about $$$$. What happened to honest businesses????

LindaCockerill September 14, 2022

They don't work on weekends either... Their emergency service starts on Monday

LindaCockerill September 14, 2022

I'm taking them to small claims court to get a refund on what I have paid them

My Experience with HomeServe
June 17, 2022

SCAM ALERT!!!! I've had this service with home serve for number of years and just until recently June 15th 2022 I had an air conditioner failure so I call home serve and paid the $50 for the service charge.

After paying the service charge fee of $50. I was instructed that I will be contacted by contractor or by home serve on the next day for work to be done on AC unit. June 16th 6:00 a.m. through 6:00 p.m. no contact whatsoever from contractor or home serve.

At this point I attempted numerous phone calls to home serve to get this issue resolved. I was told that there was no one in my area that can service my AC unit. WTF at this point hot frustrated and angry.

I never received a call from anyone to to resolve this problem. So be aware of this company Home Serve USA that have you paid premium every month of $16.95 and a service charge $50 and never show up or contact you.

After attempting to contact the office of the president at Home Serve I was denied. It's a SCAM!

Be cautious of the service provider
June 8, 2022

The homeserve plumber that visited my home my home on 7 June 2022 left about an inch to an inch and a 1/2 of sewage in my guest room shower. And after he left the problem still was not resolved and I had to call the plumber agency for a different plumber to correct the problem that the original plumber did not resolve.

I do not know if there's a place to post a picture of this filthy shower on this review but I'm willing to share it with anybody.

May 11, 2022

If I could give them a zero, I would. I called on 2/2/22 because I had a sewage backup in my basement. I was told they had 12/24 hours to get back with me. this was not acceptable because we couldn't use the water nor flush the toilets.

After insisting that this was an emergency, the call taker changed it to critical. A plumber contacted me but offered an appointment on the 7th and said this was their first available appointment. This was not acceptable. I call HomeServe back. They behaved as though this was their only plumber, and they made no attempt to locate anyone else.

I asked to file a complaint. The call taker supposedly started the process and told me someone would get back with me. No one every did. I had to pay out of pocket to get the sewage problem repaired.

Someone from the "President's" office contacted me after I filed a review with the Better Business Bureau. This person went back and forth with me, even seeming to question whether snaking out a sewage drain was covered under my contract but eventually agreed to reimburse me.

Then she stopped communicating with me, will not return my phone calls, nor respond to my emails. And, I was not reimbursed for my out of pocket expense. This company is the worst. They are taking your money for coverage and failing to provide service. They should not be allowed to continue to operate in this manner.

What's the use of having a paid contract that is to provide emergency water/sewage coverage, if the company does not honer the contract. And HomeServe has done this apparently without any repercussions.