Why Buy a Repair Plan

You never know when a plumbing, electrical, heating or cooling emergency might happen. HomeServe USA offers affordable Emergency Repair Service Plans that can help protect you from expensive repairs that are typically not covered by your homeowners insurance, local utility company, or city/town.

Our coverage is like roadside assistance for your home. If you should ever suffer a home repair emergency, just call our 24-hour emergency repair hotline and our customer service representatives will make sure your call is their priority.
  • Plumbing

    Exterior Water Service Line Failure

    Replacing a water service line costs an average of $2,587.

    Problem:

    If your water service line fails, it can cause:

    • a visible water leak in your yard
    • water leaks in your basement
    • low water pressure
    Solution:

    Exterior Water Service Line Repair Plan

    Most basic homeowners insurance - or local utilities or municipalities  - do not cover repairing or replacing an exterior water service line that is damaged due to normal wear and tear, as opposed to accident or negligence. Buried pipes break; protect yours with an affordable plan from HomeServe USA, and get protection from high repair costs with access to our 24/7 hotline, where you can schedule a repair for your exterior water service line. If you're unsure about your responsibility for the exterior water service line on your property, contact your municipality or local water company.

    National average repair costs as of January 2016. No charge for covered repairs up to your benefit amount.

    Let us know the ZIP Code of the property you would like to cover to see all available products

    Interior Plumbing & Drainage Problems

    It can cost hundreds of dollars to clear clogged lines, snake drains and fix leaking pipes.

    Problem:

    Interior plumbing problems can cause:

    • burst pipes behind your walls or ceilings
    • blocked or slow shower or sink drains
    • leaking supply pipe to your water heater
    Solution:

    Interior Plumbing & Drainage Repair Plan

    Your home's complex network of pipes, lines and drains can create repair problems that are expensive to fix, and are not typically covered by most basic homeowners insurance. With an affordable repair plan from HomeServe USA, you can get protection from high repair costs, and access to our 24/7 hotline where you can schedule a repair for your home's interior plumbing and drainage system.

    National average repair costs as of January 2016. No charge for covered repairs up to the benefit amount.
    Let us know the ZIP Code of the property you would like to cover to see all available products

    Exterior Sewer Septic Line

    Replacement of a sewer/septic line can cost thousands of dollars.

    Problem:

    If your sewer/septic line fails, it can cause:

    • clogged/backed up drains inside your home
    • sewage flooding in your basement
    • sewage backed up in your yard
    Solution:

    Exterior Sewer/Septic Line Repair Plan

    As a sewer/septic line ages, it becomes even more likely to leak, clog or break. Be ready for the unexpected with a repair plan from HomeServe USA and keep what’s underground covered with access to our 24/7 hotline, where you can schedule a repair for your exterior sewer/septic line.

    National average repair costs as of January 2016. No charge for covered repairs up to the benefit amount.
    Let us know the ZIP Code of the property you would like to cover to see all available products
  • Heating & Cooling

    Water Heater Breakdown

    It costs hundreds of dollars to repair most components of a water heater.

    Problem:

    Problems with your hot water heater can cause:

    • hot water to run out too quickly
    • no hot water for showering or washing
    • noise and odor due to sediment build-up
    Solution:

    Water Heater Repair Plan

    It can be a major inconvenience when your water heater fails, and finding a qualified professional to address the problem quickly can be time consuming and costly. Stay in hot water with an affordable repair plan from HomeServe USA, and get protection from high repair costs and access to our 24/7 hotline where you can schedule a repair for your water heater.

    National average repair costs as of January 2016. No charge for covered repairs up to the benefit amount.
    Let us know the ZIP Code of the property you would like to cover to see all available products

    Cooling System Failure

    Most central A/C components cost hundreds of dollars to replace.

    Problem:

    How a cooling system failure can affect your home:

    • Freon or coolant leaks can prevent cool air from flowing into your home
    • Circuit board failure can cause the breaker to keep tripping
    • A bad condenser can cause the fan to blow but not cool
    Solution:

    Cooling System Repair Plan

    It can be a major inconvenience when your central A/C system fails, and finding a qualified professional to address the problem quickly can be time consuming and costly. Don't sweat high repair costs, with an affordable repair plan from HomeServe USA and get access to our 24/7 hotline where you can schedule a repair for your cooling system.

    National average repair costs as of January 2016. No charge for covered repairs up to the annual benefit amount.
    Let us know the ZIP Code of the property you would like to cover to see all available products

    Heating System Failure

    It costs $300-$700 to repair each of the major components in a heating system.

    Problem:

    How a heating system failure can affect your home:

    • broken circuit board could mean no heat
    • blower motor failure can mean the system won’t supply enough heat
    • lack of heat could cause pipes to freeze and induce water damage
    Solution:

    Heating System Repair Plan

    It can be a major inconvenience when your heating system fails, and finding a qualified professional to address the problem quickly can be time consuming and costly. With an affordable repair plan from HomeServe USA, you'll get coverage you can warm up to with protection from high repair costs and access to our 24/7 hotline where you can schedule a repair for your heating system.

    HomeServe national average repair costs as of April 2013. No charge for covered repairs up to the benefit amount.
    Let us know the ZIP Code of the property you would like to cover to see all available products

    Interior Gas Line Breakdown

    Repairs to an interior gas line can cost hundred of dollars.

    Problem:

    Interior gas line problems can cause:

    • rotten egg odors inside or outside your home
    • inefficent or non-working heating and hot water system
    • issues with gas appliances
    Solution:

    Interior Gas Line Repair Plan

    Unexpected problems with the interior gas line can happen at any time due to aging of the pipe or other problems, and it’s your responsibility to pay for any repairs if something goes wrong with the gas line throughout your home. Fire up your protection against unexpected repair costs with an affordable plan from HomeServe USA. Note: If you suspect you have a gas leak, please leave the area and call your gas company or 911 immediately.

    HomeServe national average repair costs as of April 2013. No charge for covered repairs up to the benefit amount.
    Let us know the ZIP Code of the property you would like to cover to see all available products
  • Electrical

    Interior Electrical Wiring Failure

    A faulty 200amp electrical panel can cost up to $1200 to replace.

    Problem:

    Problems with your interior electrical wiring can cause:

    • faulty outlets and wall switches
    • shorts in wiring causing fixtures to stop working or lights to flicker
    • partial or full home 'blackout'
    Solution:

    Interior Electrical Wiring Repair Plan

    If an electrical breakdown happens, you need qualified help quickly to rewire faulty sections and repair switches, outlets, breaker/fuse boxes and control panels. Finding help can be difficult and time-consuming and repairs can be expensive. Lighten your load from expensive repairs with an affordable repair plan from HomeServe USA and get access to our 24/7 hotline where you can schedule a repair for your home's interior electrical wiring system.

    National average repair costs as of January 2016. No charge for covered repairs up to the benefit amount.
    Let us know the ZIP Code of the property you would like to cover to see all available products

    Exterior Electrical Wiring Failure

    It costs $1,100 to replace the weatherhead, service cable from weatherhead to meter box, and the service entrance conductor.

    Problem:

    Problems with your exterior electrical wiring system can cause:

    • a power outage
    • exposed electrical wires
    • flickering lights
    Solution:

    Exterior Electrical Wiring Repair Plan

    If your exterior electrical wiring breaks down, you need a qualified electrician to reconnect overhead lines, replace underground service, repair a loose meter or replace faulty wiring. In addition to the hazards and inconvenience these failures can cause, the repairs can be expensive. Stay grounded with reliable coverage from HomeServe USA and get access to our 24/7 hotline where you can schedule a repair for your home's exterior electrical wiring system.

    National average repair costs as of January 2016. No charge for covered repairs up to the benefit amount.
    Let us know the ZIP Code of the property you would like to cover to see all available products

How Our Repair Plans Work

 

We’re here for you, 24 hours a day, seven days a week, including holidays to make sure that if you have a home emergency, you can get the help you need, when you need it. Plus, you’re protected for covered repairs up to your annual benefit amount.

Step 1
In the event of a home emergency, just call the toll-free emergency repair hotline. 

*Important: If you suspect you have a broken, cracked or leaking gas pipe, you should call your gas company immediately.

Step 2
A local, licensed and insured technician will be dispatched to your home to make your repair or replacement.

Step 3
Once repairs are completed, just sign the repair form and we pay the technician directly for you.

It’s that simple!

We provide coverage plans to homeowners in the United States and Alberta, Canada through utility partnerships and directly to consumers.  Enter your ZIP Code to find available plans in your area.

Frequently Asked Questions

 

HomeServe USA provides answers to some of your questions. Have a different question? Contact our Customer Call Center at 1-855-336-2465.

Who is HomeServe USA?

HomeServe USA Corp (HomeServe) is an administrator of home emergency repair plans. For more than a decade, the plans have protected homeowners against the expense and inconvenience of water, sewer, electrical, heating, cooling and other covered repairs by offering affordable coverage and quality service. HomeServe, a Better Business Bureau Accredited Business, serves more than 2 million homeowners and dedicates itself to being a customer-focused company offering repair plans through leading utility partners and directly to consumers.

  • HomeServe USA has been serving customers in North America since 2003
  • We offer services with more than 40 utility and manufacturer partner brands in the U.S. and Alberta, Canada
  • We administer Home Repair Plans for more than 2.3 million customers who hold more than 3.5 million plans
  • HomeServe USA is North American arm of HomeServe PLC, a London Stock Exchange listed company
What does HomeServe USA offer?
HomeServe USA offers repair plans which 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 or replacement of the major systems in and around your home due to normal wear and tear.

The 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, not accident or negligence. 

In addition to repair plans, HomeServe USA also offers other repair solutions, including on-demand repair services.

How can I opt-out of communications from HomeServe?

If you would prefer not to receive mail, phone, solicitations from HomeServe, please call 1-855-336-2465 or click here to send an email. Please allow 30 days for your request to be processed. During that time, you may continue to receive solicitations while our records are being updated.
I’m a municipality or utility company and would like more information on offering repair plans to our customers. Who do I contact?
To learn more, schedule a meeting with one of our regional representatives. We can walk you through what we offer and help you customize a repair plan program for your customers.

Call: Business Development: 1-888-777-1175

Email: BusinessDevelopment@homeserveusa.com

Mail: 
HomeServe USA
ATTN: Business Development
601 Merritt 7
Norwalk, CT 06851
I’m a technician. How do I sign up to work with HomeServe?
For more information, visit our Become a HomeServe Technician page and complete the Technician Application.
Where can I see available jobs at HomeServe and apply online?
We offer a variety of careers at HomeServe.  Visit our Career Opportunities page to see current openings and click the links to apply online.

Real Homeowners Real Stories

 

Calvetta Williams, a 41-year old single mother of three, found out that she had a leak in her water service line just three months after moving into her home in Des Moines, Iowa. The leak was discovered by the local water company, Des Moines Water Works, who sent a crew to the neighborhood to check the water connections before the city began curb work. The water line had a break between the street and the meter at Williams' house, and was pouring water into the ground.

Ms. Williams, who owns an in-home child care business for several families in the community, was unprepared to pay thousands of dollars to fix the leak. In April 2013, she was presented with a $6,700 bill for the repairs, followed by a threat from the city that the leak needed to be fixed by May 6 or the water to her home and business would be shut off.

Water service line repairs in the Des Moines area cost between $3,000-$8,000, according to Des Moines Water Works. HomeServe provides home emergency repair contracts that cost as little as $4* per month to cover water line breaks. The company learned of Ms. Williams's situation via a story in the local newspaper. Wanting to give back to the woman who has done so much for her local community, HomeServe repaired her water line free of charge, keeping her home and business running.

Customer Testimonials

 

What HomeServe USA customers are saying....

 

"Everything was handled promptly and professionally. I definitely would recommend the service to my family and friends. I honestly do not think my problem could have been handled any better."
Mara L., Boise, ID
Exterior Water Service Line Customer

"Excellent job. It's good to have something like these repair plans. Usually when things surprise you, you do not like using your pocket money."
Izudin B., St. Petersburg, FL
Water Heater Customer
"I can count on their prompt and efficient service."
Michael, Smithtown, NY
Exterior Electrical Wiring Customer

"I was satisfied with the service I received from HomeServe. The contractor was very good and was able to fix my problem fast."
Adelaide B., Wareham, MA
Exterior Water Service Line Customer

*Data based on customer polls conducted between July 1, 2013 and December 31, 2013,48 hours after service was performed.

     

95%

of customers are satisfied with HomeServe's responsiveness to their emergency *

96%

of customers would recommend HomeServe to friends and family *

98%

of customers are satisfied with the entire HomeServe emergency repair process *

Exterior Water Service Line Information

 

Your exterior water service line is the underground pipe that carries water from the main connection, located near the street, to the foundation of your home. Over time, environmental conditions and aging can break down sections of pipe, causing deterioration and cracks. As the homeowner, it’s likely your responsibility for repairing any damage to the water service line that’s on your property.

What is an exterior water service line?

Water mains are the pipes delivering the water supply throughout most towns. This network of pipes is usually installed below the town’s streets. A water service line is what connects your home with the water main.  

Most homeowners have a water service line that stems from the water main beneath the street. From there, it extends below the front yard and runs into your home at the point of the foundation. Once your water service line reaches the inside of your house, it’s referred to as a “water distribution pipe.”

Usually your water service line is ¾” to 2″ in diameter and rests at a depth determined by the building code in your community. Gaining access to the buried water service line makes repairs and replacement of the pipe difficult. The job often involves heavy machinery such as a backhoe and industrial grade pipe cutters and the cost of the machinery plus the materials for the repairs can be over $2,000. 1

  

1 HomeServe national repair average 2013 and U.S. Census Bureau data 2010.

Common Symptoms of a Water Service Line Problem

It is easy to ignore a problem that is literally buried underground. Even when aged water and sewer mains in cities and towns are replaced, the lines that connect a private home to the public mains will continue to age, representing an increased risk to the homeowner.

Some symptoms are more visible than others. These are some indicators that your home might have a potential water service line failure

  •  Visible water leak
  • High water bill
  • Damp areas in yard, lush section of grass
  • Damp sidewalk or driveway
  • Sunken or eroded areas of ground
  • Water leaking into basement or crawlspace
  • Low water pressureDirt/sand coming out of fixtures

Causes of Damage to a Water Service Line

According to the American Society of Civil Engineers, water mains are aging rapidly and pose one of the most serious challenges to our nation’s infrastructure. Water infrastructure continues to deteriorate and it will take tremendous time and investment to revitalize the amount of infrastructure that requires fixing today. With this in mind, homeowners should understand the consequences of failing water and sewer infrastructure has on them and their community and what they can do to stay safe, secure, and avoid financial surprises in the meantime.

Common causes of an exterior water service line failure:

  • Aging of pipes
  • Corrosion
  • Expansion and contraction due to temperature changes
  • Freezing due to extreme cold
  • Tree roots
  • Ground settling
  • Rocky soil pushing or settling on a pipe
  • Pressure

Solutions for Repairing a Water Service Line

The number of burst pipes in the front yard of American homeowners will likely climb higher as existing pipes age - and often it is those who are least able to afford it who will struggle to pay the price.  Service repair plan providers give homeowners a way to protect themselves.

Homeowners and their families need to know that water infrastructure is a crucial part of their daily lives and a significant threat to their individual safety and finances.  The increasing risks of burst water and waste pipes on a homeowner’s property are very real and can be managed while our country focuses our infrastructure for the future.

With a repair plan from HomeServe, you can get protection from the high cost of repairs. If your water service line leaks or breaks, we can repair or replace the line on your property using the following methods:

  • Spot repair – replace a fitting or coupling due to a single isolated leak.
  • Section repair – replace a larger section of the water service line.
  • Re-route a section or all of the water service line around an obstacle.
  • Bore a section or all of the water service line to minimize disturbance to surface obstacles (concrete, landscaping, structures).Replace the entire water service line by digging an open trench.

Homeowner Responsibility

One of the most common misconceptions regarding water infrastructure is that the utility provider or the government will take care of the problem if there is a leak on private property. Unfortunately, while local utilities and municipalities foot the bill for repairs to much of our declining infrastructure on city/state property, the homeowner is primarily responsible for the service line that brings fresh water to their home as well as the sewer/septic line on their property.

The majority of basic homeowners insurance policies also do not cover repair or replacement of the water service lines on your property. And, most home inspectors are not required to check the condition of your exterior water systems when you purchase your home.

Does Your Homeowners Insurance Cover Exterior Water or Sewer Line Breaks?

Buying or building a home is one of the biggest investments a family will make and homeowners insure their homes to protect from unanticipated home emergencies.  However, many homeowners don’t know where their insurance plan ends and their liabilities begin. They are often surprised to find out they are typically responsible for repairs to the pipes and wires in and around their home.

See the chart below to find out if your basic insurance policy covers water or sewer/septic line breaks.

Water Service Line Quick Facts

  •  An exterior water service line is the pipe that originates from the water main beneath the street and travels into your foundation, providing the water supply for your home.
  • Typically, older water service lines are made of cast iron or galvanized steel, while most water service lines installed after 1980 are PVC or copper.
  • While only two inches in diameter, water service lines deliver water to your home at high pressure, often 300 psi or more.
  • The depth at which your water service line is buried on your property is commonly determined by local building codes or ordinances. Usually your water line is set below the average frost line to ensure it doesn’t freeze during the winter.
  • Settling of the ground around the water service line, calcification, mineralization due to hard water, rust, seasonal changes, kinking, and pitting are just a few examples of the types of damage that cause water service lines to fail.
  • It is estimated that 1,100,000 homeowners will suffer a water service line emergency in 2014.1
  • Most basic homeowners insurance do not cover repairs to the water or sewer/septic service lines.2
  • 51% believe that damages from a break in the water line on their property supplying water to their home are covered by their basic homeowners policy, but they are not covered.2
  • 37% believe that damages due to a break in the sewer line on their property that connects to their municipal sewer system are covered by their basic homeowners policy, but they are not covered.2
  • Replacing a water service line costs an average of $2,200.3
  • 64% of Americans do not have $1,000 in savings to pay for emergency repairs.4
  • 61% of homeowners don’t know they are responsible for the line that brings fresh water to their home.4
  • 55% of utility customers think it’s appropriate for their utility to offer home emergency plans.5
  • 39% of homeowners say it’s hard to find a reliable repair service.5 

1 HomeServe repair average 2013 and U.S. Census Bureau data 2011. 
2 “What Isn’t Covered by Your Homeowners Insurance?” NAIC, June 4, 2007 
3 Based on HomeServe national average repair rates as of April 2013.  
4 National Foundation for Credit Counseling 2011.  

5 Ipsos Public Affairs, 2012.

America's Infrastructure

 

An abstract national issue or a real threat to homeowners?

America’s infrastructure – roads, bridges, and water and wastewater systems – are an integral part of what made our nation great. As recently as 2006, America’s infrastructure ranked in the top ten for overall quality. Today, we are ranked 25th, below many of our biggest trading partners and even some developing nations.

How did our infrastructure – the backbone of a modern economy and lifestyle – become so fragile? Infrastructure is complicated and expensive, but the truth is that America has not been vigilant about the shared burden of infrastructure upkeep. Our bridges and water mains are getting older, and instead of investing to keep them updated, we collectively hope the structures serving us will keep working.

The decay of America’s critical infrastructure isn’t new, but there is a crucial untold story that American families need to hear today. Infrastructure can be a big, abstract concept, despite the fact that we use it every day, but failing water and wastewater systems, including the piping that connects these municipal systems to the home, can quickly become a very real threat to individual homeowners.

HomeServe aims to bring a focus to the impact that deteriorating water and wastewater systems are having today on municipalities around the country, and also the hidden danger facing individual American families with the infrastructure serving their homes. The bottom line is that American homeowners should take steps today to prepare themselves and protect their families, homes, and finances from the costs and damages of water infrastructure-related home emergencies.

Invalid Zip Code

Please input a valid 5-digit ZIP Code

close