Home renovation can be fun and fulfilling, giving you the opportunity to flex your creative muscles and appreciate your home in new and exciting ways. (Like picking out the best paint colors perfectly suited for fall or finding items that can be turned into an impromptu shelf.)
But home repair, on the other hand, usually doesn’t invoke feelings of fun. Even if you're a bona fide DIYer and pride yourself on handling minor house problems by yourself, plenty of household issues can just be too complicated to tackle on your own. (I personally am inept once anything gets more complicated than plunging a toilet or dealing with a faulty Wi-Fi router.)
Fortunately for me, I have a comprehensive home repair plan from HomeServe.
Here are five of the big-time repairs that could be covered by your HomeServe plan:
1. Root-crushed pipes
Tree roots taking over can sound like something out of the Netflix series Stranger Things, but in the real life, it's a serious problem for your home's plumbing or municipal water lines. When tree roots in your yard are close to the sewer or septic lines that carry out the wastewater from your interior pipes, they can put pressure on the exterior lines. Next thing you know you're dealing with clogs and stoppages. If it really gets out of hand, root invasiveness can crush exterior pipes, creating the potential for serious issues.
Several home emergency solutions from HomeServe would help you with the costs of this repair. First, there are standalone exterior sewer/septic or water line coverage plans. For something a bit more wide-ranging you could try the Home Plumbing and Drainage Coverage or Complete Plumbing Plan options.
Learn More About Home Repair Plans Near You
2. Surge-damaged electrical wiring
As noted by State Farm, electrical surges happen when the voltage in your house blows past its typical max (169 volts for most U.S. homes). Sometimes they happen entirely at random, for just a moment or two, and don't recur, which isn't a big deal. All you face in that situation is brief power loss. But frequent and/or prolonged surges can seriously damage your house's wiring and circuits (and also threaten your major devices and appliances).
Having a Electrical Surge Coverage plan from HomeServe might be just what you need, with $1,000 in annual coverage for repair and replacement costs of surge-damaged devices and appliances. Another option is to choose a wider-ranging exterior or interior electrical line coverage plan, or go even more comprehensive with either the Interior Protection or Premium Home Protection Plan.
3. Central air woes
A full-fledged central air HVAC unit is a big investment. Upfront installation costs range from about $3,000 to $7,000, according to NerdWallet. Naturally, you want to protect that investment, but sometimes factors beyond your control get in the way and you need to bring in the professionals.
The Cooling Systems Coverage plan from HomeServe specifically helps you manage the costs of covered repairs to your central air. Various combo plans that protect your entire HVAC infrastructure are also available.
4. Gas line failure
Angie's List points out that when one of your natural gas lines stops working properly, it can't be "repaired" per se - it must be replaced for safety. Sometimes it's an inexpensive fix (just over $100); in other instances it'll range from $1,000 to $1,300.
Some of HomeServe's combo plans can help with gas line repair and replacement costs: checkout the options here.
5. Water heater freeze-ups
When the hot water heater in my house went on the fritz one winter, I was pretty miserable residing at 63 degrees. So, I never want to experience that again. I opted for the comprehensive Premium Home Protection Plan as my all-in-one home repair coverage, but HomeServe has plenty of other choices for water heater coverage - individual repair or repair-and-replacement options, plus less extensive combo plans that protect the heater alongside your electrical, plumbing or HVAC systems.
The best advice is to be prepared with a plan in advance of home repairs. Plans from Homeserve can help with the costs of covered repairs and provide you peace of mind.