Palmetto Electric Cooperative has partnered with HomeServe*, an independent company, to provide their customers affordable emergency repair plans that help protect against costly and inconvenient covered repairs to systems through their homes and properties. Palmetto Electric Cooperative and HomeServe entered into an agreement to introduce these plans to Palmetto Electric Cooperative's customers.

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Exterior Electrical Line Coverage
Key Plan Details
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.

Exterior Electrical Line Coverage

$ 5.99 PER MONTH
Important Coverage Information
  • Exterior Electrical Line
  • $5,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
  • Insulator
  • Riser
  • Meter base
  • Failed permanent electrical wiring
  • Weatherhead

  • Eligible

    To be eligible, you ust own both the residential single structure and the land it is located on

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved; your property is used for commercial purposes; you know of any current problems with your exterior electrical system before enrollment; or your exterior electrical system is shared with a 3rd party or covered by a homeowners' association or the like

  • Exclusions

    Damage or failure due to disconnection or interruption to the main electrical supply, transformers, generators, non-utility supplied power and/or lines, appliances, meter pedestals, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. The meter that measures the amount of electricity used is not covered by this plan, but it may be covered by your local utility. 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.

$ 5.99 /mo.

Covered Systems:

  • Exterior Electrical Line
  • $5,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Important Coverage Information
Exterior Water Service Line Coverage
Key Plan Details
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.

Exterior Water Service Line Coverage

$ 4.99 PER MONTH
Important Coverage Information
  • Exterior Water Service Line
  • $10,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
  • A blocked, leaking or low pressure system pipe
  • Stop boxes
  • Shut-off valves
  • Pressure reducing valves
  • Backflow prevention devices

  • Eligible

    To be eligible, you must own both the residential single structure and the land it is located on

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved; your property is used for commercial purposes; you know of any current problems with your exterior water service line before enrollment; or your entire exterior water service line is shared with a 3rd party or covered by a homeowners' association or the like

  • Exclusions

    Branch lines, frozen lines, any tanks or appliances and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. 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.

$ 4.99 /mo.

Covered Systems:

  • Exterior Water Service Line
  • $10,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Important Coverage Information
Interior Electrical Line Coverage
Key Plan Details
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.

Interior Electrical Line Coverage

$ 5.99 PER MONTH
Important Coverage Information
  • Interior Electrical Line
  • $2,500 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
  • Breaker panel or fuse box
  • Faulty wiring to wall light
  • Faulty or damaged electrical outlet
  • Faulty or damaged GFCI outlet
  • Broken light switch

  • Eligible

    To be eligible, you must own the residential single structure or a unit within a structure.

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved; your property is used for commercial purposes; you know of any current problems with your interior electrical system before enrollment; or your interior electrical system is shared with a 3rd party or covered by a homeowners' association or the like

  • 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, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. 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.

$ 5.99 /mo.

Covered Systems:

  • Interior Electrical Line
  • $2,500 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Important Coverage Information
Exterior Sewer/Septic Line Coverage
Key Plan Details
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.

Exterior Sewer/Septic Line Coverage

$ 8.49 PER MONTH
Important Coverage Information
  • Exterior Sewer/Septic Line
  • Drain Cleaning
  • $10,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
  • Locating the blockage or collapse
  • Pipe replacement or repair
  • Repair or replacement of seals and joints
  • Unblocking
  • Fusing
  • Fitting external valves
  • Welding
  • Pipe cutting
  • Excavation to expose pipe

  • Eligible

    To be eligible, you must own both the residential single structure and the land it is located on

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved; your property is used for commercial purposes; you know of any current problems with your exterior sewer/septic line before enrollment; your entire exterior sewer/septic line is shared with a 3rd party or covered by a homeowners' association or thelike; your exterior sewer/septic line previously had roots removed or failed a smoke or dye test, camera inspection or any other proactive test without resolution

  • Exclusions

    Septic/collection tanks; leaching fields; grinder pumps; non-conforming drain lines; branch lines; and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. 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.

$ 8.49 /mo.

Covered Systems:

  • Exterior Sewer/Septic Line
  • Drain Cleaning
  • $10,000 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Important Coverage Information
Heat Pump/Cooling System Coverage
Key Plan Details
As a homeowner, you are responsible for the cooling system on your property and you will have to arrange and pay for any necessary repairs. This illustration shows a typical cooling system found on your property. ‡National average repair costs as of December 2024. No charge for covered repairs up to your service call benefit amount.

Heat Pump/Cooling System Coverage

$ 16.99 PER MONTH
Important Coverage Information
  • Electric Central Air Cooling System
  • Heat Pump
  • $1,750 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
  • Capacitors and circuit boards
  • Internal fueses or breakers
  • Condensate pumps
  • Contactor switches and delay timer
  • Condenser motor and fan
  • Fan controls, relays and filter dryer
  • High and low pressure switches
  • Limit controls
  • Relays, transformers and valves
  • Defrost controls and sensors

  • Eligible

    To be eligible, you must own the residential single structure or a unit within a structure

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved; your property is used for commercial purposes; you know of any current problems with your system before enrollment; your system is shared with a 3rd party or covered by a homeowners' association or the like; uses refrigerant which does not meet federal, state or any other applicable regulatory or code requirements; has non-compliant components; exceeds 5 tons capacity; is installed on a roof; is an ammonia cooling, geothermal heat pump, ductless, window, through the wall or hanging unit; or is not installed according to manufacturer specifications

  • Exclusions

    Air ducts, a/c coils, registers, grills, asbestos coverings, balancing of system, wiring and parts external to the unit, compressors or chillers, condenser casings, condenser coils, evaporator coils, metering systems/TXV valves, king and reversing valves, refrigerant for maintenance recharges, thermostats, thermostat wiring, disconnect boxes and all wiring, breakers and switches contained within them, refrigerant conversions, and damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. 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.

$ 16.99 /mo.

Covered Systems:

  • Electric Central Air Cooling System
  • Heat Pump
  • $1,750 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Important Coverage Information
Water Heater Repair And Replacement Plan (Gas/Electric Only)
Key Plan Details
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.

Water Heater Repair And Replacement Plan (Gas/Electric Only)

$ 12.99 PER MONTH
Important Coverage Information
  • Gas/Electric Water Heater Repair
  • Gas/Electric Water Heater Replacement
  • $1,500 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • 90-day wait period for water heater replacement
  • One-year guarantee on all covered repairs
  • Natural gas system
  • Propane system
  • Electric system

  • Eligible

    To be eligible, you must own the residential single structure or a unit within a structure

  • Not Eligible

    If your home is a recreational vehicle or otherwise intended to be moved; your property is used for commercial purposes; you know of any current problems with your water heater before enrollment; your entire water heater is shared with a 3rd party or covered by a homeowners' association or the like; or your water heater is commercial grade, larger than 100 gallons, is installed on a roof, or is a solar, geothermal, oil, electric hybrid, smart system, equipped with Wi-Fi or Bluetooth functionality, hanging tank-based, or combination home heating/domestic hot water unit; or is not installed according to manufacturer specifications

  • Exclusions

    Jacket and interior doors, heat exchangers, exhaust venting, expansion tanks, non-flexible water supply and delivery piping, electrical service wiring, damage due to restricted lines or water pressure over 80 P.S.I, and damage from accidents, negligence or otherwise caused by you, others, wildlife or unusual circumstances. 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.

$ 12.99 /mo.

Covered Systems:

  • Gas/Electric Water Heater Repair
  • Gas/Electric Water Heater Replacement
  • $1,500 maximum benefit amount
  • Multiple service calls up to annual benefit
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • 90-day wait period for water heater replacement
  • One-year guarantee on all covered repairs
Important Coverage Information
Home Appliance Repair Plus
Key Plan Details
*Average nationwide repair costs are estimates for informational purposes only. Actual repair costs may be different depending on a number of factors including but not limited to location, brand and age.

Home Appliance Repair Plus

$ 38.99 PER MONTH
Important Coverage Information
  • Refrigerator
  • Clothes Washer
  • Clothes Dryer
  • Range
  • Dishwasher
  • Built-in Microwave
  • $6,000 maximum benefit amount
  • Refrigerator: calls / $1,000 per call
  • Clothes Washer: calls / $1,000 per call
  • Clothes Dryer: calls / $1,000 per call
  • Range: calls / $1,000 per call
  • Dishwasher: calls / $1,000 per call
  • Built-in Microwave: calls / $1,000 per call
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
  • Microwave oven
  • Dishwasher
  • Refrigerator
  • Gas or electric range/oven/scooktop
  • Clothes Washer
  • Clothes Dryer

  • Eligible

    An owner of a residential single structure, or a unit within a structure, that is not intended to be moved

  • Not Eligible

    If your property is used for commercial purposes or you know of any current problems with your appliances before enrollment. Appliances that are shared with any third party, covered by a homeowners’, condominium or like association, are also not eligible

  • Exclusions

    Appliances covered by a manufacturer’s warranty, chemical, sedimentary or mineral build up, mold, mud, soil movement, pet damage, or pest damage; rust or corrosion within 90 days of the start date; instances where environmental contamination is evident or where contamination could be caused and any costs associated with treatment, removal, recovery, disposal, transportation or storage of any known or suspected toxic or hazardous substance/material; any additional costs to repair, replace or remove appliances affixed within your home or making space for replacement appliances where they don’t fit within the existing space; any costs related to removing or disposing of appliances; and damage from accidents, negligence or otherwise caused by you, others, or unusual circumstances. Microwave: Interior linings, door glass, light bulbs, clocks, shelves, portable or counter-top units, meat probe assemblies, rotisseries. Dishwasher: Racks, baskets, rollers. Kitchen refrigerator: Racks, shelves, beverage dispensers and their respective equipment, interior thermal shells, food or other content spoilage, light bulbs. Range/oven/cooktop: Clocks or light bulbs (unless they affect the function of the oven), meat probe assemblies, rotisseries, racks, handles, knobs and dials. Sensi-heat burners will only be replaced with standard burners. Clothes Washer and Dryer: Mini portable washing machines, soap dispensers, filter screens, venting, lint screens, knobs, dials, clothingor other items damaged in using the clothes washer or dryer. Additional exclusions apply.

$ 38.99 /mo.

Covered Systems:

  • $6,000 maximum benefit amount
  • Refrigerator: calls / $1,000 per call
  • Clothes Washer: calls / $1,000 per call
  • Clothes Dryer: calls / $1,000 per call
  • Range: calls / $1,000 per call
  • Dishwasher: calls / $1,000 per call
  • Built-in Microwave: calls / $1,000 per call
  • Service Call Fee: $0
  • 30-day wait period with a money-back guarantee
  • One-year guarantee on all covered repairs
Important Coverage Information

Frequently asked questions

  • HomeServe is the leading provider of home repair solutions nationwide with nearly 20 years’ experience making home ownership easier by keeping home systems running smoothly. We do this through a nationwide network of licensed contractors and a U.S.-based call center available 24/7/365. As an accredited business with the Better Business Bureau and a 4.8 out of 5-star post-job satisfaction scores, HomeServe is the best tool a homeowner can have to protect themselves from costly home repairs. Our repair plans protect you from the expense of an emergency home repair caused by normal wear and tear that is not typically covered by your homeowners insurance, local utility or municipality.

  • 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.

  • Local, licensed and insured contractors perform covered repairs, which are guaranteed against defects in materials and workmanship for one year.

  • 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).

*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 Palmetto Electric Cooperative 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 Palmetto Electric Cooperative. Palmetto Electric Cooperative and HomeServe entered into a commercial agreement to introduce this plan to Palmetto Electric Cooperative’s customers.