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Premium Home Protection Plan

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Premium Home Protection Plan

30 Day Money Back Guarantee

Why choose this plan:

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

What's covered

  • Exterior Water Service Line
  • 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

Repairs to your home's plumbing systems can cost thousands of dollars. Typical cost to replace 40 gallon Water Heater is $780-$2,400. 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
  • 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
  • lights to flicker and partial or full home “blackout"

Many homeowners do not know that basic homeowners’ insurance only covers things like property damage to your home, but not damage due to normal wear and tear to your gas, interior electric or water service lines, heating, cooling or plumbing systems, and water heater. If any of these systems fail it can be a hassle and may cost you thousands of dollars if replacement is needed. 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 benefit amount. There is a 90-day wait for water heater replacement.


You rely on your water and sewer/septic lines, heating/cooling systems and gas lines to all be performing and highly functional. It is nearly impossible to predict failures and issues. When any of these leak, break down or fail, repair costs can be high.

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. Eligible homeowners can receive covered repairs up to $2,500 of annual repair coverage per system, which is up to $10,000 for the total maximum annual benefit. Enjoy your home without worrying about how to deal with stressful repairs with this widespread home repair plan.

Frequently asked questions

What is the cancellation policy?
You may cancel within 30 days of your start date for a full refund; cancellations after the first 30 days will result in a pro rata refund less any claims paid (where applicable). Most basic homeowners insurance policies do not cover repair or replacement due to normal wear and tear of these components. If you find you have similar protection, you can cancel and receive a refund of your service agreement fee, less any claims paid (where applicable).
What quality of repair can I expect?
Local, licensed and insured technicians perform 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 provider of home repair service solutions. For over a decade, we have helped homeowners protect against the expense and inconvenience of water, sewer, electrical, heating, and cooling home emergencies by managing affordable coverage, and offering a quality service. HomeServe, with an A+ rating with the Better Business Bureau, serves more than 4 million homeowners in the U.S. and Canada and dedicates itself to being a customer-focused company providing best-in-class emergency repair services through leading utility partners, municipalities and directly to consumers.
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.
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