Take control of your home repairs
As a homeowner, you are responsible for some components of the exterior electrical system on your property, and you must arrange and pay for any necessary repairs. This illustration shows the location of some of these components. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.
Read MoreExterior Electrical
Covered Systems
- Exterior Electrical Line
Annual Benefits
- Unlimited benefit amount
- Multiple service calls / $5,000 per call
- Service Call Fee: $0
- 30-day review period
- One-year guarantee on all covered repairs
Covered Repairs
- Meter base
- Insulator
- Riser
- Permanent wiring overhead
- Permanent underground wiring
- Functional frayed wiring
Eligibility
Eligible
To be eligible, you must own the residential single structure
If your exterior wiring is underground, you have to own the land your structure is on
If your exterior wiring is overhead, you do not have to own the land your structure is on
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Not Eligible
If your home is a recreational vehicle, intended to be moved, or used for commercial purposes
You know of any current problems with your system at enrollment or your system was not installed per code
Your entire system is shared with a 3rd party or covered by an association
-
Exclusions
Damage from disconnection or interruption to the main electrical supply; transformers; repair of wiring connected to or any part of the following: doorbells, smoke detectors, garage doors, and thermostats and similar type systems; generators; non-utility supplied power and/or lines; appliances; meter pedestals; pool heaters; and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances. The meter that measures the amount of electricity used is not covered by this plan, but it is covered by Lumbee River EMC. If costs on covered repairs exceed the benefit limit, you pay the difference. You will not be reimbursed for repairs performed by anyone not authorized by HomeServe. Additional exclusions apply.
Covered Systems:
- Exterior Electrical Line
Annual Benefit Amount:
- Unlimited benefit amount
Annual Service Calls:
- Multiple service calls / $5,000 per call
- Service Call Fee: $0
- 30-day review period
- One-year guarantee on all covered repairs
As a homeowner, you may be responsible for the interior electrical system in your home, and you may need to arrange and pay for any necessary repairs. This illustration shows repairs that are performed on this system and how much licensed and insured electricians would typically charge. ‡National average repair costs as of December 2024.
Read MoreInterior Electrical
Covered Systems
- Interior Electrical Line
Annual Benefits
- $4,000 maximum benefit amount
- Multiple service calls up to annual benefit
- Service Call Fee: $0
- 30-day review period
- One-year guarantee on all covered repairs
Covered Repairs
- Breaker panel
- Fuse box
- Switches
- Outlets
- Disconnect boxes
- Wiring
- Breakers
Eligibility
Eligible
To be eligible, you must own the residential single structure or a unit within a structure
If you own a multi-family home or multiple housing units, provide the mailing address for each service agreement
-
Not Eligible
If your home is a recreational vehicle, intended to be moved, or used for commercial purposes
You know of any current problems with your system at enrollment or your system was not installed per code
Your entire system is shared with a 3rd party or covered by an association
-
Exclusions
Appliances; service entrance conductors; knob and tube wiring, aluminum, or non-standard/non-permanent materials; damage or failure due to disconnection or interruption to the main electrical supply; repair of wiring connected to or any part of the following: doorbells, smoke detectors, garage door systems, thermostats and similar type systems; and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances. If costs on covered repairs exceed the benefit limit, you pay the difference. You will not be reimbursed for repairs performed by anyone not authorized by HomeServe. Additional exclusions apply.
Covered Systems:
- Interior Electrical Line
Annual Benefit Amount:
- $4,000 maximum benefit amount
Annual Service Calls:
- Multiple service calls up to annual benefit
- Service Call Fee: $0
- 30-day review period
- One-year guarantee on all covered repairs
As a homeowner, you may be responsible for the water service line on your property, and you may have to arrange and pay for any necessary repairs. This illustration shows repairs that are performed on this line and how much licensed and insured plumbers would typically charge. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.
Read MoreExterior Water Line
Covered Systems
- Exterior Water Service Line
Annual Benefits
- Unlimited benefit amount
- Multiple service calls / $12,000 per call
- Service Call Fee: $0
- 30-day review period
- One-year guarantee on all covered repairs
Covered Repairs
- Excavation to expose pipe
- Pipe replacement or repair
- Repair or replacement of seals and joints
- Unblocking
- Fitting external valves
- Fusing
- Locating the leak
- Welding
- Pipe cutting
- Backfilling of areas disturbed by repairs
Eligibility
Eligible
To be eligible, you must own the residential single structure and the land it’s on
-
Not Eligible
If your home is a recreational vehicle, intended to be moved, or used for commercial purposes
You know of any current problems with your line at enrollment or your line was not installed per code
Your entire line is shared with a 3rd party or covered by an association
-
Exclusions
Frozen lines, any tanks or appliances, lines that have failed a proactive inspection or test when no operational failure has occurred, branch lines, and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances. If costs on covered repairs exceed the benefit limit, you pay the difference. You will not be reimbursed for repairs performed by anyone not authorized by HomeServe. Additional exclusions apply.
Covered Systems:
- Exterior Water Service Line
Annual Benefit Amount:
- Unlimited benefit amount
Annual Service Calls:
- Multiple service calls / $12,000 per call
- Service Call Fee: $0
- 30-day review period
- One-year guarantee on all covered repairs
As a homeowner, you may be responsible for the sewer/septic line on your property, and you may have to arrange and pay for any necessary repairs. This illustration shows the repairs that are performed on this line and how much licensed and insured plumbers would typically charge. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.
Read MoreExterior Sewer/Septic Line
Covered Systems
- Exterior Sewer/Septic Line
- Drain Cleaning
Annual Benefits
- Unlimited benefit amount
- Multiple service calls / $12,000 per call
- Service Call Fee: $0
- 30-day review period
- One-year guarantee on all covered repairs
Covered Repairs
- Locating the blockage or collapse
- Unblocking
- Excavation to expose pipe
- Fitting external valves
- Pipe replacement or repair
- Fusing
- Repair or replacement of seals and joints
- Welding
- Pipe cutting
- Backfilling of areas disturbed by repairs
Eligibility
Eligible
To be eligible, you must own the residential single structure and the land it’s on
-
Not Eligible
If your home is a recreational vehicle, intended to be moved, or used for commercial purposes
You know of any current problems with your line at enrollment or your line was not installed per code
Your entire line is shared with a 3rd party or covered by an association
Your line previously had roots removed, failed a system test without resolution
-
Exclusions
Non-conforming drain lines, septic/collection tanks, leaching fields, grinder pumps, backflow prevention devices, lines that branch off and do not connect back to the primary system and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances. If costs on covered repairs exceed the benefit limit, you pay the difference. You will not be reimbursed for repairs performed by anyone not authorized by HomeServe. Additional exclusions apply.
Covered Systems:
- Exterior Sewer/Septic Line
- Drain Cleaning
Annual Benefit Amount:
- Unlimited benefit amount
Annual Service Calls:
- Multiple service calls / $12,000 per call
- Service Call Fee: $0
- 30-day review period
- One-year guarantee on all covered repairs
As a homeowner, you may be responsible for the water heater in your home, and you may have to arrange and pay for any necessary repairs. Below are some examples of covered water heater components. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.
Read MoreWater Heater Repair & Replacement
Covered Systems
- Gas/Electric Water Heater Repair
- Gas/Electric Water Heater Replacement
- Tankless Water Heater Repair
- Tankless Water Heater Replacement
Annual Benefits
- $1,500 maximum benefit amount
- Multiple service calls up to annual benefit
- Service Call Fee: $0
- 30-day review period
- 90-day wait period for water heater replacement
- One-year guarantee on all covered repairs
Covered Repairs
- Pilot light
- Burner supply tube and assembly
- Temperature control
- Drain and gas valves
- Main burner
- Water Heater replacement if necessary
Eligibility
Eligible
To be eligible, you must own the residential single structure or a unit within a structure
If you own a multi-family home or multiple housing units, provide the mailing address for each service agreement
-
Not Eligible
If your home is a recreational vehicle, intended to be moved, or used for commercial purposes
You know of any current problems with your system at enrollment, your system was not installed per code, or per manufacturer specifications
Your entire system is shared with a 3rd party or covered by an association
Your system is commercial grade, larger than 100 gallons, installed on a roof solar, geothermal, oil, electric hybrid (also known as a heat pump water heater), smart system, equipped with Wi-Fi or Bluetooth functionality, hanging tank-based, or combination home heating/domestic hot water unit
-
Exclusions
Jacket and interior doors, heat exchangers, exhaust venting, expansion tanks, non-flexible gas and water supply and delivery piping, and electrical service wiring; damage due to restricted lines or water pressure over 80 P.S.I.; remediating or notifying you of mold or hazardous materials; any sections/parts not installed properly; repairs or replacement protected under other coverage; and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances (such as natural disasters). For replacement, a change in fuel type is not covered. If costs on covered repairs exceed the benefit limit, you pay the difference. You will not be reimbursed for repairs performed by anyone not authorized by HomeServe. Additional exclusions apply.
Covered Systems:
- Gas/Electric Water Heater Repair
- Gas/Electric Water Heater Replacement
- Tankless Water Heater Repair
- Tankless Water Heater Replacement
Annual Benefit Amount:
- $1,500 maximum benefit amount
Annual Service Calls:
- Multiple service calls up to annual benefit
- Service Call Fee: $0
- 30-day review period
- 90-day wait period for water heater replacement
- One-year guarantee on all covered repairs
With Electrical Surge Coverage from HomeServe, you'll be protected if your valuable electrical products fail as a result of an electrical surge up to your benefit amount. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.
Read MoreElectrical Surge
Covered Systems
- Surge
Annual Benefits
- $1,000 maximum benefit amount
- Multiple service calls up to annual benefit
- Service Call Fee: $0
- 30-day review period
Covered Repairs
- Refrigerators
- Clothes washers and dryers
- Dishwashers
- Blenders, mixers and toasters
- Microwaves
- Televisions
- Window air conditioning units
- Thermostats and lamps
- Computers
- DVD/Blue-ray players and game consoles
- Printers, scanners and tablets
Eligibility
Eligible
To be eligible, you must own both the residential single structure, or a unit within a structure and the land it’s located on. Renters of such structures may also be eligible
-
Not Eligible
If your home is a recreational vehicle or otherwise intended to be moved or your property is used for commercial purposes
You know of any current problems with your electrical products before enrollment
Your electrical products are entirely shared with a 3rd party or covered by a homeowners’ association or the like
Your electrical products are not installed according to manufacturer specifications
In IA, properties with more than 4 dwelling units
-
Exclusions
Unusual circumstances, including pandemics, hostilities and work slowdowns, acts of God, including natural disasters and extreme weather; loss from unauthorized access or use of any system or any destruction or deletion of data or software; excluded damages, including any damages necessary to reasonably access the repair area; correction of, or reimbursement for, any repairs made by you or anyone you hire not authorized by us; remediating or notifying you about mold or other hazardous materials; correction, upgrade or move in order to meet any code, law, regulation, ordinance or utility directive; any electrical products not installed to code, law, regulation, ordinance or manufacturer’s specifications or that are damaged due to external factors; any electrical product that is shared with a third party or is covered by a homeowners’, condominium, or like association; heating and air conditioning systems, internal electrical systems, electrical plumbing equipment including sump pumps, medical or life support equipment, and electrical vehicles of any kind; electrical products that are battery-powered and cannot be plugged in or have a replacement value of less than $100; additional expenses incurred in repairing, replacing, or removing electrical products that are affixed within your home; or any cost associated with making space suitable for installation when a replacement electrical product does not fit in the existing space within your home; loss or corruption of data and restoration of software and operating systems; electrical products that cannot be replaced with like kind and quality; and repair or replacement of any electrical products that are not stated to be covered in the Terms and Conditions. Costs on covered repairs may exceed the benefit limit, in which case you pay the difference between the cost and the benefit limit. Additional exclusions apply.
Covered Systems:
- Surge
Annual Benefit Amount:
- $1,000 maximum benefit amount
Annual Service Calls:
- Multiple service calls up to annual benefit
- Service Call Fee: $0
- 30-day review period
*HomeServe USA Repair Management Corp. (“HomeServe”), with corporate offices located at 45 Glover Avenue, 6th Floor, Norwalk, CT 06850, is an independent company separate from Lumbee River EMC and offers this optional service plan as an authorized representative of the contract providers as stated under each specific product offering. Your choice of whether to purchase this service plan will not affect the price, availability or terms of service from Lumbee River EMC. Lumbee River EMC and HomeServe entered into a commercial agreement to introduce this plan to Lumbee River EMC’s customers.
‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.