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Premium Home Protection Plan

What's covered

  • Exterior Sewer/Septic Service Line
  • Gas Line
  • Interior Plumbing and Drainage
  • Exterior Electrical Line
  • Interior Electrical Line
  • Water Heater Repair and Replacement
  • Heating System
  • Cooling System

Repair or replacement of interior and exterior plumbing systems can cost thousands of dollars. Replacement of a water service line can cost thousands. Repairs to your gas line can cost up to $1,000.*

If your water service line, sewer/septic line or interior plumbing fails, it can cause:water leaks or sewage in your yard, clogged/backed up drains inside your home. How a heating and cooling system failure can affect your home: Freon or coolant leak can prevent cool air from flowing into your home and blower motor failure can mean the system won’t supply enough heat. Problems with your interior or exterior electrical wiring system can cause:shorts in wiring causing fixtures to stop working or lights to flicker and partial or full home “blackout”.

It can be a major inconvenience when your water heater, heating or central A/C system fails and finding a qualified professional to address the problem quickly can be time consuming and costly. Unexpected problems with the 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. Buried pipes break— get reliable comfort with an affordable repair plan from HomeServe and get protection from high repair costs with access to our 24/7 hotline where you can schedule repairs. Note: If you suspect you have a gas leak, please leave the area and call your gas company or 911 immediately.

*National average repair costs as of March 2018. No charge for covered repairs up to your annual benefit amount. There is a 90-day wait for water heater replacement.

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Premium Home Protection Plan

30 Day Money Back Guarantee

Why choose this plan:

  • 24-hour repair service
  • Local, licensed and insured technicians
  • One-year guarantee on all covered repairs


When it comes to home system repairs, the best plan is to be prepared. You have come to rely on your water and sewer/septic lines, heating/cooling systems and gas lines to all be performing and highly functional. When any of these leak, breakdown, or fail, it creates worry and stress. With a Premium Home Protection Plan, you can have peace of mind. This plan covers your exterior water service line, exterior sewer/septic line, heating system, cooling system and gas line - which can help you deal with the expense of covered repairs.

$10,000 is the combined max annual benefit for Cooling System Coverage, Heating System Coverage, Exterior Sewer/Septic Line Coverage, Exterior Water Service Line Coverage, Interior Plumbing and Drainage Coverage, Exterior Electric Line Coverage, Interior Electric Line Coverage, Gas Line Coverage, and Water Heater Repair.

Frequently asked questions

What is the cancellation policy?
You may cancel within 30 days of your start date for a full refund (or less any claims paid if cancelled at any time after renewal/reactivation, where applicable). Cancellations after the first 30 days will be effective at the end of the then-current billing month, and you will be entitled to a pro-rata refund less any claims paid (where applicable).
What quality of repair can I expect?
Local, licensed and insured plumbers perform all covered repairs, which are guaranteed against defects in materials and workmanship for one year.
Does my homeowners insurance cover this?
Many homeowners believe their utility companies or homeowners insurance is responsible for emergency repairs to the water, sewer, plumbing, electrical, heating and cooling systems, but the reality is that in many cases you, the homeowner, are responsible. 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.
Who is HomeServe?
HomeServe is an independent company providing emergency home repair services and protection solutions to homeowners across the U.S. Accredited by the Better Business Bureau, HomeServe protects over 3 million homeowners in the US and Canada and provides emergency repair plans through partners, utility companies, municipalities and directly to consumers. In the 15 years we've been serving customers in the US and Canada, our vision, mission and values have remained intact. We remain committed to our customers, and strive to provide complete satisfaction.
What We Do?
Plans from HomeServe help protect homeowners from the high cost and hassle of covered emergency home repairs with repair service plans that cover parts and labor to repair critical electrical, gas, heating, cooling, and water systems. These affordable plans provide repair service in an emergency through our 24/7 repair hotline by local, licensed, and insured technicians and come with a one-year guarantee* on all covered repairs. *Surge plans have 90 day guarantee.

*Surge Plans include a 90 day repair guarantee.