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As your home gets older, so does the exterior water service line that brings fresh water to your house. Leaks and breaks are usually caused by aging of the pipe, corrosion, extreme weather, settling or shifting of the ground. If this line fails, repair or replacement can be expensive and most basic homeowners insurance doesn’t cover repairs to the line on your property.
With a HomeServe repair plan, you can get protection from time-consuming and expensive repairs. Coverage includes the emergency breakdown costs of locating, excavating and repairing leaks as well as replacing pipe segments up to the annual benefit amount.
If your water service line fails, it can cause:
Repairs could cost thousands of dollars and most basic homeowners insurance do not cover repairs to the line on your property.‡ There’s no way to prevent a water service line emergency, but you can be prepared with a repair plan that protects your exterior water service line.
‡ HomeServe national average repair costs as of April 2013. No charge for covered repairs up to your annual benefit amount.
In some towns, the service line beyond the property boundary to the main connection may be an additional responsibility of the homeowner but is not included in this coverage.
Does my homeowners insurance or local utility cover repairs to the systems around my home?
Most basic homeowners insurance policies and local utility companies or municipalities do not cover repair or replacement of the major systems in and around your home. Click here to see if your insurance company provides coverage for exterior water or sewer/septic line breaks.
If you find you have similar coverage, you can contact HomeServe to receive a refund of your service agreement fee, less any claims paid.
Who is eligible for coverage?
Typically a single-family residential homeowner may be eligible. However, some of our coverage plans are also available for mobile homes and multi-unit dwellings. Recreational vehicles and properties used for commercial purposes are not eligible for coverage. For full eligibility information, enter your ZIP Code to see the Terms and Conditions.
How do I purchase a repair plan?
Please enter your ZIP Code to find available plans in your area or call HomeServe directly at 1-855-336-2465 to speak with a representative.
After I purchase a plan, when does my coverage begin?
Your plan will start the day your order is processed, and for most of our plans, there is an initial 30-day waiting period before you can make a claim, giving you 11 months of coverage during the first year. This prevents service calls on pre-existing conditions and helps keep the coverage affordable.
I need a repair. What should I do?
Step 1: If you should suffer a home repair emergency that is covered by your plan, call HomeServe toll-free at 1-855-336-2465 and one of our customer service specialists will get you started on your claim.
Step 2: A local, licensed and insured technician will be dispatched to your home to make the covered repair or replacement.
Step 3: Once covered repairs are completed, just sign the repair form and we pay the technician directly for you.
It’s that simple!
Who will come to my home to make the repair?
Homeowners who call with a covered emergency can rest assured that a local, licensed and insured technician will respond to the call and carry out the repair in a professional manner. Each service technician is hand selected and rigorously screened before acceptance. Screening includes verification of certification and an in-the-field evaluation.
Typically, there is a 30-day waiting period, giving you 11 months of coverage in year one. Coverage is for the repair of an emergency breakdown of the exterior water service line on your property, from the foundation to the property line, caused by normal wear and tear, not due to accident or negligence. Eligible properties include single-family residential homes that remain occupied without a 30-consecutive-day absence. Coverage may be cancelled within 30 days of the effective date for a full refund; all other cancellations will result in a pro-rata refund less any claims paid.