HomeSafe combines high coverage limits with stable monthly rates, making it a solid choice for homeowners looking for peace of mind from unexpected cost increases.
This HomeSafe review takes a closer look at how well this home warranty provider protects your home systems and appliances. See below for details on costs, coverage and exclusions.
About Home Safe
HomeSafe is a national home warranty provider that offers three comprehensive plans designed to protect homeowners from unexpected repair costs. HomeSafe covers major home systems, appliances, and some optional add-ons like pools, spas, and even wine cellars, and offers generous coverage limits and low service fees.
HomeSafe’s monthly price is slightly above average, but its value comes from its high coverage limits and stable rates that don’t increase each year. Their plans include up to $10,000 in coverage per year, with individual limits ranging from $2,000 to $5,000 per product, and their coverage limits are higher than many of their competitors.
Pros and cons of Home Safe
Strong Points:
- 20 day waiting period
- High personal coverage limits
- No cost increase for annual plans
Cons:
- Homeowner is responsible for setting up the diagnostic appointment
- No instant online quote
- We use third-party providers to process your billing
Alternatives to HomeSafe
HomeSafe’s three plans cover everything homeowners need for peace of mind, with high coverage limits and low service fees. For many people, this provider is a great choice for home warranty coverage.
HomeSafe’s main drawback is that it uses a third-party provider to process claims. For many homeowners, this is not a hindrance to the claims process, but we prefer home warranty companies to handle this in-house to avoid delays caused by intermediaries.
If you want a provider that handles everything in-house and has competitive coverage, consider Liberty Home Guard or American Home Shield.
HomeSafe plans and pricing
HomeSafe plans cost more than the average home warranty, but they make up for this additional cost with higher coverage limits and lower service fees.
HomeSafe has an annual coverage limit of $10,000, but individual coverage limits range from $2,000 to $5,000 per item. This level of coverage is generous and higher than our competitors’ limits.
HomeSafe’s service fees are as low as $65 per service, so even if you end up making multiple claims, the protection plan is well worth it.
| Plan name | coverage | average cost | coverage cap |
| Critical protection (system) | Air conditioning, heating, electricity, plumbing, water heater, hot/cold water dispenser, garbage disposal, central vacuum cleaner, smoke detector, ceiling fan, doorbell | $69/month | $3,000 per system ($5,000 for 5 ton HVAC unit) |
| Expansion necessities (appliances) | Refrigerator, ice maker/freezer, washer, dryer, dishwasher, trash compactor, range/oven/stove/cooktop, built-in microwave, built-in food center, garage door opener | $69/month | $2,000 per appliance |
| Best Home (fully insured) | Everything included in Essential Protection and Extended Essentials | $79/month | $3,000 per system ($5,000 for 5 ton HVAC unit). $2,000 per appliance |
home safe discount
HomeSafe doesn’t offer any special discounts, but you can expect your quoted price to stay the same as long as you stick with your plan. The advantage is that costs remain stable, as some providers raise their prices every year.
HomeSafe add-on coverage
HomeSafe provides additional coverage for seven areas, including areas you rarely see, such as your in-law suite and wine cellar. The monthly pricing for these add-ons is highly customized, so you’ll need to contact HomeSafe for a quote.
- guest house
- Guest unit/in-law suite
- Pool & Spa
- purification system
- water softener
- well pump
- Wine room/wine cellar
Across the home warranty industry, septic system and well pump coverage can add an average of $5 to $10 per month, and pool and spa coverage can range from $8 each to more than $25 per month for the two together. HomeSafe’s add-ons likely fall within these ranges.
What does HomeSafe cover?
HomeSafe covers standard home systems and appliances, but also includes other items that not all providers automatically include, such as built-in food centers and garage door openers.
- Air conditioner/heating
- electricity
- plumbing work
- water heater
- hot/cold water dispenser
- Garbage disposal
- central vacuum cleaner
- smoke detector
- ceiling fan
- doorbell
- refrigerator
- Ice machine/freezer
- washer
- dryer
- dishwasher
- trash compactor
- Range/oven/cooktop (gas and electric)
- built-in microwave
- Built-in food center
- garage door opener
What HomeSafe doesn’t cover
Like other home warranty companies, HomeSafe does not cover:
- Regular maintenance or homeowner upkeep
- Additional structures not listed in the recommendations (garages, sheds, outbuildings)
- Flues, vents, chimneys, exhaust lines
- Radon systems, fire sprinklers, photovoltaic components, home management systems
- Cosmetic defects (scratches, dents, etc.)
- Repairs due to rust, corrosion, deposits, improper installation, or non-conformance of equipment
- Upgrades or changes required by building codes or regulations
- Manufacturer Recall or Defect Notification
- Mold, mildew, rot, fungal growth, pest damage
- Damage caused by misuse, abuse, accidents, fire, ice, storm surge, lightning, natural disasters, ground movement, and earthquakes.
- Commercial grade rental or lease appliances/equipment
- Pre-existing conditions, known or unknown
- Access issues (such as being buried in concrete) or the cost of removing/reinstalling equipment
- Consequential losses (rotten food, accommodation, loss of income, utilities)
- Liability for third party work or delays
How to file a claim with HomeSafe
If you file a claim with HomeSafe, the warranty provider will require you to take immediate action to prevent further damage. HomeSafe uses third-party providers to process claims, so you will contact Armis, LLC to submit your claim.
- Call your HomeSafe claims administrator Use the customer service number in your warranty plan or go online and submit a claim form.
- If your appliance or system is covered, pay service fee.
- HomeSafe will direct you to a service technician or allow you to contact one of our service technicians. You need to set a schedule. HomeSafe does not facilitate.
- A repair technician will come to your home Diagnose the problem.
- If the repair is covered by warranty, a service technician can: complete the repair On the spot. Or you can order parts and complete them later.
- If your breakdown isn’t covered, you can request a second opinion from another provider within 7 days.
HomeSafe has a 20-day waiting period that must be completed before a claim can be filed. This is shorter than the average of 30 days. This means you can start billing sooner than with other providers.
HomeSafe availability
HomeSafe offers home warranty plans in every state in the United States. To see what’s available in your area, visit HomeSafe’s official website or enter your postcode in the map below.
HomeSafe rating by USA TODAY
USA TODAY’s editorial team uses an in-house methodology to rank home warranty providers like HomeSafe. We review 20 provider contracts to create our top 10 list. Criteria used to determine the list include plan options, coverage details, price, quality of service, customer satisfaction, and reliability.
Bottom line: Is HomeSafe right for you?
If you want a great home warranty with high coverage limits and low fees when making a claim, HomeSafe is a solid choice. Their plans may be a little more expensive than the industry average, but their coverage makes up for it.
However, using a third party for billing processing can complicate matters. It’s also your responsibility to schedule a service technician, rather than the company sending someone to your home to handle the logistics. Other providers, such as American Home Shield, process claims in-house, making the process smoother.
FAQ
How much does Home Safe cost?
HomeSafe home protection plans cost between $69 and $79 per month, depending on the level of coverage. If you choose additional coverage, you will pay more.
What does HomeSafe cover?
HomeSafe has three plans that cover your home systems, appliances, or both. Standard warranties cover items such as HVAC systems, electrical, plumbing, kitchen appliances, and laundry appliances.
